diff --git a/payapi/src/main/java/com/supwisdom/dlpay/agent/citizencard/YnrccUtil.java b/payapi/src/main/java/com/supwisdom/dlpay/agent/citizencard/YnrccUtil.java
index 9b12298..4c8a23d 100644
--- a/payapi/src/main/java/com/supwisdom/dlpay/agent/citizencard/YnrccUtil.java
+++ b/payapi/src/main/java/com/supwisdom/dlpay/agent/citizencard/YnrccUtil.java
@@ -32,6 +32,7 @@
   public static final String CODE_SUCCESS = "0000"; //成功
   public static final String CODE_NOT_EXISTS = "0401"; //流水不存在
   public static final String CODE_EXCEPTION = "10000"; //异常
+  public static final String NO_RECORDS_TODAY = "0406"; //当日无交易明细
 
   //查询接口返回的流水状态
   public static final String DTL_STATUS_SUCCESS = "0"; //成功
@@ -41,6 +42,8 @@
 
   public static final int QUERY_MAX_COUNT = 3; //最大查询次数
 
+  public static final String YNRCC_BILLS_DOWNLOAD_LASTDATE = "ynrcc.download.bills.lastdate";
+
   public static final List<Pair<AgentCode, YnrccRespCode>> errcode = new ArrayList<>(0);
 
   static {
diff --git a/payapi/src/main/java/com/supwisdom/dlpay/api/dao/DtlQueryDao.java b/payapi/src/main/java/com/supwisdom/dlpay/api/dao/DtlQueryDao.java
index ea6c3be..178a88c 100644
--- a/payapi/src/main/java/com/supwisdom/dlpay/api/dao/DtlQueryDao.java
+++ b/payapi/src/main/java/com/supwisdom/dlpay/api/dao/DtlQueryDao.java
@@ -8,6 +8,6 @@
 
 public interface DtlQueryDao extends JpaRepository<TDtlQuery, String> {
 
-  @Query("from TDtlQuery t where t.accdate=?1 and t.status=?2 and t.qcnt<=?3 order by t.lastsaved desc ")
+  @Query("from TDtlQuery t where t.accdate=?1 and t.status=?2 and t.qcnt<=?3 order by t.lastsaved ")
   List<TDtlQuery> getNeedQueryDtls(String accdate, String status, int maxQcnt);
 }
diff --git a/payapi/src/main/java/com/supwisdom/dlpay/api/dao/TransactionMainDao.java b/payapi/src/main/java/com/supwisdom/dlpay/api/dao/TransactionMainDao.java
index 3fb3544..b72f8d2 100644
--- a/payapi/src/main/java/com/supwisdom/dlpay/api/dao/TransactionMainDao.java
+++ b/payapi/src/main/java/com/supwisdom/dlpay/api/dao/TransactionMainDao.java
@@ -25,4 +25,7 @@
 
   @Query("select t from TTransactionMain t where t.outTradeNo=?1 and t.outId=?2")
   TTransactionMain findByBillno(String billno, String outid);
+
+  @Query("select min(t.accdate) from TTransactionMain t where t.sourceType=?1 ")
+  String findMinAccdateBySourcetype(String sourcetype);
 }
diff --git a/payapi/src/main/java/com/supwisdom/dlpay/framework/core/DayendSettleTask.java b/payapi/src/main/java/com/supwisdom/dlpay/framework/core/DayendSettleTask.java
index 14663ec..368bf8e 100644
--- a/payapi/src/main/java/com/supwisdom/dlpay/framework/core/DayendSettleTask.java
+++ b/payapi/src/main/java/com/supwisdom/dlpay/framework/core/DayendSettleTask.java
@@ -20,7 +20,7 @@
   private static final Logger logger = LoggerFactory.getLogger(DayendSettleTask.class);
 
   @Scheduled(cron = "${dayend.settletask.cron}")
-  @SchedulerLock(name = "DayendSettleTask")
+  @SchedulerLock(name = "DayendSettleTask", lockAtMostForString = "PT30M")
   public void doSettleTask() {
     if (logger.isDebugEnabled()) logger.debug("进入日结算任务！");
     settleLog = dayendSettleService.doCreateSettleLog(); //记录日志
diff --git a/payapi/src/main/kotlin/com/supwisdom/dlpay/api/scheduler_task.kt b/payapi/src/main/kotlin/com/supwisdom/dlpay/api/scheduler_task.kt
index 7f7ea81..35136c5 100644
--- a/payapi/src/main/kotlin/com/supwisdom/dlpay/api/scheduler_task.kt
+++ b/payapi/src/main/kotlin/com/supwisdom/dlpay/api/scheduler_task.kt
@@ -29,10 +29,14 @@
     }
 
     @Scheduled(cron = "\${shopbalance.updater.cron:-}")
-    @SchedulerLock(name = "dealShopUnupdatedDtl")
+    @SchedulerLock(name = "dealShopUnupdatedDtl", lockAtMostForString = "PT10M")
     fun dealShopUnupdatedDtl() {
-        shopaccService.findUnupdatedShopDtl(100).forEach {
-            doShopBlanceUpdate(it)
+        try {
+            shopaccService.findUnupdatedShopDtl(100).forEach {
+                doShopBlanceUpdate(it)
+            }
+        } catch (ex: Exception) {
+            ex.printStackTrace()
         }
     }
 }
@@ -54,16 +58,20 @@
     private lateinit var applicationContext: ApplicationContext
 
     @Scheduled(cron = "\${query.third.transdtl.result.cron:-}")
-    @SchedulerLock(name = "DtlQueryResultSchedulerTask")
+    @SchedulerLock(name = "DtlQueryResultSchedulerTask", lockAtMostForString = "PT10M")
     fun queryThirdTransdtlResult() {
-        //仅查询当天数据,查询次数在规定次数之下
-        dtlQueryResultService.getNeedQueryRecords(systemUtilService.accdate, ConstantUtil.QUERY_MAX_COUNT).forEach {
-            try {
-                doQuery(it)
-            } catch (exp: Exception) {
-                it.qcnt = it.qcnt + 1
-                dtlQueryResultService.saveOrUpdateDtlQuery(it) //次数加一
+        try {
+            //仅查询当天数据,查询次数在规定次数之下
+            dtlQueryResultService.getNeedQueryRecords(systemUtilService.accdate, ConstantUtil.QUERY_MAX_COUNT).forEach {
+                try {
+                    doQuery(it)
+                } catch (exp: Exception) {
+                    it.qcnt = it.qcnt + 1
+                    dtlQueryResultService.saveOrUpdateDtlQuery(it) //次数加一
+                }
             }
+        } catch (ex: Exception) {
+            ex.printStackTrace()
         }
     }
 
diff --git a/payapi/src/main/kotlin/com/supwisdom/dlpay/api/scheduler_ynrccchk_task.kt b/payapi/src/main/kotlin/com/supwisdom/dlpay/api/scheduler_ynrccchk_task.kt
new file mode 100644
index 0000000..04683c0
--- /dev/null
+++ b/payapi/src/main/kotlin/com/supwisdom/dlpay/api/scheduler_ynrccchk_task.kt
@@ -0,0 +1,63 @@
+package com.supwisdom.dlpay.api
+
+import com.supwisdom.dlpay.agent.citizencard.YnrccUtil
+import com.supwisdom.dlpay.agent.service.CitizencardPayService
+import com.supwisdom.dlpay.api.service.YnrccBusinessService
+import com.supwisdom.dlpay.framework.service.SystemUtilService
+import com.supwisdom.dlpay.framework.util.DateUtil
+import mu.KotlinLogging
+import net.javacrumbs.shedlock.core.SchedulerLock
+import org.springframework.beans.factory.annotation.Autowired
+import org.springframework.scheduling.annotation.Scheduled
+import org.springframework.stereotype.Component
+
+/**
+ * 第三方对账任务
+ * */
+@Component
+class DownloadYnrccChkfileTask {
+    @Autowired
+    private lateinit var systemUtilService: SystemUtilService
+    @Autowired
+    private lateinit var ynrccBusinessService: YnrccBusinessService
+    @Autowired
+    private lateinit var citizencardPayService: CitizencardPayService
+
+    private val logger = KotlinLogging.logger { }
+
+
+    @Scheduled(cron = "\${download.ynrcc.chkfile.cron:-}")
+    @SchedulerLock(name = "DownloadYnrccChkfileSchedulerTask", lockAtMostForString = "PT10M")
+    fun doDownloadYnrccChkfile() {
+        try {
+            //下载对账单逻辑
+            val hostdate = systemUtilService.sysdatetime.hostdate
+            val downloadLastdate = ynrccBusinessService.getLastDownloadBillDate()
+            val diffDays = DateUtil.getIntervalDay(downloadLastdate, hostdate).toInt()
+            logger.info("大理农商行对账单下载：downloadLastdate=$downloadLastdate, hostdate=$hostdate, diffDays=$diffDays ")
+
+            for (i in 1 until diffDays) {
+                val billDate = DateUtil.getNewDay(downloadLastdate, i) //要取对账单的日期
+
+                val resp = citizencardPayService.getChkfilename(billDate, null)
+                if (YnrccUtil.CODE_SUCCESS == resp.code) {
+                    val chkfilename = resp.filename
+                    //根据filename 取文件数据
+
+
+                } else if (YnrccUtil.NO_RECORDS_TODAY == resp.code) {
+                    //当日无交易明细，也创建空记录
+
+                } else {
+                    //报错，退出对账单拉取
+                    logger.error("大理农商行对账单下载[$billDate]报错:${resp.message}")
+                    break
+                }
+            }
+
+        } catch (ex: Exception) {
+            ex.printStackTrace()
+        }
+    }
+
+}
\ No newline at end of file
diff --git a/payapi/src/main/kotlin/com/supwisdom/dlpay/api/service/impl/ynrcc_business_service_impl.kt b/payapi/src/main/kotlin/com/supwisdom/dlpay/api/service/impl/ynrcc_business_service_impl.kt
new file mode 100644
index 0000000..99b0566
--- /dev/null
+++ b/payapi/src/main/kotlin/com/supwisdom/dlpay/api/service/impl/ynrcc_business_service_impl.kt
@@ -0,0 +1,46 @@
+package com.supwisdom.dlpay.api.service.impl
+
+import com.supwisdom.dlpay.agent.citizencard.YnrccUtil
+import com.supwisdom.dlpay.api.dao.TransactionMainDao
+import com.supwisdom.dlpay.api.service.YnrccBusinessService
+import com.supwisdom.dlpay.framework.dao.BusinessparaDao
+import com.supwisdom.dlpay.framework.domain.TBusinesspara
+import com.supwisdom.dlpay.framework.service.SystemUtilService
+import com.supwisdom.dlpay.framework.tenant.TenantContext
+import com.supwisdom.dlpay.framework.util.DateUtil
+import com.supwisdom.dlpay.framework.util.TradeDict
+import org.springframework.beans.factory.annotation.Autowired
+import org.springframework.stereotype.Service
+
+@Service
+class YnrccBusinessServiceImpl : YnrccBusinessService {
+    @Autowired
+    private lateinit var businessparaDao: BusinessparaDao
+    @Autowired
+    private lateinit var systemUtilService: SystemUtilService
+    @Autowired
+    private lateinit var transactionMainDao: TransactionMainDao
+
+
+    override fun getLastDownloadBillDate(): String {
+        var businesspara = businessparaDao.findByParakeyForUpdate(YnrccUtil.YNRCC_BILLS_DOWNLOAD_LASTDATE)
+        if (null != businesspara && DateUtil.checkDatetimeValid(businesspara.paraval, DateUtil.DATE_FMT)) {
+            return businesspara.paraval
+        }
+        val startdate = transactionMainDao.findMinAccdateBySourcetype(TradeDict.PAYTYPE_CITIZEN_CARD)
+                ?: systemUtilService.sysdatetime.hostdate
+
+        if (null != businesspara) {
+            businesspara.paraval = DateUtil.getNewDay(startdate, -1)
+        } else {
+            businesspara = TBusinesspara().apply {
+                this.parakey = YnrccUtil.YNRCC_BILLS_DOWNLOAD_LASTDATE
+                this.paraval = DateUtil.getNewDay(startdate, -1)
+                this.tenantId = TenantContext.getTenantSchema()
+            }
+        }
+        businesspara = businessparaDao.save(businesspara)
+        return businesspara.paraval
+    }
+
+}
\ No newline at end of file
diff --git a/payapi/src/main/kotlin/com/supwisdom/dlpay/api/service/ynrcc_business_service.kt b/payapi/src/main/kotlin/com/supwisdom/dlpay/api/service/ynrcc_business_service.kt
new file mode 100644
index 0000000..8a33cfd
--- /dev/null
+++ b/payapi/src/main/kotlin/com/supwisdom/dlpay/api/service/ynrcc_business_service.kt
@@ -0,0 +1,9 @@
+package com.supwisdom.dlpay.api.service
+
+import org.springframework.transaction.annotation.Transactional
+
+interface YnrccBusinessService {
+    @Transactional(rollbackFor = [Exception::class])
+    fun getLastDownloadBillDate(): String
+
+}
\ No newline at end of file
diff --git a/payapi/src/main/resources/application.properties b/payapi/src/main/resources/application.properties
index 5ca4e24..9f662ab 100644
--- a/payapi/src/main/resources/application.properties
+++ b/payapi/src/main/resources/application.properties
@@ -33,6 +33,7 @@
 shopbalance.updater.cron=10/* * * * * ?
 dayend.settletask.cron=0 3/30 2-3 * * ?
 query.third.transdtl.result.cron=7 0/3 * * * ?
+download.ynrcc.chkfile.cron =3 0/10 1 * * ?
 #dayend.settletask.cron = 0 0/2 * * * ?
 ################################################
 # user password