feat(huifu): 支持汇付进件通过后更换结算银行卡

- 用户端及后台管理端新增更换结算卡接口与页面交互
- 服务层实现换卡核心逻辑、参数校验及汇付接口调用
- 增加换卡异步通知处理与定时轮询补偿以同步审核状态
- 完善进件状态网关，补充换卡审核状态及驳回原因等字段

addons/shopro/controller/UserWalletApply.php

@@ -142,6 +142,97 @@ class UserWalletApply extends Base
         $this->success($msg, $this->resolveWalletOnboard($userId));
     }
 
+    /**
+     * 进件已通过后更换结算银行卡
+     */
+    public function onboardModifyCard()
+    {
+        if (!class_exists('\\addons\\shopro_huifu\\library\\onboard\\HuifuOnboardGate')
+            || !\addons\shopro_huifu\library\onboard\HuifuOnboardGate::isOnboardRequired()) {
+            $this->error('当前无需绑定进件资料');
+        }
+
+        $form = $this->request->post('huifu_onboard/a', []);
+        if (empty($form) || !is_array($form)) {
+            $this->error('请填写结算银行卡信息');
+        }
+
+        $userId = $this->auth->id;
+        $bindings = $this->collectOnboardBindings($userId);
+        if (!$bindings) {
+            $this->error('您暂无可更换结算卡的角色');
+        }
+
+        $roleType = trim((string) $this->request->post('role_type', ''));
+        $roleRefId = intval($this->request->post('role_ref_id', 0));
+
+        $modifiable = [];
+        $pending = false;
+        foreach ($bindings as $binding) {
+            $huifu = $binding['huifu_onboard'];
+            if (!empty($huifu['card_modify_pending'])) {
+                $pending = true;
+                continue;
+            }
+            if (($huifu['status'] ?? '') === 'approved' && !empty($huifu['can_modify_card'])) {
+                $modifiable[] = $binding;
+            }
+        }
+
+        if (!$modifiable) {
+            $this->error($pending ? '结算卡更换审核中，请耐心等待' : '当前状态不可更换结算卡');
+        }
+
+        $target = null;
+        if ($roleType !== '') {
+            foreach ($modifiable as $binding) {
+                if ($binding['role_type'] !== $roleType) {
+                    continue;
+                }
+                if ($roleType === 'promoter' || $roleRefId <= 0 || intval($binding['role_ref_id']) === $roleRefId) {
+                    $target = $binding;
+                    break;
+                }
+            }
+            if (!$target) {
+                $this->error('未找到可更换结算卡的指定角色');
+            }
+        } elseif (count($modifiable) === 1) {
+            $target = $modifiable[0];
+        } else {
+            $this->error('存在多个已进件角色，请指定要更换结算卡的角色');
+        }
+
+        try {
+            $service = new \addons\shopro_huifu\library\onboard\HuifuOnboardService();
+            $service->modifySettleCard(
+                $userId,
+                $target['role_type'],
+                $target['role_ref_id'],
+                $form
+            );
+        } catch (\InvalidArgumentException $e) {
+            $this->error($e->getMessage());
+        } catch (\RuntimeException $e) {
+            $msg = class_exists('\\addons\\shopro_huifu\\library\\onboard\\HuifuOnboardError')
+                ? \addons\shopro_huifu\library\onboard\HuifuOnboardError::translate($e->getMessage())
+                : $e->getMessage();
+            $this->error($msg);
+        } catch (\Throwable $e) {
+            $msg = class_exists('\\addons\\shopro_huifu\\library\\onboard\\HuifuOnboardError')
+                ? \addons\shopro_huifu\library\onboard\HuifuOnboardError::translate($e->getMessage())
+                : $e->getMessage();
+            $this->error($msg ?: '更换结算卡失败');
+        }
+
+        $result = $this->resolveWalletOnboard($userId);
+        $pending = !empty($result['huifu_onboard']['card_modify_pending']);
+        $this->success(
+            $pending ? '结算卡更换已提交，请耐心等待审核' : '结算卡更换成功',
+            $result
+        );
+    }
+
     protected function resolveWalletOnboard($userId)
     {
         if (!class_exists('\\addons\\shopro_huifu\\library\\onboard\\HuifuOnboardGate')) {
@@ -169,6 +260,15 @@ class UserWalletApply extends Base
                 $primary = $binding;
             }
         }
+        if (!$primary) {
+            foreach ($bindings as $binding) {
+                if (!empty($binding['huifu_onboard']['can_modify_card'])
+                    || !empty($binding['huifu_onboard']['card_modify_pending'])) {
+                    $primary = $binding;
+                    break;
+                }
+            }
+        }
         if (!$primary) {
             $primary = $bindings[0];
         }
@@ -176,11 +276,15 @@ class UserWalletApply extends Base
         $huifu = $primary['huifu_onboard'];
         $show = count($bindings) > 0;
         $canSubmitBind = false;
+        $canModifyCardBind = false;
         foreach ($bindings as $binding) {
             $item = $binding['huifu_onboard'];
             if (!empty($item['can_submit']) || !empty($item['can_save_draft'])) {
                 $canSubmitBind = true;
             }
+            if (!empty($item['can_modify_card'])) {
+                $canModifyCardBind = true;
+            }
         }
 
         $config = [
@@ -199,9 +303,21 @@ class UserWalletApply extends Base
             'required' => true,
             'role_labels' => array_column($bindings, 'role_label'),
             'role_type' => $primary['role_type'],
+            'role_ref_id' => intval($primary['role_ref_id']),
             'huifu_onboard' => $huifu,
             'can_submit_bind' => $canSubmitBind,
+            'can_modify_card_bind' => $canModifyCardBind,
             'onboard_config' => $config,
+            'bindings' => array_map(function ($b) {
+                return [
+                    'role_type' => $b['role_type'],
+                    'role_ref_id' => intval($b['role_ref_id']),
+                    'role_label' => $b['role_label'],
+                    'status' => $b['huifu_onboard']['status'] ?? null,
+                    'can_modify_card' => !empty($b['huifu_onboard']['can_modify_card']),
+                    'card_modify_pending' => !empty($b['huifu_onboard']['card_modify_pending']),
+                ];
+            }, $bindings),
         ];
     }
 

addons/shopro_huifu/application/admin/controller/shopro_huifu/Onboard.php

@@ -187,4 +187,40 @@ class Onboard extends Base
         }
         $this->success('已重新提交进件');
     }
+
+    /**
+     * 已通过进件更换结算卡（后台代操作）
+     */
+    public function modifyCard($ids = null)
+    {
+        $row = OnboardModel::get($ids);
+        if (!$row) {
+            $this->error('记录不存在');
+        }
+        if ($row['onboard_status'] !== OnboardModel::STATUS_APPROVED) {
+            $this->error('仅进件已通过时可更换结算卡');
+        }
+        $form = $this->request->post('row/a', []);
+        if (!$form) {
+            $form = $this->request->post('huifu_onboard/a', []);
+        }
+        if (!$form || !is_array($form)) {
+            $this->error('请填写结算银行卡信息');
+        }
+        try {
+            $service = new HuifuOnboardService();
+            $service->modifySettleCard(
+                $row['user_id'],
+                $row['role_type'],
+                $row['role_ref_id'],
+                $form,
+                intval($row['id'])
+            );
+        } catch (\think\exception\HttpResponseException $e) {
+            throw $e;
+        } catch (\Throwable $e) {
+            $this->error(HuifuOnboardError::translate($e->getMessage()) ?: '更换结算卡失败');
+        }
+        $this->success('结算卡更换已提交');
+    }
 }

addons/shopro_huifu/application/admin/view/shopro_huifu/onboard/index.html

@@ -139,6 +139,8 @@
             <el-button type="primary" v-if="detailData && detailData.can_submit_huifu" @click="submitFromDetail">提交汇付</el-button>
             <el-button v-if="detailData && detailData.can_poll" @click="pollFromDetail">刷新状态</el-button>
             <el-button type="warning" v-if="detailData && detailData.can_retry_huifu" @click="retryFromDetail">重新提交</el-button>
+            <el-button type="primary" plain v-if="detailData && detailData.can_modify_card" @click="modifyCardFromDetail">更换结算卡</el-button>
+            <el-tag size="mini" type="warning" v-if="detailData && detailData.card_modify_pending" style="margin-left:8px;">换卡审核中</el-tag>
         </span>
     </el-dialog>
 </div>

addons/shopro_huifu/command/OnboardPoll.php

@@ -19,6 +19,8 @@ class OnboardPoll extends Command
     {
         $service = new HuifuOnboardService();
         $count = $service->pollPending(100);
+        $cardCount = $service->pollCardModifyPending(100);
         $output->writeln('Polled onboard records: ' . $count);
+        $output->writeln('Polled card-modify records: ' . $cardCount);
     }
 }

addons/shopro_huifu/config/menu.php

@@ -33,6 +33,7 @@ return [
             ['type' => 'file', 'name' => 'shopro_huifu/onboard/poll', 'title' => '刷新状态', 'ismenu' => 0],
             ['type' => 'file', 'name' => 'shopro_huifu/onboard/submit', 'title' => '提交汇付', 'ismenu' => 0],
             ['type' => 'file', 'name' => 'shopro_huifu/onboard/retry', 'title' => '重新提交', 'ismenu' => 0],
+            ['type' => 'file', 'name' => 'shopro_huifu/onboard/modifyCard', 'title' => '更换结算卡', 'ismenu' => 0],
         ],
     ],
 ];

addons/shopro_huifu/controller/Onboard.php

@@ -119,7 +119,42 @@ class Onboard extends Controller
         try {
             $service = new HuifuOnboardService();
             $row = $service->resubmit($userId, $roleType, $roleRefId, $form);
-            $this->success('进件已重新提交', HuifuOnboardGate::publicStatus($row));
+            $this->success('进件已重新提交', HuifuOnboardGate::publicStatus($row, $userId, $roleType, $roleRefId));
+        } catch (\Throwable $e) {
+            $this->error($e->getMessage());
+        }
+    }
+
+    /**
+     * 进件已通过后更换结算银行卡
+     */
+    public function modifyCard()
+    {
+        $this->ensureEnabled();
+        if (!HuifuOnboardGate::isOnboardRequired()) {
+            $this->error('当前未开启汇付进件');
+        }
+        $userId = $this->auth->id;
+        $roleType = $this->request->post('role_type', 'promoter');
+        $roleRefId = intval($this->request->post('role_ref_id', $userId));
+        if ($roleType === 'promoter') {
+            $roleRefId = $userId;
+        }
+        $form = $this->request->post('huifu_onboard/a', []);
+        if (!$form) {
+            $form = $this->request->post('form/a', []);
+        }
+        if (!$form || !is_array($form)) {
+            $this->error('请填写结算银行卡信息');
+        }
+        try {
+            $service = new HuifuOnboardService();
+            $row = $service->modifySettleCard($userId, $roleType, $roleRefId, $form);
+            $status = HuifuOnboardGate::publicStatus($row, $userId, $roleType, $roleRefId);
+            $msg = !empty($status['card_modify_pending'])
+                ? '结算卡更换已提交，请等待审核'
+                : '结算卡更换成功';
+            $this->success($msg, $status);
         } catch (\Throwable $e) {
             $this->error($e->getMessage());
         }

addons/shopro_huifu/library/onboard/HuifuOnboardAdminView.php

@@ -91,6 +91,12 @@ class HuifuOnboardAdminView
             'can_submit_huifu' => ($data['onboard_status'] ?? '') === 'draft',
             'can_retry_huifu' => in_array($data['onboard_status'] ?? '', ['rejected', 'failed'], true),
             'can_poll' => !in_array($data['onboard_status'] ?? '', ['draft', 'approved'], true),
+            'can_modify_card' => ($data['onboard_status'] ?? '') === 'approved' && !empty($data['huifu_id'])
+                && (($payload['_card_modify']['status'] ?? '') !== 'pending'),
+            'card_modify_pending' => ($payload['_card_modify']['status'] ?? '') === 'pending',
+            'card_modify_reject_reason' => (string) (($payload['_card_modify']['status'] ?? '') === 'rejected'
+                ? ($payload['_card_modify']['reject_reason'] ?? '')
+                : ''),
         ];
     }
 
@@ -550,6 +556,7 @@ class HuifuOnboardAdminView
             return null;
         }
         $form = array_merge(self::defaultFormData(), $payload);
+        unset($form['_card_modify']);
         foreach ([
             'id_card_front_url', 'id_card_back_url', 'bank_card_url', 'license_url',
             'legal_id_front_url', 'legal_id_back_url', 'account_permit_url',

addons/shopro_huifu/library/onboard/HuifuOnboardBusiModify.php

@@ -0,0 +1,114 @@
+<?php
+
+namespace addons\shopro_huifu\library\onboard;
+
+use addons\shopro_huifu\library\SdkLoader;
+
+/**
+ * 用户业务入驻修改：仅更换结算卡（不改结算/取现费率）
+ */
+class HuifuOnboardBusiModify
+{
+    protected $sdk;
+
+    public function __construct(HuifuOnboardSdk $sdk = null)
+    {
+        $this->sdk = $sdk ?: new HuifuOnboardSdk();
+    }
+
+    public function modifyCard($huifuId, array $form, array $fileMap)
+    {
+        SdkLoader::requireRequest('V2UserBusiModifyRequest.php');
+
+        $meta = $this->sdk->newReqMeta();
+        $request = new \BsPaySdk\request\V2UserBusiModifyRequest();
+        $request->setHuifuId($huifuId);
+        $request->setReqSeqId($meta['req_seq_id']);
+        $request->setReqDate($meta['req_date']);
+
+        $cardInfo = self::buildCardInfo($form);
+        $fileList = self::buildFileList($form, $fileMap);
+
+        $extend = [
+            'card_info' => json_encode($cardInfo, JSON_UNESCAPED_UNICODE | JSON_UNESCAPED_SLASHES),
+            'async_return_url' => $this->sdk->getOnboardNotifyUrl(),
+        ];
+        if ($fileList) {
+            $extend['file_list'] = json_encode($fileList, JSON_UNESCAPED_UNICODE | JSON_UNESCAPED_SLASHES);
+        }
+        $request->setExtendInfo($extend);
+
+        $result = $this->sdk->getClient()->postRequest($request);
+        $data = $this->sdk->getClient()->parseResponse($result);
+        $applyNo = (string) ($data['apply_no'] ?? ($data['apply_id'] ?? ''));
+
+        return [
+            'req_date' => $meta['req_date'],
+            'req_seq_id' => $meta['req_seq_id'],
+            'apply_no' => $applyNo,
+            'resp' => $data,
+        ];
+    }
+
+    public static function buildCardInfo(array $form)
+    {
+        // 系统 bank_account_type：0=对私，1=对公
+        // 汇付 card_type：0=对公，1=对私法人，2=对私非法人
+        $bankAccountType = (string) ($form['bank_account_type'] ?? '0');
+        $cardType = $bankAccountType === '1' ? '0' : '1';
+        $accountType = $form['account_type'] ?? 'indv';
+        $cardName = $form['card_name'] ?? '';
+        if ($accountType === 'indv') {
+            $cardName = $form['name'] ?? $cardName;
+        } elseif ($bankAccountType === '0') {
+            $cardName = $form['legal_name'] ?? $cardName;
+        }
+
+        $cardInfo = [
+            'card_type' => $cardType,
+            'card_name' => $cardName,
+            'card_no' => $form['card_no'],
+            'prov_id' => $form['prov_id'],
+            'area_id' => HuifuOnboardAreaHelper::toHuifuCityCode($form['area_id'] ?? ''),
+            'mp' => $form['mp'] ?? '',
+        ];
+        if (!empty($form['branch_code'])) {
+            $cardInfo['branch_code'] = $form['branch_code'];
+        }
+        if (!empty($form['branch_name'])) {
+            $cardInfo['branch_name'] = $form['branch_name'];
+        }
+        if ($cardType === '1') {
+            $cardInfo['cert_type'] = '00';
+            $cardInfo['cert_no'] = $form['cert_no'];
+            $cardInfo['cert_validity_type'] = $form['cert_validity_type'];
+            $cardInfo['cert_begin_date'] = $form['cert_begin_date'];
+            if (($form['cert_validity_type'] ?? '') === '0' && !empty($form['cert_end_date'])) {
+                $cardInfo['cert_end_date'] = $form['cert_end_date'];
+            }
+        }
+        return $cardInfo;
+    }
+
+    public static function buildFileList(array $form, array $fileMap)
+    {
+        $bankAccountType = (string) ($form['bank_account_type'] ?? '0');
+        $cardType = $bankAccountType === '1' ? '0' : '1';
+        $fileList = [];
+        if (!empty($fileMap['F13'])) {
+            $fileList[] = [
+                'file_type' => 'F13',
+                'file_id' => $fileMap['F13'],
+                'file_name' => 'bank_card.jpg',
+            ];
+        }
+        if ($cardType === '0' && !empty($fileMap['F08'])) {
+            $fileList[] = [
+                'file_type' => 'F08',
+                'file_id' => $fileMap['F08'],
+                'file_name' => 'account_permit.jpg',
+            ];
+        }
+        return $fileList;
+    }
+}

addons/shopro_huifu/library/onboard/HuifuOnboardGate.php

@@ -118,11 +118,26 @@ class HuifuOnboardGate
         // 仅历史 draft 残留时提示等待（正常已改为用户提交直连汇付）
         $awaitAdmin = $required && $row && $row['onboard_status'] === Onboard::STATUS_DRAFT
             && in_array($agentStatus, ['pending', 'needinfo', 'reject'], true);
+        $cardModifyPending = false;
+        $cardModifyReject = '';
+        $canModifyCard = false;
+        if ($row && $row['onboard_status'] === Onboard::STATUS_APPROVED && $required) {
+            $payload = json_decode($row['payload'] ?? '', true);
+            $meta = is_array($payload) ? HuifuOnboardService::getCardModifyMeta($payload) : [];
+            $cardModifyPending = ($meta['status'] ?? '') === 'pending';
+            if (($meta['status'] ?? '') === 'rejected') {
+                $cardModifyReject = (string) ($meta['reject_reason'] ?? '');
+            }
+            $canModifyCard = !$cardModifyPending && !empty($row['huifu_id']);
+        }
         if (!$row) {
             return [
                 'required' => $required,
                 'can_submit' => $canSubmit,
                 'can_save_draft' => $canSaveDraft,
+                'can_modify_card' => false,
+                'card_modify_pending' => false,
+                'card_modify_reject_reason' => '',
                 'await_admin' => false,
                 'audit_first' => false,
                 'status' => null,
@@ -135,12 +150,17 @@ class HuifuOnboardGate
             'required' => $required,
             'can_submit' => $canSubmit,
             'can_save_draft' => $canSaveDraft,
+            'can_modify_card' => $canModifyCard,
+            'card_modify_pending' => $cardModifyPending,
+            'card_modify_reject_reason' => $cardModifyReject,
             'await_admin' => $awaitAdmin,
             'audit_first' => false,
             'status' => $row['onboard_status'],
             'huifu_id' => $row['huifu_id'] ? substr($row['huifu_id'], 0, 4) . '****' . substr($row['huifu_id'], -4) : '',
             'reject_reason' => $row['reject_reason'] ?? '',
             'apply_no' => $row['apply_no'] ?? '',
+            'role_type' => $row['role_type'] ?? $roleType,
+            'role_ref_id' => intval($row['role_ref_id'] ?? $roleRefId),
             'draft' => HuifuOnboardAdminView::clientFormFromRow($row),
         ];
     }

addons/shopro_huifu/library/onboard/HuifuOnboardService.php

@@ -13,6 +13,7 @@ class HuifuOnboardService
     protected $basic;
     protected $basicEnt;
     protected $busi;
+    protected $busiModify;
     protected $query;
 
     protected function sdk()
@@ -23,6 +24,7 @@ class HuifuOnboardService
             $this->basic = new HuifuOnboardBasicIndv($this->sdk);
             $this->basicEnt = new HuifuOnboardBasicEnt($this->sdk);
             $this->busi = new HuifuOnboardBusiOpen($this->sdk);
+            $this->busiModify = new HuifuOnboardBusiModify($this->sdk);
             $this->query = new HuifuOnboardQuery($this->sdk);
         }
         return $this->sdk;
@@ -230,23 +232,382 @@ class HuifuOnboardService
         return $fileMap;
     }
 
+    /**
+     * 已通过进件后更换结算银行卡（V2UserBusiModify，仅 card_info）
+     */
+    public function modifySettleCard($userId, $roleType, $roleRefId, array $formData, $onboardId = 0)
+    {
+        if (!HuifuOnboardGate::isOnboardRequired()) {
+            throw new \RuntimeException('当前未开启汇付进件');
+        }
+        if (!in_array($roleType, ['promoter', 'regional_agent'], true)) {
+            throw new \InvalidArgumentException('无效角色类型');
+        }
+
+        $onboardId = intval($onboardId);
+        if ($onboardId > 0) {
+            $row = Onboard::get($onboardId);
+            if (!$row || intval($row['user_id']) !== intval($userId)) {
+                throw new \InvalidArgumentException('进件记录不存在');
+            }
+        } else {
+            $row = Onboard::findByRole($userId, $roleType, $roleRefId);
+        }
+        if (!$row || $row['onboard_status'] !== Onboard::STATUS_APPROVED) {
+            throw new \RuntimeException('仅进件已通过时可更换结算卡');
+        }
+        if (empty($row['huifu_id'])) {
+            throw new \RuntimeException('缺少汇付商户号，无法更换结算卡');
+        }
+
+        $payload = json_decode($row['payload'] ?? '', true);
+        if (!is_array($payload)) {
+            $payload = [];
+        }
+        $cardModify = self::getCardModifyMeta($payload);
+        if (($cardModify['status'] ?? '') === 'pending') {
+            throw new \RuntimeException('结算卡更换审核中，请稍后再试');
+        }
+
+        $form = HuifuOnboardValidator::validateCardModify($formData, $payload);
+        $oldCard = preg_replace('/\s+/', '', (string) ($payload['card_no'] ?? ''));
+        $newCard = preg_replace('/\s+/', '', (string) ($form['card_no'] ?? ''));
+
+        try {
+            $this->sdk();
+            $fileMap = $this->uploadCardModifyPictures($form, $payload, $oldCard !== $newCard);
+            $result = $this->busiModify->modifyCard($row['huifu_id'], $form, $fileMap);
+            $resp = is_array($result['resp'] ?? null) ? $result['resp'] : [];
+            $applyNo = (string) ($result['apply_no'] ?? '');
+            $pending = $this->isCardModifyPending($resp, $applyNo);
+
+            if ($pending) {
+                $payload['_card_modify'] = [
+                    'status' => 'pending',
+                    'apply_no' => $applyNo,
+                    'req_seq_id' => (string) ($result['req_seq_id'] ?? ''),
+                    'req_date' => (string) ($result['req_date'] ?? ''),
+                    'pending_form' => $this->cardFieldsOnly($form),
+                    'reject_reason' => '',
+                    'updated_at' => time(),
+                ];
+                $row->payload = json_encode($payload, JSON_UNESCAPED_UNICODE);
+                $row->resp_snapshot = json_encode($resp, JSON_UNESCAPED_UNICODE);
+                $row->save();
+                return $row;
+            }
+
+            if (!$this->isCardModifySyncSuccess($resp)) {
+                $msg = (string) ($resp['resp_desc'] ?? '更换结算卡失败');
+                throw new \RuntimeException(HuifuOnboardError::translate($msg));
+            }
+
+            return $this->commitCardModifySuccess($row, $payload, $form, $resp);
+        } catch (\RuntimeException $e) {
+            throw $e;
+        } catch (\Throwable $e) {
+            $friendly = HuifuOnboardError::translate($e->getMessage());
+            Log::error('[shopro_huifu] card modify fail uid=' . $userId . ' id=' . $row['id'] . ' ' . $e->getMessage());
+            throw new \RuntimeException($friendly, 0, $e);
+        }
+    }
+
     public function handleNotify(array $data)
     {
         $huifuId = trim((string) ($data['huifu_id'] ?? ''));
-        $applyNo = trim((string) ($data['apply_no'] ?? ''));
         if ($huifuId === '') {
             return false;
         }
-        $query = Onboard::where('huifu_id', $huifuId);
+
-        if ($applyNo !== '') {
+        $auditInfo = $data['audit_info'] ?? null;
-            $query->where('apply_no', $applyNo);
+        if (is_string($auditInfo)) {
+            $auditInfo = json_decode($auditInfo, true) ?: [];
         }
-        $row = $query->order('id desc')->find();
+        if (!is_array($auditInfo)) {
+            $auditInfo = [];
+        }
+
+        $applyNo = trim((string) ($data['apply_no'] ?? ($auditInfo['apply_no'] ?? '')));
+        $reqSeqId = trim((string) ($data['req_seq_id'] ?? ''));
+
+        $row = Onboard::where('huifu_id', $huifuId)->order('id desc')->find();
         if (!$row) {
             return false;
         }
+
+        if ($this->tryApplyCardModifyNotify($row, $data, $auditInfo, $applyNo, $reqSeqId)) {
+            return true;
+        }
+
+        // 原进件审核：优先按 apply_no 精确匹配，避免误更新其他记录
+        if ($applyNo !== '') {
+            $byApply = Onboard::where('huifu_id', $huifuId)->where('apply_no', $applyNo)->order('id desc')->find();
+            if ($byApply) {
+                $row = $byApply;
+            }
+        }
+
         $this->sdk();
         $this->query->pollAndUpdate($row);
         return true;
     }
+
+    /**
+     * 补偿：扫描换卡 pending，查单后更新（不改 onboard_status）
+     */
+    public function pollCardModifyPending($limit = 50)
+    {
+        $list = Onboard::where('onboard_status', Onboard::STATUS_APPROVED)
+            ->where('payload', 'like', '%"_card_modify"%')
+            ->limit($limit)
+            ->select();
+        if (!$list || count($list) === 0) {
+            return 0;
+        }
+        $this->sdk();
+        $count = 0;
+        foreach ($list as $row) {
+            try {
+                $payload = json_decode($row['payload'] ?? '', true);
+                if (!is_array($payload)) {
+                    continue;
+                }
+                $meta = self::getCardModifyMeta($payload);
+                if (($meta['status'] ?? '') !== 'pending') {
+                    continue;
+                }
+                $applyNo = trim((string) ($meta['apply_no'] ?? ''));
+                if ($applyNo === '' || empty($row['huifu_id'])) {
+                    continue;
+                }
+                $status = $this->query->queryApply($row['huifu_id'], $applyNo);
+                $this->applyCardModifyRemoteStatus($row, $payload, $meta, $status);
+                $count++;
+            } catch (\Throwable $e) {
+                Log::error('[shopro_huifu] card modify poll fail id=' . $row['id'] . ' ' . $e->getMessage());
+            }
+        }
+        return $count;
+    }
+
+    protected function uploadCardModifyPictures(array $form, array $stored, $cardChanged)
+    {
+        $fileMap = [];
+        $needBankPic = $cardChanged || empty($stored['bank_card_url']) || (!empty($form['bank_card_url']) && ($form['bank_card_url'] !== ($stored['bank_card_url'] ?? '')));
+        if ($needBankPic && !empty($form['bank_card_url'])) {
+            $fileMap['F13'] = $this->picture->uploadByUrl('F13', $form['bank_card_url']);
+        }
+        if ((string) ($form['bank_account_type'] ?? '0') === '1' && !empty($form['account_permit_url'])) {
+            $oldPermit = (string) ($stored['account_permit_url'] ?? '');
+            if ($form['account_permit_url'] !== $oldPermit || empty($oldPermit)) {
+                $fileMap['F08'] = $this->picture->uploadByUrl('F08', $form['account_permit_url']);
+            }
+        }
+        return $fileMap;
+    }
+
+    protected function isCardModifyPending(array $resp, $applyNo)
+    {
+        $applyNo = trim((string) $applyNo);
+        if ($applyNo === '') {
+            return false;
+        }
+        // 有申请单号且绑卡结果未明确成功 → 审核中
+        if ($this->cardBusinessSucceeded($resp)) {
+            return false;
+        }
+        return true;
+    }
+
+    protected function isCardModifySyncSuccess(array $resp)
+    {
+        $code = (string) ($resp['resp_code'] ?? '');
+        if (!in_array($code, ['00000000', '00', '0000'], true) && $code !== '') {
+            // parseResponse 成功时通常已是业务成功码；若无码但有 token_no 也视为成功
+            if (empty($resp['token_no']) && !$this->cardBusinessSucceeded($resp)) {
+                return false;
+            }
+        }
+        if ($this->cardBusinessFailed($resp)) {
+            return false;
+        }
+        return true;
+    }
+
+    protected function cardBusinessSucceeded(array $resp)
+    {
+        $list = $resp['resp_business'] ?? [];
+        if (is_string($list)) {
+            $list = json_decode($list, true) ?: [];
+        }
+        if (!is_array($list) || !$list) {
+            return false;
+        }
+        foreach ($list as $item) {
+            if (!is_array($item)) {
+                continue;
+            }
+            if ((string) ($item['type'] ?? '') === '1' && strtoupper((string) ($item['code'] ?? '')) === 'S') {
+                return true;
+            }
+        }
+        return false;
+    }
+
+    protected function cardBusinessFailed(array $resp)
+    {
+        $list = $resp['resp_business'] ?? [];
+        if (is_string($list)) {
+            $list = json_decode($list, true) ?: [];
+        }
+        if (!is_array($list)) {
+            return false;
+        }
+        foreach ($list as $item) {
+            if (!is_array($item)) {
+                continue;
+            }
+            if ((string) ($item['type'] ?? '') === '1' && strtoupper((string) ($item['code'] ?? '')) === 'F') {
+                return true;
+            }
+        }
+        return false;
+    }
+
+    protected function commitCardModifySuccess(Onboard $row, array $payload, array $form, array $resp = [])
+    {
+        foreach ($this->cardFieldsOnly($form) as $key => $val) {
+            $payload[$key] = $val;
+        }
+        unset($payload['_card_modify']);
+        $row->payload = json_encode($payload, JSON_UNESCAPED_UNICODE);
+        if ($resp) {
+            $row->resp_snapshot = json_encode($resp, JSON_UNESCAPED_UNICODE);
+        }
+        // 保持 approved，不改 apply_no
+        $row->save();
+        return $row;
+    }
+
+    protected function cardFieldsOnly(array $form)
+    {
+        $keys = [
+            'bank_account_type', 'card_no', 'card_name', 'branch_code', 'branch_name',
+            'prov_id', 'area_id', 'district_id', 'shopro_province_id', 'shopro_city_id', 'shopro_district_id',
+            'mp', 'mobile_no', 'legal_mobile', 'bank_card_url', 'account_permit_url',
+            // normalize 可能同步的证件字段（对私）
+            'cert_no', 'cert_validity_type', 'cert_begin_date', 'cert_end_date', 'name',
+        ];
+        $out = [];
+        foreach ($keys as $key) {
+            if (array_key_exists($key, $form)) {
+                $out[$key] = $form[$key];
+            }
+        }
+        return $out;
+    }
+
+    protected function tryApplyCardModifyNotify(Onboard $row, array $data, array $auditInfo, $applyNo, $reqSeqId)
+    {
+        $payload = json_decode($row['payload'] ?? '', true);
+        if (!is_array($payload)) {
+            return false;
+        }
+        $meta = self::getCardModifyMeta($payload);
+        if (($meta['status'] ?? '') !== 'pending') {
+            return false;
+        }
+
+        $metaApply = trim((string) ($meta['apply_no'] ?? ''));
+        $metaReq = trim((string) ($meta['req_seq_id'] ?? ''));
+        $matched = false;
+        if ($applyNo !== '' && $metaApply !== '' && $applyNo === $metaApply) {
+            $matched = true;
+        } elseif ($reqSeqId !== '' && $metaReq !== '' && $reqSeqId === $metaReq) {
+            $matched = true;
+        }
+        if (!$matched) {
+            return false;
+        }
+
+        $auditStatus = strtoupper(trim((string) (
+            $auditInfo['audit_status']
+            ?? $data['audit_status']
+            ?? $data['apply_status']
+            ?? ''
+        )));
+        $auditDesc = (string) (
+            $auditInfo['audit_desc']
+            ?? $data['audit_desc']
+            ?? $data['sub_resp_desc']
+            ?? $data['resp_desc']
+            ?? ''
+        );
+
+        if (in_array($auditStatus, ['Y', 'S', 'SUCCESS', 'APPROVED', '1', '02', '2'], true)) {
+            $pendingForm = is_array($meta['pending_form'] ?? null) ? $meta['pending_form'] : [];
+            $this->commitCardModifySuccess($row, $payload, $pendingForm, $data);
+            return true;
+        }
+        if (in_array($auditStatus, ['N', 'F', 'FAIL', 'FAILED', 'REJECTED', '3', '03', '-1'], true)) {
+            $payload['_card_modify'] = [
+                'status' => 'rejected',
+                'apply_no' => $metaApply,
+                'req_seq_id' => $metaReq,
+                'pending_form' => $meta['pending_form'] ?? [],
+                'reject_reason' => $auditDesc ?: '结算卡更换被驳回',
+                'updated_at' => time(),
+            ];
+            $row->payload = json_encode($payload, JSON_UNESCAPED_UNICODE);
+            $row->resp_snapshot = json_encode($data, JSON_UNESCAPED_UNICODE);
+            $row->save();
+            return true;
+        }
+
+        // 审核中：保持 pending
+        $payload['_card_modify']['updated_at'] = time();
+        $row->payload = json_encode($payload, JSON_UNESCAPED_UNICODE);
+        $row->resp_snapshot = json_encode($data, JSON_UNESCAPED_UNICODE);
+        $row->save();
+        return true;
+    }
+
+    protected function applyCardModifyRemoteStatus(Onboard $row, array $payload, array $meta, array $status)
+    {
+        if (!$status) {
+            return;
+        }
+        $stat = strtoupper(trim((string) (
+            $status['audit_status']
+            ?? $status['apply_status']
+            ?? $status['status']
+            ?? ''
+        )));
+        $desc = (string) ($status['audit_desc'] ?? $status['apply_desc'] ?? $status['resp_desc'] ?? '');
+
+        if (in_array($stat, ['Y', 'S', 'SUCCESS', 'APPROVED', '1', '02', '2'], true)) {
+            $pendingForm = is_array($meta['pending_form'] ?? null) ? $meta['pending_form'] : [];
+            $this->commitCardModifySuccess($row, $payload, $pendingForm, $status);
+            return;
+        }
+        if (in_array($stat, ['N', 'F', 'FAIL', 'FAILED', 'REJECTED', '3', '03', '-1'], true)) {
+            $payload['_card_modify'] = [
+                'status' => 'rejected',
+                'apply_no' => (string) ($meta['apply_no'] ?? ''),
+                'req_seq_id' => (string) ($meta['req_seq_id'] ?? ''),
+                'pending_form' => $meta['pending_form'] ?? [],
+                'reject_reason' => $desc ?: '结算卡更换被驳回',
+                'updated_at' => time(),
+            ];
+            $row->payload = json_encode($payload, JSON_UNESCAPED_UNICODE);
+            $row->resp_snapshot = json_encode($status, JSON_UNESCAPED_UNICODE);
+            $row->save();
+        }
+    }
+
+    public static function getCardModifyMeta(array $payload)
+    {
+        $meta = $payload['_card_modify'] ?? null;
+        return is_array($meta) ? $meta : [];
+    }
 }

addons/shopro_huifu/library/onboard/HuifuOnboardValidator.php

@@ -43,6 +43,54 @@ class HuifuOnboardValidator
         return self::normalize($data);
     }
 
+    /**
+     * 已通过进件后仅更换结算卡：银行卡字段来自 patch，身份/执照沿用库内 stored
+     */
+    public static function validateCardModify(array $patch, array $stored)
+    {
+        if (!$stored || !is_array($stored)) {
+            throw new \InvalidArgumentException('缺少原进件资料，无法更换结算卡');
+        }
+
+        $merged = $stored;
+        $bankKeys = [
+            'bank_account_type', 'card_no', 'card_name', 'branch_code', 'branch_name',
+            'prov_id', 'area_id', 'district_id', 'shopro_province_id', 'shopro_city_id', 'shopro_district_id',
+            'mp', 'mobile_no', 'legal_mobile', 'bank_card_url', 'account_permit_url',
+        ];
+        foreach ($bankKeys as $key) {
+            if (!array_key_exists($key, $patch)) {
+                continue;
+            }
+            $val = $patch[$key];
+            if ($val === null || $val === '') {
+                continue;
+            }
+            $merged[$key] = $val;
+        }
+
+        $oldCard = preg_replace('/\s+/', '', (string) ($stored['card_no'] ?? ''));
+        $newCardRaw = preg_replace('/\s+/', '', (string) ($merged['card_no'] ?? ''));
+        // 前端若回显脱敏卡号且用户未改，沿用库内原卡号
+        if ($newCardRaw !== '' && strpos($newCardRaw, '*') !== false) {
+            $merged['card_no'] = $oldCard;
+            $newCardRaw = $oldCard;
+        }
+
+        HuifuOnboardAreaHelper::applyRegionCodes($merged);
+        self::resolveBranch($merged);
+        self::validateBank($merged);
+
+        if ($newCardRaw !== $oldCard && empty($merged['bank_card_url'])) {
+            throw new \InvalidArgumentException('更换银行卡号时请重新上传银行卡照片');
+        }
+        if ((string) ($merged['bank_account_type'] ?? '0') === '1' && empty($merged['account_permit_url'])) {
+            throw new \InvalidArgumentException('对公账户请上传开户许可证');
+        }
+
+        return self::normalize($merged);
+    }
+
     protected static function validateIndividual(array $data)
     {
         foreach (['name', 'cert_no', 'mobile_no', 'reg_detail', 'id_card_front_url', 'id_card_back_url'] as $field) {

addons/shopro_huifu/public/assets/js/backend/shopro_huifu/onboard.js

@@ -508,6 +508,47 @@ define(['jquery', 'bootstrap', 'backend'], function ($, undefined, Backend) {
                                 this.retryRow(this.detailId);
                             }
                         },
+                        modifyCardFromDetail: function () {
+                            var vm = this;
+                            if (!vm.detailId || !vm.detailData || !vm.detailData.form) {
+                                return;
+                            }
+                            var form = vm.detailData.form;
+                            Layer.prompt({
+                                title: '输入新结算银行卡号（支行等信息沿用当前资料，更换卡号请同步在资料中更新支行/卡图）',
+                                value: form.card_no || '',
+                                formType: 0,
+                                maxlength: 32
+                            }, function (cardNo, index) {
+                                Layer.close(index);
+                                cardNo = (cardNo || '').replace(/\s+/g, '');
+                                if (!/^\d{12,19}$/.test(cardNo)) {
+                                    Toastr.error('银行卡号格式不正确');
+                                    return;
+                                }
+                                Fast.api.ajax({
+                                    url: 'shopro_huifu/onboard/modifyCard/ids/' + vm.detailId,
+                                    type: 'POST',
+                                    data: {
+                                        row: {
+                                            card_no: cardNo,
+                                            bank_account_type: form.bank_account_type || '0',
+                                            branch_code: form.branch_code || '',
+                                            branch_name: form.branch_name || '',
+                                            prov_id: form.prov_id || '',
+                                            area_id: form.area_id || '',
+                                            mp: form.mobile_no || '',
+                                            mobile_no: form.mobile_no || '',
+                                            bank_card_url: form.bank_card_url || '',
+                                            account_permit_url: form.account_permit_url || ''
+                                        }
+                                    }
+                                }, function () {
+                                    vm.openDetail(vm.detailId);
+                                    vm.getList();
+                                });
+                            });
+                        },
                         editFromDetail: function () {
                             if (this.detailId) {
                                 this.openEdit(this.detailId);

application/admin/controller/shopro_huifu/Onboard.php

@@ -189,4 +189,40 @@ class Onboard extends Base
         }
         $this->success('已重新提交进件');
     }
+
+    /**
+     * 已通过进件更换结算卡（后台代操作）
+     */
+    public function modifyCard($ids = null)
+    {
+        $row = OnboardModel::get($ids);
+        if (!$row) {
+            $this->error('记录不存在');
+        }
+        if ($row['onboard_status'] !== OnboardModel::STATUS_APPROVED) {
+            $this->error('仅进件已通过时可更换结算卡');
+        }
+        $form = $this->request->post('row/a', []);
+        if (!$form) {
+            $form = $this->request->post('huifu_onboard/a', []);
+        }
+        if (!$form || !is_array($form)) {
+            $this->error('请填写结算银行卡信息');
+        }
+        try {
+            $service = new HuifuOnboardService();
+            $service->modifySettleCard(
+                $row['user_id'],
+                $row['role_type'],
+                $row['role_ref_id'],
+                $form,
+                intval($row['id'])
+            );
+        } catch (\think\exception\HttpResponseException $e) {
+            throw $e;
+        } catch (\Throwable $e) {
+            $this->error(HuifuOnboardError::translate($e->getMessage()) ?: '更换结算卡失败');
+        }
+        $this->success('结算卡更换已提交');
+    }
 }

application/admin/view/shopro_huifu/onboard/index.html

@@ -139,6 +139,8 @@
             <el-button type="primary" v-if="detailData && detailData.can_submit_huifu" @click="submitFromDetail">提交汇付</el-button>
             <el-button v-if="detailData && detailData.can_poll" @click="pollFromDetail">刷新状态</el-button>
             <el-button type="warning" v-if="detailData && detailData.can_retry_huifu" @click="retryFromDetail">重新提交</el-button>
+            <el-button type="primary" plain v-if="detailData && detailData.can_modify_card" @click="modifyCardFromDetail">更换结算卡</el-button>
+            <el-tag size="mini" type="warning" v-if="detailData && detailData.card_modify_pending" style="margin-left:8px;">换卡审核中</el-tag>
         </span>
     </el-dialog>
 </div>

public/assets/js/backend/shopro_huifu/onboard.js

@@ -508,6 +508,47 @@ define(['jquery', 'bootstrap', 'backend'], function ($, undefined, Backend) {
                                 this.retryRow(this.detailId);
                             }
                         },
+                        modifyCardFromDetail: function () {
+                            var vm = this;
+                            if (!vm.detailId || !vm.detailData || !vm.detailData.form) {
+                                return;
+                            }
+                            var form = vm.detailData.form;
+                            Layer.prompt({
+                                title: '输入新结算银行卡号（支行等信息沿用当前资料，更换卡号请同步在资料中更新支行/卡图）',
+                                value: form.card_no || '',
+                                formType: 0,
+                                maxlength: 32
+                            }, function (cardNo, index) {
+                                Layer.close(index);
+                                cardNo = (cardNo || '').replace(/\s+/g, '');
+                                if (!/^\d{12,19}$/.test(cardNo)) {
+                                    Toastr.error('银行卡号格式不正确');
+                                    return;
+                                }
+                                Fast.api.ajax({
+                                    url: 'shopro_huifu/onboard/modifyCard/ids/' + vm.detailId,
+                                    type: 'POST',
+                                    data: {
+                                        row: {
+                                            card_no: cardNo,
+                                            bank_account_type: form.bank_account_type || '0',
+                                            branch_code: form.branch_code || '',
+                                            branch_name: form.branch_name || '',
+                                            prov_id: form.prov_id || '',
+                                            area_id: form.area_id || '',
+                                            mp: form.mobile_no || '',
+                                            mobile_no: form.mobile_no || '',
+                                            bank_card_url: form.bank_card_url || '',
+                                            account_permit_url: form.account_permit_url || ''
+                                        }
+                                    }
+                                }, function () {
+                                    vm.openDetail(vm.detailId);
+                                    vm.getList();
+                                });
+                            });
+                        },
                         editFromDetail: function () {
                             if (this.detailId) {
                                 this.openEdit(this.detailId);

xgsc.gynhc.com_wx/components/huifu-onboard-form/huifu-onboard-form.vue

@@ -6,7 +6,7 @@
 				<view class="huifu-badge">汇付</view>
 				<view class="huifu-head-text">
 					<view class="section-title">绑定银行卡</view>
-					<view class="tip">填写开户资料，先由平台审核，通过后再提交汇付</view>
+					<view class="tip">{{ formTipText }}</view>
 				</view>
 			</view>
 			<view class="status-pill" v-if="statusInfo && statusInfo.status" :class="'is-' + statusInfo.status">
@@ -21,7 +21,7 @@
 					class="type-item"
 					v-for="item in accountTypeOptions"
 					:key="item.value"
-					:class="{ active: form.account_type === item.value, disabled: readonly }"
+					:class="{ active: form.account_type === item.value, disabled: identityReadonly }"
 					@tap="setAccountType(item.value)"
 				>
 					<text class="type-check">{{ form.account_type === item.value ? '✓' : '' }}</text>
@@ -36,19 +36,19 @@
 			<view class="field" id="field-name" :class="{ 'is-error': fieldErrors.name }">
 				<text class="field-label required">真实姓名</text>
 				<text class="field-hint">银行卡绑定的用户姓名</text>
-				<input class="field-input" v-model="form.name" placeholder="请输入真实姓名" placeholder-class="ph" :disabled="readonly" @input="clearError('name')" />
+				<input class="field-input" v-model="form.name" placeholder="请输入真实姓名" placeholder-class="ph" :disabled="identityReadonly" @input="clearError('name')" />
 				<text class="field-error" v-if="fieldErrors.name">{{ fieldErrors.name }}</text>
 			</view>
 			<view class="field" id="field-cert_no" :class="{ 'is-error': fieldErrors.cert_no }">
 				<text class="field-label required">身份证号</text>
 				<text class="field-hint">18 位二代身份证号码</text>
-				<input class="field-input" v-model="form.cert_no" maxlength="18" placeholder="请输入身份证号" placeholder-class="ph" :disabled="readonly" @input="clearError('cert_no')" />
+				<input class="field-input" v-model="form.cert_no" maxlength="18" placeholder="请输入身份证号" placeholder-class="ph" :disabled="identityReadonly" @input="clearError('cert_no')" />
 				<text class="field-error" v-if="fieldErrors.cert_no">{{ fieldErrors.cert_no }}</text>
 			</view>
 			<view class="field" id="field-cert_end_date" :class="{ 'is-error': fieldErrors.cert_end_date }">
 				<text class="field-label required">身份证有效期至</text>
 				<text class="field-hint">长期有效请选择 2099-12-31</text>
-				<picker mode="date" :value="certEndPickerValue" @change="onCertEndChange" :disabled="readonly">
+				<picker mode="date" :value="certEndPickerValue" @change="onCertEndChange" :disabled="identityReadonly">
 					<view class="field-input is-picker">
 						<text :class="{ ph: !form.cert_end_date }">{{ certEndDisplay || '请选择日期' }}</text>
 						<text class="arrow">›</text>
@@ -66,18 +66,18 @@
 			</view>
 			<view class="field" id="field-reg_detail" :class="{ 'is-error': fieldErrors.reg_detail }">
 				<text class="field-label required">详细地址</text>
-				<input class="field-input" v-model="form.reg_detail" placeholder="请输入详细居住地址" placeholder-class="ph" :disabled="readonly" @input="clearError('reg_detail')" />
+				<input class="field-input" v-model="form.reg_detail" placeholder="请输入详细居住地址" placeholder-class="ph" :disabled="identityReadonly" @input="clearError('reg_detail')" />
 				<text class="field-error" v-if="fieldErrors.reg_detail">{{ fieldErrors.reg_detail }}</text>
 			</view>
 			<view class="upload-grid">
 				<view class="upload-cell" id="field-id_card_front_url" :class="{ 'is-error': fieldErrors.id_card_front_url }">
 					<text class="upload-label required">身份证人像面</text>
-					<u-upload :file-list="frontList" :action="`${$API_URL}/index/upload`" :header="uploadHeader" maxCount="1" width="200" height="140" :deletable="!readonly" :disabled="readonly" @on-success="onFrontSuccess" @on-uploaded="onFrontUploaded" @on-error="onUploadError('id_card_front_url', '身份证人像面')" @on-remove="onFrontRemoved"></u-upload>
+					<u-upload :file-list="frontList" :action="`${$API_URL}/index/upload`" :header="uploadHeader" maxCount="1" width="200" height="140" :deletable="!identityReadonly" :disabled="identityReadonly" @on-success="onFrontSuccess" @on-uploaded="onFrontUploaded" @on-error="onUploadError('id_card_front_url', '身份证人像面')" @on-remove="onFrontRemoved"></u-upload>
 					<text class="field-error" v-if="fieldErrors.id_card_front_url">{{ fieldErrors.id_card_front_url }}</text>
 				</view>
 				<view class="upload-cell" id="field-id_card_back_url" :class="{ 'is-error': fieldErrors.id_card_back_url }">
 					<text class="upload-label required">身份证国徽面</text>
-					<u-upload :file-list="backList" :action="`${$API_URL}/index/upload`" :header="uploadHeader" maxCount="1" width="200" height="140" :deletable="!readonly" :disabled="readonly" @on-success="onBackSuccess" @on-uploaded="onBackUploaded" @on-error="onUploadError('id_card_back_url', '身份证国徽面')" @on-remove="onBackRemoved"></u-upload>
+					<u-upload :file-list="backList" :action="`${$API_URL}/index/upload`" :header="uploadHeader" maxCount="1" width="200" height="140" :deletable="!identityReadonly" :disabled="identityReadonly" @on-success="onBackSuccess" @on-uploaded="onBackUploaded" @on-error="onUploadError('id_card_back_url', '身份证国徽面')" @on-remove="onBackRemoved"></u-upload>
 					<text class="field-error" v-if="fieldErrors.id_card_back_url">{{ fieldErrors.id_card_back_url }}</text>
 				</view>
 			</view>
@@ -89,18 +89,18 @@
 			<view class="field" id="field-reg_name" :class="{ 'is-error': fieldErrors.reg_name }">
 				<text class="field-label required">商户名称</text>
 				<text class="field-hint">请输入营业执照上的名称</text>
-				<input class="field-input" v-model="form.reg_name" placeholder="请输入商户名称" placeholder-class="ph" :disabled="readonly" @input="clearError('reg_name')" />
+				<input class="field-input" v-model="form.reg_name" placeholder="请输入商户名称" placeholder-class="ph" :disabled="identityReadonly" @input="clearError('reg_name')" />
 				<text class="field-error" v-if="fieldErrors.reg_name">{{ fieldErrors.reg_name }}</text>
 			</view>
 			<view class="field" id="field-license_code" :class="{ 'is-error': fieldErrors.license_code }">
 				<text class="field-label required">统一社会信用代码</text>
-				<input class="field-input" v-model="form.license_code" maxlength="18" placeholder="请输入统一社会信用代码" placeholder-class="ph" :disabled="readonly" @input="clearError('license_code')" />
+				<input class="field-input" v-model="form.license_code" maxlength="18" placeholder="请输入统一社会信用代码" placeholder-class="ph" :disabled="identityReadonly" @input="clearError('license_code')" />
 				<text class="field-error" v-if="fieldErrors.license_code">{{ fieldErrors.license_code }}</text>
 			</view>
 			<view class="field" id="field-license_end_date" :class="{ 'is-error': fieldErrors.license_end_date }">
 				<text class="field-label required">统一社会信用代码有效期</text>
 				<text class="field-hint">长期有效请选择 2099-12-31</text>
-				<picker mode="date" :value="licenseEndPickerValue" @change="onLicenseEndChange" :disabled="readonly">
+				<picker mode="date" :value="licenseEndPickerValue" @change="onLicenseEndChange" :disabled="identityReadonly">
 					<view class="field-input is-picker">
 						<text :class="{ ph: !form.license_end_date }">{{ licenseEndDisplay || '请选择日期' }}</text>
 						<text class="arrow">›</text>
@@ -118,27 +118,27 @@
 			</view>
 			<view class="field" id="field-ent-reg_detail" :class="{ 'is-error': fieldErrors.reg_detail }">
 				<text class="field-label required">企业地址</text>
-				<input class="field-input" v-model="form.reg_detail" placeholder="请输入企业经营地址" placeholder-class="ph" :disabled="readonly" @input="clearError('reg_detail')" />
+				<input class="field-input" v-model="form.reg_detail" placeholder="请输入企业经营地址" placeholder-class="ph" :disabled="identityReadonly" @input="clearError('reg_detail')" />
 				<text class="field-error" v-if="fieldErrors.reg_detail">{{ fieldErrors.reg_detail }}</text>
 			</view>
 			<view class="field" id="field-legal_name" :class="{ 'is-error': fieldErrors.legal_name }">
 				<text class="field-label required">法人姓名</text>
-				<input class="field-input" v-model="form.legal_name" placeholder="请输入法人姓名" placeholder-class="ph" :disabled="readonly" @input="clearError('legal_name')" />
+				<input class="field-input" v-model="form.legal_name" placeholder="请输入法人姓名" placeholder-class="ph" :disabled="identityReadonly" @input="clearError('legal_name')" />
 				<text class="field-error" v-if="fieldErrors.legal_name">{{ fieldErrors.legal_name }}</text>
 			</view>
 			<view class="field" id="field-legal_mobile" :class="{ 'is-error': fieldErrors.legal_mobile }">
 				<text class="field-label required">法人手机号</text>
-				<input class="field-input" v-model="form.legal_mobile" type="number" maxlength="11" placeholder="请输入法人手机号" placeholder-class="ph" :disabled="readonly" @input="clearError('legal_mobile')" />
+				<input class="field-input" v-model="form.legal_mobile" type="number" maxlength="11" placeholder="请输入法人手机号" placeholder-class="ph" :disabled="identityReadonly" @input="clearError('legal_mobile')" />
 				<text class="field-error" v-if="fieldErrors.legal_mobile">{{ fieldErrors.legal_mobile }}</text>
 			</view>
 			<view class="field" id="field-legal_cert_no" :class="{ 'is-error': fieldErrors.legal_cert_no }">
 				<text class="field-label required">法人身份证号</text>
-				<input class="field-input" v-model="form.legal_cert_no" maxlength="18" placeholder="请输入法人身份证号" placeholder-class="ph" :disabled="readonly" @input="clearError('legal_cert_no')" />
+				<input class="field-input" v-model="form.legal_cert_no" maxlength="18" placeholder="请输入法人身份证号" placeholder-class="ph" :disabled="identityReadonly" @input="clearError('legal_cert_no')" />
 				<text class="field-error" v-if="fieldErrors.legal_cert_no">{{ fieldErrors.legal_cert_no }}</text>
 			</view>
 			<view class="field" id="field-legal_cert_end_date" :class="{ 'is-error': fieldErrors.legal_cert_end_date }">
 				<text class="field-label required">法人身份证有效期</text>
-				<picker mode="date" :value="legalCertEndPickerValue" @change="onLegalCertEndChange" :disabled="readonly">
+				<picker mode="date" :value="legalCertEndPickerValue" @change="onLegalCertEndChange" :disabled="identityReadonly">
 					<view class="field-input is-picker">
 						<text :class="{ ph: !form.legal_cert_end_date }">{{ legalCertEndDisplay || '请选择日期' }}</text>
 						<text class="arrow">›</text>
@@ -149,17 +149,17 @@
 			<view class="upload-grid">
 				<view class="upload-cell" id="field-license_url" :class="{ 'is-error': fieldErrors.license_url }">
 					<text class="upload-label required">营业执照照片</text>
-					<u-upload :file-list="licenseList" :action="`${$API_URL}/index/upload`" :header="uploadHeader" maxCount="1" width="200" height="140" :deletable="!readonly" :disabled="readonly" @on-success="onLicenseSuccess" @on-uploaded="onLicenseUploaded" @on-remove="onLicenseRemoved"></u-upload>
+					<u-upload :file-list="licenseList" :action="`${$API_URL}/index/upload`" :header="uploadHeader" maxCount="1" width="200" height="140" :deletable="!identityReadonly" :disabled="identityReadonly" @on-success="onLicenseSuccess" @on-uploaded="onLicenseUploaded" @on-remove="onLicenseRemoved"></u-upload>
 					<text class="field-error" v-if="fieldErrors.license_url">{{ fieldErrors.license_url }}</text>
 				</view>
 				<view class="upload-cell" id="field-legal_id_front_url" :class="{ 'is-error': fieldErrors.legal_id_front_url }">
 					<text class="upload-label required">法人身份证人像面</text>
-					<u-upload :file-list="legalFrontList" :action="`${$API_URL}/index/upload`" :header="uploadHeader" maxCount="1" width="200" height="140" :deletable="!readonly" :disabled="readonly" @on-success="onLegalFrontSuccess" @on-uploaded="onLegalFrontUploaded" @on-remove="onLegalFrontRemoved"></u-upload>
+					<u-upload :file-list="legalFrontList" :action="`${$API_URL}/index/upload`" :header="uploadHeader" maxCount="1" width="200" height="140" :deletable="!identityReadonly" :disabled="identityReadonly" @on-success="onLegalFrontSuccess" @on-uploaded="onLegalFrontUploaded" @on-remove="onLegalFrontRemoved"></u-upload>
 					<text class="field-error" v-if="fieldErrors.legal_id_front_url">{{ fieldErrors.legal_id_front_url }}</text>
 				</view>
 				<view class="upload-cell" id="field-legal_id_back_url" :class="{ 'is-error': fieldErrors.legal_id_back_url }">
 					<text class="upload-label required">法人身份证国徽面</text>
-					<u-upload :file-list="legalBackList" :action="`${$API_URL}/index/upload`" :header="uploadHeader" maxCount="1" width="200" height="140" :deletable="!readonly" :disabled="readonly" @on-success="onLegalBackSuccess" @on-uploaded="onLegalBackUploaded" @on-remove="onLegalBackRemoved"></u-upload>
+					<u-upload :file-list="legalBackList" :action="`${$API_URL}/index/upload`" :header="uploadHeader" maxCount="1" width="200" height="140" :deletable="!identityReadonly" :disabled="identityReadonly" @on-success="onLegalBackSuccess" @on-uploaded="onLegalBackUploaded" @on-remove="onLegalBackRemoved"></u-upload>
 					<text class="field-error" v-if="fieldErrors.legal_id_back_url">{{ fieldErrors.legal_id_back_url }}</text>
 				</view>
 			</view>
@@ -173,7 +173,7 @@
 					class="type-item small"
 					v-for="item in bankAccountTypeOptions"
 					:key="item.value"
-					:class="{ active: form.bank_account_type === item.value, disabled: readonly }"
+					:class="{ active: form.bank_account_type === item.value, disabled: bankReadonly }"
 					@tap="setBankAccountType(item.value)"
 				>
 					<text class="type-check">{{ form.bank_account_type === item.value ? '✓' : '' }}</text>
@@ -183,14 +183,14 @@
 			<view class="field" id="field-card_no" :class="{ 'is-error': fieldErrors.card_no }">
 				<text class="field-label required">结算账户银行卡号</text>
 				<text class="field-hint">分成资金到账银行卡号，须为一类借记卡</text>
-				<input class="field-input" v-model="form.card_no" type="number" placeholder="请输入结算银行卡号" placeholder-class="ph" :disabled="readonly" @input="clearError('card_no')" />
+				<input class="field-input" v-model="form.card_no" type="number" placeholder="请输入结算银行卡号" placeholder-class="ph" :disabled="bankReadonly" @input="onCardNoInput" />
 				<text class="field-error" v-if="fieldErrors.card_no">{{ fieldErrors.card_no }}</text>
 			</view>
 			<view class="field" id="field-branch_name" :class="{ 'is-error': fieldErrors.branch_name }">
 				<text class="field-label required">开户银行名称</text>
 				<text class="field-hint">搜索支行名称，系统将自动匹配联行号</text>
-				<input class="field-input" v-model="branchKeyword" placeholder="例如：农业银行贵阳总府支行" placeholder-class="ph" :disabled="readonly" @input="onBranchInput" @focus="onBranchInput" />
+				<input class="field-input" v-model="branchKeyword" placeholder="例如：农业银行贵阳总府支行" placeholder-class="ph" :disabled="bankReadonly" @input="onBranchInput" @focus="onBranchInput" />
-				<view class="branch-panel" v-if="branchResults.length && !readonly">
+				<view class="branch-panel" v-if="branchResults.length && !bankReadonly">
 					<view class="branch-item" v-for="(item, idx) in branchResults" :key="idx" @tap="selectBranch(item)">
 						<text class="branch-name">{{ item.branch_name }}</text>
 						<text class="branch-code">{{ item.branch_code }}</text>
@@ -207,23 +207,24 @@
 			<view class="field" v-if="form.account_type === 'indv' || (form.account_type === 'ent' && form.bank_account_type === '0')" id="field-mobile_no" :class="{ 'is-error': fieldErrors.mobile_no }">
 				<text class="field-label required">{{ form.account_type === 'ent' ? '手机号' : '手机号' }}</text>
 				<text class="field-hint">银行卡开户预留的手机号</text>
-				<input class="field-input" v-model="bankMobile" type="number" maxlength="11" placeholder="请输入银行预留手机号" placeholder-class="ph" :disabled="readonly" @input="clearError('mobile_no')" />
+				<input class="field-input" v-model="bankMobile" type="number" maxlength="11" placeholder="请输入银行预留手机号" placeholder-class="ph" :disabled="bankReadonly" @input="clearError('mobile_no')" />
 				<text class="field-error" v-if="fieldErrors.mobile_no">{{ fieldErrors.mobile_no }}</text>
 			</view>
 			<view class="field upload-bank">
-				<text class="field-label">银行卡正面照</text>
+				<text class="field-label" :class="{ required: editMode === 'bank_only' }">银行卡正面照</text>
-				<text class="field-hint">建议上传，可加快审核</text>
+				<text class="field-hint">{{ editMode === 'bank_only' ? '更换卡号时请重新上传银行卡照片' : '建议上传，可加快审核' }}</text>
-				<u-upload :file-list="bankList" :action="`${$API_URL}/index/upload`" :header="uploadHeader" maxCount="1" width="200" height="140" :deletable="!readonly" :disabled="readonly" @on-success="onBankSuccess" @on-uploaded="onBankUploaded" @on-remove="onBankRemoved"></u-upload>
+				<u-upload :file-list="bankList" :action="`${$API_URL}/index/upload`" :header="uploadHeader" maxCount="1" width="200" height="140" :deletable="!bankReadonly" :disabled="bankReadonly" @on-success="onBankSuccess" @on-uploaded="onBankUploaded" @on-remove="onBankRemoved"></u-upload>
+				<text class="field-error" v-if="fieldErrors.bank_card_url">{{ fieldErrors.bank_card_url }}</text>
 			</view>
 			<view class="field upload-bank" v-if="form.account_type === 'ent' && form.bank_account_type === '1'">
 				<text class="field-label required">开户许可证/基本户证明</text>
-				<u-upload :file-list="permitList" :action="`${$API_URL}/index/upload`" :header="uploadHeader" maxCount="1" width="200" height="140" :deletable="!readonly" :disabled="readonly" @on-success="onPermitSuccess" @on-uploaded="onPermitUploaded" @on-remove="onPermitRemoved"></u-upload>
+				<u-upload :file-list="permitList" :action="`${$API_URL}/index/upload`" :header="uploadHeader" maxCount="1" width="200" height="140" :deletable="!bankReadonly" :disabled="bankReadonly" @on-success="onPermitSuccess" @on-uploaded="onPermitUploaded" @on-remove="onPermitRemoved"></u-upload>
 			</view>
 		</view>
 
-		<view class="reject-box" v-if="statusInfo && statusInfo.reject_reason">
+		<view class="reject-box" v-if="statusInfo && (statusInfo.reject_reason || statusInfo.card_modify_reject_reason)">
-			<text class="reject-label">驳回原因</text>
+			<text class="reject-label">{{ statusInfo.card_modify_reject_reason ? '换卡驳回原因' : '驳回原因' }}</text>
-			<text class="reject-text">{{ statusInfo.reject_reason }}</text>
+			<text class="reject-text">{{ statusInfo.card_modify_reject_reason || statusInfo.reject_reason }}</text>
 		</view>
 
 		<u-select mode="mutil-column-auto" safe-area-inset-bottom :list="addressAreaList" v-model="showRegionSelect" @confirm="onRegionConfirm"></u-select>
@@ -236,7 +237,9 @@ export default {
 	props: {
 		required: { type: Boolean, default: false },
 		statusInfo: { type: Object, default: () => ({}) },
-		readonly: { type: Boolean, default: false }
+		readonly: { type: Boolean, default: false },
+		/** full=完整进件；bank_only=仅更换结算卡 */
+		editMode: { type: String, default: 'full' }
 	},
 	data() {
 		return {
@@ -248,6 +251,7 @@ export default {
 				{ label: '对公', value: '1' },
 				{ label: '对私', value: '0' }
 			],
+			originalCardNo: '',
 			form: {
 				account_type: 'indv',
 				bank_account_type: '0',
@@ -308,6 +312,18 @@ export default {
 		uploadHeader() {
 			return { token: uni.getStorageSync('token') || '' };
 		},
+		identityReadonly() {
+			return this.readonly || this.editMode === 'bank_only';
+		},
+		bankReadonly() {
+			return this.readonly;
+		},
+		formTipText() {
+			if (this.editMode === 'bank_only') {
+				return '进件已通过，可修改结算银行卡信息后提交更换';
+			}
+			return '填写开户资料，先由平台审核，通过后再提交汇付';
+		},
 		bankMobile: {
 			get() {
 				return this.form.account_type === 'ent' ? this.form.legal_mobile : this.form.mobile_no;
@@ -340,10 +356,49 @@ export default {
 			return this.displayDate(this.form.legal_cert_end_date);
 		}
 	},
+	watch: {
+		statusInfo: {
+			immediate: true,
+			deep: true,
+			handler(val) {
+				if (val && val.draft) {
+					this.applyDraft(val.draft);
+				}
+			}
+		}
+	},
 	mounted() {
 		this.loadArea();
 	},
 	methods: {
+		applyDraft(draft) {
+			if (!draft || typeof draft !== 'object') return;
+			Object.keys(this.form).forEach(key => {
+				if (draft[key] !== undefined && draft[key] !== null && draft[key] !== '') {
+					this.form[key] = draft[key];
+				}
+			});
+			this.originalCardNo = String(this.form.card_no || '').replace(/\s+/g, '');
+			if (draft.branch_name) {
+				this.branchKeyword = draft.branch_name;
+			}
+			const setList = (url, listKey) => {
+				if (url) this[listKey] = [{ url }];
+			};
+			setList(this.form.id_card_front_url, 'frontList');
+			setList(this.form.id_card_back_url, 'backList');
+			setList(this.form.license_url, 'licenseList');
+			setList(this.form.legal_id_front_url, 'legalFrontList');
+			setList(this.form.legal_id_back_url, 'legalBackList');
+			setList(this.form.bank_card_url, 'bankList');
+			setList(this.form.account_permit_url, 'permitList');
+			if (draft.shopro_province_id || draft.prov_id) {
+				// 区域文案在无完整省市区树时先用编码占位，用户可重选支行补齐
+				if (!this.regionText) {
+					this.regionText = [draft.prov_id, draft.area_id, draft.district_id].filter(Boolean).join(' / ');
+				}
+			}
+		},
 		loadArea() {
 			this.$http('address.area').then(res => {
 				if (res.code !== 1) return;
@@ -360,18 +415,18 @@ export default {
 			});
 		},
 		setAccountType(value) {
-			if (this.readonly) return;
+			if (this.identityReadonly) return;
 			this.form.account_type = value;
 			if (value === 'indv') {
 				this.form.bank_account_type = '0';
 			}
 		},
 		setBankAccountType(value) {
-			if (this.readonly) return;
+			if (this.bankReadonly) return;
 			this.form.bank_account_type = value;
 		},
 		openRegionPicker() {
-			if (this.readonly) return;
+			if (this.identityReadonly) return;
 			if (!this.addressAreaList.length) {
 				this.$u.toast('区域数据加载中，请稍候');
 				return;
@@ -414,8 +469,20 @@ export default {
 			this.applyValidityByEnd('legal_cert', e.detail.value);
 			this.clearError('legal_cert_end_date');
 		},
+		onCardNoInput() {
+			this.clearError('card_no');
+			if (this.editMode !== 'bank_only') return;
+			const newCard = String(this.form.card_no || '').replace(/\s+/g, '');
+			const oldCard = String(this.originalCardNo || '').replace(/\s+/g, '');
+			if (newCard && oldCard && newCard !== oldCard) {
+				// 卡号变更后必须重新上传银行卡图，避免沿用旧图
+				this.form.bank_card_url = '';
+				this.bankList = [];
+				this.clearError('bank_card_url');
+			}
+		},
 		onBranchInput() {
-			if (this.readonly) return;
+			if (this.bankReadonly) return;
 			clearTimeout(this.branchTimer);
 			const keyword = (this.branchKeyword || '').trim();
 			if (keyword.length < 2) {
@@ -545,13 +612,16 @@ export default {
 			if (!this.required) return true;
 			this.fieldErrors = {};
 			const f = this.form;
-			if (!f.prov_id || !f.area_id) return this.failField('prov_id', '请选择所在区域');
 			if (!f.branch_code && !(this.branchKeyword || f.branch_name)) {
 				return this.failField('branch_name', '请搜索并选择开户银行支行');
 			}
 			if (!f.branch_name && this.branchKeyword) {
 				f.branch_name = this.branchKeyword.trim();
 			}
+			if (this.editMode === 'bank_only') {
+				return this.validateBankOnly();
+			}
+			if (!f.prov_id || !f.area_id) return this.failField('prov_id', '请选择所在区域');
 			if (f.account_type === 'indv') {
 				if (!f.name) return this.failField('name', '请填写真实姓名');
 				if (!f.cert_no) return this.failField('cert_no', '请填写身份证号');
@@ -597,6 +667,30 @@ export default {
 			}
 			return true;
 		},
+		validateBankOnly() {
+			const f = this.form;
+			if (!f.card_no || !/^\d{12,19}$/.test(String(f.card_no).replace(/\s+/g, ''))) {
+				return this.failField('card_no', '请填写正确银行卡号');
+			}
+			if (!f.branch_code) {
+				return this.failField('branch_name', '请搜索并选择开户银行支行');
+			}
+			const newCard = String(f.card_no).replace(/\s+/g, '');
+			const oldCard = String(this.originalCardNo || '').replace(/\s+/g, '');
+			if (newCard !== oldCard && !f.bank_card_url) {
+				return this.failField('bank_card_url', '更换银行卡号时请重新上传银行卡照片');
+			}
+			if (f.account_type === 'indv' || (f.account_type === 'ent' && f.bank_account_type === '0')) {
+				const mobile = f.account_type === 'ent' ? f.legal_mobile : f.mobile_no;
+				if (!mobile || !/^1\d{10}$/.test(mobile)) {
+					return this.failField('mobile_no', '请填写银行预留手机号');
+				}
+			}
+			if (f.account_type === 'ent' && f.bank_account_type === '1' && !f.account_permit_url) {
+				return this.failField('account_permit_url', '对公账户请上传开户许可证');
+			}
+			return true;
+		},
 		statusText(status) {
 			const map = {
 				draft: '待后台审核',

xgsc.gynhc.com_wx/pages/user/wallet/onboard-bind.vue

@@ -13,6 +13,7 @@
 					:required="huifuRequired"
 					:statusInfo="huifuStatus"
 					:readonly="huifuFormReadonly"
+					:editMode="formEditMode"
 				></huifu-onboard-form>
 				<view class="foot-box safe-area-inset-bottom" v-if="showOnboardSubmitBtn">
 					<button
@@ -38,6 +39,9 @@ export default {
 			huifuStatus: {},
 			onboardRoleLabels: [],
 			canSubmitOnboard: false,
+			canModifyCard: false,
+			roleType: '',
+			roleRefId: 0,
 			onboardSubmitting: false
 		};
 	},
@@ -46,19 +50,33 @@ export default {
 			if (!this.onboardRoleLabels.length) return '';
 			return `适用角色：${this.onboardRoleLabels.join('、')}`;
 		},
+		formEditMode() {
+			if (this.canModifyCard || (this.huifuStatus && this.huifuStatus.status === 'approved')) {
+				return 'bank_only';
+			}
+			return 'full';
+		},
 		huifuFormReadonly() {
 			if (!this.huifuRequired) return true;
+			if (this.huifuStatus && this.huifuStatus.card_modify_pending) return true;
+			if (this.canModifyCard) return false;
 			return !this.canSubmitOnboard;
 		},
 		showOnboardSubmitBtn() {
-			return this.canSubmitOnboard;
+			return this.canSubmitOnboard || this.canModifyCard;
 		},
 		onboardSubmitText() {
+			if (this.canModifyCard) return '提交更换结算卡';
 			if (this.huifuStatus && this.huifuStatus.can_submit) return '重新提交进件资料';
 			return '提交开户认证';
 		},
 		onboardNoticeText() {
 			const h = this.huifuStatus || {};
+			if (h.card_modify_pending) return '结算卡更换审核中，请耐心等待';
+			if (h.card_modify_reject_reason) {
+				return `结算卡更换被驳回：${h.card_modify_reject_reason}，请修改后重新提交`;
+			}
+			if (this.canModifyCard) return '汇付进件已通过，可更换结算银行卡';
 			if (h.can_submit) return '汇付进件被驳回，请修改下方资料后重新提交';
 			if (h.await_admin) return '进件资料已提交，请等待后台审核；审核通过后将自动提交汇付';
 			if (h.status === 'busi_pending' || h.status === 'submitting' || h.status === 'basic_ok') {
@@ -75,6 +93,15 @@ export default {
 		this.loadOnboardBind();
 	},
 	methods: {
+		applyOnboardData(data) {
+			this.huifuRequired = !!data.required;
+			this.huifuStatus = data.huifu_onboard || {};
+			this.onboardRoleLabels = Array.isArray(data.role_labels) ? data.role_labels : [];
+			this.canSubmitOnboard = !!data.can_submit_bind;
+			this.canModifyCard = !!data.can_modify_card_bind || !!(this.huifuStatus && this.huifuStatus.can_modify_card);
+			this.roleType = data.role_type || (this.huifuStatus.role_type || '');
+			this.roleRefId = parseInt(data.role_ref_id || this.huifuStatus.role_ref_id || 0, 10) || 0;
+		},
 		loadOnboardBind() {
 			this.$http('money.walletOnboard', {}, '', false).then(res => {
 				if (res.code !== 1) {
@@ -88,10 +115,7 @@ export default {
 					setTimeout(() => this.$Router.back(), 1500);
 					return;
 				}
-				this.huifuRequired = !!data.required;
+				this.applyOnboardData(data);
-				this.huifuStatus = data.huifu_onboard || {};
-				this.onboardRoleLabels = Array.isArray(data.role_labels) ? data.role_labels : [];
-				this.canSubmitOnboard = !!data.can_submit_bind;
 				this.loaded = true;
 			});
 		},
@@ -99,20 +123,22 @@ export default {
 			if (!this.$refs.huifuForm) return;
 			const valid = this.$refs.huifuForm.validate();
 			if (valid !== true) return;
+			const isModifyCard = this.canModifyCard && !this.canSubmitOnboard;
+			const api = isModifyCard ? 'money.walletOnboardModifyCard' : 'money.walletOnboardSubmit';
+			const payload = {
+				huifu_onboard: this.$refs.huifuForm.getPayload()
+			};
+			if (isModifyCard) {
+				if (this.roleType) payload.role_type = this.roleType;
+				if (this.roleRefId) payload.role_ref_id = this.roleRefId;
+			}
 			this.onboardSubmitting = true;
-			this.$http(
+			this.$http(api, payload, '提交中...', false).then(res => {
-				'money.walletOnboardSubmit',
-				{ huifu_onboard: this.$refs.huifuForm.getPayload() },
-				'提交中...',
-				false
-			).then(res => {
 				this.onboardSubmitting = false;
 				if (res.code === 1) {
 					this.$u.toast(res.msg || '提交成功');
 					if (res.data) {
-						this.huifuStatus = res.data.huifu_onboard || {};
+						this.applyOnboardData(res.data);
-						this.onboardRoleLabels = Array.isArray(res.data.role_labels) ? res.data.role_labels : [];
-						this.canSubmitOnboard = !!res.data.can_submit_bind;
 						if (!res.data.show) {
 							setTimeout(() => this.$Router.back(), 1500);
 						}

xgsc.gynhc.com_wx/pages/user/wallet/withdraw.vue

@@ -177,6 +177,9 @@
 			onboardEntryDesc() {
 				if (this.canSubmitOnboard) return '请完善实名与银行卡信息';
 				const h = this.huifuStatus || {};
+				if (h.card_modify_pending) return '结算卡更换审核中';
+				if (h.card_modify_reject_reason) return '结算卡更换被驳回，点击重新更换';
+				if (h.can_modify_card || h.status === 'approved') return '进件已通过，可查看或更换结算银行卡';
 				if (h.await_admin) return '资料已提交，等待平台审核';
 				if (h.status === 'busi_pending' || h.status === 'submitting' || h.status === 'basic_ok') {
 					return '汇付进件审核中';
@@ -193,9 +196,12 @@
 					submitting: '提交中',
 					basic_ok: '开户成功',
 					busi_pending: '审核中',
+					approved: '已通过',
 					rejected: '已驳回',
 					failed: '失败'
 				};
+				if (h.card_modify_pending) return '换卡审核中';
+				if (h.card_modify_reject_reason) return '换卡驳回';
 				if (h.can_submit) return '待修改';
 				if (h.await_admin) return '待审核';
 				if (h.status && map[h.status]) return map[h.status];
@@ -204,11 +210,12 @@
 			},
 			onboardStatusClass() {
 				const h = this.huifuStatus || {};
-				if (h.can_submit || h.status === 'rejected' || h.status === 'failed') return 'is-warn';
+				if (h.can_submit || h.status === 'rejected' || h.status === 'failed' || h.card_modify_reject_reason) return 'is-warn';
-				if (h.await_admin || h.status === 'draft') return 'is-pending';
+				if (h.await_admin || h.status === 'draft' || h.card_modify_pending) return 'is-pending';
 				if (h.status === 'busi_pending' || h.status === 'submitting' || h.status === 'basic_ok') {
 					return 'is-pending';
 				}
+				if (h.status === 'approved') return 'is-ok';
 				if (this.canSubmitOnboard) return 'is-warn';
 				return '';
 			}
@@ -430,6 +437,10 @@
 				&.is-pending {
 					color: #1677FF;
 				}
+
+				&.is-ok {
+					color: #52c41a;
+				}
 			}
 
 			.arrow-icon {

xgsc.gynhc.com_wx/shopro/request/apis.js

@@ -693,6 +693,12 @@ export default {
 			method: "POST",
 			// desc: '提现页提交分账进件资料',
 		},
+		walletOnboardModifyCard: {
+			url: "user_wallet_apply/onboardModifyCard",
+			auth: true,
+			method: "POST",
+			// desc: '进件通过后更换结算银行卡',
+		},
 		walletLog: {
 			url: "user_wallet_log",
 			auth: true,