feat:文件上传的功能开发

src/main/java/com/yau/digitalrmb/institutionidentity/application/QuotaRequestSourceDataResult.java

@@ -19,7 +19,9 @@ public class QuotaRequestSourceDataResult {
         this.transactionIdentifier = value.getTransactionIdentifier();
     }
 
+
     public BigDecimal getAmount() { return amount; }
     public String getInstitutionIdentifier() { return institutionIdentifier; }
     public String getTransactionIdentifier() { return transactionIdentifier; }
+
 }

src/main/java/com/yau/digitalrmb/institutionidentity/application/StandardCurrencyService.java

@@ -96,21 +96,11 @@ public class StandardCurrencyService {
     }
 
     @Transactional
-    public StandardCurrencyBatchResult confirmRule(String prefix, String idRule, String currencyStatus,
+    public CurrencyIdRuleResult confirmIdRule(InstitutionKeySubject subject, String operator) {
-                                                    InstitutionKeySubject subject, String operator) {
         StandardCurrencyBatchEntity batch = requireLatest(subject);
         if (batch.getDenominationSummary() == null || batch.getTotalAmount() == null) {
             throw new BusinessException(ErrorCode.VALIDATION_ERROR, "请先执行面额拆解");
         }
-        if (!"DC".equals(prefix == null ? null : prefix.trim().toUpperCase())) {
-            throw inputError(subject, "币串前缀必须为DC");
-        }
-        if (!ID_RULE.equals(idRule == null ? null : idRule.trim())) {
-            throw inputError(subject, "币串ID规则必须为“批次号+枚序号+随机校验码”");
-        }
-        if (!"待生效".equals(currencyStatus == null ? null : currencyStatus.trim())) {
-            throw inputError(subject, "币串初始状态必须为“待生效”");
-        }
         int updated = batchMapper.update(null, new LambdaUpdateWrapper<StandardCurrencyBatchEntity>()
                 .eq(StandardCurrencyBatchEntity::getId, batch.getId())
                 .eq(StandardCurrencyBatchEntity::getStatus, batch.getStatus())
@@ -122,7 +112,25 @@ public class StandardCurrencyService {
                 .set(StandardCurrencyBatchEntity::getUpdatedAt, LocalDateTime.now())
                 .set(StandardCurrencyBatchEntity::getUpdatedBy, operator));
         if (updated != 1) throw stateChanged();
-        return result(requireLatest(subject));
+        StandardCurrencyBatchEntity latest = requireLatest(subject);
+        return new CurrencyIdRuleResult("DC", ID_RULE,
+                latest.getBatchNumber(), latest.getTotalCount(), latest.getStatus());
+    }
+
+    @Transactional
+    public StandardCurrencyRuleResult confirmCurrencyRule(InstitutionKeySubject subject, String operator) {
+        StandardCurrencyBatchEntity batch = requireLatest(subject);
+        if (batch.getPrefix() == null || batch.getIdRule() == null) {
+            throw new BusinessException(ErrorCode.VALIDATION_ERROR, "请先确认币串ID生成规则");
+        }
+        // 从步骤八获取真实数据
+        QuotaControlBitEntity step8 = requireStepEight(subject);
+        List<DenominationBreakdownResult> breakdown = decode(batch.getDenominationSummary());
+        BigDecimal firstDenomination = breakdown.isEmpty() ? new BigDecimal("100.00") : breakdown.get(0).getDenomination();
+        return new StandardCurrencyRuleResult(batch.getPrefix(), batch.getCurrencyStatus(),
+                batch.getBatchNumber(), batch.getTotalCount(), batch.getStatus(),
+                firstDenomination, step8.getInstitutionIdentifier(),
+                step8.getBankSignature(), step8.getCentralBankSignatureSegment());
     }
 
     @Transactional

src/main/java/com/yau/digitalrmb/institutionidentity/application/TransactionInformationIdentifierService.java

@@ -143,21 +143,64 @@ public class TransactionInformationIdentifierService {
         return new TransactionIdentifierAssemblyResult(value);
     }
 
-    @Transactional
+//    @Transactional
-    public QuotaRequestSourceDataResult quotaRequestSourceData(InstitutionKeySubject subject) {
+//    public QuotaRequestSourceDataResult quotaRequestSourceData(InstitutionKeySubject subject) {
-        TransactionInformationIdentifier value = repository.findLatestBySubject(subject.getUserId(),
+//        TransactionInformationIdentifier value = repository.findLatestBySubject(subject.getUserId(),
-                subject.getSchoolId(), subject.getClassId()).orElseThrow(() ->
+//                subject.getSchoolId(), subject.getClassId()).orElseThrow(() ->
-                new BusinessException(ErrorCode.VALIDATION_ERROR,
+//                new BusinessException(ErrorCode.VALIDATION_ERROR,
-                        "步骤四尚未完成交易信息标识组装，不能查询步骤五前序数据"));
+//                        "步骤四尚未完成交易信息标识组装，不能查询步骤五前序数据"));
+//        if (value.getStatus().ordinal() < TransactionInformationIdentifier.Status.ASSEMBLED.ordinal()
+//                || value.getTransactionIdentifier() == null
+//                || !value.getTransactionIdentifier().matches("TXN_[0-9A-F]{64}")) {
+//            throw new BusinessException(ErrorCode.VALIDATION_ERROR,
+//                    "步骤四尚未生成交易信息标识，请先完成步骤四");
+//        }
+//        return new QuotaRequestSourceDataResult(value);
+//    }
+//@Transactional(readOnly = true)   // 既然只查询，用 readOnly 优化
+//public QuotaRequestSourceDataResult quotaRequestSourceData(InstitutionKeySubject subject) {
+//    // 1. 尝试查询，查不到则直接返回空结果
+//    TransactionInformationIdentifier value = repository.findLatestBySubject(
+//                    subject.getUserId(), subject.getSchoolId(), subject.getClassId())
+//            .orElse(null);
+//
+//    // 2. 如果查不到，或者状态/标识不满足条件，返回一个“空”结果对象
+//    if (value == null ||
+//            value.getStatus().ordinal() < TransactionInformationIdentifier.Status.ASSEMBLED.ordinal() ||
+//            value.getTransactionIdentifier() == null ||
+//            !value.getTransactionIdentifier().matches("TXN_[0-9A-F]{64}")) {
+//
+//        // 这里返回一个代表“未就绪”的空对象，前端通过检查关键字段（如 transactionIdentifier）是否为 null 来判断
+//        return new QuotaRequestSourceDataResult(null);   // 假设你在 Result 类里增加了 static empty() 方法
+//    }
+//
+//    // 3. 条件满足，正常返回
+//    return new QuotaRequestSourceDataResult(value);
+//}
+@Transactional(readOnly = true)
+
+public QuotaRequestSourceDataResult quotaRequestSourceData(InstitutionKeySubject subject) {
+    TransactionInformationIdentifier value = repository.findLatestBySubject(
+            subject.getUserId(),
+            subject.getSchoolId(),
+            subject.getClassId()
+    ).orElse(null);
+
+    // 无记录 → 返回 null
+    if (value == null) {
+        return null;
+    }
+
+    // 状态或标识不满足条件 → 返回 null
     if (value.getStatus().ordinal() < TransactionInformationIdentifier.Status.ASSEMBLED.ordinal()
             || value.getTransactionIdentifier() == null
             || !value.getTransactionIdentifier().matches("TXN_[0-9A-F]{64}")) {
-            throw new BusinessException(ErrorCode.VALIDATION_ERROR,
+        return null;
-                    "步骤四尚未生成交易信息标识，请先完成步骤四");
-        }
-        return new QuotaRequestSourceDataResult(value);
     }
 
+    // 正常返回
+    return new QuotaRequestSourceDataResult(value);
+}
     @Transactional
     public QuotaRequestDigestResult digestQuotaRequest(String originalText,
                                                        InstitutionKeySubject subject,
@@ -315,17 +358,31 @@ public class TransactionInformationIdentifierService {
         return new QuotaVerificationResult(value);
     }
 
-    @Transactional(readOnly = true)
+//    @Transactional(readOnly = true)
-    public QuotaRequestMessageResult quotaRequestMessageDetail(InstitutionKeySubject subject) {
+//    public QuotaRequestMessageResult quotaRequestMessageDetail(InstitutionKeySubject subject) {
-        return new QuotaRequestMessageResult(requireLatest(subject));
+//        return new QuotaRequestMessageResult(requireLatest(subject));
+//    }
+@Transactional(readOnly = true)
+public QuotaRequestMessageResult quotaRequestMessageDetail(InstitutionKeySubject subject) {
+    TransactionInformationIdentifier value = repository.findLatestBySubject(
+            subject.getUserId(),
+            subject.getSchoolId(),
+            subject.getClassId()
+    ).orElse(null);
+
+    if (value == null) {
+        return null;   // 返回 null，前端收到 data: null，HTTP 200
     }
 
+    return new QuotaRequestMessageResult(value);
+}
     @Transactional(readOnly = true)
     public TransactionInformationIdentifierResult detail(InstitutionKeySubject subject) {
-        TransactionInformationIdentifier value = repository.findLatestBySubject(subject.getUserId(),
+        TransactionInformationIdentifier value = repository.findLatestBySubject(
-                subject.getSchoolId(), subject.getClassId()).orElseThrow(() ->
+                        subject.getUserId(), subject.getSchoolId(), subject.getClassId())
-                new BusinessException(ErrorCode.RESOURCE_NOT_FOUND, "当前没有交易信息标识记录"));
+                .orElse(null);  // 查不到就返回 null
-        return new TransactionInformationIdentifierResult(value);
+        // 注意：这里 value 可能为 null
+        return value != null ? new TransactionInformationIdentifierResult(value) : null;
     }
 
     private CurrencyGenerationVerificationEntity requireCompletedVerification(InstitutionKeySubject subject) {
@@ -378,18 +435,21 @@ public class TransactionInformationIdentifierService {
         return value;
     }
 
+//    private TransactionInformationIdentifier requireLatest(InstitutionKeySubject subject) {
+//        return repository.findLatestBySubject(subject.getUserId(), subject.getSchoolId(), subject.getClassId())
+//                .orElseThrow(() -> new BusinessException(ErrorCode.RESOURCE_NOT_FOUND,
+//                        "当前没有额度请求记录"));
+//    }
         private TransactionInformationIdentifier requireLatest(InstitutionKeySubject subject) {
         return repository.findLatestBySubject(subject.getUserId(), subject.getSchoolId(), subject.getClassId())
-                .orElseThrow(() -> new BusinessException(ErrorCode.RESOURCE_NOT_FOUND,
+                .orElse(null);
-                        "当前没有额度请求记录"));
     }
 
     private TransactionInformationIdentifier requireStatus(InstitutionKeySubject subject,
                                                             TransactionInformationIdentifier.Status status,
                                                             String message) {
         return repository.findLatestBySubjectAndStatus(subject.getUserId(), subject.getSchoolId(),
-                subject.getClassId(), status).orElseThrow(() ->
+                subject.getClassId(), status).orElse(null);
-                new BusinessException(ErrorCode.VALIDATION_ERROR, message));
     }
 
     private BusinessException keyError(InstitutionKeySubject subject, String message) {

src/main/java/com/yau/digitalrmb/institutionidentity/interfaces/dto/CurrencyRuleRequest.java

@@ -1,19 +0,0 @@
-package com.yau.digitalrmb.institutionidentity.interfaces.dto;
-
-import lombok.Getter;
-import lombok.Setter;
-
-import javax.validation.constraints.NotBlank;
-
-@Getter
-@Setter
-public class CurrencyRuleRequest {
-    @NotBlank(message = "币串前缀不能为空")
-    private String prefix;
-
-    @NotBlank(message = "币串ID规则不能为空")
-    private String idRule;
-
-    @NotBlank(message = "币串初始状态不能为空")
-    private String currencyStatus;
-}

src/main/java/com/yau/digitalrmb/institutionidentity/interfaces/rest/StandardCurrencyController.java

@@ -1,12 +1,13 @@
 package com.yau.digitalrmb.institutionidentity.interfaces.rest;
 
+import com.yau.digitalrmb.institutionidentity.application.CurrencyIdRuleResult;
 import com.yau.digitalrmb.institutionidentity.application.DenominationDecompositionResult;
 import com.yau.digitalrmb.institutionidentity.application.InstitutionKeySubject;
 import com.yau.digitalrmb.institutionidentity.application.StandardCurrencyBatchResult;
 import com.yau.digitalrmb.institutionidentity.application.StandardCurrencyListItemResult;
 import com.yau.digitalrmb.institutionidentity.application.StandardCurrencyOperationResult;
+import com.yau.digitalrmb.institutionidentity.application.StandardCurrencyRuleResult;
 import com.yau.digitalrmb.institutionidentity.application.StandardCurrencyService;
-import com.yau.digitalrmb.institutionidentity.interfaces.dto.CurrencyRuleRequest;
 import com.yau.digitalrmb.shared.api.ApiResponse;
 import com.yau.digitalrmb.shared.web.TraceIdFilter;
 import com.yau.digitalrmb.security.context.AuthContextHolder;
@@ -17,12 +18,10 @@ import org.slf4j.MDC;
 import org.springframework.validation.annotation.Validated;
 import org.springframework.web.bind.annotation.GetMapping;
 import org.springframework.web.bind.annotation.PostMapping;
-import org.springframework.web.bind.annotation.RequestBody;
 import org.springframework.web.bind.annotation.RequestMapping;
 import org.springframework.web.bind.annotation.RestController;
 
 import javax.annotation.Resource;
-import javax.validation.Valid;
 import java.util.List;
 
 @Validated
@@ -43,14 +42,22 @@ public class StandardCurrencyController {
                 result.getTotalCount(), result.getBreakdown()), traceId());
     }
 
-    @PostMapping("/steps/confirm-rule")
+    @PostMapping("/steps/confirm-id-rule")
-    @Operation(summary = "确认币串生成规则", description = "校验DC前缀、币串ID规则和待生效初始状态。")
+    @Operation(summary = "确认币串ID生成规则", description = "无需请求体。后端自动设置DC前缀和批次号+枚序号+随机校验码ID规则，返回ID规则明细表（批次号、枚序号、随机校验码、完整币串ID）。")
-    public ApiResponse<StandardCurrencyOperationResult> confirmRule(@Valid @RequestBody CurrencyRuleRequest request) {
+    public ApiResponse<CurrencyIdRuleResult> confirmIdRule() {
         JwtUser user = AuthContextHolder.get();
-        StandardCurrencyBatchResult result = service.confirmRule(request.getPrefix(), request.getIdRule(),
+        CurrencyIdRuleResult result = service.confirmIdRule(
-                request.getCurrencyStatus(), InstitutionKeySubject.from(user), user.getUsername());
+                InstitutionKeySubject.from(user), user.getUsername());
-        return ApiResponse.success(new StandardCurrencyOperationResult(
+        return ApiResponse.success(result, traceId());
-                result.getStatus(), result.getTotalCount()), traceId());
+    }
+
+    @PostMapping("/steps/confirm-currency-rule")
+    @Operation(summary = "确认标准面额币串规则", description = "无需请求体。返回标准面额币串规则明细表（前缀、币串ID、标准面额、机构标识、银行签名段、央行签名段、币串状态），数据从步骤七步骤八动态获取。")
+    public ApiResponse<StandardCurrencyRuleResult> confirmCurrencyRule() {
+        JwtUser user = AuthContextHolder.get();
+        StandardCurrencyRuleResult result = service.confirmCurrencyRule(
+                InstitutionKeySubject.from(user), user.getUsername());
+        return ApiResponse.success(result, traceId());
     }
 
     @PostMapping("/steps/generate")

src/main/java/com/yau/digitalrmb/progress/application/UserStepProgressNewService.java

@@ -64,6 +64,7 @@ public class UserStepProgressNewService {
                 .eq(UserStepProgressNewEntity::getUserId, userId)
                 .eq(UserStepProgressNewEntity::getModuleCode, moduleCode)
                 .eq(UserStepProgressNewEntity::getStepCode, stepCode)
+                        .eq(UserStepProgressNewEntity::getDeleted,0)
                 .last("LIMIT 1"));
     }
 

src/main/java/com/yau/digitalrmb/walletopening/application/WalletOpeningService.java

@@ -4,6 +4,7 @@ import com.yau.digitalrmb.institutionidentity.application.InstitutionKeySubject;
 import com.yau.digitalrmb.institutionidentity.infrastructure.InstitutionIdentifierApplicationEntity;
 import com.yau.digitalrmb.institutionidentity.infrastructure.InstitutionIdentifierApplicationMapper;
 import com.baomidou.mybatisplus.core.conditions.query.LambdaQueryWrapper;
+import com.yau.digitalrmb.security.context.JwtUser;
 import com.yau.digitalrmb.shared.api.ErrorCode;
 import com.yau.digitalrmb.shared.exception.BusinessException;
 import com.yau.digitalrmb.walletopening.domain.BankReceivedApplication;
@@ -29,26 +30,45 @@ public class WalletOpeningService {
     @Resource
     private InstitutionIdentifierApplicationMapper institutionIdentifierMapper;
 
-    @Transactional
+    @Transactional(readOnly = true)
-    public UserWalletPageResult getPage(InstitutionKeySubject subject) {
+    public UserWalletPageResult getPage(InstitutionKeySubject subject, JwtUser jwtUser) {
-        WalletApplication app = findOrCreate(subject);
+        WalletApplication app = walletRepository.findLatest(subject.getUserId(), subject.getSchoolId(), subject.getClassId())
-        refreshCurrentUserInfo(subject, app);
+                .orElseGet(() -> {
+                    // 未创建记录时，返回一个只包含JWT用户信息的临时对象，不保存到数据库
+                    WalletApplication temp = WalletApplication.create(
+                            subject.getUserId(), subject.getSchoolId(), subject.getClassId(),
+                            jwtUser.getUserName(), jwtUser.getPhone());
+                    return temp;
+                });
         return new UserWalletPageResult(app);
     }
 
     @Transactional
-    public FaceRecognitionResult updateFaceRecognition(InstitutionKeySubject subject, int status) {
+    public FaceRecognitionResult updateFaceRecognition(InstitutionKeySubject subject, JwtUser jwtUser, int status) {
-        WalletApplication app = findRequired(subject);
+        WalletApplication app = walletRepository.findLatest(subject.getUserId(), subject.getSchoolId(), subject.getClassId())
-        refreshCurrentUserInfo(subject, app);
+                .orElseGet(() -> {
+                    // 首次人脸识别时创建记录
+                    WalletApplication newApp = WalletApplication.create(
+                            subject.getUserId(), subject.getSchoolId(), subject.getClassId(),
+                            jwtUser.getUserName(), jwtUser.getPhone());
+                    return walletRepository.save(newApp);
+                });
         app.updateFaceRecognition(status);
         walletRepository.update(app);
         return new FaceRecognitionResult(status);
     }
 
     @Transactional
-    public WalletApplicationMessageResult outputApplication(InstitutionKeySubject subject, WalletApplicationRequest request) {
+    public WalletApplicationMessageResult outputApplication(InstitutionKeySubject subject, JwtUser jwtUser, WalletApplicationRequest request) {
-        WalletApplication app = findRequired(subject);
+        WalletApplication app = walletRepository.findLatest(subject.getUserId(), subject.getSchoolId(), subject.getClassId())
-        refreshCurrentUserInfo(subject, app);
+                .orElseGet(() -> {
+                    // 首次输出申请报文时创建记录
+                    WalletApplication newApp = WalletApplication.create(
+                            subject.getUserId(), subject.getSchoolId(), subject.getClassId(),
+                            jwtUser.getUserName(), jwtUser.getPhone());
+                    return walletRepository.save(newApp);
+                });
+
         if (app.getStatus() != null && app.getStatus().ordinal() >= WalletApplication.Status.OUTPUT.ordinal()) {
             throw new BusinessException(ErrorCode.VALIDATION_ERROR, "申请报文已输出，请勿重复操作");
         }
@@ -58,8 +78,11 @@ public class WalletOpeningService {
         if (request.getWalletType() == null || request.getWalletType().trim().isEmpty()) {
             throw new BusinessException(ErrorCode.VALIDATION_ERROR, "请选择数字钱包类型");
         }
+
+        // 输出申请报文时才存储身份证号、银行卡号等敏感信息
         app.fillForm(request.getSelectedBank(), request.getWalletType(), request.getInputPhone(),
-                request.getInputIdNumber(), request.getInputBankCardNumber(), request.getSignaturePhotoPath());
+                request.getInputIdNumber(), request.getInputBankCardNumber(), request.getSignaturePhotoPath(),
+                request.getIdNumber(), request.getAccountBank(), request.getBankCardNumber(), request.getAccountBalance());
 
         String applyTime = LocalDateTime.now().format(TIMESTAMP_FORMAT);
         String applicationId = "APP_" + applyTime;
@@ -72,8 +95,9 @@ public class WalletOpeningService {
     }
 
     @Transactional
-    public WalletSendResult sendApplication(InstitutionKeySubject subject) {
+    public WalletSendResult sendApplication(InstitutionKeySubject subject, JwtUser jwtUser) {
-        WalletApplication app = findRequired(subject);
+        WalletApplication app = walletRepository.findLatest(subject.getUserId(), subject.getSchoolId(), subject.getClassId())
+                .orElseThrow(() -> new BusinessException(ErrorCode.RESOURCE_NOT_FOUND, "钱包申请不存在，请先输出申请报文"));
         if (app.getStatus() == null || app.getStatus().ordinal() < WalletApplication.Status.OUTPUT.ordinal()) {
             throw new BusinessException(ErrorCode.VALIDATION_ERROR, "请先输出申请报文");
         }
@@ -101,31 +125,6 @@ public class WalletOpeningService {
         return new WalletSendResult("已提交");
     }
 
-    private WalletApplication findOrCreate(InstitutionKeySubject subject) {
-        return walletRepository.findLatest(subject.getUserId(), subject.getSchoolId(), subject.getClassId())
-                .orElseGet(() -> walletRepository.save(
-                        WalletApplication.newDraft(subject.getUserId(), subject.getSchoolId(), subject.getClassId(),
-                                subject.getUserName(), subject.getPhone())));
-    }
-
-    private WalletApplication findRequired(InstitutionKeySubject subject) {
-        return walletRepository.findLatest(subject.getUserId(), subject.getSchoolId(), subject.getClassId())
-                .orElseThrow(() -> new BusinessException(ErrorCode.RESOURCE_NOT_FOUND, "钱包申请不存在，请先初始化页面"));
-    }
-
-    private void refreshCurrentUserInfo(InstitutionKeySubject subject, WalletApplication app) {
-        String beforeUserName = app.getUserName();
-        String beforePhone = app.getPhone();
-        app.refreshTokenUserInfo(subject.getUserName(), subject.getPhone());
-        if (!equals(beforeUserName, app.getUserName()) || !equals(beforePhone, app.getPhone())) {
-            walletRepository.update(app);
-        }
-    }
-
-    private boolean equals(String left, String right) {
-        return left == null ? right == null : left.equals(right);
-    }
-
     private String resolveOrgCode(InstitutionKeySubject subject) {
         InstitutionIdentifierApplicationEntity entity = institutionIdentifierMapper.selectOne(
                 new LambdaQueryWrapper<InstitutionIdentifierApplicationEntity>()

src/main/java/com/yau/digitalrmb/walletopening/interfaces/rest/WalletOpeningController.java

@@ -33,30 +33,31 @@ public class WalletOpeningController {
 
     @GetMapping("/page")
     @Operation(summary = "查询用户端钱包开通申请页面数据",
-            description = "返回页面完整数据；首次访问自动创建草稿申请，预填用户信息。尚未完成的阶段字段返回null。")
+            description = "返回页面完整数据，用户名和手机号从JWT token获取；尚未产生的字段返回null。不会自动创建数据库记录。")
     public ApiResponse<UserWalletPageResult> page() {
+        JwtUser jwtUser = AuthContextHolder.get();
         return ApiResponse.success(walletOpeningService.getPage(
-                InstitutionKeySubject.from(AuthContextHolder.get())), traceId());
+                InstitutionKeySubject.from(jwtUser), jwtUser), traceId());
     }
 
     @PostMapping("/face-recognition")
     @Operation(summary = "更新人脸识别状态",
-            description = "前端调用接口修改人脸识别状态。参数1=未成功，2=已成功。")
+            description = "前端调用接口修改人脸识别状态。参数1=未成功，2=已成功。首次调用时自动创建申请记录。")
     public ApiResponse<FaceRecognitionResult> faceRecognition(
             @Valid @RequestBody FaceRecognitionRequest request) {
         JwtUser jwtUser = AuthContextHolder.get();
         return ApiResponse.success(walletOpeningService.updateFaceRecognition(
-                InstitutionKeySubject.from(jwtUser), request.getStatus()), traceId());
+                InstitutionKeySubject.from(jwtUser), jwtUser, request.getStatus()), traceId());
     }
 
     @PostMapping("/output")
     @Operation(summary = "输出申请报文",
-            description = "保存用户填写的表单数据，拼接原始报文并生成JSON申请报文。")
+            description = "保存用户填写的表单数据（包括身份证号、银行卡号等敏感信息），拼接原始报文并生成JSON申请报文。")
     public ApiResponse<WalletApplicationMessageResult> output(
             @Valid @RequestBody WalletApplicationRequest request) {
         JwtUser jwtUser = AuthContextHolder.get();
         return ApiResponse.success(walletOpeningService.outputApplication(
-                InstitutionKeySubject.from(jwtUser), request), traceId());
+                InstitutionKeySubject.from(jwtUser), jwtUser, request), traceId());
     }
 
     @PostMapping("/send")
@@ -65,7 +66,7 @@ public class WalletOpeningController {
     public ApiResponse<WalletSendResult> send() {
         JwtUser jwtUser = AuthContextHolder.get();
         return ApiResponse.success(walletOpeningService.sendApplication(
-                InstitutionKeySubject.from(jwtUser)), traceId());
+                InstitutionKeySubject.from(jwtUser), jwtUser), traceId());
     }
 
     private String traceId() {

src/main/java/com/yau/digitalrmb/walletopening/interfaces/rest/dto/WalletApplicationRequest.java

@@ -5,6 +5,7 @@ import lombok.Getter;
 import lombok.Setter;
 
 import javax.validation.constraints.NotBlank;
+import java.math.BigDecimal;
 
 @Getter
 @Setter
@@ -23,4 +24,12 @@ public class WalletApplicationRequest {
     private String inputBankCardNumber;
     @Schema(description = "面签照片路径", example = "/2026/8/11/5cae82501de84bfba3693477ac55140c.pdf")
     private String signaturePhotoPath;
+    @Schema(description = "身份证号（确认）", example = "110101199001011234")
+    private String idNumber;
+    @Schema(description = "开户银行", example = "中国银行北京分行")
+    private String accountBank;
+    @Schema(description = "银行卡号（确认）", example = "6216610100001234567")
+    private String bankCardNumber;
+    @Schema(description = "账户余额", example = "500000.00")
+    private BigDecimal accountBalance;
 }