diff --git a/example/precard/test.php b/example/precard/test.php
new file mode 100644
index 0000000..fc61a3d
--- /dev/null
+++ b/example/precard/test.php
@@ -0,0 +1,25 @@
+<?php
+require "../../vendor/autoload.php";
+
+use Kltong\Pay\Config\Channel;
+use Kltong\Pay\Client\Charge;
+use Kltong\Pay\Exception\PayException;
+
+$pre_card_config = new \Kltong\Pay\Config\PreCardConfig();
+$pre_card_config->setDev(1)->setMerchantId('903310112340001')
+    ->setPkcs12(dirname(__FILE__) . DIRECTORY_SEPARATOR .  '903310112340001-kltong.pfx')
+    ->setPkcsPassword('123456');
+$data = [
+    'cardId'=>'8889990010000028810',
+    'txAt'=>1,
+    'reqSeq'=>date("mdHis").random_int(1,100000),
+    'pin1'=>'580058',
+
+];
+try{
+    $result = Charge::execute(Channel::PRECARD_CARDWITHPASS,$pre_card_config,$data);
+}catch (PayException $e){
+    exit($e->getMessage());
+}catch(Exception $e){
+    exit($e->getMessage());
+}
\ No newline at end of file
diff --git a/src/Kltong/Pay/Biz/CardWithPassBiz.php b/src/Kltong/Pay/Biz/CardWithPassBiz.php
new file mode 100644
index 0000000..969210e
--- /dev/null
+++ b/src/Kltong/Pay/Biz/CardWithPassBiz.php
@@ -0,0 +1,73 @@
+<?php
+namespace Kltong\Pay\Biz;
+
+use Kltong\Pay\Common\PreCardProcess;
+use Kltong\Pay\Request\CardPassContent;
+use Kltong\Pay\Utils\ArrayParams;
+use Kltong\Pay\Utils\RSA;
+
+/**
+ * Class CardWithPassBiz
+ * @package Kltong\Pay\Biz
+ */
+class CardWithPassBiz extends PreCardProcess
+{
+
+    public $head;
+    public $content;
+
+
+    private function process_data(){
+        $cardPassContent = new CardPassContent();
+        $cardPassContent->merchantId = $this->pre_card_config->getMerchantId();
+        $cardPassContent->version = $this->pre_card_config->getVersion();
+        $cardPassContent->signType = $this->pre_card_config->getSignType();
+        $this->cardPassContent = $cardPassContent;
+    }
+
+    private function process_content(){
+        $this->cardPassContent->cardId  = $this->pre_card_data['cardId'];
+        $this->cardPassContent->pin1  = $this->pre_card_data['pin1'];
+        $this->cardPassContent->txAt  = $this->pre_card_data['txAt'];
+        $this->cardPassContent->reqDt  = date("Ymd");
+        $this->cardPassContent->reqTm  = date("His");
+        $this->cardPassContent->reqSeq  = $this->pre_card_data['reqSeq'];
+
+    }
+
+    public function process(){
+        $this->process_data();
+        $this->process_content();
+        //处理加答前参数
+        $string = ArrayParams::get_sign_string($this->cardPassContent->toArray());
+        $sign = RSA::getSign($string,file_get_contents($this->pre_card_config->getPkcs12()),$this->pre_card_config->getPkcsPassword());
+        $this->cardPassContent->sign = $sign ;
+
+        $head = "";
+        $content = '';
+        $content = array(
+            'cardId'=>$this->cardPassContent->cardId,
+            'txAt'=>$this->cardPassContent->txAt,
+            'reqDt'=>$this->cardPassContent->reqDt,
+            'reqTm'=>$this->cardPassContent->reqTm,
+            'reqSeq'=>$this->cardPassContent->reqSeq,
+            'pin1'=>$this->cardPassContent->pin1,
+        );
+        $newContent = array();
+        foreach ($content as $k=>$val){
+            if(!empty($val)){
+                $newContent[$k]=$val;
+            }
+        }
+        $head = $this->get_header();
+        $requet_data = array(
+            'head'=>$head,
+            'content'=> $newContent
+        );
+        return $requet_data;
+
+    }
+
+
+
+}
\ No newline at end of file
diff --git a/src/Kltong/Pay/ChargeContext.php b/src/Kltong/Pay/ChargeContext.php
index 4a99b23..219a632 100644
--- a/src/Kltong/Pay/ChargeContext.php
+++ b/src/Kltong/Pay/ChargeContext.php
@@ -1,7 +1,9 @@
 <?php
 namespace Kltong\Pay;
+use Kltong\Pay\Biz\CardWithPassBiz;
 use Kltong\Pay\Charge\Precard\PreCardCharge;
 use Kltong\Pay\Common\BaseStrategy;
+use Kltong\Pay\Config\Channel;
 use Kltong\Pay\Exception\PayException;
 
 /**
@@ -24,8 +26,11 @@ class ChargeContext{
     public function initContext($channel, $config){
         switch ($channel){
             case Channel::PRECARD_MAGNETICANDPWD;
-            $this->channel = new PreCardCharge($config);
-            break;
+                $this->channel = new PreCardCharge($config);
+                break;
+            case Channel::PRECARD_CARDWITHPASS;
+                $this->channel = new CardWithPassBiz($config);
+                break;
             default :
                 throw new PayException("传入的支付通道不支持！请检查channel");
         }
diff --git a/src/Kltong/Pay/Client/Charge.php b/src/Kltong/Pay/Client/Charge.php
index 5dfecb3..a1407f3 100644
--- a/src/Kltong/Pay/Client/Charge.php
+++ b/src/Kltong/Pay/Client/Charge.php
@@ -2,7 +2,7 @@
 namespace Kltong\Pay\Client;
 
 use Kltong\Pay\ChargeContext;
-use Kltong\Pay\Channel;
+use Kltong\Pay\Config\Channel;
 use Kltong\Pay\Exception\PayException;
 
 /**
@@ -17,7 +17,8 @@ class Charge
      * @var array
      */
     private static $support_channel=[
-        Channel::PRECARD_MAGNETICANDPWD
+        Channel::PRECARD_MAGNETICANDPWD,
+        Channel::PRECARD_CARDWITHPASS,
         ];
 
     /**
diff --git a/src/Kltong/Pay/Common/PreCardProcess.php b/src/Kltong/Pay/Common/PreCardProcess.php
new file mode 100644
index 0000000..631c424
--- /dev/null
+++ b/src/Kltong/Pay/Common/PreCardProcess.php
@@ -0,0 +1,82 @@
+<?php
+namespace Kltong\Pay\Common;
+
+use GuzzleHttp\Client;
+use Kltong\Pay\Config\PreCardConfig;
+use Kltong\Pay\Exception\PayException;
+
+class PreCardProcess implements BaseStrategy
+{
+    /**
+     * 商户配置
+     * @var PreCardConfig|null
+     */
+    public $pre_card_config = null;
+
+    public $pre_card_data = array();
+
+    public $cardPassContent = array();
+    /**
+     * 请求参数
+     * @var array
+     */
+    public $requestData = array();
+
+
+    public function __construct(PreCardConfig $config)
+    {
+        if(empty($config->merchantId)){
+            throw new PayException("未设置商户号");
+        }
+        if(empty($config->pkcs12)){
+            throw new PayException("未设置证书");
+        }
+        if(empty($config->pkcsPassword)){
+            throw new PayException("未设置证书密码");
+        }
+        $this->pre_card_config = $config;
+    }
+
+    /**
+     * @inheritDoc
+     */
+    public function handle(array $data)
+    {
+        $this->pre_card_data = $data;
+        $data = $this->process();
+        if($this->pre_card_config->getDev() =="1"){
+            $url = 'https://ipay.chinasmartpay.cn/openapi/LianxinCard/pay';
+        }else{
+            $url = 'https://openapi.openepay.com/openapi/LianxinCard/pay';
+        }
+
+        $client = new Client([
+            'timeout' => '10.0'
+        ]);
+        $response = $client->request('POST', $url, ['timeout'=>5,'verify'=>false,'json'=>$data]);
+        if ($response->getStatusCode() != '200') {
+            throw new PayException('网络发生错误，请稍后再试curl返回码：' . $response->getReasonPhrase());
+        }
+        $body = $response->getBody();
+        // 格式化为数组
+        $retData = json_decode($body,true);
+        if (isset($retData['responseCode']) &&  $retData['responseCode']!= 'SUCCESS') {
+            throw new PayException('支付失败：' . $retData['responseMsg']);
+        }
+        return $retData;
+
+
+    }
+
+
+    public function get_header(){
+        return array(
+            'version'=>$this->cardPassContent->version,
+            'merchantId'=>$this->cardPassContent->merchantId,
+            'signType'=>$this->cardPassContent->signType,
+            'sign' => $this->cardPassContent->sign
+        );
+    }
+
+
+}
\ No newline at end of file
diff --git a/src/Kltong/Pay/Config/Channel.php b/src/Kltong/Pay/Config/Channel.php
index ca6fd89..013a0af 100644
--- a/src/Kltong/Pay/Config/Channel.php
+++ b/src/Kltong/Pay/Config/Channel.php
@@ -1,5 +1,5 @@
 <?php
-namespace Kltong\Pay;
+namespace Kltong\Pay\Config;
 
 /**
  * 常量
diff --git a/src/Kltong/Pay/Config/PreCardConfig.php b/src/Kltong/Pay/Config/PreCardConfig.php
new file mode 100644
index 0000000..5bcd2fa
--- /dev/null
+++ b/src/Kltong/Pay/Config/PreCardConfig.php
@@ -0,0 +1,130 @@
+<?php
+namespace Kltong\Pay\Config;
+
+/**
+ * 商户信信配置
+ * Class PreCardConfig
+ * @package Kltong\Pay\Config
+ */
+class PreCardConfig
+{
+    public $merchantId;
+    public $pkcs12;
+    public $pkcsPassword;
+    public $signType = 2;
+    public $dev = 1;
+    public $version = '1.0';
+
+    /**
+     * @return mixed
+     */
+    public function getMerchantId()
+    {
+        return $this->merchantId;
+    }
+
+    /**
+     * @param $merchantId
+     * @return $this
+     */
+    public function setMerchantId($merchantId)
+    {
+        $this->merchantId = $merchantId;
+        return $this;
+    }
+
+    /**
+     * @return mixed
+     */
+    public function getPkcs12()
+    {
+        return $this->pkcs12;
+    }
+
+    /**
+     * @param $pkcs12
+     * @return $this
+     */
+    public function setPkcs12($pkcs12)
+    {
+        $this->pkcs12 = $pkcs12;
+        return $this;
+    }
+
+    /**
+     * @return mixed
+     */
+    public function getPkcsPassword()
+    {
+        return $this->pkcsPassword;
+    }
+
+    /**
+     * @param $pkcsPassword
+     * @return $this
+     */
+    public function setPkcsPassword($pkcsPassword)
+    {
+        $this->pkcsPassword = $pkcsPassword;
+        return $this;
+    }
+
+    /**
+     * @return int
+     */
+    public function getSignType()
+    {
+        return $this->signType;
+    }
+
+    /**
+     * @param $signType
+     * @return $this
+     */
+    public function setSignType($signType)
+    {
+        if(empty($signType)){
+            return $this;
+        }
+        $this->signType = $signType == 1 ? 1 :2;
+        return $this;
+    }
+
+    /**
+     * @return int
+     */
+    public function getDev()
+    {
+        return $this->dev;
+    }
+
+    /**
+     * @param $dev
+     * @return $this
+     */
+    public function setDev($dev)
+    {
+        $this->dev = $dev == 1 ? 1 :2;
+        return $this;
+    }
+
+    /**
+     * @return string
+     */
+    public function getVersion()
+    {
+        return $this->version;
+    }
+
+    /**
+     * @param $version
+     * @return $this
+     */
+    public function setVersion($version)
+    {
+        $this->version = $version;
+        return $this;
+    }
+
+
+}
\ No newline at end of file
diff --git a/src/Kltong/Pay/Request/CardPassContent.php b/src/Kltong/Pay/Request/CardPassContent.php
new file mode 100644
index 0000000..d407f9b
--- /dev/null
+++ b/src/Kltong/Pay/Request/CardPassContent.php
@@ -0,0 +1,47 @@
+<?php
+namespace Kltong\Pay\Request;
+
+/**
+ * 卡号与卡密支付
+ * Class CardPassContent
+ * @package Kltong\Pay\Request
+ */
+class CardPassContent extends Head
+{
+    /**
+     * 卡号
+     * @var
+     */
+    public $cardId;
+
+    /**
+     * 密码
+     * @var
+     */
+    public $pin1;
+
+    /**
+     * 交易金额 单位分
+     * @var
+     */
+    public $txAt;
+
+    /**
+     * 请求日期 年月日8位
+     * @var
+     */
+    public $reqDt;
+
+    /**
+     * 请求时间 可选 时分秒 6位
+     * @var
+     */
+    public $reqTm;
+
+    /**
+     * 商户流水号 10位，不可重复
+     * @var
+     */
+    public $reqSeq;
+
+}
\ No newline at end of file
diff --git a/src/Kltong/Pay/Request/Head.php b/src/Kltong/Pay/Request/Head.php
new file mode 100644
index 0000000..8ae8447
--- /dev/null
+++ b/src/Kltong/Pay/Request/Head.php
@@ -0,0 +1,20 @@
+<?php
+namespace Kltong\Pay\Request;
+
+/**
+ * 数据请求基础
+ * Class Head
+ * @package Kltong\Pay\Request
+ */
+abstract class Head
+{
+    public $version = '1.0';
+    public $merchantId;
+    public $signType = 2;
+    public $sign;
+
+    public function toArray(){
+        return get_object_vars($this);
+    }
+
+}
\ No newline at end of file
diff --git a/src/Kltong/Pay/Utils/ArrayParams.php b/src/Kltong/Pay/Utils/ArrayParams.php
index fc645dd..a55deaf 100644
--- a/src/Kltong/Pay/Utils/ArrayParams.php
+++ b/src/Kltong/Pay/Utils/ArrayParams.php
@@ -11,7 +11,7 @@ public static function get_sign_string(array $data){
         ksort($data);
         $pre_array = array();
         foreach ($data as $k=>$val) {
-            if(!empty($val) && !in_array($k,array('sign','app_cert','app_pass'))){
+            if(!empty($val) && !in_array($k,array('dev','sign','app_cert','app_pass'))){
                 $pre_array[] = $k.'='.$val;
             }
         }