diff --git a/smart-switch-ruoyi/smart-switch-common/src/main/java/com/ruoyi/common/pay/yst/domain/BizParameter.java b/smart-switch-ruoyi/smart-switch-common/src/main/java/com/ruoyi/common/pay/yst/domain/BizParameter.java
index f8e8c79b..a624965e 100644
--- a/smart-switch-ruoyi/smart-switch-common/src/main/java/com/ruoyi/common/pay/yst/domain/BizParameter.java
+++ b/smart-switch-ruoyi/smart-switch-common/src/main/java/com/ruoyi/common/pay/yst/domain/BizParameter.java
@@ -33,4 +33,10 @@ public class BizParameter extends JSONObject
     {
         this.put(paramName, paramValue);
     }
+
+    public void addParamNoNull(String paramName, Object paramValue) {
+        if (paramValue != null) {
+            this.put(paramName, paramValue);
+        }
+    }
 }
diff --git a/smart-switch-ruoyi/smart-switch-common/src/main/java/com/ruoyi/common/pay/yst/domain/params/AddOrderParam.java b/smart-switch-ruoyi/smart-switch-common/src/main/java/com/ruoyi/common/pay/yst/domain/params/AddOrderParam.java
deleted file mode 100644
index dac8ce06..00000000
--- a/smart-switch-ruoyi/smart-switch-common/src/main/java/com/ruoyi/common/pay/yst/domain/params/AddOrderParam.java
+++ /dev/null
@@ -1,10 +0,0 @@
-package com.ruoyi.common.pay.yst.domain.params;
-
-/**
- * 消费申请 参数
- * @author wjh
- * 2024/8/1
- */
-public class AddOrderParam {
-
-}
diff --git a/smart-switch-ruoyi/smart-switch-common/src/main/java/com/ruoyi/common/pay/yst/domain/params/PersonRealNameAndBindCardApplyParam.java b/smart-switch-ruoyi/smart-switch-common/src/main/java/com/ruoyi/common/pay/yst/domain/params/PersonRealNameAndBindCardApplyParam.java
new file mode 100644
index 00000000..7de7552d
--- /dev/null
+++ b/smart-switch-ruoyi/smart-switch-common/src/main/java/com/ruoyi/common/pay/yst/domain/params/PersonRealNameAndBindCardApplyParam.java
@@ -0,0 +1,69 @@
+package com.ruoyi.common.pay.yst.domain.params;
+
+import com.ruoyi.common.pay.yst.enums.YstCertType;
+import lombok.Builder;
+import lombok.Data;
+
+/**
+ * 个人会员实名及绑卡（申请）参数
+ * @author wjh
+ * 2024/8/3
+ */
+@Data
+@Builder
+public class PersonRealNameAndBindCardApplyParam {
+
+    /**
+     * 会员编号
+     */
+    private String signNum;
+
+    /**
+     * 会员角色
+     */
+    private String memberRole;
+
+    /**
+     * 证件类型
+     */
+    private String certType;
+
+    /**
+     * 证件号码
+     */
+    private String certNum;
+
+    /**
+     * 姓名
+     */
+    private String name;
+
+    /**
+     * 银行预留手机号
+     */
+    private String phone;
+
+    /**
+     * 银行卡号
+     */
+    private String acctNum;
+
+    /**
+     * 绑卡方式
+     */
+    private String bindType;
+
+    /**
+     * 针对信用卡
+     * 有效期（月年）
+     * 格式为月年；如0321，2位月2位年
+     */
+    private String validDate;
+
+    /**
+     * 针对信用卡
+     * cvv2
+     */
+    private String cvv2;
+
+ }
diff --git a/smart-switch-ruoyi/smart-switch-common/src/main/java/com/ruoyi/common/pay/yst/enums/YstBindType.java b/smart-switch-ruoyi/smart-switch-common/src/main/java/com/ruoyi/common/pay/yst/enums/YstBindType.java
new file mode 100644
index 00000000..151b4317
--- /dev/null
+++ b/smart-switch-ruoyi/smart-switch-common/src/main/java/com/ruoyi/common/pay/yst/enums/YstBindType.java
@@ -0,0 +1,21 @@
+package com.ruoyi.common.pay.yst.enums;
+
+import lombok.AllArgsConstructor;
+import lombok.Getter;
+
+/**
+ * @author wjh
+ * 2024/8/3
+ */
+@Getter
+@AllArgsConstructor
+public enum YstBindType {
+
+    TLT("通联通协议支付签约", "6"),
+    SYB("收银宝快捷支付签约", "7"),
+    BANK_CARD4("银行卡四要素验证", "8");
+
+    private final String name;
+    private final String type;
+
+}
diff --git a/smart-switch-ruoyi/smart-switch-common/src/main/java/com/ruoyi/common/pay/yst/service/YstAccountService.java b/smart-switch-ruoyi/smart-switch-common/src/main/java/com/ruoyi/common/pay/yst/service/YstAccountService.java
index 881b5aff..25a59396 100644
--- a/smart-switch-ruoyi/smart-switch-common/src/main/java/com/ruoyi/common/pay/yst/service/YstAccountService.java
+++ b/smart-switch-ruoyi/smart-switch-common/src/main/java/com/ruoyi/common/pay/yst/service/YstAccountService.java
@@ -1,5 +1,7 @@
 package com.ruoyi.common.pay.yst.service;
 
+import com.ruoyi.common.pay.yst.domain.params.PersonRealNameAndBindCardApplyParam;
+
 /**
  * 云商通账户接口
  * @author wjh
@@ -10,6 +12,6 @@ public interface YstAccountService {
     /**
      * 个人会员实名及绑卡（申请）
      */
-    void personRealNameAndBindCardApply();
+    void personRealNameAndBindCardApply(PersonRealNameAndBindCardApplyParam param);
 
 }
diff --git a/smart-switch-ruoyi/smart-switch-common/src/main/java/com/ruoyi/common/pay/yst/service/impl/YstAccountServiceImpl.java b/smart-switch-ruoyi/smart-switch-common/src/main/java/com/ruoyi/common/pay/yst/service/impl/YstAccountServiceImpl.java
index 275942d1..a2f2cd92 100644
--- a/smart-switch-ruoyi/smart-switch-common/src/main/java/com/ruoyi/common/pay/yst/service/impl/YstAccountServiceImpl.java
+++ b/smart-switch-ruoyi/smart-switch-common/src/main/java/com/ruoyi/common/pay/yst/service/impl/YstAccountServiceImpl.java
@@ -1,6 +1,17 @@
 package com.ruoyi.common.pay.yst.service.impl;
 
+import com.ruoyi.common.exception.ServiceException;
+import com.ruoyi.common.pay.yst.config.YstConfig;
+import com.ruoyi.common.pay.yst.constants.YstApi;
+import com.ruoyi.common.pay.yst.constants.YstTransCode;
+import com.ruoyi.common.pay.yst.domain.BizParameter;
+import com.ruoyi.common.pay.yst.domain.params.PersonRealNameAndBindCardApplyParam;
 import com.ruoyi.common.pay.yst.service.YstAccountService;
+import com.ruoyi.common.pay.yst.util.SM4Utils;
+import com.ruoyi.common.pay.yst.util.YstClient;
+import com.ruoyi.common.utils.SnowFlakeUtil;
+import org.apache.commons.lang3.StringUtils;
+import org.springframework.beans.factory.annotation.Autowired;
 import org.springframework.stereotype.Service;
 
 /**
@@ -9,11 +20,42 @@ import org.springframework.stereotype.Service;
  */
 @Service
 public class YstAccountServiceImpl implements YstAccountService {
+
+    @Autowired
+    private YstClient client;
+
+    @Autowired
+    private YstConfig config;
+
     /**
      * 个人会员实名及绑卡（申请）
      */
     @Override
-    public void personRealNameAndBindCardApply() {
+    public void personRealNameAndBindCardApply(PersonRealNameAndBindCardApplyParam param) {
+        try {
+
+            // 组装参数
+            BizParameter bizParameter = new BizParameter();
+            // 发送请求
+            bizParameter.addParam("reqTraceNum", String.valueOf(SnowFlakeUtil.newId()));
+            bizParameter.addParam("signNum", param.getSignNum());
+            bizParameter.addParam("memberRole", param.getMemberRole());
+            bizParameter.addParam("cerType", param.getCertType());
+
+            bizParameter.addParam("cerNum", SM4Utils.encryptEcb(config.getSecretKey(),param.getCertNum()));
+            bizParameter.addParam("name",param.getName());
+            bizParameter.addParam("acctNum",  SM4Utils.encryptEcb(config.getSecretKey(),param.getAcctNum()));
+
+            bizParameter.addParam("phone",param.getPhone());
+            bizParameter.addParam("bindType",param.getBindType());//6-通联通协议支付，7-收银宝快捷，8-银行卡四要素
+
+            bizParameter.addParam("validDate",param.getValidDate());
+            bizParameter.addParam("cvv2",param.getCvv2());
+            bizParameter.addParam("bizOrderCode",String.valueOf(System.currentTimeMillis()));
+            client.sendRequest(YstApi.TM, YstTransCode.INDIVIDUAL_MEMBER_REAL_NAME_AND_BIND_CARD_APPLY, bizParameter, String.class);
+        } catch (Exception e) {
+            throw new ServiceException(e.getMessage());
+        }
 
     }
 }
diff --git a/smart-switch-ruoyi/smart-switch-common/src/main/java/com/ruoyi/common/pay/yst/service/impl/YstPayServiceImpl.java b/smart-switch-ruoyi/smart-switch-common/src/main/java/com/ruoyi/common/pay/yst/service/impl/YstPayServiceImpl.java
index 0d9b939a..21bcc817 100644
--- a/smart-switch-ruoyi/smart-switch-common/src/main/java/com/ruoyi/common/pay/yst/service/impl/YstPayServiceImpl.java
+++ b/smart-switch-ruoyi/smart-switch-common/src/main/java/com/ruoyi/common/pay/yst/service/impl/YstPayServiceImpl.java
@@ -6,7 +6,6 @@ import com.ruoyi.common.pay.yst.constants.YstTransCode;
 import com.ruoyi.common.pay.yst.domain.BizParameter;
 import com.ruoyi.common.pay.yst.domain.YstResponse;
 import com.ruoyi.common.pay.yst.domain.bizRes.comsumptionApply.ConsumptionApplyRes;
-import com.ruoyi.common.pay.yst.domain.params.AddOrderParam;
 import com.ruoyi.common.pay.yst.service.YstPayService;
 import com.ruoyi.common.pay.yst.util.SM4Utils;
 import com.ruoyi.common.pay.yst.util.YstClient;
diff --git a/smart-switch-service/src/main/java/com/ruoyi/ss/store/mapper/StoreMapper.xml b/smart-switch-service/src/main/java/com/ruoyi/ss/store/mapper/StoreMapper.xml
index afc9743f..a7e1d487 100644
--- a/smart-switch-service/src/main/java/com/ruoyi/ss/store/mapper/StoreMapper.xml
+++ b/smart-switch-service/src/main/java/com/ruoyi/ss/store/mapper/StoreMapper.xml
@@ -64,6 +64,12 @@ PUBLIC "-//mybatis.org//DTD Mapper 3.0//EN"
                 #{item}
             </foreach>
         </if>
+        <if test="userIds != null and userIds.size() > 0">
+            and ss.user_id in
+            <foreach collection="userIds" close=")" item="item" open="(" separator=",">
+                #{item}
+            </foreach>
+        </if>
     </sql>
 
     <select id="selectSmStoreList" parameterType="StoreQuery" resultMap="SmStoreResult">
diff --git a/smart-switch-service/src/main/java/com/ruoyi/ss/transactionBill/mapper/TransactionBillMapper.xml b/smart-switch-service/src/main/java/com/ruoyi/ss/transactionBill/mapper/TransactionBillMapper.xml
index 175cd86b..746e9a58 100644
--- a/smart-switch-service/src/main/java/com/ruoyi/ss/transactionBill/mapper/TransactionBillMapper.xml
+++ b/smart-switch-service/src/main/java/com/ruoyi/ss/transactionBill/mapper/TransactionBillMapper.xml
@@ -242,6 +242,7 @@ PUBLIC "-//mybatis.org//DTD Mapper 3.0//EN"
         <where>
             <include refid="searchCondition"/>
         </where>
+        order by stb.create_time desc
     </select>
 
     <select id="selectWithdrawById" resultMap="SmTransactionBillResult">
diff --git a/smart-switch-service/src/main/java/com/ruoyi/ss/transactionBill/service/impl/TransactionBillServiceImpl.java b/smart-switch-service/src/main/java/com/ruoyi/ss/transactionBill/service/impl/TransactionBillServiceImpl.java
index ca7bb4d7..11a47c0d 100644
--- a/smart-switch-service/src/main/java/com/ruoyi/ss/transactionBill/service/impl/TransactionBillServiceImpl.java
+++ b/smart-switch-service/src/main/java/com/ruoyi/ss/transactionBill/service/impl/TransactionBillServiceImpl.java
@@ -497,6 +497,12 @@ public class TransactionBillServiceImpl implements TransactionBillService {
         data.setPayPicture(dto.getPayPicture());
         data.setWithdrawType(dto.getWithdrawType());
         data.setOfflineImage(dto.getOfflineImage());
+
+        // 线下打款并且状态为已打款，则修改支付时间为当前
+        if (WithdrawType.OFFLINE.getType().equals(dto.getWithdrawType()) && TransactionBillStatus.WITHDRAW_SUCCESS.equals(status)) {
+            data.setPayTime(DateUtils.getNowDate());
+        }
+
         TransactionBillQuery query = new TransactionBillQuery();
         query.setBillId(dto.getBillId());
         query.setType(TransactionBillType.WITHDRAW.getType());
diff --git a/smart-switch-web/src/main/java/com/ruoyi/web/controller/ss/SmUserController.java b/smart-switch-web/src/main/java/com/ruoyi/web/controller/ss/SmUserController.java
index 6f44e016..d6d92e36 100644
--- a/smart-switch-web/src/main/java/com/ruoyi/web/controller/ss/SmUserController.java
+++ b/smart-switch-web/src/main/java/com/ruoyi/web/controller/ss/SmUserController.java
@@ -4,10 +4,8 @@ import java.util.Arrays;
 import java.util.Collections;
 import java.util.List;
 import javax.servlet.http.HttpServletResponse;
-import javax.validation.Valid;
 
 import com.ruoyi.common.core.domain.ValidGroup;
-import com.ruoyi.common.utils.ServiceUtil;
 import com.ruoyi.ss.user.domain.SmUserQuery;
 import com.ruoyi.ss.user.domain.SmUserVo;
 import com.ruoyi.ss.user.service.UserAssembler;