diff --git a/payapi/src/main/kotlin/com/supwisdom/dlpay/api/ThirdPayCall.kt b/payapi/src/main/kotlin/com/supwisdom/dlpay/api/ThirdPayCall.kt
index 430499c..dd978bb 100644
--- a/payapi/src/main/kotlin/com/supwisdom/dlpay/api/ThirdPayCall.kt
+++ b/payapi/src/main/kotlin/com/supwisdom/dlpay/api/ThirdPayCall.kt
@@ -374,7 +374,7 @@
         /**
          * 大理农商行银行卡代扣消费
          * */
-        fun callCitizenCardPay(config: Map<String, String?>, transdate: String, transtime: String, refno: String, amount:Double, bankcardno: String, name: String, idtype: String, idno: String, phone: String): CallBackResp {
+        fun callCitizenCardPay(config: Map<String, String?>, transdate: String, transtime: String, refno: String, amount:Double, bankcardno: String, name: String, idtype: String, idno: String): CallBackResp {
             val resp = CallBackResp()
             val ip = config["socket.ip"]
             val port = config["socket.port"]
@@ -445,6 +445,176 @@
             }
         }
 
+        /**
+         * 大理农商行银行卡消费退款
+         * */
+        fun CallCitizenCardPayRefund(config: Map<String, String?>, transdate: String, transtime: String, refno: String, originRefno:String, amount:Double): CallBackResp {
+            val resp = CallBackResp()
+            val ip = config["socket.ip"]
+            val port = config["socket.port"]
+            if (ip.isNullOrEmpty() || port.isNullOrEmpty()) {
+                resp.retcode = "99"
+                resp.retmsg = "市民卡socket的IP和端口未配置"
+                return resp
+            }
+
+            val req = DlpayReq().apply {
+                this.transdate = transdate
+                this.transtime = transtime
+                this.sn = refno
+                this.oriSn = originRefno
+                this.amount = MoneyUtil.YuanToFen(amount)
+                this.description="市民卡代扣消费退款"
+            }
+            logger.info("请求消费退款发送报文：\n${req.payRefundXml}")
+            try {
+                val returnXml = DlpayUtil.send(ip, port.toInt(), 10, req.payRefundXml)
+                logger.info("请求消费退款返回报文[$refno]：\n$returnXml")
+                if (returnXml.isNullOrEmpty()) {
+                    resp.retcode = "99"
+                    resp.retmsg = "请求消费退款返回报文为空"
+                    return resp
+                }
+                val returnResp = XmlUtils.getXmlToObject<DlpayResp>(returnXml.substring(8), "GBK", DlpayResp::class.java)
+                if (null == returnResp) {
+                    resp.retcode = "99"
+                    resp.retmsg = "解析返回报文错误！"
+                    return resp
+                }
+
+                if ("0000" == returnResp.code) {
+                    resp.retcode = "0"
+                    resp.retmsg = "success"
+                    resp.add("outtradeno", returnResp.bankjourno) //银行流水号
+                } else {
+                    resp.retcode = "99"
+                    resp.retmsg = returnResp.message
+                }
+                return resp
+            } catch (e: Exception) {
+                e.printStackTrace()
+                //fixme: 查询逻辑？
+                resp.retcode = "99"
+                resp.retmsg = "请求消费退款异常！e:${e.message}"
+                return resp
+            }
+        }
+
+        /**
+         * 大理农商行银行卡消费退款结果查询
+         * */
+        fun CallCitizenCardPayQueryResult(config: Map<String, String?>, transdate: String, transtime: String, refno: String, originRefno:String): CallBackResp{
+            val resp = CallBackResp()
+            val ip = config["socket.ip"]
+            val port = config["socket.port"]
+            if (ip.isNullOrEmpty() || port.isNullOrEmpty()) {
+                resp.retcode = "99"
+                resp.retmsg = "市民卡socket的IP和端口未配置"
+                return resp
+            }
+
+            val req = DlpayReq().apply {
+                this.transdate = transdate
+                this.transtime = transtime
+                this.sn = refno
+                this.oriSn = originRefno
+            }
+            logger.info("请求查询结果发送报文：\n${req.queryResultXml}")
+            try {
+                val returnXml = DlpayUtil.send(ip, port.toInt(), 10, req.queryResultXml)
+                logger.info("请求查询结果返回报文[$refno]：\n$returnXml")
+                if (returnXml.isNullOrEmpty()) {
+                    resp.retcode = "99"
+                    resp.retmsg = "请求查询结果返回报文为空"
+                    return resp
+                }
+                val returnResp = XmlUtils.getXmlToObject<DlpayResp>(returnXml.substring(8), "GBK", DlpayResp::class.java)
+                if (null == returnResp) {
+                    resp.retcode = "99"
+                    resp.retmsg = "解析返回报文错误！"
+                    return resp
+                }
+
+                if("0401" == returnResp.code){
+                    //原流水不存在
+                    resp.retcode = "0"
+                    resp.retmsg = "success"
+                    resp.add("dtlstatus", "notfind")
+                }else if ("0000" == returnResp.code) {
+                    resp.retcode = "0"
+                    resp.retmsg = "success"
+                    resp.add("outtradeno", returnResp.bankjourno) //银行流水号
+                    when(returnResp.status){
+                        "0" -> resp.add("dtlstatus", "success")
+                        "2" -> resp.add("dtlstatus", "refund")
+                        else -> resp.add("dtlstatus", "fail")
+                    }
+                } else {
+                    //查询失败
+                    resp.retcode = "99"
+                    resp.retmsg = returnResp.message
+                }
+                return resp
+            } catch (e: Exception) {
+                e.printStackTrace()
+                resp.retcode = "99"
+                resp.retmsg = "请求查询结果异常！e:${e.message}"
+                return resp
+            }
+        }
+
+        fun CallCitizenCardChkfile(config: Map<String, String?>, transdate: String, transtime: String, refno: String, chkdate:String): CallBackResp {
+            val resp = CallBackResp()
+            val ip = config["socket.ip"]
+            val port = config["socket.port"]
+            if (ip.isNullOrEmpty() || port.isNullOrEmpty()) {
+                resp.retcode = "99"
+                resp.retmsg = "市民卡socket的IP和端口未配置"
+                return resp
+            }
+
+            val req = DlpayReq().apply {
+                this.transdate = transdate
+                this.transtime = transtime
+                this.sn = refno
+                this.chkdate = chkdate
+            }
+            logger.info("请求[$chkdate]对账发送报文：\n${req.chkfileXml}")
+            try {
+                val returnXml = DlpayUtil.send(ip, port.toInt(), 10, req.chkfileXml)
+                logger.info("请求[$chkdate]对账返回报文[$refno]：\n$returnXml")
+                if (returnXml.isNullOrEmpty()) {
+                    resp.retcode = "99"
+                    resp.retmsg = "请求[$chkdate]对账返回报文为空"
+                    return resp
+                }
+                val returnResp = XmlUtils.getXmlToObject<DlpayResp>(returnXml.substring(8), "GBK", DlpayResp::class.java)
+                if (null == returnResp) {
+                    resp.retcode = "99"
+                    resp.retmsg = "解析返回报文错误！"
+                    return resp
+                }
+
+                if ("0000" == returnResp.code) {
+                    resp.retcode = "0"
+                    resp.retmsg = "success"
+                    resp.add("outtradeno", returnResp.bankjourno) //银行流水号
+                    resp.add("filename", returnResp.filename)
+
+                } else {
+                    //查询失败
+                    resp.retcode = "99"
+                    resp.retmsg = returnResp.message
+                }
+                return resp
+            } catch (e: Exception) {
+                e.printStackTrace()
+                resp.retcode = "99"
+                resp.retmsg = "请求[$chkdate]对账异常！e:${e.message}"
+                return resp
+            }
+        }
+
         fun CallCitizenCardPay(config: Map<String, String?>, paydtl: TShopdtl): CallBackResp {
             val resp = CallBackResp()
             resp.retcode = "0"