diff --git a/xkt/src/main/java/com/ruoyi/xkt/dto/account/ExternalAccountUpdateDTO.java b/xkt/src/main/java/com/ruoyi/xkt/dto/account/ExternalAccountUpdateDTO.java
new file mode 100644
index 000000000..a2ea999e5
--- /dev/null
+++ b/xkt/src/main/java/com/ruoyi/xkt/dto/account/ExternalAccountUpdateDTO.java
@@ -0,0 +1,35 @@
+package com.ruoyi.xkt.dto.account;
+
+import lombok.Data;
+
+/**
+ * @author liangyq
+ * @date 2025-04-23 15:03
+ */
+@Data
+public class ExternalAccountUpdateDTO {
+    /**
+     * ID
+     */
+    private Long id;
+    /**
+     * 归属人实际账户
+     */
+    private String accountOwnerNumber;
+    /**
+     * 归属人真实姓名
+     */
+    private String accountOwnerName;
+    /**
+     * 归属人手机号
+     */
+    private String accountOwnerPhoneNumber;
+    /**
+     * 归属人认证通过
+     */
+    private Boolean accountAuthAccess;
+    /**
+     * 备注
+     */
+    private String remark;
+}
diff --git a/xkt/src/main/java/com/ruoyi/xkt/service/IExternalAccountService.java b/xkt/src/main/java/com/ruoyi/xkt/service/IExternalAccountService.java
index 67405100c..4215a0d82 100644
--- a/xkt/src/main/java/com/ruoyi/xkt/service/IExternalAccountService.java
+++ b/xkt/src/main/java/com/ruoyi/xkt/service/IExternalAccountService.java
@@ -2,6 +2,7 @@ package com.ruoyi.xkt.service;
 
 import com.ruoyi.xkt.domain.ExternalAccount;
 import com.ruoyi.xkt.dto.account.ExternalAccountAddDTO;
+import com.ruoyi.xkt.dto.account.ExternalAccountUpdateDTO;
 import com.ruoyi.xkt.dto.finance.TransInfo;
 import com.ruoyi.xkt.enums.*;
 
@@ -68,8 +69,8 @@ public interface IExternalAccountService {
     /**
      * 修改账户
      *
-     * @param externalAccount
+     * @param update
      * @return
      */
-    int modifyAccount(ExternalAccount externalAccount);
+    int modifyAccount(ExternalAccountUpdateDTO update);
 }
diff --git a/xkt/src/main/java/com/ruoyi/xkt/service/impl/AccountServiceImpl.java b/xkt/src/main/java/com/ruoyi/xkt/service/impl/AccountServiceImpl.java
index ac821077a..8245814bb 100644
--- a/xkt/src/main/java/com/ruoyi/xkt/service/impl/AccountServiceImpl.java
+++ b/xkt/src/main/java/com/ruoyi/xkt/service/impl/AccountServiceImpl.java
@@ -121,11 +121,13 @@ public class AccountServiceImpl implements IAccountService {
                 EAccountOwnerType.STORE, EAccountType.ALI_PAY);
         if (alipayExternalAccount != null) {
             //修改
-            alipayExternalAccount.setAccountOwnerName(alipayBind.getAccountOwnerName());
-            alipayExternalAccount.setAccountOwnerNumber(alipayBind.getAccountOwnerNumber());
-            alipayExternalAccount.setAccountOwnerPhoneNumber(alipayBind.getAccountOwnerPhoneNumber());
-            alipayExternalAccount.setAccountAuthAccess(true);
-            externalAccountService.modifyAccount(alipayExternalAccount);
+            ExternalAccountUpdateDTO updateDTO = new ExternalAccountUpdateDTO();
+            updateDTO.setId(alipayExternalAccount.getId());
+            updateDTO.setAccountOwnerName(alipayBind.getAccountOwnerName());
+            updateDTO.setAccountOwnerNumber(alipayBind.getAccountOwnerNumber());
+            updateDTO.setAccountOwnerPhoneNumber(alipayBind.getAccountOwnerPhoneNumber());
+            updateDTO.setAccountAuthAccess(true);
+            externalAccountService.modifyAccount(updateDTO);
         } else {
             //新增
             ExternalAccountAddDTO addDTO = new ExternalAccountAddDTO();
diff --git a/xkt/src/main/java/com/ruoyi/xkt/service/impl/ExternalAccountServiceImpl.java b/xkt/src/main/java/com/ruoyi/xkt/service/impl/ExternalAccountServiceImpl.java
index 00f7517a3..3c07cd03a 100644
--- a/xkt/src/main/java/com/ruoyi/xkt/service/impl/ExternalAccountServiceImpl.java
+++ b/xkt/src/main/java/com/ruoyi/xkt/service/impl/ExternalAccountServiceImpl.java
@@ -12,6 +12,7 @@ import com.ruoyi.common.utils.bean.BeanValidators;
 import com.ruoyi.xkt.domain.ExternalAccount;
 import com.ruoyi.xkt.domain.ExternalAccountTransDetail;
 import com.ruoyi.xkt.dto.account.ExternalAccountAddDTO;
+import com.ruoyi.xkt.dto.account.ExternalAccountUpdateDTO;
 import com.ruoyi.xkt.dto.finance.TransInfo;
 import com.ruoyi.xkt.enums.*;
 import com.ruoyi.xkt.mapper.ExternalAccountMapper;
@@ -153,14 +154,11 @@ public class ExternalAccountServiceImpl implements IExternalAccountService {
 
     @Transactional(rollbackFor = Exception.class)
     @Override
-    public int modifyAccount(ExternalAccount externalAccount) {
-        Assert.notNull(externalAccount);
-        Assert.notNull(externalAccount.getId());
-        int r = externalAccountMapper.updateById(externalAccount);
-        if (r == 0) {
-            throw new ServiceException(Constants.VERSION_LOCK_ERROR_COMMON_MSG);
-        }
-        return r;
+    public int modifyAccount(ExternalAccountUpdateDTO update) {
+        Assert.notNull(update);
+        Assert.notNull(update.getId());
+        ExternalAccount updateParams = BeanUtil.toBean(update, ExternalAccount.class);
+        return externalAccountMapper.updateById(updateParams);
     }
 
     /**