diff --git a/app/Controller/Payment/PayController.php b/app/Controller/Payment/PayController.php
index 97dfcfd..b824a57 100644
--- a/app/Controller/Payment/PayController.php
+++ b/app/Controller/Payment/PayController.php
@@ -40,10 +40,9 @@ class PayController extends AbstractController
         return $this->success($data);
     }
 
-    public function protocolPayPreRequest(RequestInterface $request)
+    public function bindCardPay(RequestInterface $request)
     {
-        $data = $this->paymentService->protocolPayPreRequest($request->all());
-        return $this->success($data);
+        
     }
 
     public function protocolPayConfirm(RequestInterface $request)
diff --git a/app/Helper/Baofu/ApiList.php b/app/Helper/Baofu/ApiList.php
index bb68ffe..4626dad 100644
--- a/app/Helper/Baofu/ApiList.php
+++ b/app/Helper/Baofu/ApiList.php
@@ -40,6 +40,11 @@ class ApiList
             'url' => '/api/order/v3.0.0/assurePaymentSplit',
             'signParams' => 'orgNo|merchantNo|terminalNo|loginNo|requestDate|outOrderNo|amount|paidType|splitInfoList',
         ],
+        'paymentSplit' => [
+            'description' => '个人支付-余额和卡',
+            'url' => '/api/order/v3.0.0/paymentSplitApi',
+            'signParams' => 'orgNo|merchantNo|terminalNo|loginNo|requestDate|outOrderNo|amount|paidType|splitInfoList',
+        ],
         'payment' => [
             'description' => '个人担保支付-聚合支付',
             'url' => '/api/wallet/v3.0.0/payment',
diff --git a/app/Helper/Baofu/Baofu.php b/app/Helper/Baofu/Baofu.php
index 6b26e7a..3131ea9 100644
--- a/app/Helper/Baofu/Baofu.php
+++ b/app/Helper/Baofu/Baofu.php
@@ -43,7 +43,7 @@ class Baofu
         $data = [];
         $data['loginNo'] = $loginNo;
         $data['dataContent'] = NotifyList::getNotifyUrl('cardBind', $token);
-        return $this->h5('cardBind', $data);
+        return $this->h5('cardBind', $data, $token);
     }
 
     public function cardUnbind($loginNo, $agreementNo, $requestNo = '')
@@ -77,7 +77,7 @@ class Baofu
         return $this->withReturnUrl($this->api($params['notifyUrl'], $data), $returnUrl);
     }
 
-    public function assurePaymentSplit($params, $returnUrl = 'assurePaymentSplit')
+    public function assurePaymentSplit($params, $token)
     {
         $data = [];
         $data['loginNo'] = $params['loginNo'];
@@ -89,7 +89,21 @@ class Baofu
         $data['expireDate'] = date('YmdHis', time() + 15*60);
         $data['validDate'] = date('Ymd');
         $data['notifyUrl'] = $params['notifyUrl'];
-        return $this->withReturnUrl($this->api('assurePaymentSplit', $data), $returnUrl, ['oid' => $params['oid']]);
+        return $this->withReturnUrl($this->api('assurePaymentSplit', $data), $token);
+    }
+
+    public function paymentSplit($params, $token)
+    {
+        $data = [];
+        $data['loginNo'] = $params['loginNo'];
+        $data['amount'] = $params['amount'];
+        $data['outOrderNo'] = $params['outOrderNo'];
+        $data['paidType'] = $params['paidType'] ?: 'CARD';
+        $data['agreementNo'] = Rsa::encryptByCERFile($params['agreementNo'], $this->getCerFilePath());
+        $data['splitInfoList'] = json_encode($params['splitInfoList']);
+        $data['pwdPayExpTime'] = time() + 15*60;
+        $data['notifyUrl'] = $params['notifyUrl'];
+        return $this->withReturnUrl($this->api('paymentSplitApi', $data), $token);
     }
 
     public function unifyPay($params){
diff --git a/app/Helper/Baofu/Common.php b/app/Helper/Baofu/Common.php
index 4d83b6e..150aab5 100644
--- a/app/Helper/Baofu/Common.php
+++ b/app/Helper/Baofu/Common.php
@@ -114,16 +114,16 @@ trait Common
         return $this->withReturnUrl($this->parseResponse($response, 'h5'), $token);
     }
 
-    private function api($apiName, $data)
+    private function api($apiName, $data, $token = null)
     {
         $apiItem = ApiList::get($apiName);
         if (is_null($apiItem)) {
             throw new BusinessException('未定义API接口');
         }
-        if ($apiName == 'mEnterpriseUnbindCard'|| $apiName == 'EnterpriseUnbindCard') {
+        if ($apiName == 'EnterpriseUnbindCard') {
             $response = $this->post($data, $apiItem, 'json');
             $res = $this->parseResponse($response, 'api');
-            return $this->withReturnUrl($res['checkPwdUrl'], $apiName);
+            return $this->withReturnUrl($res['checkPwdUrl'], $token);
         }else{
             $response = $this->post($data, $apiItem, 'json');
             return $this->parseResponse($response, 'api');
diff --git a/app/Service/PaymentService.php b/app/Service/PaymentService.php
index b6f3f76..90b0f24 100644
--- a/app/Service/PaymentService.php
+++ b/app/Service/PaymentService.php
@@ -5,6 +5,7 @@ declare(strict_types=1);
 namespace App\Service;
 
 use App\Exception\BusinessException;
+use App\Helper\Baofu\Baofu;
 use App\Helper\Efps\Api;
 use App\Helper\Efps\Result;
 use App\Helper\Log;
@@ -35,10 +36,30 @@ class PaymentService extends AbstractService
         return md5($appId . '-' . $outMemberId);
     }
 
+    public function bindCardPay($params, $token) {
+        $req = new PaymentRequest($params);
+        $app = $req->getApp();
+        $reqData = $req->getData();
+        $user = User::where('app_id', $app->app_id)->where('user_id', $reqData['userId'])->first();
+        if ($user) {
+            throw new BusinessException('用户已存在');
+        }
+        $baofu = new Baofu();
+        $baofu->paymentSplit([
+            'loginNo' => $user->member_id,
+            'outOrderNo' => '',
+            'amount' => $user->member_id,
+            'paidType' => 'CARD',
+            'agreementNo' => $reqData[''],
+            'pwdPayExpTime' => $reqData[''],
+            'notifyUrl' => '',
+        ], $token);
+
+    }
+
     public function createOrder(App $app, array $params, $user) {
         $order = new Order();
         $order->app_id = $app->app_id;
-        $order->order_no = $params['outTradeNo'];
         $order->member_id = $user->member_id;
         $order->out_member_id = $params['outMemberId'] ?? '';
         $order->out_order_no = $params['outOrderNo'] ?? '';