fix(realname): 增加身份证唯一性校验，防止同一证件重复实名

backend/.env.example

@@ -70,6 +70,8 @@ ALIYUN_SMS_LOGIN_TEMPLATE_CODE=
 REALNAME_PROVIDER=mock
 REALNAME_CLOUDMARKET_URL=https://eid.shumaidata.com/eid/check
 REALNAME_CLOUDMARKET_APPCODE=
+# 身份证唯一性盲索引密钥；留空回退 FIELD_ENCRYPTION_KEY
+REALNAME_ID_HASH_KEY=
 
 # 支付商户、网关和回调等业务配置通过后台支付配置页维护。
 # 支付配置加密密钥（必须为 16、24 或 32 字节；生产环境不要留空）

backend/.env.prod.example

@@ -89,6 +89,8 @@ ALIYUN_SMS_LOGIN_TEMPLATE_CODE=
 REALNAME_PROVIDER=cloudmarket
 REALNAME_CLOUDMARKET_URL=https://eid.shumaidata.com/eid/check
 REALNAME_CLOUDMARKET_APPCODE=
+# 身份证唯一性盲索引密钥；留空回退 FIELD_ENCRYPTION_KEY
+REALNAME_ID_HASH_KEY=
 
 # 支付商户、网关和回调等业务配置通过后台支付配置页维护。
 # 支付配置加密密钥（必须为 16、24 或 32 字节，生产环境必填）

backend/internal/config/config.go

@@ -56,6 +56,8 @@ type RealnameConfig struct {
 	Provider           string
 	CloudMarketURL     string
 	CloudMarketAppCode string
+	// IDHashKey 用于计算身份证号盲索引；留空时回退到 FIELD_ENCRYPTION_KEY。
+	IDHashKey string
 }
 
 type LogConfig struct {
@@ -129,6 +131,7 @@ func Load() Config {
 			Provider:           getEnv("REALNAME_PROVIDER", "mock"),
 			CloudMarketURL:     getEnv("REALNAME_CLOUDMARKET_URL", "https://eid.shumaidata.com/eid/check"),
 			CloudMarketAppCode: getEnv("REALNAME_CLOUDMARKET_APPCODE", ""),
+			IDHashKey:          getEnv("REALNAME_ID_HASH_KEY", ""),
 		},
 		Log: LogConfig{
 			Level:         getEnv("LOG_LEVEL", "info"),

backend/internal/model/user_realname.go

@@ -3,19 +3,21 @@ package model
 import "time"
 
 type UserRealname struct {
-	ID              uint64     `gorm:"primaryKey" json:"id"`
-	UserID          uint64     `gorm:"not null;uniqueIndex" json:"user_id"`
-	Provider        string     `gorm:"size:32;not null" json:"provider"`
-	ProviderOrderNo string     `gorm:"size:128;not null;default:''" json:"provider_order_no"`
-	Status          string     `gorm:"size:32;not null;default:'pending'" json:"status"`
-	MaskedName      string     `gorm:"size:64;not null;default:''" json:"masked_name"`
-	EncryptedName   string     `gorm:"size:255;not null;default:''" json:"encrypted_name"`
-	MaskedIDNo      string     `gorm:"size:64;not null;default:''" json:"masked_id_no"`
-	EncryptedIDNo   string     `gorm:"size:255;not null;default:''" json:"encrypted_id_no"`
-	VerifiedAt      *time.Time `json:"verified_at"`
-	FailReason      string     `gorm:"size:255;not null;default:''" json:"fail_reason"`
-	CreatedAt       time.Time  `json:"created_at"`
-	UpdatedAt       time.Time  `json:"updated_at"`
+	ID              uint64 `gorm:"primaryKey" json:"id"`
+	UserID          uint64 `gorm:"not null;uniqueIndex" json:"user_id"`
+	Provider        string `gorm:"size:32;not null" json:"provider"`
+	ProviderOrderNo string `gorm:"size:128;not null;default:''" json:"provider_order_no"`
+	Status          string `gorm:"size:32;not null;default:'pending'" json:"status"`
+	MaskedName      string `gorm:"size:64;not null;default:''" json:"masked_name"`
+	EncryptedName   string `gorm:"size:255;not null;default:''" json:"encrypted_name"`
+	MaskedIDNo      string `gorm:"size:64;not null;default:'';index:idx_user_realname_masked_id_no" json:"masked_id_no"`
+	EncryptedIDNo   string `gorm:"size:255;not null;default:''" json:"encrypted_id_no"`
+	// IDNoHash 是身份证号的不可逆指纹，仅认证通过时写入；唯一索引保证同一身份证只能绑定一个账号。
+	IDNoHash   *string    `gorm:"size:64;uniqueIndex:uk_user_realname_id_no_hash" json:"-"`
+	VerifiedAt *time.Time `json:"verified_at"`
+	FailReason string     `gorm:"size:255;not null;default:''" json:"fail_reason"`
+	CreatedAt  time.Time  `json:"created_at"`
+	UpdatedAt  time.Time  `json:"updated_at"`
 }
 
 func (UserRealname) TableName() string {

backend/internal/modules/adminuser/handler.go

@@ -246,6 +246,8 @@ func writeAdminUserError(c *gin.Context, err error) {
 		response.BadRequest(c, "姓名或身份证号格式不正确")
 	case errors.Is(err, ErrRealnameAlreadyVerified):
 		response.Error(c, http.StatusConflict, "realname_already_verified", "该用户已完成实名认证，如需修改请先撤销实名")
+	case errors.Is(err, ErrRealnameIDNoUsed):
+		response.Error(c, http.StatusConflict, "realname_id_no_used", "该身份证号已绑定其他实名账号，不能重复认证")
 	case errors.Is(err, ErrRealnameNotRevocable):
 		response.Error(c, http.StatusConflict, "realname_not_revocable", "该用户当前没有可撤销的实名信息")
 	case errors.Is(err, ErrInvalidWalletDirection):

backend/internal/modules/adminuser/repository.go

@@ -11,6 +11,7 @@ import (
 	"hfb_sys/backend/internal/auditlog"
 	"hfb_sys/backend/internal/model"
 	"hfb_sys/backend/internal/modules/invitation"
+	"hfb_sys/backend/internal/modules/realname"
 	"hfb_sys/backend/internal/modules/rentergrowth"
 	"hfb_sys/backend/internal/modules/wallet"
 	"hfb_sys/backend/pkg/crypto"
@@ -22,6 +23,7 @@ import (
 type Repository struct {
 	db                   *gorm.DB
 	encryptor            crypto.Encryptor
+	realnameIDHashKey    string
 	statusChangeNotifier func(userID uint64)
 }
 
@@ -35,6 +37,11 @@ func NewRepository(db *gorm.DB, encryptors ...crypto.Encryptor) *Repository {
 	return &Repository{db: db, encryptor: encryptor}
 }
 
+// SetRealnameIDHashKey 设置身份证盲索引密钥，后台人工实名同样执行唯一性校验。
+func (r *Repository) SetRealnameIDHashKey(key string) {
+	r.realnameIDHashKey = strings.TrimSpace(key)
+}
+
 // SetStatusChangeNotifier 设置状态变更后的会话撤销通知。
 func (r *Repository) SetStatusChangeNotifier(notifier func(userID uint64)) {
 	r.statusChangeNotifier = notifier
@@ -317,6 +324,7 @@ func (r *Repository) ManualRealname(ctx context.Context, adminID uint64, userID
 	if err != nil {
 		return nil, err
 	}
+	idNoHash := realname.FingerprintIDNo(r.realnameIDHashKey, idNo)
 
 	now := time.Now()
 	record := model.UserRealname{
@@ -328,6 +336,7 @@ func (r *Repository) ManualRealname(ctx context.Context, adminID uint64, userID
 		EncryptedName:   encryptedName,
 		MaskedIDNo:      maskManualIDNo(idNo),
 		EncryptedIDNo:   encryptedIDNo,
+		IDNoHash:        &idNoHash,
 		VerifiedAt:      &now,
 		FailReason:      "",
 	}
@@ -340,28 +349,50 @@ func (r *Repository) ManualRealname(ctx context.Context, adminID uint64, userID
 		if user.RealnameStatus == "verified" {
 			return ErrRealnameAlreadyVerified
 		}
+		identityRepo := realname.NewRepository(tx, r.encryptor, r.realnameIDHashKey)
+		used, err := identityRepo.ExistsVerifiedIdentity(ctx, userID, idNo)
+		if err != nil {
+			return err
+		}
+		if used {
+			return realname.ErrIDNoAlreadyUsed
+		}
 
 		beforeRealnameStatus := user.RealnameStatus
 		user.RealnameStatus = "verified"
 		if err := tx.Save(&user).Error; err != nil {
 			return err
 		}
-		if err := tx.Clauses(clause.OnConflict{
-			Columns: []clause.Column{{Name: "user_id"}},
-			DoUpdates: clause.Assignments(map[string]any{
-				"provider":          record.Provider,
-				"provider_order_no": record.ProviderOrderNo,
-				"status":            record.Status,
-				"masked_name":       record.MaskedName,
-				"encrypted_name":    record.EncryptedName,
-				"masked_id_no":      record.MaskedIDNo,
-				"encrypted_id_no":   record.EncryptedIDNo,
-				"verified_at":       record.VerifiedAt,
-				"fail_reason":       record.FailReason,
-				"updated_at":        now,
-			}),
-		}).Create(&record).Error; err != nil {
-			return err
+		var existingRealname model.UserRealname
+		findErr := tx.Clauses(clause.Locking{Strength: "UPDATE"}).
+			Where("user_id = ?", userID).First(&existingRealname).Error
+		switch {
+		case findErr == nil:
+			existingRealname.Provider = record.Provider
+			existingRealname.ProviderOrderNo = record.ProviderOrderNo
+			existingRealname.Status = record.Status
+			existingRealname.MaskedName = record.MaskedName
+			existingRealname.EncryptedName = record.EncryptedName
+			existingRealname.MaskedIDNo = record.MaskedIDNo
+			existingRealname.EncryptedIDNo = record.EncryptedIDNo
+			existingRealname.IDNoHash = record.IDNoHash
+			existingRealname.VerifiedAt = record.VerifiedAt
+			existingRealname.FailReason = record.FailReason
+			if err := tx.Save(&existingRealname).Error; err != nil {
+				if realname.IsIDNoDuplicateError(err) {
+					return realname.ErrIDNoAlreadyUsed
+				}
+				return err
+			}
+		case errors.Is(findErr, gorm.ErrRecordNotFound):
+			if err := tx.Create(&record).Error; err != nil {
+				if realname.IsIDNoDuplicateError(err) {
+					return realname.ErrIDNoAlreadyUsed
+				}
+				return err
+			}
+		default:
+			return findErr
 		}
 
 		_ = invitation.OnUserRealnameVerifiedTx(tx, user.ID)

backend/internal/modules/adminuser/repository_test.go

@@ -204,6 +204,28 @@ func TestManualRealnameRejectsVerifiedUser(t *testing.T) {
 	}
 }
 
+func TestManualRealnameRejectsIdentityUsedByAnotherUser(t *testing.T) {
+	db := setupAdminUserTestDB(t)
+	first := model.User{Phone: "13900000011", Nickname: "用户一", Status: "active"}
+	second := model.User{Phone: "13900000012", Nickname: "用户二", Status: "active"}
+	if err := db.Create(&first).Error; err != nil {
+		t.Fatalf("创建用户一失败：%v", err)
+	}
+	if err := db.Create(&second).Error; err != nil {
+		t.Fatalf("创建用户二失败：%v", err)
+	}
+	repo := NewRepository(db)
+	repo.SetRealnameIDHashKey("test-realname-id-hash-key")
+	req := ManualRealnameRequest{Name: "周奕男", IDNo: "130682200604080615"}
+
+	if _, err := repo.ManualRealname(t.Context(), 99, first.ID, req, AuditMeta{}); err != nil {
+		t.Fatalf("用户一人工实名失败：%v", err)
+	}
+	if _, err := repo.ManualRealname(t.Context(), 99, second.ID, req, AuditMeta{}); !errors.Is(err, ErrRealnameIDNoUsed) {
+		t.Fatalf("同一身份证人工实名第二账号 error = %v, want ErrRealnameIDNoUsed", err)
+	}
+}
+
 func TestAdjustWalletDebitAndAudit(t *testing.T) {
 	db := setupAdminUserTestDB(t)
 	user := model.User{

backend/internal/modules/adminuser/service.go

@@ -5,6 +5,8 @@ import (
 	"errors"
 	"regexp"
 	"strings"
+
+	"hfb_sys/backend/internal/modules/realname"
 )
 
 var (
@@ -12,6 +14,7 @@ var (
 	ErrInvalidUser             = errors.New("invalid user")
 	ErrInvalidRealnameInput    = errors.New("invalid realname input")
 	ErrRealnameAlreadyVerified = errors.New("realname already verified")
+	ErrRealnameIDNoUsed        = realname.ErrIDNoAlreadyUsed
 	ErrRealnameNotRevocable    = errors.New("realname not revocable")
 	ErrInvalidWalletDirection  = errors.New("invalid wallet direction")
 	ErrInvalidWalletAmount     = errors.New("invalid wallet amount")

backend/internal/modules/realname/handler.go

@@ -75,6 +75,10 @@ func writeRealnameError(c *gin.Context, err error) {
 		response.ServiceUnavailable(c, "数据库未连接")
 	case errors.Is(err, ErrInvalidRealnameInput):
 		response.BadRequest(c, "姓名或身份证号格式不正确")
+	case errors.Is(err, ErrAlreadyVerified):
+		response.Error(c, http.StatusConflict, "realname_already_verified", "当前账号已完成实名认证，无需重复认证")
+	case errors.Is(err, ErrIDNoAlreadyUsed):
+		response.Error(c, http.StatusConflict, "realname_id_no_used", "该身份证号已绑定其他实名账号，不能重复认证")
 	case errors.Is(err, ErrProviderConfigInvalid):
 		response.ServiceUnavailable(c, "实名认证服务未配置")
 	case errors.Is(err, ErrProviderRateLimited):

backend/internal/modules/realname/repository.go

@@ -2,21 +2,32 @@ package realname
 
 import (
 	"context"
-	"time"
+	"errors"
+	"strings"
 
+	"hfb_sys/backend/internal/logging"
 	"hfb_sys/backend/internal/model"
 	"hfb_sys/backend/internal/modules/invitation"
+	"hfb_sys/backend/pkg/crypto"
 
+	"go.uber.org/zap"
 	"gorm.io/gorm"
 	"gorm.io/gorm/clause"
 )
 
+const idNoFingerprintDomain = "realname_id"
+
 type Repository struct {
-	db *gorm.DB
+	db        *gorm.DB
+	encryptor crypto.Encryptor
+	idHashKey string
 }
 
-func NewRepository(db *gorm.DB) *Repository {
-	return &Repository{db: db}
+func NewRepository(db *gorm.DB, encryptor crypto.Encryptor, idHashKey string) *Repository {
+	if encryptor == nil {
+		encryptor = &crypto.MockEncryptor{}
+	}
+	return &Repository{db: db, encryptor: encryptor, idHashKey: strings.TrimSpace(idHashKey)}
 }
 
 func (r *Repository) FindByUserID(ctx context.Context, userID uint64) (*model.UserRealname, error) {
@@ -27,7 +38,89 @@ func (r *Repository) FindByUserID(ctx context.Context, userID uint64) (*model.Us
 	return &record, nil
 }
 
-func (r *Repository) SaveResult(ctx context.Context, userID uint64, provider string, result ProviderResult) (*model.UserRealname, error) {
+// IsVerifiedUser 判断当前账号是否已经完成实名认证。
+func (r *Repository) IsVerifiedUser(ctx context.Context, userID uint64) (bool, error) {
+	var userStatus string
+	if err := r.db.WithContext(ctx).Model(&model.User{}).
+		Where("id = ?", userID).Pluck("realname_status", &userStatus).Error; err != nil {
+		if errors.Is(err, gorm.ErrRecordNotFound) {
+			return false, nil
+		}
+		return false, err
+	}
+	if userStatus == "verified" {
+		return true, nil
+	}
+	var count int64
+	err := r.db.WithContext(ctx).Model(&model.UserRealname{}).
+		Where("user_id = ? AND status = ?", userID, StatusVerified).
+		Count(&count).Error
+	return count > 0, err
+}
+
+// ExistsVerifiedIdentity 判断身份证是否已绑定到其他已实名账号。
+// 新记录直接查 HMAC 指纹；存量记录没有指纹时按脱敏号取候选并解密精确比对，
+// 命中后顺手补写指纹，避免每次重复解密。
+func (r *Repository) ExistsVerifiedIdentity(ctx context.Context, userID uint64, idNo string) (bool, error) {
+	idNo = normalizeIDNo(idNo)
+	if idNo == "" {
+		return false, nil
+	}
+	idNoHash := FingerprintIDNo(r.idHashKey, idNo)
+
+	var count int64
+	if err := r.db.WithContext(ctx).Model(&model.UserRealname{}).
+		Where("status = ? AND id_no_hash = ? AND user_id <> ?", StatusVerified, idNoHash, userID).
+		Count(&count).Error; err != nil {
+		return false, err
+	}
+	if count > 0 {
+		return true, nil
+	}
+
+	masked := maskIDNo(idNo)
+	var candidates []model.UserRealname
+	if err := r.db.WithContext(ctx).
+		Where("status = ? AND user_id <> ? AND masked_id_no = ?", StatusVerified, userID, masked).
+		Find(&candidates).Error; err != nil {
+		return false, err
+	}
+	for _, candidate := range candidates {
+		plain, err := r.encryptor.Decrypt(candidate.EncryptedIDNo)
+		if err != nil {
+			logging.FromContext(ctx).Warn("实名存量身份证解密失败，无法完成唯一性比对",
+				zap.String("module", "realname"),
+				zap.Uint64("realname_id", candidate.ID),
+				zap.Error(err),
+			)
+			continue
+		}
+		if normalizeIDNo(plain) != idNo {
+			continue
+		}
+		if candidate.IDNoHash == nil || *candidate.IDNoHash != idNoHash {
+			r.backfillIDNoHash(ctx, candidate.ID, idNoHash)
+		}
+		return true, nil
+	}
+	return false, nil
+}
+
+func (r *Repository) backfillIDNoHash(ctx context.Context, recordID uint64, idNoHash string) {
+	err := r.db.WithContext(ctx).Model(&model.UserRealname{}).
+		Where("id = ? AND (id_no_hash IS NULL OR id_no_hash <> ?)", recordID, idNoHash).
+		Update("id_no_hash", idNoHash).Error
+	if err != nil && !isDuplicateIDNoError(err) {
+		logging.FromContext(ctx).Warn("实名身份证指纹回填失败",
+			zap.String("module", "realname"),
+			zap.Uint64("realname_id", recordID),
+			zap.Error(err),
+		)
+	}
+}
+
+// SaveResult 保存实名结果并更新用户实名状态。idNoHash 仅认证通过时写入。
+func (r *Repository) SaveResult(ctx context.Context, userID uint64, provider string, result ProviderResult, idNoHash string) (*model.UserRealname, error) {
 	record := model.UserRealname{
 		UserID:          userID,
 		Provider:        provider,
@@ -40,24 +133,42 @@ func (r *Repository) SaveResult(ctx context.Context, userID uint64, provider str
 		VerifiedAt:      result.VerifiedAt,
 		FailReason:      result.FailReason,
 	}
+	if result.Status == StatusVerified && strings.TrimSpace(idNoHash) != "" {
+		hash := strings.TrimSpace(idNoHash)
+		record.IDNoHash = &hash
+	}
 
 	err := r.db.WithContext(ctx).Transaction(func(tx *gorm.DB) error {
-		if err := tx.Clauses(clause.OnConflict{
-			Columns: []clause.Column{{Name: "user_id"}},
-			DoUpdates: clause.Assignments(map[string]any{
-				"provider":          record.Provider,
-				"provider_order_no": record.ProviderOrderNo,
-				"status":            record.Status,
-				"masked_name":       record.MaskedName,
-				"encrypted_name":    record.EncryptedName,
-				"masked_id_no":      record.MaskedIDNo,
-				"encrypted_id_no":   record.EncryptedIDNo,
-				"verified_at":       record.VerifiedAt,
-				"fail_reason":       record.FailReason,
-				"updated_at":        time.Now(),
-			}),
-		}).Create(&record).Error; err != nil {
-			return err
+		var existing model.UserRealname
+		findErr := tx.Clauses(clause.Locking{Strength: "UPDATE"}).
+			Where("user_id = ?", userID).First(&existing).Error
+		switch {
+		case findErr == nil:
+			existing.Provider = record.Provider
+			existing.ProviderOrderNo = record.ProviderOrderNo
+			existing.Status = record.Status
+			existing.MaskedName = record.MaskedName
+			existing.EncryptedName = record.EncryptedName
+			existing.MaskedIDNo = record.MaskedIDNo
+			existing.EncryptedIDNo = record.EncryptedIDNo
+			existing.IDNoHash = record.IDNoHash
+			existing.VerifiedAt = record.VerifiedAt
+			existing.FailReason = record.FailReason
+			if err := tx.Save(&existing).Error; err != nil {
+				if isDuplicateIDNoError(err) {
+					return ErrIDNoAlreadyUsed
+				}
+				return err
+			}
+		case errors.Is(findErr, gorm.ErrRecordNotFound):
+			if err := tx.Create(&record).Error; err != nil {
+				if isDuplicateIDNoError(err) {
+					return ErrIDNoAlreadyUsed
+				}
+				return err
+			}
+		default:
+			return findErr
 		}
 
 		userStatus := StatusRejected
@@ -80,3 +191,28 @@ func (r *Repository) SaveResult(ctx context.Context, userID uint64, provider str
 	}
 	return r.FindByUserID(ctx, userID)
 }
+
+// FingerprintIDNo 生成身份证号的稳定盲索引。
+func FingerprintIDNo(secret, idNo string) string {
+	return crypto.FingerprintHMAC(secret, idNoFingerprintDomain, normalizeIDNo(idNo))
+}
+
+func normalizeIDNo(idNo string) string {
+	return strings.ToUpper(strings.TrimSpace(idNo))
+}
+
+func isDuplicateIDNoError(err error) bool {
+	if err == nil {
+		return false
+	}
+	if errors.Is(err, gorm.ErrDuplicatedKey) {
+		return true
+	}
+	text := strings.ToLower(err.Error())
+	return strings.Contains(text, "1062") && strings.Contains(text, "uk_user_realname_id_no_hash")
+}
+
+// IsIDNoDuplicateError 供其他模块复用身份证唯一键冲突判断。
+func IsIDNoDuplicateError(err error) bool {
+	return isDuplicateIDNoError(err)
+}

backend/internal/modules/realname/service.go

@@ -21,6 +21,8 @@ const (
 var (
 	ErrDependencyUnavailable  = errors.New("dependency unavailable")
 	ErrInvalidRealnameInput   = errors.New("invalid realname input")
+	ErrAlreadyVerified        = errors.New("realname already verified")
+	ErrIDNoAlreadyUsed        = errors.New("id no already used")
 	ErrProviderConfigInvalid  = errors.New("realname provider config invalid")
 	ErrProviderRateLimited    = errors.New("realname provider rate limited")
 	ErrProviderQuotaExhausted = errors.New("realname provider quota exhausted")
@@ -52,10 +54,24 @@ func (s *Service) Start(ctx context.Context, userID uint64, name string, idNo st
 		return nil, ErrDependencyUnavailable
 	}
 	name = strings.TrimSpace(name)
-	idNo = strings.TrimSpace(idNo)
+	idNo = normalizeIDNo(idNo)
 	if !validName(name) || !validIDNo(idNo) {
 		return nil, ErrInvalidRealnameInput
 	}
+	verified, err := s.repo.IsVerifiedUser(ctx, userID)
+	if err != nil {
+		return nil, err
+	}
+	if verified {
+		return nil, ErrAlreadyVerified
+	}
+	used, err := s.repo.ExistsVerifiedIdentity(ctx, userID, idNo)
+	if err != nil {
+		return nil, err
+	}
+	if used {
+		return nil, ErrIDNoAlreadyUsed
+	}
 	result, err := s.provider.Start(ctx, StartRequest{
 		UserID: userID,
 		Name:   name,
@@ -77,7 +93,7 @@ func (s *Service) Start(ctx context.Context, userID uint64, name string, idNo st
 		}
 		return nil, err
 	}
-	return s.repo.SaveResult(ctx, userID, s.provider.Name(), result)
+	return s.repo.SaveResult(ctx, userID, s.provider.Name(), result, FingerprintIDNo(s.repo.idHashKey, idNo))
 }
 
 func (s *Service) Status(ctx context.Context, userID uint64) (PublicStatus, error) {

backend/internal/modules/realname/service_test.go

@@ -0,0 +1,208 @@
+package realname
+
+import (
+	"errors"
+	"testing"
+	"time"
+
+	"hfb_sys/backend/internal/database"
+	"hfb_sys/backend/internal/model"
+	"hfb_sys/backend/pkg/crypto"
+
+	"go.uber.org/zap"
+	"gorm.io/gorm"
+)
+
+func setupRealnameTestDB(t *testing.T) *gorm.DB {
+	t.Helper()
+	db := database.NewTestDB()
+	if err := database.AutoMigrateIfMissing(db,
+		&model.User{},
+		&model.UserRealname{},
+		&model.UserInvitation{},
+	); err != nil {
+		t.Fatalf("迁移实名测试表失败: %v", err)
+	}
+	return db
+}
+
+func newRealnameTestService(t *testing.T, db *gorm.DB) *Service {
+	t.Helper()
+	encryptor := &crypto.MockEncryptor{}
+	repo := NewRepository(db, encryptor, "test-realname-id-hash-key")
+	return NewService(repo, NewMockProvider(encryptor), zap.NewNop())
+}
+
+func TestRealnameIdentityMustBeUnique(t *testing.T) {
+	db := setupRealnameTestDB(t)
+	svc := newRealnameTestService(t, db)
+
+	user1 := model.User{Phone: "13700000001", Status: "active"}
+	user2 := model.User{Phone: "13700000002", Status: "active"}
+	if err := db.Create(&user1).Error; err != nil {
+		t.Fatalf("创建用户1失败: %v", err)
+	}
+	if err := db.Create(&user2).Error; err != nil {
+		t.Fatalf("创建用户2失败: %v", err)
+	}
+
+	const idNo = "110101199001010011"
+	if _, err := svc.Start(t.Context(), user1.ID, "张三", idNo); err != nil {
+		t.Fatalf("用户1首次实名失败: %v", err)
+	}
+	if _, err := svc.Start(t.Context(), user1.ID, "张三", idNo); !errors.Is(err, ErrAlreadyVerified) {
+		t.Fatalf("同一用户重复实名 error = %v, want ErrAlreadyVerified", err)
+	}
+	if _, err := svc.Start(t.Context(), user2.ID, "张三", idNo); !errors.Is(err, ErrIDNoAlreadyUsed) {
+		t.Fatalf("同一身份证绑定第二账号 error = %v, want ErrIDNoAlreadyUsed", err)
+	}
+
+	var record model.UserRealname
+	if err := db.Where("user_id = ?", user1.ID).First(&record).Error; err != nil {
+		t.Fatalf("读取用户1实名记录失败: %v", err)
+	}
+	if record.IDNoHash == nil || *record.IDNoHash == "" {
+		t.Fatal("实名通过后必须写入身份证指纹")
+	}
+}
+
+func TestRealnameIdentityCheckSupportsLegacyEncryptedRecord(t *testing.T) {
+	db := setupRealnameTestDB(t)
+	svc := newRealnameTestService(t, db)
+
+	legacyUser := model.User{Phone: "13700000011", Status: "active"}
+	otherUser := model.User{Phone: "13700000012", Status: "active"}
+	if err := db.Create(&legacyUser).Error; err != nil {
+		t.Fatalf("创建存量用户失败: %v", err)
+	}
+	if err := db.Create(&otherUser).Error; err != nil {
+		t.Fatalf("创建新用户失败: %v", err)
+	}
+
+	const idNo = "11010119900101002X"
+	now := time.Now()
+	if err := db.Create(&model.UserRealname{
+		UserID:        legacyUser.ID,
+		Provider:      "mock",
+		Status:        StatusVerified,
+		MaskedIDNo:    maskIDNo(idNo),
+		EncryptedIDNo: idNo,
+		VerifiedAt:    &now,
+	}).Error; err != nil {
+		t.Fatalf("创建存量实名记录失败: %v", err)
+	}
+
+	if _, err := svc.Start(t.Context(), otherUser.ID, "李四", idNo); !errors.Is(err, ErrIDNoAlreadyUsed) {
+		t.Fatalf("存量实名身份证重复绑定 error = %v, want ErrIDNoAlreadyUsed", err)
+	}
+
+	var legacy model.UserRealname
+	if err := db.Where("user_id = ?", legacyUser.ID).First(&legacy).Error; err != nil {
+		t.Fatalf("读取存量实名记录失败: %v", err)
+	}
+	if legacy.IDNoHash == nil || *legacy.IDNoHash == "" {
+		t.Fatal("命中存量记录后应补写身份证指纹")
+	}
+}
+
+func TestSaveResultRejectsDuplicateIdentityAtDBLevel(t *testing.T) {
+	db := setupRealnameTestDB(t)
+	encryptor := &crypto.MockEncryptor{}
+	repo := NewRepository(db, encryptor, "test-realname-id-hash-key")
+
+	user1 := model.User{Phone: "13700000031", Status: "active"}
+	user2 := model.User{Phone: "13700000032", Status: "active"}
+	if err := db.Create(&user1).Error; err != nil {
+		t.Fatalf("创建用户1失败: %v", err)
+	}
+	if err := db.Create(&user2).Error; err != nil {
+		t.Fatalf("创建用户2失败: %v", err)
+	}
+	const idNo = "110101199001010049"
+	now := time.Now()
+	result := ProviderResult{
+		ProviderOrderNo: "mock_unique",
+		Status:          StatusVerified,
+		MaskedName:      "赵*",
+		EncryptedName:   "赵六",
+		MaskedIDNo:      maskIDNo(idNo),
+		EncryptedIDNo:   idNo,
+		VerifiedAt:      &now,
+	}
+	hash := FingerprintIDNo(repo.idHashKey, idNo)
+	if _, err := repo.SaveResult(t.Context(), user1.ID, "mock", result, hash); err != nil {
+		t.Fatalf("用户1保存实名失败: %v", err)
+	}
+	if _, err := repo.SaveResult(t.Context(), user2.ID, "mock", result, hash); !errors.Is(err, ErrIDNoAlreadyUsed) {
+		t.Fatalf("数据库唯一索引未拦截重复身份证: %v", err)
+	}
+}
+
+func TestRealnameRejectedRecordCanRetryOnSameAccount(t *testing.T) {
+	db := setupRealnameTestDB(t)
+	svc := newRealnameTestService(t, db)
+
+	user := model.User{Phone: "13700000025", Status: "active", RealnameStatus: "rejected"}
+	if err := db.Create(&user).Error; err != nil {
+		t.Fatalf("创建用户失败: %v", err)
+	}
+	const idNo = "110101199001010022"
+	if err := db.Create(&model.UserRealname{
+		UserID:        user.ID,
+		Provider:      "mock",
+		Status:        StatusRejected,
+		MaskedIDNo:    maskIDNo(idNo),
+		EncryptedIDNo: idNo,
+		FailReason:    "旧记录",
+	}).Error; err != nil {
+		t.Fatalf("创建驳回记录失败: %v", err)
+	}
+
+	if _, err := svc.Start(t.Context(), user.ID, "孙七", idNo); err != nil {
+		t.Fatalf("驳回后重新实名失败: %v", err)
+	}
+	var count int64
+	if err := db.Model(&model.UserRealname{}).Where("user_id = ?", user.ID).Count(&count).Error; err != nil {
+		t.Fatalf("统计实名记录失败: %v", err)
+	}
+	if count != 1 {
+		t.Fatalf("实名记录条数 = %d, want 1", count)
+	}
+	var record model.UserRealname
+	if err := db.Where("user_id = ?", user.ID).First(&record).Error; err != nil {
+		t.Fatalf("读取实名记录失败: %v", err)
+	}
+	if record.Status != StatusVerified || record.IDNoHash == nil {
+		t.Fatalf("重新实名后状态/指纹 = %s/%v", record.Status, record.IDNoHash)
+	}
+}
+
+func TestRealnameRejectedRecordDoesNotBlockAnotherAccount(t *testing.T) {
+	db := setupRealnameTestDB(t)
+	svc := newRealnameTestService(t, db)
+
+	rejectedUser := model.User{Phone: "13700000021", Status: "active"}
+	otherUser := model.User{Phone: "13700000022", Status: "active"}
+	if err := db.Create(&rejectedUser).Error; err != nil {
+		t.Fatalf("创建用户失败: %v", err)
+	}
+	if err := db.Create(&otherUser).Error; err != nil {
+		t.Fatalf("创建用户失败: %v", err)
+	}
+
+	const idNo = "110101199001010030"
+	if err := db.Create(&model.UserRealname{
+		UserID:        rejectedUser.ID,
+		Provider:      "mock",
+		Status:        StatusRejected,
+		MaskedIDNo:    maskIDNo(idNo),
+		EncryptedIDNo: idNo,
+		FailReason:    "姓名不一致",
+	}).Error; err != nil {
+		t.Fatalf("创建驳回记录失败: %v", err)
+	}
+
+	if _, err := svc.Start(t.Context(), otherUser.ID, "王五", idNo); err != nil {
+		t.Fatalf("驳回记录不应占用身份证，实名失败: %v", err)
+	}
+}

backend/internal/router/router.go

@@ -2,6 +2,7 @@ package router
 
 import (
 	"context"
+	"strings"
 
 	"hfb_sys/backend/internal/config"
 	"hfb_sys/backend/internal/handler"
@@ -78,6 +79,10 @@ func New(cfg config.Config, deps Dependencies, logger *zap.Logger) *gin.Engine {
 	// 业务字段加密器（实名/收款账号/分站短信密钥）：主密钥 + legacy 回退，用于密钥轮换期间透明解出旧密文。
 	// 生产环境必须配置 FIELD_ENCRYPTION_KEY（ValidateProductionSecurity 已校验）。
 	fieldEncryptor := NewFieldEncryptor(cfg, logger)
+	realnameIDHashKey := strings.TrimSpace(cfg.Realname.IDHashKey)
+	if realnameIDHashKey == "" {
+		realnameIDHashKey = cfg.FieldEncryptionKey
+	}
 
 	var userRepo *auth.UserRepository
 	if deps.DB != nil {
@@ -113,6 +118,7 @@ func New(cfg config.Config, deps Dependencies, logger *zap.Logger) *gin.Engine {
 	var adminUserRepo *adminuser.Repository
 	if deps.DB != nil {
 		adminUserRepo = adminuser.NewRepository(deps.DB, fieldEncryptor)
+		adminUserRepo.SetRealnameIDHashKey(realnameIDHashKey)
 	}
 	adminUserService := adminuser.NewService(adminUserRepo)
 	adminUserHandler := adminuser.NewHandler(adminUserService)
@@ -137,7 +143,7 @@ func New(cfg config.Config, deps Dependencies, logger *zap.Logger) *gin.Engine {
 	userHandler := user.NewHandler(userRepo)
 	var realnameRepo *realname.Repository
 	if deps.DB != nil {
-		realnameRepo = realname.NewRepository(deps.DB)
+		realnameRepo = realname.NewRepository(deps.DB, fieldEncryptor, realnameIDHashKey)
 	}
 	realnameService := realname.NewService(realnameRepo, newRealnameProvider(cfg, fieldEncryptor, logger), logger)
 	realnameHandler := realname.NewHandler(realnameService)

backend/migrations/000089_user_realname_identity_unique.sql

@@ -0,0 +1,17 @@
+-- +goose Up
+
+-- 实名唯一性：同一身份证号最多绑定一个已实名账号。
+-- encrypted_id_no 使用随机 nonce，同一身份证每次密文不同，不能直接做唯一键；
+-- 因此新增由明文身份证号 + 服务端密钥计算的 HMAC 指纹，仅认证通过时写入。
+-- 存量记录先保持 NULL，查询时按 masked_id_no + 解密比对兼容，命中后按需补写。
+ALTER TABLE user_realname
+  ADD COLUMN id_no_hash CHAR(64) NULL COMMENT '身份证号 HMAC-SHA256 指纹，仅认证通过时写入' AFTER encrypted_id_no,
+  ADD KEY idx_user_realname_masked_id_no (masked_id_no),
+  ADD UNIQUE KEY uk_user_realname_id_no_hash (id_no_hash);
+
+-- +goose Down
+
+ALTER TABLE user_realname
+  DROP INDEX uk_user_realname_id_no_hash,
+  DROP INDEX idx_user_realname_masked_id_no,
+  DROP COLUMN id_no_hash;

backend/pkg/crypto/fingerprint.go

@@ -0,0 +1,21 @@
+package crypto
+
+import (
+	"crypto/hmac"
+	"crypto/sha256"
+	"encoding/hex"
+	"strings"
+)
+
+// FingerprintHMAC 生成用于唯一性盲索引的稳定 HMAC-SHA256 指纹。
+// secret 为空时退化为带域前缀的 SHA-256，仅用于本地/测试环境。
+func FingerprintHMAC(secret, domain, value string) string {
+	payload := strings.TrimSpace(domain) + ":" + strings.TrimSpace(value)
+	if strings.TrimSpace(secret) == "" {
+		sum := sha256.Sum256([]byte(payload))
+		return hex.EncodeToString(sum[:])
+	}
+	mac := hmac.New(sha256.New, []byte(secret))
+	_, _ = mac.Write([]byte(payload))
+	return hex.EncodeToString(mac.Sum(nil))
+}