split bank in download xlsx

src/main/java/au/com/royalpay/payment/manage/customers/core/impls/EncourageUseProcessor.java

@@ -111,13 +111,20 @@ public class EncourageUseProcessor implements Ordered, EncourageService {
                     logger.debug("用户关系不存在");
                     return new JSONObject();
                 }
-                JSONObject wxUser = customerMapper.findCustomerByOpenId(visitorOpenId);
                 String merchantId = order.getString("merchant_id");
                 WeChatPayConfig.Merchant mch = WechatPayEnvironment.getEnv().getMerchantConfig(merchantId);
-                MpWechatApi api = mpWechatApiProvider.getApi(mch.getMpId());
-                if (!StringUtils.equals(wxUser.getString(api.getOpenIdKey()), openId)) {
-                    logger.debug("不是同一人");
-                    return new JSONObject();
+                if (mch.getMpId()==null){
+                    if (!StringUtils.equals(visitorOpenId, openId)) {
+                        logger.debug("不是同一人");
+                        return new JSONObject();
+                    }
+                }else {
+                    JSONObject wxUser = customerMapper.findCustomerByOpenId(visitorOpenId);
+                    MpWechatApi api = mpWechatApiProvider.getApi(mch.getMpId());
+                    if (!StringUtils.equals(wxUser.getString(api.getOpenIdKey()), openId)) {
+                        logger.debug("不是同一人");
+                        return new JSONObject();
+                    }
                 }
             }
             if ("Alipay".equals(channel)) {