diff --git a/inside-notices/src/main/java/cn/axzo/msg/center/message/service/gateway/BackCardApiGateway.java b/inside-notices/src/main/java/cn/axzo/msg/center/message/service/gateway/BackCardApiGateway.java
new file mode 100644
index 00000000..9910dc7e
--- /dev/null
+++ b/inside-notices/src/main/java/cn/axzo/msg/center/message/service/gateway/BackCardApiGateway.java
@@ -0,0 +1,12 @@
+package cn.axzo.msg.center.message.service.gateway;
+
+import cn.axzo.meepo.api.definition.bankcard.query.dto.response.WorkerBankCardApiRes;
+
+import java.util.List;
+
+
+public interface BackCardApiGateway {
+
+    List<WorkerBankCardApiRes> getPersonBackCard(List<Long> personIds);
+
+}
diff --git a/inside-notices/src/main/java/cn/axzo/msg/center/message/service/gateway/impl/BackCardApiGatewayImpl.java b/inside-notices/src/main/java/cn/axzo/msg/center/message/service/gateway/impl/BackCardApiGatewayImpl.java
new file mode 100644
index 00000000..a60ea243
--- /dev/null
+++ b/inside-notices/src/main/java/cn/axzo/msg/center/message/service/gateway/impl/BackCardApiGatewayImpl.java
@@ -0,0 +1,49 @@
+package cn.axzo.msg.center.message.service.gateway.impl;
+
+import cn.axzo.framework.domain.web.result.ApiResult;
+import cn.axzo.meepo.api.definition.bankcard.query.BankCardApi;
+import cn.axzo.meepo.api.definition.bankcard.query.dto.response.WorkerBankCardApiRes;
+import cn.axzo.msg.center.common.utils.BizAssertions;
+import cn.axzo.msg.center.message.service.gateway.BackCardApiGateway;
+import cn.azxo.framework.common.logger.MethodAroundLog;
+import cn.azxo.framework.common.utils.LogUtil;
+import cn.hutool.json.JSONUtil;
+import lombok.extern.slf4j.Slf4j;
+import org.springframework.beans.factory.annotation.Autowired;
+import org.springframework.http.HttpStatus;
+import org.springframework.stereotype.Component;
+
+import java.util.Collections;
+import java.util.List;
+import java.util.Objects;
+
+/**
+ * @ClassName BackCardApiGateway
+ * @Author zhangRan
+ * @Date 2023/6/25 10:58
+ * @Description 银行卡
+ **/
+
+@Component
+@Slf4j
+public class BackCardApiGatewayImpl implements BackCardApiGateway {
+
+    @Autowired
+    private BankCardApi bankCardApi;
+
+    @MethodAroundLog(source = "msg-center", target = "meepo", value = "用户银行卡列表")
+    public List<WorkerBankCardApiRes> getPersonBackCard(List<Long> personIds) {
+        log.info("用户银行卡列表 用户id = {}", JSONUtil.toJsonStr(personIds));
+        List<WorkerBankCardApiRes> result = Collections.emptyList();
+        try {
+            ApiResult<List<WorkerBankCardApiRes>> response = bankCardApi.batchGetBankCardByPersonId(personIds);
+            log.info("用户银行卡列表 personIds={}, result={}", JSONUtil.toJsonStr(personIds), JSONUtil.toJsonStr(response));
+            return BizAssertions.assertResponse(response);
+        } catch (Exception ex) {
+            log.error("请求 meepo【用户银行卡列表】 发生异常", ex);
+        }
+        return result;
+    }
+
+
+}
diff --git a/inside-notices/src/main/java/cn/axzo/msg/center/message/service/impl/v3/V3ExtPopulator.java b/inside-notices/src/main/java/cn/axzo/msg/center/message/service/impl/v3/V3ExtPopulator.java
index e49921d9..53888d21 100644
--- a/inside-notices/src/main/java/cn/axzo/msg/center/message/service/impl/v3/V3ExtPopulator.java
+++ b/inside-notices/src/main/java/cn/axzo/msg/center/message/service/impl/v3/V3ExtPopulator.java
@@ -1,20 +1,12 @@
 package cn.axzo.msg.center.message.service.impl.v3;
 
 import cn.axzo.basics.profiles.api.UserProfileServiceApi;
-import cn.axzo.basics.profiles.dto.basic.AbstractIdentityProfileDto;
-import cn.axzo.basics.profiles.dto.basic.BasicDto;
-import cn.axzo.basics.profiles.dto.basic.PersonProfileDto;
-import cn.axzo.basics.profiles.dto.basic.ProfessionTagDto;
-import cn.axzo.basics.profiles.dto.basic.WorkerProfileDto;
-import cn.axzo.meepo.api.definition.bankcard.query.BankCardApi;
+import cn.axzo.basics.profiles.dto.basic.*;
 import cn.axzo.meepo.api.definition.bankcard.query.dto.response.WorkerBankCardApiRes;
 import cn.axzo.msg.center.common.utils.BizAssertions;
+import cn.axzo.msg.center.message.service.gateway.BackCardApiGateway;
 import cn.axzo.msg.center.service.enums.KVContentType;
-import cn.axzo.msg.center.service.pending.response.v3.model.ComponentWorkerGroup;
-import cn.axzo.msg.center.service.pending.response.v3.model.ParsedKV;
-import cn.axzo.msg.center.service.pending.response.v3.model.ParsedModelV3;
-import cn.axzo.msg.center.service.pending.response.v3.model.PersonInfo;
-import cn.axzo.msg.center.service.pending.response.v3.model.WorkerInfo;
+import cn.axzo.msg.center.service.pending.response.v3.model.*;
 import cn.axzo.trade.datasecurity.core.util.DataSecurityHelper;
 import lombok.RequiredArgsConstructor;
 import lombok.extern.slf4j.Slf4j;
@@ -22,17 +14,10 @@ import org.apache.commons.collections.CollectionUtils;
 import org.apache.commons.lang3.StringUtils;
 import org.springframework.stereotype.Component;
 
-import java.util.ArrayList;
-import java.util.Collections;
-import java.util.List;
-import java.util.Map;
-import java.util.Objects;
+import java.util.*;
 
 import static java.util.function.Function.identity;
-import static java.util.stream.Collectors.groupingBy;
-import static java.util.stream.Collectors.joining;
-import static java.util.stream.Collectors.toList;
-import static java.util.stream.Collectors.toMap;
+import static java.util.stream.Collectors.*;
 
 /**
  * @author yanglin
@@ -43,7 +28,8 @@ import static java.util.stream.Collectors.toMap;
 public class V3ExtPopulator {
 
     private final UserProfileServiceApi userProfileServiceApi;
-    private final BankCardApi bankCardApi;
+
+    private final BackCardApiGateway backCardApiGateway;
 
     public void populate(ParsedModelV3... models) {
         ArrayList<ParsedKV> personKeyValues = new ArrayList<>();
@@ -107,8 +93,12 @@ public class V3ExtPopulator {
                 .distinct()
                 .collect(toList());
         List<WorkerBankCardApiRes> bankCardRes = null;
-        if (CollectionUtils.isNotEmpty(personIds))
-            bankCardRes = BizAssertions.assertResponse(bankCardApi.batchGetBankCardByPersonId(personIds));
+        if (CollectionUtils.isNotEmpty(personIds)){
+            bankCardRes = backCardApiGateway.getPersonBackCard(personIds);
+//            bankCardRes = BizAssertions.assertResponse(bankCardApi.batchGetBankCardByPersonId(personIds));
+        }
+
+
         Map<Long, List<WorkerBankCardApiRes>> personId2BankCard = bankCardRes == null
                 ? Collections.emptyMap()
                 : bankCardRes.stream().collect(groupingBy(WorkerBankCardApiRes::getPersonId));