diff --git a/dating-agency-mall-server/src/main/java/com/qniao/dam/infrastructure/utils/BankCardUtil.java b/dating-agency-mall-server/src/main/java/com/qniao/dam/infrastructure/utils/BankCardUtil.java
index 87fd7f1..fd80441 100644
--- a/dating-agency-mall-server/src/main/java/com/qniao/dam/infrastructure/utils/BankCardUtil.java
+++ b/dating-agency-mall-server/src/main/java/com/qniao/dam/infrastructure/utils/BankCardUtil.java
@@ -47,12 +47,22 @@ public class BankCardUtil {
             JSONObject json = JSON.parseObject(EntityUtils.toString(response.getEntity()));
             if (json.getString("success").equals("true")) {
                 // 成功
+                JSONObject dataJson = JSON.parseObject(json.getString("data"));
+                Integer result = dataJson.getInteger("result");
+                if (result != 0) {
+                    String msg = dataJson.getString("msg");
+                    log.error(msg);
+                    throw new BizException(msg);
+                }
             } else {
                 log.error("----------------银行卡二要素校验异常------------------");
                 String msg = json.getString("msg");
                 log.error(msg);
                 throw new BizException(msg);
             }
+        } catch (BizException e) {
+            log.error("银行卡校验异常", e);
+            throw new BizException(e.getMessage());
         } catch (Exception e) {
             log.error("银行卡校验异常", e);
             throw new BizException("银行卡校验异常");