diff --git a/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/enums/pay/PayConstants.java b/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/enums/pay/PayConstants.java
index e24e78b92..e98467f79 100644
--- a/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/enums/pay/PayConstants.java
+++ b/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/enums/pay/PayConstants.java
@@ -12,4 +12,6 @@ public class PayConstants {
     public static final String PAY_PRODUCT_DETAIL_BUSINESSNO_PREFIX_FORMAT = "P%dD%s"; // 产品购买流水号格式
 
     public static final String PAY_PRODUCT_DETAIL_AUTO_GENERATE_MONTH_ID_FORMAT = "1759029544%d"; // 1~12月定价规则自动生成ID格式
+
+    public static final String PAY_PRODUCT_DETAIL_AUTO_GENERATE_YEAR_ID_FORMAT = "1759993429%d"; // 1年定价规则自动生成ID格式
 }
\ No newline at end of file
diff --git a/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/service/funds/purchase/PurchaseServiceImpl.java b/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/service/funds/purchase/PurchaseServiceImpl.java
index 71485861a..f20ad7ea9 100644
--- a/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/service/funds/purchase/PurchaseServiceImpl.java
+++ b/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/service/funds/purchase/PurchaseServiceImpl.java
@@ -55,6 +55,7 @@ import static com.cf.imes.module.system.enums.ErrorCodeConstants.ORG_PRODUCT_PUR
 import static com.cf.imes.module.system.enums.ErrorCodeConstants.ORG_PRODUCT_PURCHASE_NOT_EXIST_ERROR;
 import static com.cf.imes.module.system.enums.ErrorCodeConstants.PRODUCT_PRICE_NULL_ERROR;
 import static com.cf.imes.module.system.enums.pay.PayConstants.PAY_PRODUCT_DETAIL_AUTO_GENERATE_MONTH_ID_FORMAT;
+import static com.cf.imes.module.system.enums.pay.PayConstants.PAY_PRODUCT_DETAIL_AUTO_GENERATE_YEAR_ID_FORMAT;
 
 /**
  * @author 软件购买接口 实现类
@@ -366,6 +367,16 @@ public class PurchaseServiceImpl implements PurchaseService {
                 }
             }
         }
+        // 没有定价年的规则，自动补充一个1年的
+        if (CollUtil.isEmpty(productDetailRespVOList)) {
+            ProductDetailsRespVO oneYearRespVO = new ProductDetailsRespVO();
+            oneYearRespVO.setProductId(productId);
+            oneYearRespVO.setDuration(1);
+            oneYearRespVO.setDurationUnit(ProductDurationUnitEnum.YEAR.getCode());
+            oneYearRespVO.setCurrentPrice(productsDO.getPrice());
+            oneYearRespVO.setOriginalPrice(productsDO.getPrice());
+            productDetailRespVOList.add(oneYearRespVO);
+        }
         // 默认展示1到10月的价格
         for (int i = 1; i <= 10; i++) {
             ProductDetailsRespVO detailRespVO = new ProductDetailsRespVO();
@@ -423,6 +434,17 @@ public class PurchaseServiceImpl implements PurchaseService {
                 }
             }
         }
+        // 没有定价年的规则，自动补充一个1年的
+        if (CollUtil.isEmpty(productDetailRespVOList)) {
+            ProductDetailsRespVO oneYearRespVO = new ProductDetailsRespVO();
+            oneYearRespVO.setId(Long.parseLong(String.format(PAY_PRODUCT_DETAIL_AUTO_GENERATE_YEAR_ID_FORMAT, 1)));
+            oneYearRespVO.setProductId(productsDO.getId());
+            oneYearRespVO.setDuration(1);
+            oneYearRespVO.setDurationUnit(ProductDurationUnitEnum.YEAR.getCode());
+            oneYearRespVO.setCurrentPrice(productsDO.getPrice());
+            oneYearRespVO.setOriginalPrice(productsDO.getPrice());
+            productDetailRespVOList.add(oneYearRespVO);
+        }
 
         // 默认展示1到10月的价格
         for (int i = 1; i <= 10; i++) {
diff --git a/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/service/pay/PayOrderServiceImpl.java b/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/service/pay/PayOrderServiceImpl.java
index 4ba1f8cd7..63c8936da 100644
--- a/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/service/pay/PayOrderServiceImpl.java
+++ b/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/service/pay/PayOrderServiceImpl.java
@@ -113,7 +113,8 @@ public class PayOrderServiceImpl implements PayOrderService {
     private static final Pattern pattern = Pattern.compile("P(\\d+)O");
 
     // 自动生成定价id正则
-    private static final Pattern productDetailIdPattern = Pattern.compile("^1759029544(\\d+)$");
+    private static final Pattern productMonthDetailIdPattern = Pattern.compile("^1759029544(\\d+)$");
+    private static final Pattern productYearDetailIdPattern = Pattern.compile("^1759993429(\\d+)$");
 
     @Resource
     private PayHandlerFactory payHandlerFactory;
@@ -264,10 +265,10 @@ public class PayOrderServiceImpl implements PayOrderService {
      * @return
      */
     private ProductsDetailDO analyzeProductDetail(Long productId, Long productDetailId) {
-        // productDetailId符合规则PPAG%d
-        Matcher matcher = productDetailIdPattern.matcher(String.valueOf(productDetailId));
+        // productDetailId符合规则month自动生成规则
+        Matcher matcher = productMonthDetailIdPattern.matcher(String.valueOf(productDetailId));
         if (matcher.find()) {
-            // 取PPAG后的数字，是订购月份
+            // 取规则后的数字，是订购月份
             String monthDuration = matcher.group(1);
             ProductsDetailDO monthDetail = new ProductsDetailDO();
             monthDetail.setId(productDetailId);
@@ -277,7 +278,20 @@ public class PayOrderServiceImpl implements PayOrderService {
             monthDetail.setDiscount(productsDetailService.getProductDetailOneYearDiscount(productId));
             return monthDetail;
         } else {
-            return productsDetailService.validateProductDetailsExists(productDetailId);
+            // productDetailId符合规则year自动生成规则
+            matcher = productYearDetailIdPattern.matcher(String.valueOf(productDetailId));
+            if (matcher.find()) {
+                // 负责规则的年默认是1年
+                ProductsDetailDO yearDetail = new ProductsDetailDO();
+                yearDetail.setId(productDetailId);
+                yearDetail.setDuration(1);
+                yearDetail.setDurationUnit(ProductDurationUnitEnum.YEAR.getCode());
+                // 自动生产的没有折扣
+                yearDetail.setDiscount(BigDecimal.valueOf(100));
+                return yearDetail;
+            } else {
+                return productsDetailService.validateProductDetailsExists(productDetailId);
+            }
         }
     }
 
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 986635b20..ae7c40d28 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
@@ -89,7 +89,7 @@ public class PayProductProcessor {
     private PurchaseRecordDO previousPurchaseRecord;
 
     // 本地订购产品的开始时间
-    private LocalDate startTime;
+    private LocalDate startTime = LocalDate.now();
 
     // 产品结束时间
     private LocalDate endTime;
@@ -111,6 +111,9 @@ public class PayProductProcessor {
             // 上一次订购产品的结束时间进行计算
             endTime = previousPurchaseRecord.getEndTime();
             endTime = calculateEndTime(productsDetailDO.getDuration(), productsDetailDO.getDurationUnit());
+        } else {
+            // 首次订购正常从今天开始累加算世界时间
+            endTime = addTime(startTime, productsDetailDO.getDuration(), productsDetailDO.getDurationUnit());
         }
         this.organAmountDO = organAmountDO;
         this.organId = organId;
@@ -129,7 +132,7 @@ public class PayProductProcessor {
         boolean initialPurchaseExist = ObjectUtil.isNotNull(orgInitialPurchaseRecord);
         BigDecimal price;
         if (initialPurchaseExist) {
-            price = computePrice(orgInitialPurchaseRecord, productsDetailDO);
+            price = computePrice();
         } else {
             price = computeInitialProductPayAmount();
             // 首次购买记录是空，那么当前就是首次订购
@@ -725,10 +728,7 @@ public class PayProductProcessor {
                     .orElse(endTime);
         }
 
-        // 2、订单的生效时间
-        startTime = today;
-
-        // 3、 计算有效期叠加的起点
+        // 2、 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
@@ -738,12 +738,12 @@ public class PayProductProcessor {
             purchaseStart = maxDelayEnd;
         }
 
-        // 加正常时间
+        // 3、加正常时间
         if (ObjectUtil.isNotNull(duration) && durationUnit != null) {
             endTime = addTime(purchaseStart, duration, durationUnit);
         }
 
-        // 5. 扣掉延期天数
+        // 4、扣掉延期天数
         long delayDays = 0L;
         if (CollUtil.isNotEmpty(delayRespVOList)) {
             delayDays = calculateDelayDays(startTime, delayRespVOList);
@@ -871,11 +871,9 @@ public class PayProductProcessor {
     /**
      * 计算有首购记录的产品价格
      *
-     * @param orgInitialPurchaseRecord 首次购买记录
-     * @param productsDetailDO         本次购买产品的定价规则
      * @return
      */
-    private BigDecimal computePrice(PurchaseRecordDO orgInitialPurchaseRecord, ProductsDetailDO productsDetailDO) {
+    private BigDecimal computePrice() {
         // 月均单价
         monthAverageAmount = orgInitialPurchaseRecord.getMonthAverageAmount();
 
@@ -884,6 +882,9 @@ public class PayProductProcessor {
 
         // 定价规则的折扣
         BigDecimal discount = productsDetailDO.getDiscount();
+        if (ObjectUtil.isNull(discount)) {
+            discount = BigDecimal.valueOf(100);
+        }
 
         BigDecimal totalAmount;
         /**
@@ -925,6 +926,9 @@ public class PayProductProcessor {
         BigDecimal orgPurchasePrice = productsDO.getPrice();
         // 折扣
         BigDecimal discount = productsDetailDO.getDiscount();
+        if (ObjectUtil.isNull(discount)) {
+            discount = BigDecimal.valueOf(100);
+        }
 
         BigDecimal totalAmount;
         switch (ProductDurationUnitEnum.fromStatus(productsDetailDO.getDurationUnit())) {
@@ -932,7 +936,9 @@ public class PayProductProcessor {
                 // 原价
                 originalPrice = orgPurchasePrice.multiply(BigDecimal.valueOf(duration));
                 // 折扣价格 = 原价 * 折扣
-                totalAmount = originalPrice.multiply(discount);
+                totalAmount = originalPrice
+                        .multiply(discount)
+                        .divide(new BigDecimal(100), 2, RoundingMode.DOWN);
                 // 月均单价 = 折扣价格 / 10
                 monthAverageAmount = originalPrice.divide(new BigDecimal(10), 2, RoundingMode.DOWN);
             }
@@ -942,7 +948,8 @@ public class PayProductProcessor {
                 // 原价
                 originalPrice = monthAverageAmount.multiply(BigDecimal.valueOf(duration));
                 // 折扣价格 = 原价 * 折扣
-                totalAmount = originalPrice.multiply(discount);
+                totalAmount = originalPrice.multiply(discount)
+                        .divide(new BigDecimal(100), 2, RoundingMode.DOWN);
             }
             default -> throw new ServiceException(PRODUCTS_DETAIL_DURATION_UNIT_NOT_SUPPORT);
         }