diff --git a/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/service/funds/incomeandexpense/IncomeExpenseServiceImpl.java b/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/service/funds/incomeandexpense/IncomeExpenseServiceImpl.java
index 422391aec..2597d8108 100644
--- a/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/service/funds/incomeandexpense/IncomeExpenseServiceImpl.java
+++ b/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/service/funds/incomeandexpense/IncomeExpenseServiceImpl.java
@@ -69,10 +69,12 @@ public class IncomeExpenseServiceImpl implements IncomeExpenseService {
                 if (ObjectUtil.isNotNull(purchaseId)) {
                     // 查询对应的购买记录
                     PurchaseRecordDO record = purchaseService.getRecord(purchaseId);
-                    respVO.setProductPrice(record.getTotalAmount());
-                    respVO.setRechargePayAmount(record.getAccountBalanceSpent());
-                    respVO.setRechargePayAmount(record.getAlipaySpent().add(record.getWechatSpent()));
-                    respVO.setGiftPayAmount(record.getGiftMoneySpent());
+                    if (ObjectUtil.isNotNull(record)) {
+                        respVO.setProductPrice(record.getTotalAmount());
+                        respVO.setBalancePayAmount(record.getAccountBalanceSpent());
+                        respVO.setRechargePayAmount(record.getAlipaySpent().add(record.getWechatSpent()));
+                        respVO.setGiftPayAmount(record.getGiftMoneySpent());
+                    }
                 }
             } else if (TradeTypeEnum.MANUAL_ADJUST.getCode().equals(tradeType)) {
                 respVO.setRechargeAmount(i.getCashAmountChange());
diff --git a/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/service/pay/PayProductProcessor.java b/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/service/pay/PayProductProcessor.java
index b658febdd..962cb5cbc 100644
--- a/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/service/pay/PayProductProcessor.java
+++ b/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/service/pay/PayProductProcessor.java
@@ -86,7 +86,7 @@ public class PayProductProcessor {
     private PurchaseRecordDO previousPurchaseRecord;
 
     // 本地订购产品的开始时间
-    private LocalDate startTime = LocalDate.now();
+    private LocalDate startTime;
 
     // 产品结束时间
     private LocalDate endTime;
@@ -740,18 +740,22 @@ public class PayProductProcessor {
                     .orElse(endTime);
         }
 
-        // 2、 判断是否过期
-        if (maxDelayEnd.isBefore(today)) {
-            // 已过期，从今天开始
-            startTime = today;
+        // 2、订单的生效时间
+        startTime = today;
+
+        // 3、 计算有效期叠加的起点
+        LocalDate purchaseStart;
+        if (today.isAfter(maxDelayEnd)) {
+            // 已过期 → 从今天开始累加
+            purchaseStart = today;
         } else {
-            // 未过期，从上次结束时间继续
-            startTime = today.isBefore(maxDelayEnd) ? today : maxDelayEnd;;
+            // 未过期 → 从 maxDelayEnd 的下一天开始累加
+            purchaseStart = maxDelayEnd;
         }
 
         // 加正常时间
         if (ObjectUtil.isNotNull(duration) && durationUnit != null) {
-            endTime = addTime(startTime, duration, durationUnit);
+            endTime = addTime(purchaseStart, duration, durationUnit);
         }
 
         // 加赠送时间