diff --git a/sa-admin/src/main/java/net/lab1024/sa/admin/extend/fangxinqian/personal/Personal.java b/sa-admin/src/main/java/net/lab1024/sa/admin/extend/fangxinqian/personal/Personal.java
index 269b6fc..a135ab1 100644
--- a/sa-admin/src/main/java/net/lab1024/sa/admin/extend/fangxinqian/personal/Personal.java
+++ b/sa-admin/src/main/java/net/lab1024/sa/admin/extend/fangxinqian/personal/Personal.java
@@ -31,6 +31,21 @@ public class Personal extends Base {
                 return result;
             }
 
+            // 实名认证失败-切换为银行卡四要素认证
+            if (result.getCode() == 50008){
+                r.setAuthType("2");
+
+                jsonBody = JSONUtil.toJsonStr(r);
+                log.info("获取app数据参数:{}",jsonBody);
+                response =  postJson(url,jsonBody,null);
+                result = JSONUtil.toBean(response, RegisterResponse.class);
+                if (result.getCode() != 10000) {
+                    if (result.getCode() == 50005) {
+                        return result;
+                    }
+                }
+            }
+
             if (!Objects.equals(result.getMessage(), "")){
                 throw new BusinessException(result.getMessage());
             }else{
diff --git a/sa-admin/src/main/java/net/lab1024/sa/admin/extend/fangxinqian/personal/RegisterRequest.java b/sa-admin/src/main/java/net/lab1024/sa/admin/extend/fangxinqian/personal/RegisterRequest.java
index 4e3a57c..3cc056c 100644
--- a/sa-admin/src/main/java/net/lab1024/sa/admin/extend/fangxinqian/personal/RegisterRequest.java
+++ b/sa-admin/src/main/java/net/lab1024/sa/admin/extend/fangxinqian/personal/RegisterRequest.java
@@ -38,4 +38,10 @@ public class RegisterRequest {
      * 1：允许（默认）
      */
     private String allowModify = "0";
+
+    /**
+     * 银行卡号
+     * 当实名认证方式设置为2时必传
+     */
+    private String bankCardNo;
 }
diff --git a/sa-admin/src/main/java/net/lab1024/sa/admin/module/app/expert/service/ExpertFxqService.java b/sa-admin/src/main/java/net/lab1024/sa/admin/module/app/expert/service/ExpertFxqService.java
index 7f9e877..a622098 100644
--- a/sa-admin/src/main/java/net/lab1024/sa/admin/module/app/expert/service/ExpertFxqService.java
+++ b/sa-admin/src/main/java/net/lab1024/sa/admin/module/app/expert/service/ExpertFxqService.java
@@ -160,6 +160,7 @@ public class ExpertFxqService {
                 r.setName(casePlatformBank.getIdCardName());
                 r.setMobile(expert.getMobile());
                 r.setIdentNo(casePlatformBank.getIdCardNo());
+                r.setBankCardNo(casePlatformBank.getBankCardNo());
                 RegisterResponse personalRegister = personal.register(r);
 
                 String unionId = "";