diff --git a/huakai-app/App.vue b/huakai-app/App.vue
index 87de236..603d423 100644
--- a/huakai-app/App.vue
+++ b/huakai-app/App.vue
@@ -2,10 +2,10 @@
 	import { onLaunch, onShow } from '@dcloudio/uni-app'
 	import { captureAppLaunchData } from '/pageSubPack/api/appLaunch.js'
 
-	onLaunch(() => {
-		console.log('App 启动')
+	onLaunch((options) => {
+		console.log('App 启动', JSON.stringify(options))
 		// 捕获 App 跳转传入的支付参数（冷启动）
-		captureAppLaunchData()
+		captureAppLaunchData(options)
 
 		// #ifdef APP-PLUS
 		getPushCID()
diff --git a/huakai-app/pageSubPack/api/apiSub.js b/huakai-app/pageSubPack/api/apiSub.js
index 11bcc80..173bba2 100644
--- a/huakai-app/pageSubPack/api/apiSub.js
+++ b/huakai-app/pageSubPack/api/apiSub.js
@@ -46,3 +46,8 @@ export const getTopupRecordWithStat = (data) => {
 export const postSubscribeAuth = (data) => {
 	return post(`/api/wx/subscribeAuth/auth`, data)
 }
+// 获取日照银行小程序拉起参数
+export const getBankMiniProgramParams = (data) => {
+	return post('/api/pay/yidang/create', data)
+}
+
diff --git a/huakai-app/pageSubPack/api/appLaunch.js b/huakai-app/pageSubPack/api/appLaunch.js
index 4c68bc9..b1e020c 100644
--- a/huakai-app/pageSubPack/api/appLaunch.js
+++ b/huakai-app/pageSubPack/api/appLaunch.js
@@ -1,13 +1,30 @@
 /**
  * App 跳转参数处理
- * 花开物业 App 通过 path query string 将 token、支付参数传入本中间小程序。
+ * 花开物业 App 通过 launchMiniProgram 的 extraData 传入支付参数和登录凭证，
+ * 小程序通过 referrerInfo.extraData 接收（查询字符串格式）。
  *
- * App 传入示例：
- * pageSubPack/payment-list/arrearsPayment?token=xxx&userId=xxx&payAmount=10&acct=xxx&custId=xxx&sign=xxx&...
+ * extraData 示例：
+ * payAmount=10&acct=xxx&custId=xxx&token=xxx&userId=xxx&sign=xxx&...
  */
 
 const STORAGE_KEY = 'app_launch_payment_data'
 
+/**
+ * 解析查询字符串为对象
+ */
+function parseQueryString(str) {
+  if (!str || typeof str !== 'string') return null
+  const params = {}
+  str.split('&').forEach(item => {
+    const idx = item.indexOf('=')
+    if (idx === -1) return
+    const key = item.substring(0, idx)
+    const val = item.substring(idx + 1)
+    params[key] = decodeURIComponent(val || '')
+  })
+  return params
+}
+
 /**
  * 从启动参数中获取 App 传入的全部数据（支付参数 + token + userId）
  */
@@ -17,12 +34,23 @@ export function captureAppLaunchData(onShowOptions) {
   const tryGetData = (options, label) => {
     if (!options) return null
     console.log(label, JSON.stringify(options))
+
+    // 优先从 query 获取
     if (options.query && Object.keys(options.query).length > 0) {
       return options.query
     }
-    if (options?.referrerInfo?.extraData) {
-      return options.referrerInfo.extraData
+
+    // referrerInfo.extraData：可能是对象也可能是查询字符串
+    const extraData = options?.referrerInfo?.extraData
+	 console.log( ' extraData====',extraData)
+    if (extraData) {
+      if (typeof extraData === 'string') {
+        console.log(label + ' extraData 是查询字符串，解析中...')
+        return parseQueryString(extraData)
+      }
+      return extraData
     }
+
     return null
   }
 
diff --git a/huakai-app/pageSubPack/payment-list/arrearsPayment.vue b/huakai-app/pageSubPack/payment-list/arrearsPayment.vue
index d7819ce..1096484 100644
--- a/huakai-app/pageSubPack/payment-list/arrearsPayment.vue
+++ b/huakai-app/pageSubPack/payment-list/arrearsPayment.vue
@@ -28,6 +28,8 @@
 <script setup>
 import { ref, reactive } from 'vue'
 import { onShow, onLoad } from '@dcloudio/uni-app'
+import { getBankMiniProgramParams } from '/pageSubPack/api/apiSub.js'
+import { showApiError } from '/pageSubPack/api/request.js'
 import { getAppPaymentData, clearAppPaymentData, buildPaymentItemFromApp } from '/pageSubPack/api/appLaunch.js'
 
 const paymentItem = reactive({})
@@ -66,21 +68,36 @@ const loadPaymentItem = () => {
 
 const goBack = () => uni.redirectTo({ url: '/pages/paymentIndex/paymentIndex' })
 
-const handlePay = () => {
-	navigatedToPayment.value = true
-	wx.navigateToMiniProgram({
-		appId: 'wxc0189436c58b59cd',
-		path: 'pages/pay/pay',
-		extraData: { ...paymentItem },
-		envVersion: 'trial',
-		success: () => console.log('已跳转到日照银行支付小程序'),
-		fail: (err) => {
-			navigatedToPayment.value = false
-			console.error('跳转日照银行支付失败', err)
-			uni.showToast({ title: '拉起支付失败', icon: 'none' })
+const handlePay = async () => {
+		uni.showLoading({ title: '加载中...', mask: true })
+		try {
+			// 调用后端获取日照银行支付参数
+			const res = await getBankMiniProgramParams({ ...paymentItem })
+			uni.hideLoading()
+			if (res.code !== 200 || !res.data) {
+				uni.showToast({ title: res.msg || '获取支付参数失败', icon: 'none' })
+				return
+			}
+			console.log('支付参数====', JSON.stringify(res.data))
+			navigatedToPayment.value = true
+			wx.navigateToMiniProgram({
+				appId: 'wxc0189436c58b59cd',
+				path: 'pages/pay/pay',
+				extraData: res.data,
+				envVersion: 'trial',
+				success: () => console.log('已跳转到日照银行支付小程序'),
+				fail: (err) => {
+					navigatedToPayment.value = false
+					console.error('跳转日照银行支付失败', err)
+					uni.showToast({ title: '拉起支付失败', icon: 'none' })
+				}
+			})
+		} catch (err) {
+			uni.hideLoading()
+			showApiError(err)
+			console.error('支付失败：', err)
 		}
-	})
-}
+	}
 
 const handleBackToList = () => uni.redirectTo({ url: '/pages/paymentIndex/paymentIndex' })
 </script>