diff --git a/payapi-common/src/main/java/com/supwisdom/dlpay/payapi/model/QrcodePayConfirmRequest.java b/payapi-common/src/main/java/com/supwisdom/dlpay/payapi/model/QrcodePayConfirmRequest.java
index 51685c4..cc34fe2 100644
--- a/payapi-common/src/main/java/com/supwisdom/dlpay/payapi/model/QrcodePayConfirmRequest.java
+++ b/payapi-common/src/main/java/com/supwisdom/dlpay/payapi/model/QrcodePayConfirmRequest.java
@@ -13,7 +13,7 @@
 /**
  * QrcodePayConfirmRequest
  */
-@javax.annotation.Generated(value = "org.openapitools.codegen.languages.SpringCodegen", date = "2020-03-12T16:09:45.966+08:00[Asia/Shanghai]")
+@javax.annotation.Generated(value = "org.openapitools.codegen.languages.SpringCodegen", date = "2020-03-13T16:43:43.940+08:00[Asia/Shanghai]")
 
 public class QrcodePayConfirmRequest   {
   @JsonProperty("billno")
diff --git a/payapi-common/src/main/java/com/supwisdom/dlpay/payapi/model/QrcodePayConfirmResponse.java b/payapi-common/src/main/java/com/supwisdom/dlpay/payapi/model/QrcodePayConfirmResponse.java
new file mode 100644
index 0000000..71d6839
--- /dev/null
+++ b/payapi-common/src/main/java/com/supwisdom/dlpay/payapi/model/QrcodePayConfirmResponse.java
@@ -0,0 +1,216 @@
+package com.supwisdom.dlpay.payapi.model;
+
+import java.util.Objects;
+import com.fasterxml.jackson.annotation.JsonProperty;
+import com.fasterxml.jackson.annotation.JsonCreator;
+import com.fasterxml.jackson.annotation.JsonValue;
+import io.swagger.annotations.ApiModel;
+import io.swagger.annotations.ApiModelProperty;
+import org.openapitools.jackson.nullable.JsonNullable;
+import javax.validation.Valid;
+import javax.validation.constraints.*;
+
+/**
+ * QrcodePayConfirmResponse
+ */
+@javax.annotation.Generated(value = "org.openapitools.codegen.languages.SpringCodegen", date = "2020-03-13T16:43:43.940+08:00[Asia/Shanghai]")
+
+public class QrcodePayConfirmResponse   {
+  @JsonProperty("refno")
+  private String refno;
+
+  @JsonProperty("hostDate")
+  private String hostDate;
+
+  @JsonProperty("hostTime")
+  private String hostTime;
+
+  @JsonProperty("description")
+  private String description;
+
+  /**
+   * Gets or Sets result
+   */
+  public enum ResultEnum {
+    SUCCESS("success"),
+    
+    REQUIRE_QUERY("require_query"),
+    
+    ALREADY_SUCCESS("already_success"),
+    
+    FAILED("failed");
+
+    private String value;
+
+    ResultEnum(String value) {
+      this.value = value;
+    }
+
+    @Override
+    @JsonValue
+    public String toString() {
+      return String.valueOf(value);
+    }
+
+    @JsonCreator
+    public static ResultEnum fromValue(String value) {
+      for (ResultEnum b : ResultEnum.values()) {
+        if (b.value.equals(value)) {
+          return b;
+        }
+      }
+      throw new IllegalArgumentException("Unexpected value '" + value + "'");
+    }
+  }
+
+  @JsonProperty("result")
+  private ResultEnum result;
+
+  public QrcodePayConfirmResponse refno(String refno) {
+    this.refno = refno;
+    return this;
+  }
+
+  /**
+   * Get refno
+   * @return refno
+  */
+  @ApiModelProperty(value = "")
+
+@Pattern(regexp="[0-9]*") @Size(min=16) 
+  public String getRefno() {
+    return refno;
+  }
+
+  public void setRefno(String refno) {
+    this.refno = refno;
+  }
+
+  public QrcodePayConfirmResponse hostDate(String hostDate) {
+    this.hostDate = hostDate;
+    return this;
+  }
+
+  /**
+   * Get hostDate
+   * @return hostDate
+  */
+  @ApiModelProperty(value = "")
+
+@Pattern(regexp="[0-9]*") @Size(min=8,max=8) 
+  public String getHostDate() {
+    return hostDate;
+  }
+
+  public void setHostDate(String hostDate) {
+    this.hostDate = hostDate;
+  }
+
+  public QrcodePayConfirmResponse hostTime(String hostTime) {
+    this.hostTime = hostTime;
+    return this;
+  }
+
+  /**
+   * Get hostTime
+   * @return hostTime
+  */
+  @ApiModelProperty(value = "")
+
+@Pattern(regexp="[0-9]*") @Size(min=6,max=6) 
+  public String getHostTime() {
+    return hostTime;
+  }
+
+  public void setHostTime(String hostTime) {
+    this.hostTime = hostTime;
+  }
+
+  public QrcodePayConfirmResponse description(String description) {
+    this.description = description;
+    return this;
+  }
+
+  /**
+   * Get description
+   * @return description
+  */
+  @ApiModelProperty(value = "")
+
+
+  public String getDescription() {
+    return description;
+  }
+
+  public void setDescription(String description) {
+    this.description = description;
+  }
+
+  public QrcodePayConfirmResponse result(ResultEnum result) {
+    this.result = result;
+    return this;
+  }
+
+  /**
+   * Get result
+   * @return result
+  */
+  @ApiModelProperty(value = "")
+
+
+  public ResultEnum getResult() {
+    return result;
+  }
+
+  public void setResult(ResultEnum result) {
+    this.result = result;
+  }
+
+
+  @Override
+  public boolean equals(java.lang.Object o) {
+    if (this == o) {
+      return true;
+    }
+    if (o == null || getClass() != o.getClass()) {
+      return false;
+    }
+    QrcodePayConfirmResponse qrcodePayConfirmResponse = (QrcodePayConfirmResponse) o;
+    return Objects.equals(this.refno, qrcodePayConfirmResponse.refno) &&
+        Objects.equals(this.hostDate, qrcodePayConfirmResponse.hostDate) &&
+        Objects.equals(this.hostTime, qrcodePayConfirmResponse.hostTime) &&
+        Objects.equals(this.description, qrcodePayConfirmResponse.description) &&
+        Objects.equals(this.result, qrcodePayConfirmResponse.result);
+  }
+
+  @Override
+  public int hashCode() {
+    return Objects.hash(refno, hostDate, hostTime, description, result);
+  }
+
+  @Override
+  public String toString() {
+    StringBuilder sb = new StringBuilder();
+    sb.append("class QrcodePayConfirmResponse {\n");
+    
+    sb.append("    refno: ").append(toIndentedString(refno)).append("\n");
+    sb.append("    hostDate: ").append(toIndentedString(hostDate)).append("\n");
+    sb.append("    hostTime: ").append(toIndentedString(hostTime)).append("\n");
+    sb.append("    description: ").append(toIndentedString(description)).append("\n");
+    sb.append("    result: ").append(toIndentedString(result)).append("\n");
+    sb.append("}");
+    return sb.toString();
+  }
+
+  /**
+   * Convert the given object to string with each line indented by 4 spaces
+   * (except the first line).
+   */
+  private String toIndentedString(java.lang.Object o) {
+    if (o == null) {
+      return "null";
+    }
+    return o.toString().replace("\n", "\n    ");
+  }
+}
+
diff --git a/payapi-common/src/main/java/com/supwisdom/dlpay/payapi/model/QrcodePayInitRequest.java b/payapi-common/src/main/java/com/supwisdom/dlpay/payapi/model/QrcodePayInitRequest.java
index cdb426d..f3fbfac 100644
--- a/payapi-common/src/main/java/com/supwisdom/dlpay/payapi/model/QrcodePayInitRequest.java
+++ b/payapi-common/src/main/java/com/supwisdom/dlpay/payapi/model/QrcodePayInitRequest.java
@@ -13,7 +13,7 @@
 /**
  * QrcodePayInitRequest
  */
-@javax.annotation.Generated(value = "org.openapitools.codegen.languages.SpringCodegen", date = "2020-03-12T16:09:45.966+08:00[Asia/Shanghai]")
+@javax.annotation.Generated(value = "org.openapitools.codegen.languages.SpringCodegen", date = "2020-03-13T16:43:43.940+08:00[Asia/Shanghai]")
 
 public class QrcodePayInitRequest   {
   @JsonProperty("qrcode")
diff --git a/payapi-common/src/main/java/com/supwisdom/dlpay/payapi/model/QrcodePayInitResponse.java b/payapi-common/src/main/java/com/supwisdom/dlpay/payapi/model/QrcodePayInitResponse.java
new file mode 100644
index 0000000..0cce937
--- /dev/null
+++ b/payapi-common/src/main/java/com/supwisdom/dlpay/payapi/model/QrcodePayInitResponse.java
@@ -0,0 +1,156 @@
+package com.supwisdom.dlpay.payapi.model;
+
+import java.util.Objects;
+import com.fasterxml.jackson.annotation.JsonProperty;
+import com.fasterxml.jackson.annotation.JsonCreator;
+import com.supwisdom.dlpay.api.bean.ApiResponse;
+import io.swagger.annotations.ApiModel;
+import io.swagger.annotations.ApiModelProperty;
+import org.openapitools.jackson.nullable.JsonNullable;
+import javax.validation.Valid;
+import javax.validation.constraints.*;
+
+/**
+ * QrcodePayInitResponse
+ */
+@javax.annotation.Generated(value = "org.openapitools.codegen.languages.SpringCodegen", date = "2020-03-13T16:43:43.940+08:00[Asia/Shanghai]")
+
+public class QrcodePayInitResponse extends ApiResponse {
+  @JsonProperty("anonymous")
+  private Boolean anonymous;
+
+  @JsonProperty("userid")
+  private String userid;
+
+  @JsonProperty("username")
+  private String username;
+
+  @JsonProperty("sourcetype")
+  private String sourcetype;
+
+  public QrcodePayInitResponse anonymous(Boolean anonymous) {
+    this.anonymous = anonymous;
+    return this;
+  }
+
+  /**
+   * Get anonymous
+   * @return anonymous
+  */
+  @ApiModelProperty(value = "")
+
+
+  public Boolean getAnonymous() {
+    return anonymous;
+  }
+
+  public void setAnonymous(Boolean anonymous) {
+    this.anonymous = anonymous;
+  }
+
+  public QrcodePayInitResponse userid(String userid) {
+    this.userid = userid;
+    return this;
+  }
+
+  /**
+   * Get userid
+   * @return userid
+  */
+  @ApiModelProperty(value = "")
+
+
+  public String getUserid() {
+    return userid;
+  }
+
+  public void setUserid(String userid) {
+    this.userid = userid;
+  }
+
+  public QrcodePayInitResponse username(String username) {
+    this.username = username;
+    return this;
+  }
+
+  /**
+   * Get username
+   * @return username
+  */
+  @ApiModelProperty(value = "")
+
+
+  public String getUsername() {
+    return username;
+  }
+
+  public void setUsername(String username) {
+    this.username = username;
+  }
+
+  public QrcodePayInitResponse sourcetype(String sourcetype) {
+    this.sourcetype = sourcetype;
+    return this;
+  }
+
+  /**
+   * Get sourcetype
+   * @return sourcetype
+  */
+  @ApiModelProperty(value = "")
+
+
+  public String getSourcetype() {
+    return sourcetype;
+  }
+
+  public void setSourcetype(String sourcetype) {
+    this.sourcetype = sourcetype;
+  }
+
+
+  @Override
+  public boolean equals(java.lang.Object o) {
+    if (this == o) {
+      return true;
+    }
+    if (o == null || getClass() != o.getClass()) {
+      return false;
+    }
+    QrcodePayInitResponse qrcodePayInitResponse = (QrcodePayInitResponse) o;
+    return Objects.equals(this.anonymous, qrcodePayInitResponse.anonymous) &&
+        Objects.equals(this.userid, qrcodePayInitResponse.userid) &&
+        Objects.equals(this.username, qrcodePayInitResponse.username) &&
+        Objects.equals(this.sourcetype, qrcodePayInitResponse.sourcetype);
+  }
+
+  @Override
+  public int hashCode() {
+    return Objects.hash(anonymous, userid, username, sourcetype);
+  }
+
+  @Override
+  public String toString() {
+    StringBuilder sb = new StringBuilder();
+    sb.append("class QrcodePayInitResponse {\n");
+    
+    sb.append("    anonymous: ").append(toIndentedString(anonymous)).append("\n");
+    sb.append("    userid: ").append(toIndentedString(userid)).append("\n");
+    sb.append("    username: ").append(toIndentedString(username)).append("\n");
+    sb.append("    sourcetype: ").append(toIndentedString(sourcetype)).append("\n");
+    sb.append("}");
+    return sb.toString();
+  }
+
+  /**
+   * Convert the given object to string with each line indented by 4 spaces
+   * (except the first line).
+   */
+  private String toIndentedString(java.lang.Object o) {
+    if (o == null) {
+      return "null";
+    }
+    return o.toString().replace("\n", "\n    ");
+  }
+}
+
diff --git a/payapi-spec/consumeapi.yaml b/payapi-spec/consumeapi.yaml
index 4d62dd5..1aa2630 100644
--- a/payapi-spec/consumeapi.yaml
+++ b/payapi-spec/consumeapi.yaml
@@ -124,7 +124,8 @@
             description: 初始化成功
             content:
               application/json:
-                $ref: '#/components/schemas/QrcodePayInitResponse'
+                schema:
+                  $ref: '#/components/schemas/QrcodePayInitResponse'
           'default':
             description: 请求错误
             content:
@@ -148,7 +149,8 @@
             description: 交易成功
             content:
               application/json:
-                $ref: '#/components/schemas/QrcodePayConfirmResponse'
+                schema:
+                  $ref: '#/components/schemas/QrcodePayConfirmResponse'
           '409':
             description: 交易正忙，稍后重试
             content:
diff --git a/payapi/src/main/kotlin/com/supwisdom/dlpay/api/controller/k12_consume_api_controller.kt b/payapi/src/main/kotlin/com/supwisdom/dlpay/api/controller/k12_consume_api_controller.kt
new file mode 100644
index 0000000..5fe60fe
--- /dev/null
+++ b/payapi/src/main/kotlin/com/supwisdom/dlpay/api/controller/k12_consume_api_controller.kt
@@ -0,0 +1,249 @@
+package com.supwisdom.dlpay.api
+
+import com.supwisdom.dlpay.agent.AgentCode
+import com.supwisdom.dlpay.agent.AgentPayService
+import com.supwisdom.dlpay.agent.AgentPayServiceContext
+import com.supwisdom.dlpay.agent.domain.QrcodePayTrans
+import com.supwisdom.dlpay.agent.service.AgentServiceProxy
+import com.supwisdom.dlpay.api.bean.QrcodePayResponse
+import com.supwisdom.dlpay.api.service.*
+import com.supwisdom.dlpay.exception.TransactionCheckException
+import com.supwisdom.dlpay.framework.ResponseBodyBuilder
+import com.supwisdom.dlpay.framework.service.SystemUtilService
+import com.supwisdom.dlpay.framework.util.Dictionary
+import com.supwisdom.dlpay.framework.util.TradeCode
+import com.supwisdom.dlpay.framework.util.TradeDict
+import com.supwisdom.dlpay.framework.util.TradeErrorCode
+import com.supwisdom.dlpay.payapi.model.QrcodePayConfirmRequest
+import com.supwisdom.dlpay.payapi.model.QrcodePayInitRequest
+import com.supwisdom.dlpay.payapi.model.QrcodePayInitResponse
+import org.apache.commons.lang3.StringUtils
+import org.springframework.http.HttpStatus
+import org.springframework.http.ResponseEntity
+import org.springframework.stereotype.Controller
+import org.springframework.web.bind.annotation.RequestMapping
+import org.springframework.web.context.request.NativeWebRequest
+
+import javax.validation.Valid
+import java.util.Optional
+
+@Controller
+@RequestMapping("\${openapi.aPITitle.base-path:/api}")
+class K12ConsumeApiController
+constructor(private val request: NativeWebRequest,
+            private val agentServiceProxy: AgentServiceProxy,
+            private val systemUtilService: SystemUtilService,
+            private val sourceTypeService: SourceTypeService,
+            private val agentPayServiceContext: AgentPayServiceContext,
+            private val userService: UserService,
+            private val consumePayService: ConsumePayService,
+            private val transactionService: TransactionServiceProxy,
+            private val accountUtilServcie: AccountUtilServcie ) : ConsumeApi {
+
+    override fun getRequest(): Optional<NativeWebRequest> {
+        return Optional.ofNullable(request)
+    }
+
+    override fun qrcodePayInit(xTenantId: String, @Valid param: QrcodePayInitRequest): ResponseEntity<Void> {
+        val apiResp = QrcodePayInitResponse()
+        // 1. 检查 qrcode
+        val qrcode = agentServiceProxy.qrcodeMatch(param.qrcode)
+                ?: return ResponseBodyBuilder.badRequest("未识别的支付码") as ResponseEntity<Void>
+
+        val sourceType = sourceTypeService.getBySourceType(qrcode.sourceType)
+                ?: return ResponseBodyBuilder.badRequest(
+                        "不支持的支付方式<${qrcode.sourceType}>") as ResponseEntity<Void>
+        if (sourceType.paySubjno.isEmpty()
+                || !StringUtils.isNumeric(sourceType.paySubjno)) {
+            return ResponseBodyBuilder.notFound(
+                    "支付方式<${qrcode.sourceType}>未配置科目号") as ResponseEntity<Void>
+        }
+        val systime = systemUtilService.sysdatetime
+        // 2. 记录 qrcode 交易明细表
+        val qrcodeTrans = agentServiceProxy.qrcodePayTransSaveOrUpdate(
+                QrcodePayTrans().apply {
+                    this.agentMerchId = param.shopaccno
+                    this.billno = param.billno
+                    this.qrcode = param.qrcode
+                    this.createTime = systime.sysdate
+                    this.hostdate = systime.hostdate
+                    this.sourceType = sourceType.sourceType
+                    this.updateTime = systime.sysdate
+                })
+        // 3. 查询用户身份
+        val service = createAgentService<QrcodePayTrans>(qrcode.sourceType)
+        val agentResp = service.auth(param.shopaccno, param.billno)
+        // 4. 重新读取 qrcode 交易明细表，以获取 service.auth 查询后的结果数据
+        // 修改， 通过返回值来判断
+//        val qrcodeTransResp = agentServiceProxy.qrcodePayTransFindByMerchIdAndBillno(qrcodeTrans.agentMerchId,
+//                qrcodeTrans.billno)
+        apiResp.also {
+            it.sourcetype = sourceType.sourceType
+        }
+        return when (agentResp.code) {
+            AgentCode.SUCCESS -> {
+                val qrcodeTransResp = agentResp.payload
+                // 更新qrcode交易明细表 是否匿名 字段
+                agentServiceProxy.qrcodePayTransSaveOrUpdate(qrcodeTrans.also{
+                    it.isAnonymous = qrcodeTransResp.isAnonymous
+                })
+                if (!sourceType.anonymousEnable && qrcodeTransResp.isAnonymous) {
+                    ResponseBodyBuilder.failEntity(apiResp,
+                            HttpStatus.BAD_REQUEST.value(),
+                            "支付方式<${qrcode.sourceType}> 不支持匿名支付") as ResponseEntity<Void>
+                } else {
+                    val person = userService.findByUseridOrThirdUniqueIdenty(qrcodeTransResp.userid, null)
+                    ResponseBodyBuilder.successEntity(
+                            QrcodePayInitResponse().apply {
+                                this.anonymous = qrcodeTransResp.isAnonymous
+                                this.sourcetype = sourceType.sourceType
+                                this.userid = qrcodeTransResp.agentUserId
+                                this.username = person!!.name
+                            }
+                    ) as ResponseEntity<Void>
+                }
+            }
+            AgentCode.NOT_SUPPORT -> {
+                val qrcodeTransResp = agentResp.payload
+                agentServiceProxy.qrcodePayTransSaveOrUpdate(qrcodeTrans.also{
+                    it.isAnonymous = qrcodeTransResp.isAnonymous
+                })
+                if (!sourceType.anonymousEnable) {
+                    ResponseBodyBuilder.failEntity(apiResp,
+                            HttpStatus.BAD_REQUEST.value(),
+                            "支付方式<${qrcode.sourceType}> 不支持匿名支付") as ResponseEntity<Void>
+                } else {
+                    ResponseBodyBuilder.successEntity(apiResp.also {
+                        it.anonymous = qrcodeTransResp.isAnonymous
+                    }) as ResponseEntity<Void>
+                }
+            }
+            else -> {
+                ResponseBodyBuilder.failEntity(apiResp,
+                        HttpStatus.INTERNAL_SERVER_ERROR.value(),
+                        "第三方身份错误,<${agentResp.agentMsg}") as ResponseEntity<Void>
+            }
+        }
+    }
+
+    fun <T> createAgentService(sourceType: String): AgentPayService<T> {
+        return agentPayServiceContext.findAgentPayService(sourceType)
+                ?: throw TransactionCheckException(TradeErrorCode.BUSINESS_DEAL_ERROR,
+                        "支付类型<$sourceType>未定义")
+    }
+
+//    override fun qrcodePayConfirm(xTenantId: String, @Valid param: QrcodePayConfirmRequest): ResponseEntity<Void> {
+//        //1. 交易检查
+//        val apiResponse = QrcodePayResponse()
+//        val qrcodeTrans = agentServiceProxy.qrcodePayTransFindByMerchIdAndBillno(param.shopaccno,
+//                param.billno) ?: return ResponseBodyBuilder.notFound(
+//                "未找到billno") as ResponseEntity<Void>
+//        if (!qrcodeTrans.refno.isNullOrEmpty()) {
+//            return ResponseEntity.ok(ResponseBodyBuilder.create()
+//                    .fail(apiResponse, TradeErrorCode.BUSINESS_DEAL_ERROR, "该交易已确认，请查询结果"))
+//        }
+//
+//        if (qrcodeTrans.qrcode != param.qrcode && param.qrcode.isNotEmpty()) {
+//            val qrcode = agentServiceProxy.qrcodeMatch(param.qrcode)
+//                    ?: return ResponseEntity.ok(ResponseBodyBuilder.create()
+//                            .fail(apiResponse, TradeErrorCode.BUSINESS_DEAL_ERROR, "未识别的支付码"))
+//            if (qrcodeTrans.sourceType != qrcode.sourceType) {
+//                return ResponseEntity.ok(ResponseBodyBuilder.create()
+//                        .fail(apiResponse, TradeErrorCode.BUSINESS_DEAL_ERROR, "支付码不符"))
+//            }
+//            qrcodeTrans.qrcode = param.qrcode
+//        }
+//
+//        val sourceType = sourceTypeService.getBySourceType(qrcodeTrans.sourceType)
+//                ?: return ResponseEntity.ok(ResponseBodyBuilder.create()
+//                        .fail(apiResponse, TradeErrorCode.BUSINESS_DEAL_ERROR,
+//                                "不支持的支付方式<${qrcodeTrans.sourceType}>"))
+//        if (!sourceType.anonymousEnable && qrcodeTrans.isAnonymous) {
+//            return ResponseEntity.ok(ResponseBodyBuilder.create()
+//                    .fail(apiResponse, TradeErrorCode.BUSINESS_DEAL_ERROR,
+//                            "支付方式<${qrcodeTrans.sourceType}>不支持匿名支付"))
+//        }
+//        qrcodeTrans.spip = param.spip
+//        val dtlType = consumePayService.getDtltypeDictionary(param.dtltype, Dictionary.DTLTYPES)
+//        //2. 初始化交易流水
+//        // sourcetype 资产类科目
+//        val stSubject = accountUtilServcie.readSubject(sourceType.paySubjno)
+//        // build 交易明细
+//        val builder = TransactionBuilder().apply {
+//            setTransInfo(param.transdate, param.transtime, TradeCode.TRANSCODE_QRCODE, qrcodeTrans.sourceType)
+//            setOutTransInfo(qrcodeTrans.agentMerchId, qrcodeTrans.billno)
+//            payinfo = qrcodeSummary(sourceType)
+//            description = dtlType.dictcaption
+//            dtltype = param.dtltype
+//        }
+//
+//        val shopacc = accountUtilServcie.readShopbyShopaccno(qrcodeTrans.agentMerchId)
+//        val amount = param.amount / 100.0
+//        builder.shop(shopacc).apply {
+//            setAmount(amount, TradeDict.TRADE_FLAG_IN)
+//        }
+//        if (qrcodeTrans.isAnonymous) {
+//            builder.anonymous().apply {
+//                setAmount(amount, TradeDict.TRADE_FLAG_OUT)
+//                setOpposite(shopacc.shopaccno, shopacc.shopname)
+//            }.and() // 匿名消费时，借 科目 ， 贷 商户
+//                    .addDebitCreditRecord(AccountProxy(stSubject), AccountProxy(shopacc),
+//                            amount, qrcodeSummary(sourceType))
+//        } else {
+//            val account = accountUtilServcie.readAccount(param.userid)
+//            builder.person(account).apply {
+//                setAmount(amount, TradeDict.TRADE_FLAG_OUT)
+//                setOpposite(shopacc.shopaccno, shopacc.shopname)
+//            }.and().shop().apply {
+//                setOpposite(account.accno, account.accname)
+//            }.and() // 实名消费时， 1. 借 科目， 贷 个人账户 ；2. 借 个人账户 贷 商户
+//                    .addDebitCreditRecord(AccountProxy(stSubject), AccountProxy(account),
+//                            amount, qrcodeSummary(sourceType))
+//                    .addDebitCreditRecord(AccountProxy(account), AccountProxy(shopacc),
+//                            amount, qrcodeSummary(sourceType))
+//        }
+//
+//        // 同一个客户ID + billno 是唯一索引，如果重复请求不能保存
+//        val transaction = builder.init(transactionService)
+//
+//        // qrcode 交易明细表记录 refno
+//        qrcodeTrans.refno = transaction.refno
+//        // 保存失败，可能客户端重复请求，导致前序交易已完成
+//        agentServiceProxy.qrcodePayTransSaveOrUpdate(qrcodeTrans)
+//
+//        //3. 调用第三方支付
+//        transactionService.wip(transaction.refno)
+//        val service = createAgentService<QrcodePayTrans>(qrcodeTrans.sourceType)
+//        apiResponse.apply {
+//            refno = transaction.refno
+//            accdate = transaction.accdate
+//            isRequireQuery = false
+//            anonymous = qrcodeTrans.isAnonymous
+//        }
+//
+//        val response = service.pay(transaction)
+//        return when (response.code) {
+//            AgentCode.SUCCESS -> {
+//                transactionService.success(transaction.refno, response.agentRefno)
+//                ResponseEntity.ok(ResponseBodyBuilder.create()
+//                        .success(apiResponse))
+//            }
+//            AgentCode.REQUIRE_QUERY -> {
+//                ResponseEntity.ok(ResponseBodyBuilder.create()
+//                        .success(apiResponse.also {
+//                            it.isRequireQuery = true
+//                        }))
+//            }
+//            else -> {
+//                transactionService.fail(transaction.refno, response.agentMsg)
+//                ResponseEntity.ok(ResponseBodyBuilder.create()
+//                        .fail(apiResponse, TradeErrorCode.BUSINESS_DEAL_ERROR,
+//                                "第三方身份错误,<${response.agentMsg}"))
+//            }
+//        }
+//    }
+//
+//    override fun qrcodePayQuery(xTenantId: String, refno: String): ResponseEntity<Void> {
+//        return null
+//    }
+}
\ No newline at end of file