diff --git a/src/main/java/com/xkrs/common/config/WebSecurityConfig.java b/src/main/java/com/xkrs/common/config/WebSecurityConfig.java
index 4b640ec..fe1b900 100644
--- a/src/main/java/com/xkrs/common/config/WebSecurityConfig.java
+++ b/src/main/java/com/xkrs/common/config/WebSecurityConfig.java
@@ -44,6 +44,7 @@ class WebSecurityConfig extends WebSecurityConfigurerAdapter {
                 // 手机号登录
                 .antMatchers(HttpMethod.POST,"/api/user/loginByPhone").permitAll()
                 .antMatchers(HttpMethod.POST,"/qiNiuUploadFile").permitAll()
+                .antMatchers(HttpMethod.POST,"/merchantSettlement").permitAll()
                 // 所有其它请求需要身份认证
                 .anyRequest().authenticated()
                 .and()
diff --git a/src/main/java/com/xkrs/controller/MerchantSettlementController.java b/src/main/java/com/xkrs/controller/MerchantSettlementController.java
index a23f90f..12710a5 100644
--- a/src/main/java/com/xkrs/controller/MerchantSettlementController.java
+++ b/src/main/java/com/xkrs/controller/MerchantSettlementController.java
@@ -60,7 +60,7 @@ public class MerchantSettlementController {
         String businessLicense = (String) map.get("businessLicense");
         Double businessDiscount = (Double) map.get("businessDiscount");
         String headIdentifier = (String) map.get("headIdentifier");
-        List<BankCardQo> bankCardQos = (List<BankCardQo>) map.get("bankCardQos");
+        List<Object> bankCardQos = (List<Object>) map.get("bankCardQos");
         String verificationCode = (String) map.get("verificationCode");
         BusinessQo businessQo = new BusinessQo();
         businessQo.setBusinessName(businessName);
diff --git a/src/main/java/com/xkrs/service/MerchantSettlementService.java b/src/main/java/com/xkrs/service/MerchantSettlementService.java
index 6e108d6..7bd6d5f 100644
--- a/src/main/java/com/xkrs/service/MerchantSettlementService.java
+++ b/src/main/java/com/xkrs/service/MerchantSettlementService.java
@@ -25,7 +25,7 @@ public interface MerchantSettlementService {
      * @return
      * @throws IOException
      */
-    String merchantSettlement(BusinessQo businessQo, List<BankCardQo> bankCardQos) throws IOException;
+    String merchantSettlement(BusinessQo businessQo, List<Object> bankCardQos) throws IOException;
 
     /**
      * 通过状态查询商家入驻信息
diff --git a/src/main/java/com/xkrs/service/impl/MerchantSettlementServiceImpl.java b/src/main/java/com/xkrs/service/impl/MerchantSettlementServiceImpl.java
index 60495d6..07aea86 100644
--- a/src/main/java/com/xkrs/service/impl/MerchantSettlementServiceImpl.java
+++ b/src/main/java/com/xkrs/service/impl/MerchantSettlementServiceImpl.java
@@ -1,5 +1,7 @@
 package com.xkrs.service.impl;
 
+import com.alibaba.fastjson.JSON;
+import com.alibaba.fastjson.JSONObject;
 import com.aliyuncs.dysmsapi.model.v20170525.SendSmsResponse;
 import com.aliyuncs.exceptions.ClientException;
 import com.xkrs.common.encapsulation.PromptMessageEnum;
@@ -63,7 +65,7 @@ public class MerchantSettlementServiceImpl implements MerchantSettlementService
      * @return
      */
     @Override
-    public String merchantSettlement(BusinessQo businessQo, List<BankCardQo> bankCardQos) throws IOException {
+    public String merchantSettlement(BusinessQo businessQo, List<Object> bankCardQos) throws IOException {
         Locale locale = LocaleContextHolder.getLocale();
         BusinessEntity byBusinessName = businessDao.findByBusinessName(businessQo.getBusinessName());
         if(byBusinessName != null){
@@ -71,16 +73,18 @@ public class MerchantSettlementServiceImpl implements MerchantSettlementService
         }
         BusinessEntity byBusinessPhone = businessDao.findByBusinessPhone(businessQo.getBusinessPhone());
         if(byBusinessPhone != null){
-            return outputEncapsulationObject(PromptMessageEnum.FILE_EXISTS,"您已入驻，请勿重复入驻或提交！",locale);
+            return outputEncapsulationObject(PromptMessageEnum.FILE_EXISTS,"该手机号已用于入驻，请勿重复使用！",locale);
         }
-        for(BankCardQo bankCardQo : bankCardQos){
-            Map<String, Object> stringObjectMap = VerifyBankCardUtil.checkBankCar(bankCardQo.getBankCardNumber());
+        for(Object bankCardQo : bankCardQos){
+            JSONObject jsonObject = JSON.parseObject(JSON.toJSONString(bankCardQo));
+            BankCardQo bankCardQo1 = jsonObject.toJavaObject(BankCardQo.class);
+            Map<String, Object> stringObjectMap = VerifyBankCardUtil.checkBankCar(bankCardQo1.getBankCardNumber());
             if(!((Boolean) stringObjectMap.get("card")) || "findNotName".equals(stringObjectMap.get("cardName").toString())){
                 return outputEncapsulationObject(PromptMessageEnum.DATA_WRONG,"银行卡信息有误，请检查重新填写！",locale);
             }
             BankCardEntity bankCardEntity = new BankCardEntity();
-            bankCardEntity.setBankCardNumber(bankCardQo.getBankCardNumber());
-            bankCardEntity.setAccountBank(bankCardQo.getAccountBank());
+            bankCardEntity.setBankCardNumber(bankCardQo1.getBankCardNumber());
+            bankCardEntity.setAccountBank(bankCardQo1.getAccountBank());
             bankCardEntity.setBankName(stringObjectMap.get("cardName").toString());
 //            bankCardEntity.setBusinessId(businessId);
             bankCardEntity.setBusinessPhone(businessQo.getBusinessPhone());