diff --git a/payapi-spec/accountapi.yaml b/payapi-spec/accountapi.yaml
index 93b7ad6..08c83a0 100644
--- a/payapi-spec/accountapi.yaml
+++ b/payapi-spec/accountapi.yaml
@@ -13,6 +13,8 @@
           title: 子账户列表
           type: array
           items:
+            description: |
+              需要查询的子账户名，如果查询所有子账户可以用 ['*'] 来查询
             type: string
             title: 子账户ID
     AccountQueryResponse:
@@ -45,7 +47,6 @@
       title: 预授权交易请求
       required:
         - userid
-        - accountType
         - preAuthorizedAmount
         - shopaccno
         - transDate
@@ -56,8 +57,8 @@
         userid:
           title: 用户ID
           type: string
-        accountType:
-          title: 账户类型
+        accountName:
+          title: 账户名
           type: string
         preAuthorizedAmount:
           title: 预授权金额(分)
@@ -114,7 +115,7 @@
           type: integer
     AccountPayRequest:
       type: object
-      title: 账户余额扣款交易
+      title: 主账户余额扣款交易
       required:
         - billno
         - shopaccno
@@ -139,6 +140,9 @@
         amount:
           title: 扣款金额(分)
           type: integer
+        accountName:
+          title: 账户名
+          type: string
         description:
           title: 交易描述
           type: string
@@ -149,6 +153,8 @@
     AccountPayResponse:
       type: object
       title: 账户余额扣款交易应答
+      required:
+        - refno
       properties:
         refno:
           title: 系统交易参考号
@@ -159,7 +165,9 @@
         aftbal:
           title: 账户余额(分)
           type: integer
-
+        realAmount:
+          title: 实际扣款金额（分）
+          type: integer
 
   paths:
     accountQuery:
@@ -188,11 +196,7 @@
                 schema:
                   $ref: 'definitions.yaml#/components/schemas/ErrorResponse'
           default:
-            description: 查询错误
-            content:
-              application/json:
-                schema:
-                  $ref: 'definitions.yaml#/components/schemas/ErrorResponse'
+            $ref: 'definitions.yaml#/components/responses/CommonError'
     accountPay:
       parameters:
         - $ref: definitions.yaml#/components/headers/TenantId
@@ -200,7 +204,7 @@
         tags:
           - pos
         requestBody:
-          description: 账户余额消费
+          description: 主账户余额消费
           content:
             application/json:
               schema:
@@ -212,12 +216,17 @@
               application/json:
                 schema:
                   $ref: '#/components/schemas/AccountPayResponse'
-          default:
-            description: 消费失败
+          '400':
+            description: |
+              消费失败, code 用于定义错误信息
+              * short_of_balance 余额不足
+              * account_status_error 账户状态异常
             content:
               application/json:
                 schema:
                   $ref: 'definitions.yaml#/components/schemas/ErrorResponse'
+          default:
+            $ref: 'definitions.yaml#/components/responses/CommonError'
     accountPreAuthorizedDebit:
       parameters:
         - $ref: definitions.yaml#/components/headers/TenantId
@@ -237,6 +246,8 @@
               application/json:
                 schema:
                   $ref: '#/components/schemas/PreAuthorizedDebitResponse'
+          default:
+            $ref: 'definitions.yaml#/components/responses/CommonError'
     accountPreAuthorizedSettle:
       parameters:
         - $ref: definitions.yaml#/components/headers/TenantId
@@ -249,7 +260,6 @@
             application/json:
               schema:
                 $ref: '#/components/schemas/PreAuthorizedSettleRequest'
-
         responses:
           '200':
             description: 预授权交易清算成功
@@ -257,4 +267,6 @@
               application/json:
                 schema:
                   $ref: '#/components/schemas/PreAuthorizedSettleResponse'
+          default:
+            $ref: 'definitions.yaml#/components/responses/CommonError'
 
diff --git a/payapi-spec/build.gradle b/payapi-spec/build.gradle
index c4bc7c9..57f22e8 100644
--- a/payapi-spec/build.gradle
+++ b/payapi-spec/build.gradle
@@ -34,6 +34,10 @@
             interfaceOnly           : "true",
             generateAliasAsModel    : "false"
     ]
+
+    systemProperties = [
+            "hideGenerationTimestamp": true
+    ]
 }
 
 task copyApiSrc(type: Copy) {
diff --git a/payapi-spec/consumeapi.yaml b/payapi-spec/consumeapi.yaml
index 1df2d8c..a9b91b9 100644
--- a/payapi-spec/consumeapi.yaml
+++ b/payapi-spec/consumeapi.yaml
@@ -149,12 +149,8 @@
               application/json:
                 schema:
                   $ref: '#/components/schemas/QrcodePayInitResponse'
-          'default':
-            description: 请求错误
-            content:
-              application/json:
-                schema:
-                  $ref: 'definitions.yaml#/components/schemas/ErrorResponse'
+          default:
+            $ref: 'definitions.yaml#/components/responses/CommonError'
     qrcodePayConfirm:
       parameters:
         - $ref: definitions.yaml#/components/headers/TenantId
@@ -181,12 +177,8 @@
               application/json:
                 schema:
                   $ref: 'definitions.yaml#/components/schemas/ErrorResponse'
-          'default':
-            description: 交易失败
-            content:
-              application/json:
-                schema:
-                  $ref: 'definitions.yaml#/components/schemas/ErrorResponse'
+          default:
+            $ref: 'definitions.yaml#/components/responses/CommonError'
     qrcodePayQuery:
       parameters:
         - $ref: 'definitions.yaml#/components/headers/TenantId'
@@ -209,12 +201,8 @@
               application/json:
                 schema:
                   $ref: '#/components/schemas/QrcodePayConfirmResponse'
-          'default':
-            description: 查询失败
-            content:
-              application/json:
-                schema:
-                  $ref: 'definitions.yaml#/components/schemas/ErrorResponse'
+          default:
+            $ref: 'definitions.yaml#/components/responses/CommonError'
     refund:
       parameters:
         - $ref: 'definitions.yaml#/components/headers/TenantId'
@@ -236,17 +224,14 @@
                 schema:
                   $ref: '#/components/schemas/RefundResponse'
           '409':
-            description: 退款申请失败，订单号已存在或正在退款中
+            description: |
+              退款申请失败，订单号已存在或正在退款中
             content:
               application/json:
                 schema:
                   $ref: 'definitions.yaml#/components/schemas/ErrorResponse'
           default:
-            description: 退款申请失败
-            content:
-              application/json:
-                schema:
-                  $ref: 'definitions.yaml#/components/schemas/ErrorResponse'
+            $ref: 'definitions.yaml#/components/responses/CommonError'
     refundQuery:
       parameters:
         - $ref: 'definitions.yaml#/components/headers/TenantId'
@@ -276,8 +261,4 @@
                 schema:
                   $ref: 'definitions.yaml#/components/schemas/ErrorResponse'
           default:
-            description: 退款申请失败
-            content:
-              application/json:
-                schema:
-                  $ref: 'definitions.yaml#/components/schemas/ErrorResponse'
+            $ref: 'definitions.yaml#/components/responses/CommonError'
diff --git a/payapi-spec/definitions.yaml b/payapi-spec/definitions.yaml
index 4ca2848..ed1adb4 100644
--- a/payapi-spec/definitions.yaml
+++ b/payapi-spec/definitions.yaml
@@ -8,6 +8,14 @@
       schema:
         type: string
 
+  responses:
+    CommonError:
+      description: 请求失败
+      content:
+        application/json:
+          schema:
+            $ref: '#/components/schemas/ErrorResponse'
+
 
   schemas:
     ErrorResponse:
@@ -60,3 +68,36 @@
         - failed
         - already_success
         - require_query
+    UserStatus:
+      type: string
+      description: |
+        * normal 正常
+        * frozen 冻结
+        * canceled 注销
+        * closed 关闭
+        * notexists 不存在
+      enum:
+        - normal
+        - fronzen
+        - canceled
+        - closed
+        - notexists
+    SubAccountMetadata:
+      type: object
+      required:
+        - name
+        - status
+      properties:
+        name:
+          type: string
+          title: 子账户名
+        status:
+          title: 子账户状态
+          $ref: '#/components/schemas/UserStatus'
+        balance:
+          type: integer
+          title: 子账户余额
+        expire:
+          type: string
+          title: 余额有效期
+          format: date-time
diff --git a/payapi-spec/payapi-spec.yaml b/payapi-spec/payapi-spec.yaml
index 0c8efe9..b00d7ed 100644
--- a/payapi-spec/payapi-spec.yaml
+++ b/payapi-spec/payapi-spec.yaml
@@ -15,3 +15,11 @@
     $ref: consumeapi.yaml#/components/paths/refund
   /consume/refund/query/{billno}:
     $ref: consumeapi.yaml#/components/paths/refundQuery
+  /account/query:
+    $ref: accountapi.yaml#/components/paths/accountQuery
+  /account/apy:
+    $ref: accountapi.yaml#/components/paths/accountPay
+  /account/preAuthorizedDebit:
+    $ref: accountapi.yaml#/components/paths/accountPreAuthorizedDebit
+  /account/preAuthorizedSettle:
+    $ref: accountapi.yaml#/components/paths/accountPreAuthorizedSettle