diff --git a/业务梳理/退款逻辑.md b/业务梳理/退款逻辑.md
index c3dd6d5..5b63bea 100644
--- a/业务梳理/退款逻辑.md
+++ b/业务梳理/退款逻辑.md
@@ -108,3 +108,51 @@ refund_state =0 是未退款的
 
 
 
+tkMoneyFaZhi
+
+| tkMoneyFaZhi | 退款金额阀值 | 50   |
+| ------------ | ------------ | ---- |
+|              |              |      |
+
+```sql
+ SELECT
+      ifnull( te.id, '' ) rechargeId,
+      ifnull( date_format( refund_time, '%Y-%m-%d %H:%i:%s' ), '' ) refundTime,
+      ifnull( date_format( pay_time, '%Y-%m-%d %H:%i:%s' ), '' ) payTime,
+      ifnull( refund_money, '' ) refundMoney,
+      ifnull( refund_state, '' ) refundState,
+      ifnull( pay_money, '' ) payMoney,
+      ifnull( tu.id, '' ) userId,
+      ifnull( tu.phone, '' ) phone,
+      ifnull( refund_memo, '' ) refundMemo,
+      ifnull( outtradeno, '' ) outTradeNo,
+      ifnull( refund_outtradno, '' ) refundOuttradno,
+      ifnull( refund_operer, '' ) refundOperer,
+      ifnull( pay_type, '' ) payType,
+      ifnull( tu.user_type, '' ) userType,
+      ifnull( te.refund_reason, '' ) refundReason,
+      ifnull( tu.user_name, '' ) userName,
+      ifnull( te.refund_apply_time, '' ) refundApplyTime,
+      ifnull( te.refund_image, '' ) refundImage,
+      tu.user_owner_id as userOwnerId
+    FROM
+      t_account_recharge te
+    LEFT JOIN t_user tu ON te.user_id = tu.id
+    LEFT JOIN t_user_card c ON tu.id = c.user_id
+    WHERE
+       outtradeno='4200002307202408129671269468'    
+```
+
+
+
+D:\dsWork\YltProject\Ylt\ms-finance\src\main\java\com\charge\finance\service\impl\RefundBalanceServiceImpl.java
+
+```
+ /**
+     * 后台退款-消费平账接口
+     */
+    @Override
+    @Transactional(propagation= Propagation.REQUIRED,isolation= Isolation.DEFAULT)
+    public ResultVO operateAccount(AdminFinanceDTO adminFinanceDTO) 
+```
+