diff --git a/src/main/java/com/yau/digitalrmb/shared/wallet/WalletPrerequisiteProjectionService.java b/src/main/java/com/yau/digitalrmb/shared/wallet/WalletPrerequisiteProjectionService.java
index 9162bc3..dad57ca 100644
--- a/src/main/java/com/yau/digitalrmb/shared/wallet/WalletPrerequisiteProjectionService.java
+++ b/src/main/java/com/yau/digitalrmb/shared/wallet/WalletPrerequisiteProjectionService.java
@@ -91,9 +91,12 @@ public class WalletPrerequisiteProjectionService {
         Activation activation = activations.get(0);
 
         List<Application> applications = jdbc.query(
-                "SELECT COALESCE(account_bank,selected_bank) bank_name,bank_card_number,account_balance,wallet_type " +
+                "SELECT COALESCE(account_bank,selected_bank) bank_name," +
+                        "COALESCE(NULLIF(TRIM(input_bank_card_number),''),bank_card_number) bank_card_number," +
+                        "account_balance,wallet_type " +
                         "FROM wallet_application WHERE user_id=? AND school_id=? AND class_id=? " +
-                        "AND status='SUBMITTED' AND deleted=FALSE AND bank_card_number IS NOT NULL " +
+                        "AND status='SUBMITTED' AND deleted=FALSE " +
+                        "AND COALESCE(NULLIF(TRIM(input_bank_card_number),''),bank_card_number) IS NOT NULL " +
                         "AND account_balance IS NOT NULL AND COALESCE(account_bank,selected_bank) IS NOT NULL " +
                         "ORDER BY created_at DESC LIMIT 1",
                 (rs, row) -> new Application(rs.getString("bank_name"), rs.getString("bank_card_number"),
diff --git a/src/test/java/com/yau/digitalrmb/shared/wallet/WalletPrerequisiteProjectionServiceTest.java b/src/test/java/com/yau/digitalrmb/shared/wallet/WalletPrerequisiteProjectionServiceTest.java
index d5ba861..38efd22 100644
--- a/src/test/java/com/yau/digitalrmb/shared/wallet/WalletPrerequisiteProjectionServiceTest.java
+++ b/src/test/java/com/yau/digitalrmb/shared/wallet/WalletPrerequisiteProjectionServiceTest.java
@@ -78,6 +78,31 @@ class WalletPrerequisiteProjectionServiceTest {
         assertThat(encrypted).isNotEqualTo(keyPair.getPrivateKey());
     }
 
+    @Test
+    void userEnteredCardNumberTakesPrecedenceOverInvalidProfileCardNumber() {
+        seedCompleted();
+        String enteredCardNumber = "6216610100007654321";
+        jdbc.update("UPDATE wallet_application SET input_bank_card_number=?,bank_card_number=NULL WHERE user_id=?",
+                enteredCardNumber, SUBJECT_USER);
+
+        service.ensureForSubject(subject());
+
+        assertThat(jdbc.queryForObject("SELECT card_number FROM simulated_bank_account WHERE user_id=?",
+                String.class, SUBJECT_USER)).isEqualTo(enteredCardNumber);
+    }
+
+    @Test
+    void invalidEnteredAndProfileCardNumbersAreRejected() {
+        seedCompleted();
+        jdbc.update("UPDATE wallet_application SET input_bank_card_number='',bank_card_number='123' WHERE user_id=?",
+                SUBJECT_USER);
+
+        assertThatThrownBy(() -> service.ensureForSubject(subject()))
+                .isInstanceOf(BusinessException.class)
+                .hasMessageContaining("个人数字钱包开通");
+        assertThat(count("simulated_bank_account", "user_id", SUBJECT_USER)).isZero();
+    }
+
     @Test
     void repeatedProjectionDoesNotOverwriteMutableRuntimeStateOrModuleThreeFacts() {
         seedCompleted();
diff --git a/src/test/resources/schema.sql b/src/test/resources/schema.sql
index 5adb6e9..c16904b 100644
--- a/src/test/resources/schema.sql
+++ b/src/test/resources/schema.sql
@@ -536,6 +536,7 @@ CREATE TABLE IF NOT EXISTS wallet_application (
     phone VARCHAR(20),
     input_phone VARCHAR(20),
     input_id_number VARCHAR(20),
+    input_bank_card_number VARCHAR(30),
     account_bank VARCHAR(100),
     bank_card_number VARCHAR(30),
     account_balance DECIMAL(20,2),