fix 对接app，修改bean默认值和校验方式

src/main/java/au/com/royalpay/payment/manage/application/beans/ClientPreApplyBean.java

@@ -53,15 +53,15 @@ public class ClientPreApplyBean {
     private String codeKey;
     private boolean agree;
     private String nation_code;
-    private String client_pay_type;
+    private String client_pay_type = "2";
-    private String client_pay_desc;
+    private String client_pay_desc = "201";
 
 
     public JSONObject insertObject() {
         JSONObject res = (JSONObject) JSON.toJSON(this);
         List<String> keys = new ArrayList<>();
         res.keySet().forEach(p-> {
-            if (StringUtils.isEmpty(res.getString(p).trim())) {
+            if (StringUtils.isBlank(res.getString(p))) {
                 keys.add(p);
             }
         });