diff --git a/api/service/userDoctor.go b/api/service/userDoctor.go
index b90904f..feb1d4f 100644
--- a/api/service/userDoctor.go
+++ b/api/service/userDoctor.go
@@ -184,27 +184,6 @@ func (r *UserDoctorService) PutUserDoctor(doctorId int64, req requests.PutUserDo
 		}
 	}
 
-	// 修改科室数据，重新认定为未审核
-	if userDoctor.DepartmentCustomId != departmentCustomId {
-		// 检测是否存在正在审核中的处方
-		orderPrescriptionDao := dao.OrderPrescriptionDao{}
-
-		maps := make(map[string]interface{})
-		maps["doctor_id"] = doctorId
-		maps["prescription_status"] = 1
-		orderPrescription, err := orderPrescriptionDao.GetList(maps)
-		if err != nil {
-			return false, errors.New("修改失败")
-		}
-
-		if len(orderPrescription) > 0 {
-			return false, errors.New("存在审核中的处方，请勿修改科室数据")
-		}
-
-		userDoctorData["multi_point_status"] = 2
-		userDoctorData["multi_point_fail_reason"] = ""
-	}
-
 	// 处理科室电话
 	if userDoctor.DepartmentCustomMobile != req.DepartmentCustomMobile {
 		userDoctorData["department_custom_id"] = req.DepartmentCustomMobile
@@ -312,7 +291,6 @@ func (r *UserDoctorService) PutUserDoctor(doctorId int64, req requests.PutUserDo
 	if userDoctorInfo.IdCardFront != "" && req.IdCardFront == "" {
 		return false, errors.New("未上传新的身份证图片")
 	}
-
 	if req.IdCardFront != "" {
 		idCardFront := strings.Replace(req.IdCardFront, "https://img.applets.igandanyiyuan.com", "", 1)
 		if idCardFront != userDoctorInfo.IdCardFront {
@@ -385,6 +363,29 @@ func (r *UserDoctorService) PutUserDoctor(doctorId int64, req requests.PutUserDo
 		}
 	}
 
+	// 处理多点状态
+	if userDoctor.DepartmentCustomId != departmentCustomId {
+		if req.SignImage != "" && req.IdCardBack != "" && req.IdCardFront != "" {
+			// 检测是否存在正在审核中的处方
+			orderPrescriptionDao := dao.OrderPrescriptionDao{}
+
+			maps := make(map[string]interface{})
+			maps["doctor_id"] = doctorId
+			maps["prescription_status"] = 1
+			orderPrescription, err := orderPrescriptionDao.GetList(maps)
+			if err != nil {
+				return false, errors.New("修改失败")
+			}
+
+			if len(orderPrescription) > 0 {
+				return false, errors.New("存在审核中的处方，请勿修改科室数据")
+			}
+
+			userDoctorData["multi_point_status"] = 2
+			userDoctorData["multi_point_fail_reason"] = ""
+		}
+	}
+
 	// 处理银行卡
 	if (userDoctorInfo.IdCardFront != "" || req.IdCardFront != "") && (userDoctorInfo.IdCardBack != "" || req.IdCardBack != "") && (userDoctorInfo.SignImage != "" || req.SignImage != "") {
 		// 签名、身份证数据不为空的情况下，银行卡数据必填
@@ -520,17 +521,14 @@ func (r *UserDoctorService) PutUserDoctor(doctorId int64, req requests.PutUserDo
 	}
 
 	// 处理医生详情数据
-	if userDoctorInfo == nil {
-		// 新增医生详情表
-		if len(userDoctorInfoData) != 0 {
+	if len(userDoctorInfoData) != 0 {
+		if userDoctorInfo == nil {
 			userDoctorInfo, err := userDoctorInfoDao.AddUserDoctorInfoByMap(tx, userDoctorInfoData)
 			if userDoctorInfo == nil || err != nil {
 				tx.Rollback()
 				return false, errors.New("修改失败")
 			}
-		}
-	} else {
-		if len(userDoctorInfoData) != 0 {
+		} else {
 			err = userDoctorInfoDao.EditUserDoctorInfoById(tx, userDoctorInfo.DoctorInfoId, userDoctorInfoData)
 			if err != nil {
 				tx.Rollback()
@@ -611,7 +609,9 @@ func (r *UserDoctorService) PutUserDoctor(doctorId int64, req requests.PutUserDo
 				return false, errors.New(err.Error())
 			}
 		}
-	} else {
+	}
+
+	if doctorBankCard != nil {
 		// 修改
 		doctorBankCardData := make(map[string]interface{}) // 医生银行卡数据
 		if bankId != 0 {
@@ -674,7 +674,7 @@ func (r *UserDoctorService) PutUserDoctor(doctorId int64, req requests.PutUserDo
 				return false, errors.New("修改失败")
 			}
 
-			if userCaCerts != nil && len(userCaCerts) > 0 {
+			if len(userCaCerts) > 0 {
 				userCaCert := userCaCerts[0]
 				// 检测是否已经添加签章配置
 				if userCaCert.IsSignConfig == 1 {
diff --git a/extend/verifyDun/bankCard.go b/extend/verifyDun/bankCard.go
index ac779ed..e17ea61 100644
--- a/extend/verifyDun/bankCard.go
+++ b/extend/verifyDun/bankCard.go
@@ -1,5 +1,16 @@
 package verifyDun
 
+import (
+	"encoding/json"
+	"errors"
+	"io"
+	"net/http"
+	"net/url"
+	"strconv"
+	"strings"
+	"time"
+)
+
 // 请求返回值
 type bankCardResultResponseData struct {
 	Code   int            `json:"code"`   // 接口调用状态。200：正常；其它值：调用出错
@@ -16,5 +27,63 @@ type bankCardResult struct {
 
 // CheckBankCard 银行卡三/四要素认证
 func CheckBankCard(name, bankCardNo, idCardNo string) (bool, error) {
-	return false, nil
+	formData := url.Values{}
+	formData.Set("name", name)
+	formData.Set("bankCardNo", bankCardNo)
+	formData.Set("idCardNo", idCardNo)
+	formData.Set("secretId", secretId)
+	formData.Set("businessId", "3cb726bd85104161b25613153c4fba7c")
+	formData.Set("version", "v1")
+	formData.Set("timestamp", strconv.FormatInt(time.Now().UnixNano()/1000000, 10))
+	formData.Set("nonce", string(make([]byte, 32)))
+	formData.Set("signature", GenSignature(formData))
+
+	resp, err := http.Post(apiUrl+"/"+version+"/bankcard/check", "application/x-www-form-urlencoded", strings.NewReader(formData.Encode()))
+	if err != nil {
+		return false, errors.New("调用API接口失败:" + err.Error())
+	}
+
+	defer func(Body io.ReadCloser) {
+		_ = Body.Close()
+	}(resp.Body)
+
+	body, err := io.ReadAll(resp.Body)
+	if err != nil {
+		return false, err
+	}
+
+	var responseData idCardResponseData
+	err = json.Unmarshal(body, &responseData)
+	if err != nil {
+		// json解析失败
+		return false, err
+	}
+
+	if responseData.Code != 200 {
+		if responseData.Msg != "" {
+			return false, errors.New(responseData.Msg)
+		} else {
+			return false, errors.New("身份证认证失败")
+		}
+	}
+
+	if responseData.Result.Status == 2 {
+		if responseData.Result.ReasonType == 2 {
+			return false, errors.New("持卡人信息与输入信息不一致")
+		} else if responseData.Result.ReasonType == 3 {
+			return false, errors.New("查无此银行卡")
+		} else if responseData.Result.ReasonType == 4 {
+			return false, errors.New("查无此身份证")
+		} else if responseData.Result.ReasonType == 5 {
+			return false, errors.New("手机号码格式不正确")
+		} else if responseData.Result.ReasonType == 6 {
+			return false, errors.New("银行卡号不正确")
+		} else if responseData.Result.ReasonType == 7 {
+			return false, errors.New("其他出错，请联系客服")
+		} else {
+			return false, errors.New("银行卡认证失败")
+		}
+	}
+
+	return true, nil
 }