diff --git a/app/Command/MineCommand.php b/app/Command/MineCommand.php
index b0453d1..ef5ed72 100644
--- a/app/Command/MineCommand.php
+++ b/app/Command/MineCommand.php
@@ -43,6 +43,8 @@ class MineCommand extends HyperfCommand
 
     public function handle(): void
     {
+        $this->refundConfirm();
+        return;
         $this->rsyncUser('4673f922e30cfd2efeeb992ff6a32ece', '202308070000001', 'ELF1990');
         $this->rsyncUser('247eda1b7de0c76603123c477f2072fa', '202308070000001', 'RLX1990');
         $this->rsyncUser('13f366c46bb842b6cb732e6a30836a9b', '202308070000001', '30684');
@@ -151,6 +153,16 @@ class MineCommand extends HyperfCommand
         echo $url;
     }
 
+    protected function unbindCard()
+    {
+        /**
+         * @var UserService $userService
+         */
+        $userService = $this->container->make(UserService::class);
+        $result = $userService->unbindCard(['userId' => 'ELF1990', 'agreementNo' => '312023080400002047764'], $this->getApp());
+        var_dump($result);
+    }
+
     protected function payment()
     {
         /**
@@ -159,7 +171,7 @@ class MineCommand extends HyperfCommand
         $paymentService = $this->container->make(PaymentService::class);
         $data = [
             'userId' => 'ELF1990',
-            'agreementNo' => '312023080400002047764',
+            'agreementNo' => '312023081200002052866',
             'notifyUrl' => 'http://www.baidu.com',
             'returnUrl' => 'http://www.baidu.com',
             'amount' => 100,
@@ -209,4 +221,51 @@ class MineCommand extends HyperfCommand
         $userId = $requestLog->getDataValue('userId');
         var_dump($userId);
     }
+
+    public function getBalance()
+    {
+        /**
+         * @var UserService $userService
+         */
+        $userService = $this->container->make(UserService::class);
+        $result = $userService->getBalance('1274207');
+        var_dump($result);
+    }
+
+    public function refund()
+    {
+        /**
+         * @var PaymentService $paymentService
+         */
+        $paymentService = $this->container->make(PaymentService::class);
+        $data = [
+            'userId' => 'ELF1990',
+            'outOrderNo' => '16918297262208',
+            'notifyUrl' => 'http://www.baidu.com',
+            'returnUrl' => 'http://www.baidu.com',
+            'outRefundNo' => time() . rand(1000, 9999),
+            'refundAmount' => 100,
+            'refundReason' => '不想买了',
+            'refundSplitInfoList' => [
+            ]
+        ];
+        $result = $paymentService->refundApply($data, $this->getApp());
+        var_dump($result);
+    }
+
+    public function refundConfirm()
+    {
+        /**
+         * @var PaymentService $paymentService
+         */
+        $paymentService = $this->container->make(PaymentService::class);
+        $data = [
+            'userId' => 'ELF1990',
+            'outOrderNo' => '16918297262208',
+            'outRefundNo' => '16919422375337',
+            'notifyUrl' => 'http://www.baidu.com',
+            'refundAmount' => 100,
+        ];
+        $paymentService->refundConfirm($data, $this->getApp(), $this->getToken());
+    }
 }
\ No newline at end of file
diff --git a/app/Controller/Payment/NotifyController.php b/app/Controller/Payment/NotifyController.php
index 965974f..2f8fc3b 100644
--- a/app/Controller/Payment/NotifyController.php
+++ b/app/Controller/Payment/NotifyController.php
@@ -104,14 +104,14 @@ class NotifyController extends AbstractController
         
         $info = [
             'member_id' => $params['loginId'],
-            'order_no' => $params['orderId'],
-            'third_order_no' => $params['tradeId'],
+            'order_no' => $params['tradeId'],
+            'third_order_no' => $params['orderId'],
             'status' => $params['orderStatus'],
             'amount' => $params['orderMoney'],
             'finished_at' => $params['finishTime'],
             'error_message' => $params['errorMsg'],
-            'transaction_id' => $params['transactionId'],
-            'out_transaction_id' => $params['outTransactionId'],
+            'transaction_id' => $params['transactionId'] ?? '',
+            'out_transaction_id' => $params['outTransactionId'] ?? '',
         ];
         $order = $this->paymentService->updateOrder($info);
         if (empty($order)) {
diff --git a/app/Controller/Payment/PaymentController.php b/app/Controller/Payment/PaymentController.php
index 931e444..5f163e4 100644
--- a/app/Controller/Payment/PaymentController.php
+++ b/app/Controller/Payment/PaymentController.php
@@ -75,8 +75,8 @@ class PaymentController extends AbstractController
 
     public function payment(RequestInterface $request) {
         [$app, $data, $token] = $this->parseReqest($request, UnbindCardRequest::class);
-        $url = $this->paymentService->payment($data, $app, $token);
-        return $this->success(['url' => $url]);
+        $this->paymentService->payment($data, $app, $token);
+        return $this->success();
     }
 
     public function refundApply(RequestInterface $request)
@@ -89,8 +89,8 @@ class PaymentController extends AbstractController
     public function refundConfirm(RequestInterface $request)
     {
         [$app, $data, $token] = $this->parseReqest($request, UnbindCardRequest::class);
-        $data = $this->paymentService->refundApply($app, $data);
-        return $this->success($data);
+        $this->paymentService->refundConfirm($app, $data, $token);
+        return $this->success();
     }
 
     public function refundCancel(RequestInterface $request)
diff --git a/app/Helper/Baofu/Baofu.php b/app/Helper/Baofu/Baofu.php
index 9d34758..1103dfe 100644
--- a/app/Helper/Baofu/Baofu.php
+++ b/app/Helper/Baofu/Baofu.php
@@ -329,7 +329,7 @@ class Baofu
         $data['provinceName'] = $info['provinceName'];
         $data['cityName'] = $info['cityName'];
         $data['notifyUrl'] = NotifyList::getNotifyUrl('apply-bind-card', $token);
-        return $this->api('apply-bind-card' ,$data);
+        return $this->api('apply-bind-card', $data);
     }
 
     public function openAccount($loginNo, $info)
@@ -375,14 +375,14 @@ class Baofu
         return $this->api('profit-share-refund-apply', $data);
     }
 
-    public function profitShareRefundConfirm($params){
+    public function profitShareRefundConfirm($params, $token){
         $data = [];
         $data['loginNo'] = $params['loginNo'] ?: '';// 匿名支付不需要传
         $data['refundTradeId'] = $params['refundTradeId']; // 与退款申请中的退款请求订单号一致
         $data['refundTradeType'] = 'REFUND_CONFIRM';
         $data['orgTradeId'] = $params['orgTradeId']; // 原始支付商户订单号
         $data['refundAmount'] = $params['refundAmount']; // 单位：分
-        $data['notifyUrl'] = $params['notifyUrl'];
+        $data['notifyUrl'] = NotifyList::getNotifyUrl('confirm-split', $token);
         return $this->api('profit-share-refund-confirm', $data);
     }
 
diff --git a/app/Helper/Baofu/SignatureUtil.php b/app/Helper/Baofu/SignatureUtil.php
index 4e0e443..f3e2734 100644
--- a/app/Helper/Baofu/SignatureUtil.php
+++ b/app/Helper/Baofu/SignatureUtil.php
@@ -53,7 +53,6 @@ class SignatureUtil
         $pubKey = file_get_contents($cerPath);
         $certs = openssl_get_publickey($pubKey);
         $ok = openssl_verify($data, hex2bin($signature), $certs);
-        var_dump($cerPath, $signature);
         if ($ok == 1) {
             return true;
         }
diff --git a/app/Model/Order.php b/app/Model/Order.php
index c19d6d4..909be51 100644
--- a/app/Model/Order.php
+++ b/app/Model/Order.php
@@ -7,6 +7,8 @@ namespace App\Model;
 class Order extends Model
 {
     public const STATUS_PREPARE = 'PREPARE';
+    public const STATUS_APPLY_SUCCESS = 'APPLY_SUCCESS';
+    public const STATUS_APPLY_FAILED = 'APPLY_FAILED';
     public const STATUS_INIT = 'INIT';
     public const STATUS_PROCESS = 'PROCESS';
     public const STATUS_SUCCESS = 'SUCCESS';
@@ -21,4 +23,9 @@ class Order extends Model
     public function getExpiresIn() {
         return strtotime($this->expired_at) - time();
     }
+
+    public function orderSplitInfos()
+    {
+        return $this->hasMany(OrderSplitInfo::class, 'order_no', 'order_no');
+    }
 }
\ No newline at end of file
diff --git a/app/Model/Refund.php b/app/Model/Refund.php
index aab0743..34048dd 100644
--- a/app/Model/Refund.php
+++ b/app/Model/Refund.php
@@ -6,7 +6,11 @@ namespace App\Model;
 
 class Refund extends Model
 {
+    
     public const STATUS_PREPARE = 'PREPARE';
+    public const STATUS_APPLY_SUCCESS = 'APPLY_SUCCESS';
+    public const STATUS_APPLY_FAILED = 'APPLY_FAILED';
+    public const STATUS_CONFIRM_FAILED = 'CONFIRM_FAILED';
     public const STATUS_INIT = 'INIT';
     public const STATUS_PROCESS = 'PROCESS';
     public const STATUS_SUCCESS = 'SUCCESS';
@@ -14,6 +18,10 @@ class Refund extends Model
 
     protected $table = 'refunds';
 
+    protected $casts = [
+        'org_refund_split_info_list' => 'array',
+    ];
+
     public static $shortStatusAndStatusMap = [
         'I' => self::STATUS_INIT,
         'P' => self::STATUS_PROCESS,
diff --git a/app/Model/RefundSplitInfo.php b/app/Model/RefundSplitInfo.php
new file mode 100644
index 0000000..bc8caaf
--- /dev/null
+++ b/app/Model/RefundSplitInfo.php
@@ -0,0 +1,10 @@
+<?php
+
+declare(strict_types=1);
+
+namespace App\Model;
+
+class RefundSplitInfo extends Model
+{
+    protected $table = 'refund_split_infos';
+}
\ No newline at end of file
diff --git a/app/Service/PaymentService.php b/app/Service/PaymentService.php
index 650719c..a4876da 100644
--- a/app/Service/PaymentService.php
+++ b/app/Service/PaymentService.php
@@ -13,6 +13,7 @@ use App\Model\App;
 use App\Model\Order;
 use App\Model\OrderSplitInfo;
 use App\Model\Refund;
+use App\Model\RefundSplitInfo;
 use App\Model\User;
 
 class PaymentService extends AbstractService
@@ -104,11 +105,11 @@ class PaymentService extends AbstractService
         $order->org_split_info_list = $params['splitInfoList'];
         $order->save();
         
-        $fee = floor($order->amount * 0.007);
+        $platformAccount = User::getPlatformAccount();
+        $fee = $platformAccount ? floor($order->amount * 0.01) : 0;
         $orderSplitInfos = [];
         $splitUserIds = array_column($params['splitInfoList'], 'userId');
         $users = User::where('app_id', $app->app_id)->whereIn('user_id', $splitUserIds)->get()->keyBy('user_id');
-        $platformAccount = User::getPlatformAccount();
         foreach ($params['splitInfoList'] as $splitInfo) {
             $splitUser = $users[$splitInfo['userId']];
             $splitAmount = $splitInfo['sellerFlag'] == 1 ? ($splitInfo['amount'] - $fee): $splitInfo['amount'];
@@ -151,7 +152,7 @@ class PaymentService extends AbstractService
     }
 
     public function updateOrder($params) {
-        $order = Order::where('order_no', $params['order_no'])->where('status', 'APPLY_FAILED')->first();
+        $order = Order::where('order_no', $params['order_no'])->where('status', 'APPLY_SUCCESS')->first();
         if (empty($order)) {
             return null;
         }
@@ -167,17 +168,17 @@ class PaymentService extends AbstractService
 
     public function refundApply(array $data, App $app) {
         $user = User::where('app_id', $app->app_id)->where('user_id', $data['userId'])->first();
-        if ($user) {
-            throw new BusinessException('用户已存在');
+        if (!$user) {
+            throw new BusinessException('用户不存在');
         }
         $order = Order::where('app_id', $app->app_id)->where('out_order_no', $data['outOrderNo'])->first();
         if (empty($order)) {
             throw new BusinessException('订单号不存在');
         }
-        if ($order->status != 'FINISH') {
+        if ($order->status != 'SUCCESS') {
             throw new BusinessException('该订单状态不能发起退款');
         }
-        $refund = Refund::where('app_id', $app->app_id)->where('refund_no', $data['refundNo'])->first();
+        $refund = Refund::where('app_id', $app->app_id)->where('out_refund_no', $data['outRefundNo'])->first();
         if ($refund) {
             throw new BusinessException('该退款单已经存在');
         }
@@ -189,19 +190,20 @@ class PaymentService extends AbstractService
         $refund->order_no = $order->order_no;
         $refund->out_order_no = $order->out_order_no;
         $refund->refund_no = StringHelper::generateOrderNo(StringHelper::ORDER_NO_TYPE_REFUND);
+        $refund->out_refund_no = $data['outRefundNo'];
         $refund->refund_amount = $data['refundAmount'];
         $refund->refund_reason = $data['refundReason'];
         $refund->notify_url = $data['notifyUrl'] ?? '';
-        $refund->org_refund_split_info_list = $data['refundSplitInfoList'];
-        $refund->remark = $data['remark'] ?: '';
+        $refund->org_refund_split_info_list = $data['refundSplitInfoList'] ?? [];
+        $refund->remark = $data['remark'] ?? '';
         $refund->applied_at = date('Y-m-d H:i:s');
 
         $refundSplitInfoList = [];
         $refundSplitInfos = [];
-        foreach ($order->order_split_infos as $splitInfo) {
+        foreach ($order->orderSplitInfos as $splitInfo) {
             $refundSplitInfoList[] = [
                 'orgSubOutOrderNo' => $splitInfo->sub_order_no,
-                'refundAmount' => $splitInfo->split_amount,
+                'refundAmount' => (string)$splitInfo->split_amount,
             ];
             $refundSplitInfos[$splitInfo->sub_order_no] = [
                 'app_id' => $splitInfo->user_id,
@@ -210,12 +212,14 @@ class PaymentService extends AbstractService
                 'user_id' => $splitInfo->user_id,
                 'split_member_id' => $splitInfo->split_member_id,
                 'split_user_id' => $splitInfo->split_user_id,
+                'refund_no' => $refund->refund_no,
+                'out_refund_no' => $refund->out_refund_no,
                 'order_no' => $splitInfo->order_no,
                 'out_order_no' => $splitInfo->out_order_no,
                 'sub_order_no' => $splitInfo->sub_order_no,
                 'sub_out_order_no' => $splitInfo->sub_out_order_no,
                 'refund_amount' => $splitInfo->split_amount,
-                'status' => 'P',
+                'status' => Refund::STATUS_PREPARE,
                 'message' => '',
             ];
         }
@@ -235,18 +239,69 @@ class PaymentService extends AbstractService
             $refund->real_refund_amount = $result['refundAmount'];
             foreach ($result['refundSplitResultList'] as $refundSplitResult) {
                 $subOrderNo = $refundSplitResult['orgSubOutOrderNo'];
-                $refundSplitResult[$subOrderNo]['status'] = $refundSplitResult['status'];
-                $refundSplitResult[$subOrderNo]['message'] = $refundSplitResult['message'];
+                $refundSplitInfos[$subOrderNo]['status'] = Refund::getStatusByShortStatus($refundSplitResult['status']);
+                $refundSplitInfos[$subOrderNo]['message'] = $refundSplitResult['message'] ?: '';
             }
 
+            RefundSplitInfo::insert($refundSplitInfos);
+            $refund->save();
+
         } catch (BasicException $e) {
             $refund->status = 'APPLY_FAILED';
             $refund->error_code = $e->getCode();
             $refund->error_message = $e->getMessage();
+            foreach ($refundSplitInfos as $key => $refundSplitInfo) {
+                $refundSplitInfos[$key]['status'] = 'APPLY_FAILED';
+                $refundSplitInfos[$key]['message'] = $e->getMessage();
+            }
+            RefundSplitInfo::insert($refundSplitInfos);
+            $refund->save();
             throw $e;
         }
+    }
 
-        $refund->save();
+    public function refundConfirm(array $data, App $app, string $token)
+    {
+        $user = User::where('app_id', $app->app_id)->where('user_id', $data['userId'])->first();
+        if (!$user) {
+            throw new BusinessException('用户不存在');
+        }
+        $order = Order::where('app_id', $app->app_id)->where('out_order_no', $data['outOrderNo'])->first();
+        if (empty($order)) {
+            throw new BusinessException('订单号不存在');
+        }
+        if ($order->status != 'SUCCESS') {
+            throw new BusinessException('该订单状态不能发起退款');
+        }
+        $refund = Refund::where('app_id', $app->app_id)->where('out_refund_no', $data['outRefundNo'])->first();
+        if (empty($refund)) {
+            throw new BusinessException('退款申请不存在');
+        }
+        if ($refund->status != Refund::STATUS_APPLY_SUCCESS || $refund->status != Refund::STATUS_CONFIRM_FAILED) {
+            throw new BusinessException('该退款单未申请成功');
+        }
+
+        try {
+            $baofu = new Baofu();
+            $result = $baofu->profitShareRefundConfirm([
+                'loginNo' => $user->member_id,
+                'refundTradeId' => $refund->refund_no,
+                'refundTradeType' => 'REFUND_APPLY',
+                'orgTradeId' => $refund->order_no,
+                'refundAmount' => $refund->refund_amount,
+                'notifyUrl' => $data['notifyUrl'],
+            ], $token);
+            $refund->status = Refund::getStatusByShortStatus($result['refundStatus']);
+            $refund->third_refund_no = $result['refundOrderId'];
+            $refund->save();
+
+        } catch (ApiException $e) {
+            $refund->status = Refund::STATUS_CONFIRM_FAILED;
+            $refund->error_code = $e->getCode();
+            $refund->error_message = $e->getMessage();
+            $refund->save();
+            throw $e;
+        }
     }
 
     public function updateRefund($params)
diff --git a/app/Service/UserService.php b/app/Service/UserService.php
index e0ba698..bcb0da3 100644
--- a/app/Service/UserService.php
+++ b/app/Service/UserService.php
@@ -93,6 +93,13 @@ class UserService extends AbstractService
             'loginNo' => $memberId,
             'contractNo' => $user->contract_no,
         ]);
+
+        $oldAgreementNos = BankCard::where('member_id', $memberId)->get()->pluck('agreement_no')->toArray();
+        $agreementNos = array_column($bankCards, 'agreementNo');
+
+        $deletedAgreementNos = array_diff($oldAgreementNos, $agreementNos);
+        BankCard::where('member_id', $memberId)->whereIn('agreement_no', $deletedAgreementNos)->delete();
+
         foreach ($bankCards as $bankCard) {
             $this->saveBankCard($bankCard, $user);
         }
@@ -169,7 +176,7 @@ class UserService extends AbstractService
 
         $baofu = new Baofu();
         $result = $baofu->cardUnbind($user->member_id, $data['agreementNo']);
-        if ($result && $result != 'false') {
+        if ($result) {
             $this->rsyncBankCards($user->member_id) ;
             return true;
         }
@@ -186,7 +193,8 @@ class UserService extends AbstractService
         return $baofu->pwdForget($user->member_id, $token);
     }
 
-    public function pwdModify(array $data, App $app, $token) {
+    public function pwdModify(array $data, App $app, $token)
+    {
         $user = User::where('app_id', $app->app_id)->where('user_id', $data['userId'])->first();
         if (empty($user)) {
             throw new BusinessException('用户不存在');
@@ -195,4 +203,10 @@ class UserService extends AbstractService
         $baofu = new Baofu();
         return $baofu->pwdModify($user->member_id, $token);
     }
+
+    public function getBalance($memberId)
+    {
+        $baofu = new Baofu();
+        return $baofu->getBalance($memberId);
+    }
 }
\ No newline at end of file
diff --git a/payment.sql b/payment.sql
index 28dd4b0..8cb5c4a 100644
--- a/payment.sql
+++ b/payment.sql
@@ -168,7 +168,7 @@ CREATE TABLE `refunds` (
   `out_order_no` varchar(32) NOT NULL,
   `refund_no` varchar(32) NOT NULL,
   `out_refund_no` varchar(32) NOT NULL,
-  `third_refund_no` varchar(32) NOT NULL,
+  `third_refund_no` varchar(32) NOT NULL DEFAULT '',
   `refund_amount` int(11) NOT NULL DEFAULT 0,
   `refund_reason` varchar(255) NOT NULL DEFAULT '',
   `refund_type` varchar(16) NOT NULL DEFAULT '',
@@ -200,6 +200,8 @@ CREATE TABLE `refund_split_infos` (
   `out_order_no` varchar(32) NOT NULL,
   `sub_order_no` varchar(32) NOT NULL,
   `sub_out_order_no` varchar(32) NOT NULL,
+  `refund_no` varchar(32) NOT NULL,
+  `out_refund_no` varchar(32) NOT NULL,
   `refund_amount` int(11) NOT NULL DEFAULT 0,
   `status` varchar(16) NOT NULL DEFAULT '',
   `message` varchar(32) NOT NULL DEFAULT '',