diff --git a/app/controller/api/store/merchant/Merchant.php b/app/controller/api/store/merchant/Merchant.php
index f499306a..18c98a9d 100644
--- a/app/controller/api/store/merchant/Merchant.php
+++ b/app/controller/api/store/merchant/Merchant.php
@@ -170,6 +170,9 @@ class Merchant extends BaseController
                 'interest_rate',
             ]);
 
+            if(empty($data['service_phone'])) {
+                return app('json')->fail('客户电话不能为空');
+            }
             // 如果手机号不存在，则使用入驻时的手机号
             $data['service_phone'] = empty($data['service_phone'])?$merchant['mer_phone']:$data['service_phone'];
 
diff --git a/app/controller/api/store/merchant/MerchantIntention.php b/app/controller/api/store/merchant/MerchantIntention.php
index 0b814ec1..b3758bb3 100644
--- a/app/controller/api/store/merchant/MerchantIntention.php
+++ b/app/controller/api/store/merchant/MerchantIntention.php
@@ -115,6 +115,33 @@ class MerchantIntention extends BaseController
 
     public function businessApply()
     {
+        $data = $this->request->params([
+            'phone', 
+            'mer_name',
+            'company_name',
+            'address', 
+            'name', 
+            'code', 
+            'images', 
+            'merchant_category_id', 
+            'mer_type_id',
+            'social_credit_code',
+            'area_id',
+            'street_id',
+            'village_id',
+            'is_nmsc',
+            'bank_username',
+            'bank_opening',
+            'bank_front',
+            'bank_back',
+            'cardno_front',
+            'cardno_back',
+        ]);
+
+        if (empty($data['bank_username']) || empty($data['bank_opening']) || empty($data['bank_front']) || empty($data['bank_back']) || empty($data['cardno_front']) || empty($data['cardno_back'])) {
+            return app('json')->fail('请完善银行卡及身份信息');
+        }
+
         if (!systemConfig('mer_intention_open')) {
             return app('json')->fail('未开启商户入驻');
         }
@@ -130,6 +157,14 @@ class MerchantIntention extends BaseController
         if (empty($intenInfo)) {
             return app('json')->fail('商户状态异常');
         }
+
+        $intenInfo['bank_username'] = $data['bank_username'];
+        $intenInfo['bank_opening'] = $data['bank_opening'];
+        $intenInfo['bank_front'] = $data['bank_front'];
+        $intenInfo['bank_back'] = $data['bank_back'];
+        $intenInfo['cardno_front'] = $data['cardno_front'];
+        $intenInfo['cardno_back'] = $data['cardno_back'];
+
         $intenInfo['type'] = 2;
         $intenInfo['status'] = 0;
         $intenInfo['create_time'] = date('Y-m-d H:i:s');
@@ -150,6 +185,12 @@ class MerchantIntention extends BaseController
             'area' => $intenInfo['area_id'] ?? '',
             'street' =>  $intenInfo['street_id'] ?? '',
             'address' =>  $intenInfo['address'] ?? '',
+            'bank_username' => $data['bank_username'] ?? '',
+            'bank_opening' => $data['bank_opening'] ?? '',
+            'bank_front' => $data['bank_front'] ?? '',
+            'bank_back' => $data['bank_back'] ?? '',
+            'cardno_front' => $data['cardno_front'] ?? '',
+            'cardno_back' => $data['cardno_back'] ?? '',
             'mer_intention_id' =>  $intentionId
         ];
         $postUrl = env('TASK_WORKER_HOST_URL') . '/adminapi/company/createShopMerchant';