diff --git a/api/service/userDoctor.go b/api/service/userDoctor.go
index c1dedbe..03885c0 100644
--- a/api/service/userDoctor.go
+++ b/api/service/userDoctor.go
@@ -489,6 +489,16 @@ func (r *UserDoctorService) PutUserDoctor(doctorId int64, req requests.PutUserDo
 			return false, errors.New("银行卡号错误")
 		}
 
+		// 检测银行卡号
+		res, err := verifyDun.CheckBankCard(userDoctorInfo.CardName, req.BankCardCode, userDoctorInfo.CardNum)
+		if err != nil {
+			return false, errors.New(err.Error())
+		}
+
+		if !res {
+			return false, errors.New("银行卡三要素检测失败")
+		}
+
 		// 获取银行卡号的前4位和后4位
 		start := bankCardCode[:4]
 		end := bankCardCode[len(bankCardCode)-4:]
@@ -926,6 +936,16 @@ func (r *UserDoctorService) AddUserDoctor(userId string, req requests.AddUserDoc
 			return false, errors.New("银行卡号错误")
 		}
 
+		// 检测银行卡号
+		res, err := verifyDun.CheckBankCard(req.CardName, req.BankCardCode, req.CardNum)
+		if err != nil {
+			return false, errors.New(err.Error())
+		}
+
+		if !res {
+			return false, errors.New("银行卡三要素检测失败")
+		}
+
 		// 获取银行卡号的前4位和后4位
 		start := req.BankCardCode[:4]
 		end := req.BankCardCode[len(req.BankCardCode)-4:]
diff --git a/config.yaml b/config.yaml
index f3e1b32..479798a 100644
--- a/config.yaml
+++ b/config.yaml
@@ -30,7 +30,7 @@ redis:
 # [jwt]
 jwt:
   sign-key: 123456 # 私钥
-  ttl : 1 # 过期时间 小时
+  ttl : 72 # 过期时间 小时
   algo : HS256 # 加密方式
 
 oss: