diff --git a/daxpay-payment/daxpay-payment-core/src/main/java/cn/daxpay/open/payment/trade/runtime/service/pay/gateway/AggregatePayService.java b/daxpay-payment/daxpay-payment-core/src/main/java/cn/daxpay/open/payment/trade/runtime/service/pay/gateway/AggregatePayService.java
index 11332e9a1..30fcbdeca 100644
--- a/daxpay-payment/daxpay-payment-core/src/main/java/cn/daxpay/open/payment/trade/runtime/service/pay/gateway/AggregatePayService.java
+++ b/daxpay-payment/daxpay-payment-core/src/main/java/cn/daxpay/open/payment/trade/runtime/service/pay/gateway/AggregatePayService.java
@@ -39,7 +39,7 @@ public class AggregatePayService {
     private final GatewayAggregateConfigManager aggregateConfigManager;
     /// 风控检查器（可选 SPI：用于判断是否存在 openId 黑名单, 决定是否触发强制 OAuth）
     private final ObjectProvider<PayRiskChecker> payRiskCheckerProvider;
-    /// 平台安全配置（读取 openId 拦截级别, 决定 NORMAL 模式下不触发强制 OAuth）
+    /// 平台安全配置（读取用户标识拦截级别, 决定 NORMAL 模式下不触发强制 OAuth）
     private final PlatformSecurityConfigService platformSecurityConfigService;
 
     /// H5 聚合元数据: autoLaunch / needOpenId(不下发敏感路由字段)
@@ -83,9 +83,9 @@ public class AggregatePayService {
     /// openId 触发判定
     ///
     /// 1. JSAPI/MINI 类方式: 业务必需, 永远 true（与历史行为一致）
-    /// 2. 主扫/H5 等免 openId 方式: 仅当 openId 拦截级别为 ENHANCED,
-    ///    且存在 openId 黑名单, 且当前 clientEnv 可 OAuth 时 true,
-    ///    实现 openId 黑名单在聚合网关内的全局拦截
+    /// 2. 主扫/H5 等免用户标识方式: 仅当用户标识拦截级别为 ENHANCED,
+    ///    且存在用户标识黑名单, 且当前 clientEnv 可 OAuth 时 true,
+    ///    实现用户标识黑名单在聚合网关内的全局拦截
     private boolean resolveNeedOpenId(String method, ClientEnvEnum clientEnv) {
         if (PayMethodOpenIdSupport.needsOpenId(method)) {
             return true;
@@ -97,7 +97,7 @@ public class AggregatePayService {
         return PayMethodOpenIdSupport.canAcquireOpenId(method, clientEnv);
     }
 
-    /// openId 拦截级别是否为增强模式（NORMAL 时跳过强制 OAuth, 保留用户体验）
+    /// 用户标识拦截级别是否为增强模式（NORMAL 时跳过强制 OAuth, 保留用户体验）
     private boolean isEnhancedOpenIdLevel() {
         String level = platformSecurityConfigService.getPaySecurityConfig().getRiskOpenIdLevel();
         return PayRiskOpenIdLevelEnum.ENHANCED.getCode().equals(level);
diff --git a/daxpay-payment/daxpay-payment-core/src/main/java/cn/daxpay/open/payment/trade/runtime/service/pay/gateway/CashierPayService.java b/daxpay-payment/daxpay-payment-core/src/main/java/cn/daxpay/open/payment/trade/runtime/service/pay/gateway/CashierPayService.java
index 3829b3c24..4c3727da2 100644
--- a/daxpay-payment/daxpay-payment-core/src/main/java/cn/daxpay/open/payment/trade/runtime/service/pay/gateway/CashierPayService.java
+++ b/daxpay-payment/daxpay-payment-core/src/main/java/cn/daxpay/open/payment/trade/runtime/service/pay/gateway/CashierPayService.java
@@ -50,7 +50,7 @@ public class CashierPayService {
     private final GatewayCashierItemManager gatewayCashierItemManager;
     /// 风控检查器（可选 SPI：用于判断是否存在 openId 黑名单, 决定是否触发强制 OAuth）
     private final ObjectProvider<PayRiskChecker> payRiskCheckerProvider;
-    /// 平台安全配置（读取 openId 拦截级别, 决定 NORMAL 模式下不触发强制 OAuth）
+    /// 平台安全配置（读取用户标识拦截级别, 决定 NORMAL 模式下不触发强制 OAuth）
     private final PlatformSecurityConfigService platformSecurityConfigService;
 
     /// 公开支付项列表(落地页展示)
@@ -172,8 +172,8 @@ public class CashierPayService {
     /// openId 触发判定（与聚合/码牌同源逻辑）
     ///
     /// 1. JSAPI/MINI 类方式: 业务必需, 永远 true
-    /// 2. 主扫/H5 等免 openId 方式: 仅当 openId 拦截级别为 ENHANCED,
-    ///    且存在 openId 黑名单且当前 clientEnv 可 OAuth 时 true
+    /// 2. 主扫/H5 等免用户标识方式: 仅当用户标识拦截级别为 ENHANCED,
+    ///    且存在用户标识黑名单且当前 clientEnv 可 OAuth 时 true
     private boolean resolveItemNeedOpenId(String method, ClientEnvEnum clientEnv) {
         if (PayMethodOpenIdSupport.needsOpenId(method)) {
             return true;
@@ -185,7 +185,7 @@ public class CashierPayService {
         return PayMethodOpenIdSupport.canAcquireOpenId(method, clientEnv);
     }
 
-    /// openId 拦截级别是否为增强模式（NORMAL 时跳过强制 OAuth, 保留用户体验）
+    /// 用户标识拦截级别是否为增强模式（NORMAL 时跳过强制 OAuth, 保留用户体验）
     private boolean isEnhancedOpenIdLevel() {
         String level = platformSecurityConfigService.getPaySecurityConfig().getRiskOpenIdLevel();
         return PayRiskOpenIdLevelEnum.ENHANCED.getCode().equals(level);
diff --git a/daxpay-payment/daxpay-payment-unipay/src/main/java/cn/daxpay/open/payment/unipay/client/service/CodePayAssistService.java b/daxpay-payment/daxpay-payment-unipay/src/main/java/cn/daxpay/open/payment/unipay/client/service/CodePayAssistService.java
index 06aa2c64f..5e1baf0ec 100644
--- a/daxpay-payment/daxpay-payment-unipay/src/main/java/cn/daxpay/open/payment/unipay/client/service/CodePayAssistService.java
+++ b/daxpay-payment/daxpay-payment-unipay/src/main/java/cn/daxpay/open/payment/unipay/client/service/CodePayAssistService.java
@@ -66,7 +66,7 @@ public class CodePayAssistService {
     private final NormalPayOrderManager normalPayOrderManager;
     /// 风控检查器（可选 SPI：用于判断是否存在 openId 黑名单, 决定是否触发强制 OAuth）
     private final ObjectProvider<PayRiskChecker> payRiskCheckerProvider;
-    /// 平台安全配置（读取 openId 拦截级别, 决定 NORMAL 模式下不触发强制 OAuth）
+    /// 平台安全配置（读取用户标识拦截级别, 决定 NORMAL 模式下不触发强制 OAuth）
     private final PlatformSecurityConfigService platformSecurityConfigService;
 
     /// 根据码牌编码查询支付信息(公开接口, 脱敏返回)
@@ -272,9 +272,9 @@ public class CodePayAssistService {
     /// openId 触发判定
     ///
     /// 1. JSAPI/MINI 类方式: 业务必需, 永远 true（与历史行为一致）
-    /// 2. 主扫/H5 等免 openId 方式: 仅当 openId 拦截级别为 ENHANCED,
-    ///    且存在 openId 黑名单且当前 clientEnv 可 OAuth 时 true,
-    ///    实现 openId 黑名单在码牌场景的全局拦截
+    /// 2. 主扫/H5 等免用户标识方式: 仅当用户标识拦截级别为 ENHANCED,
+    ///    且存在用户标识黑名单且当前 clientEnv 可 OAuth 时 true,
+    ///    实现用户标识黑名单在码牌场景的全局拦截
     private boolean resolveNeedOpenId(String method, ClientEnvEnum clientEnv) {
         if (PayMethodOpenIdSupport.needsOpenId(method)) {
             return true;
@@ -286,7 +286,7 @@ public class CodePayAssistService {
         return PayMethodOpenIdSupport.canAcquireOpenId(method, clientEnv);
     }
 
-    /// openId 拦截级别是否为增强模式（NORMAL 时跳过强制 OAuth, 保留用户体验）
+    /// 用户标识拦截级别是否为增强模式（NORMAL 时跳过强制 OAuth, 保留用户体验）
     private boolean isEnhancedOpenIdLevel() {
         String level = platformSecurityConfigService.getPaySecurityConfig().getRiskOpenIdLevel();
         return PayRiskOpenIdLevelEnum.ENHANCED.getCode().equals(level);
diff --git a/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/en-US/validation.json b/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/en-US/validation.json
index 0e732953e..822fbbe9e 100644
--- a/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/en-US/validation.json
+++ b/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/en-US/validation.json
@@ -792,7 +792,7 @@
       "notNull": "Post-pay logging toggle cannot be empty"
     },
     "riskOpenIdLevel": {
-      "notNull": "openId interception level cannot be empty"
+      "notNull": "User identifier interception level cannot be empty"
     },
     "blockOverseasIp": {
       "notNull": "Overseas IP block toggle cannot be empty"
diff --git a/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/id-ID/validation.json b/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/id-ID/validation.json
index 5b414fa5c..70db936db 100644
--- a/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/id-ID/validation.json
+++ b/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/id-ID/validation.json
@@ -799,7 +799,7 @@
       "notNull": "Pilihan pemeriksaan setelah pembayaran wajib diisi"
     },
     "riskOpenIdLevel": {
-      "notNull": "Level intercept openId tidak boleh kosong"
+      "notNull": "Level intersepsi identifier pengguna tidak boleh kosong"
     },
     "blockOverseasIp": {
       "notNull": "Saklar blokir IP luar negeri tidak boleh kosong"
diff --git a/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/ja-JP/validation.json b/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/ja-JP/validation.json
index 61efab04f..875f319e6 100644
--- a/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/ja-JP/validation.json
+++ b/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/ja-JP/validation.json
@@ -792,7 +792,7 @@
       "notNull": "決済後記録スイッチは必須です"
     },
     "riskOpenIdLevel": {
-      "notNull": "openId ブロック レベルは必須です"
+      "notNull": "ユーザー識別子ブロック レベルは必須です"
     },
     "blockOverseasIp": {
       "notNull": "海外 IP ブロック スイッチは必須です"
diff --git a/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/ko-KR/validation.json b/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/ko-KR/validation.json
index 3ebaee25c..dd301bef9 100644
--- a/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/ko-KR/validation.json
+++ b/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/ko-KR/validation.json
@@ -792,7 +792,7 @@
       "notNull": "결제 후 기록 스위치는 필수입니다"
     },
     "riskOpenIdLevel": {
-      "notNull": "openId 차단 레벨은 필수입니다"
+      "notNull": "사용자 식별자 차단 레벨은 필수입니다"
     },
     "blockOverseasIp": {
       "notNull": "해외 IP 차단 스위치는 필수입니다"
diff --git a/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/ms-MY/validation.json b/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/ms-MY/validation.json
index 833bca02b..8000043be 100644
--- a/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/ms-MY/validation.json
+++ b/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/ms-MY/validation.json
@@ -799,7 +799,7 @@
       "notNull": "Pilihan semakan selepas pembayaran tidak boleh kosong"
     },
     "riskOpenIdLevel": {
-      "notNull": "Tahap sekatan openId tidak boleh kosong"
+      "notNull": "Tahap sekatan pengecam pengguna tidak boleh kosong"
     },
     "blockOverseasIp": {
       "notNull": "Suis sekatan IP luar negara tidak boleh kosong"
diff --git a/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/th-TH/validation.json b/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/th-TH/validation.json
index f91e63964..8c61b0119 100644
--- a/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/th-TH/validation.json
+++ b/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/th-TH/validation.json
@@ -799,7 +799,7 @@
       "notNull": "ตัวเลือกการตรวจสอบหลังชำระเงินต้องไม่เป็นค่าว่าง"
     },
     "riskOpenIdLevel": {
-      "notNull": "ระดับการบล็อก openId ต้องไม่ว่าง"
+      "notNull": "ระดับการบล็อกตัวระบุผู้ใช้ต้องไม่ว่าง"
     },
     "blockOverseasIp": {
       "notNull": "สวิตช์บล็อก IP ต่างประเทศต้องไม่ว่าง"
diff --git a/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/vi-VN/validation.json b/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/vi-VN/validation.json
index 7fd189ec2..c77141587 100644
--- a/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/vi-VN/validation.json
+++ b/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/vi-VN/validation.json
@@ -799,7 +799,7 @@
       "notNull": "Tùy chọn kiểm tra sau thanh toán là bắt buộc"
     },
     "riskOpenIdLevel": {
-      "notNull": "Cấp độ chặn openId không được để trống"
+      "notNull": "Cấp độ chặn mã định danh người dùng không được để trống"
     },
     "blockOverseasIp": {
       "notNull": "Công tắc chặn IP nước ngoài không được để trống"
diff --git a/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/zh-CN/validation.json b/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/zh-CN/validation.json
index 6a2243270..68321463d 100644
--- a/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/zh-CN/validation.json
+++ b/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/zh-CN/validation.json
@@ -792,7 +792,7 @@
       "notNull": "事后补录开关不能为空"
     },
     "riskOpenIdLevel": {
-      "notNull": "openId 拦截级别不能为空"
+      "notNull": "用户标识拦截级别不能为空"
     },
     "blockOverseasIp": {
       "notNull": "海外 IP 拦截开关不能为空"
diff --git a/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/zh-HK/validation.json b/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/zh-HK/validation.json
index f3b681664..af39a9ac3 100644
--- a/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/zh-HK/validation.json
+++ b/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/zh-HK/validation.json
@@ -792,7 +792,7 @@
       "notNull": "事後補錄開關不能為空"
     },
     "riskOpenIdLevel": {
-      "notNull": "openId 攔截級別不能為空"
+      "notNull": "使用者識別碼攔截級別不能為空"
     },
     "blockOverseasIp": {
       "notNull": "海外 IP 攔截開關不能為空"
diff --git a/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/zh-TW/validation.json b/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/zh-TW/validation.json
index 7bc255636..f7df951e0 100644
--- a/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/zh-TW/validation.json
+++ b/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/zh-TW/validation.json
@@ -792,7 +792,7 @@
       "notNull": "事後補錄開關不能為空"
     },
     "riskOpenIdLevel": {
-      "notNull": "openId 攔截級別不能為空"
+      "notNull": "使用者識別碼攔截級別不能為空"
     },
     "blockOverseasIp": {
       "notNull": "海外 IP 攔截開關不能為空"
diff --git a/daxpay-platform/daxpay-platform-service/service-system/src/main/java/cn/daxpay/open/platform/system/entity/config/platform/security/PlatformPaySecurityConfig.java b/daxpay-platform/daxpay-platform-service/service-system/src/main/java/cn/daxpay/open/platform/system/entity/config/platform/security/PlatformPaySecurityConfig.java
index c93c24301..e41506f62 100644
--- a/daxpay-platform/daxpay-platform-service/service-system/src/main/java/cn/daxpay/open/platform/system/entity/config/platform/security/PlatformPaySecurityConfig.java
+++ b/daxpay-platform/daxpay-platform-service/service-system/src/main/java/cn/daxpay/open/platform/system/entity/config/platform/security/PlatformPaySecurityConfig.java
@@ -13,7 +13,7 @@ import lombok.experimental.Accessors;
 /// - 风控总开关: 关闭后支付主链路跳过所有风控检查
 /// - 命中阻断: 支付前命中黑名单是否拒绝下单（关闭则仅记录不拦截）
 /// - 事后补录: 支付成功后是否补充记录命中（用于事后分析，不阻断资金态）
-/// - openId 拦截级别: 是否对 H5 / 主扫等免 openId 方式强制 OAuth, 见 [PayRiskOpenIdLevelEnum]
+/// - 用户标识拦截级别: 是否对 H5 / 主扫等免用户标识方式强制 OAuth, 见 [PayRiskOpenIdLevelEnum]
 /// - 海外 IP 拦截: 占位字段, 后续接入 IP 地理位置库后实现
 @Data
 @Accessors(chain = true)
@@ -28,7 +28,7 @@ public class PlatformPaySecurityConfig {
     /// 支付成功后是否补录命中（用于事后分析）
     private Boolean riskCheckAfterPay = Boolean.TRUE;
 
-    /// openId 拦截级别（默认增强拦截, 保持历史行为）
+    /// 用户标识拦截级别（默认增强拦截, 保持历史行为）
     /// @see PayRiskOpenIdLevelEnum
     private String riskOpenIdLevel = PayRiskOpenIdLevelEnum.ENHANCED.getCode();
 
diff --git a/daxpay-platform/daxpay-platform-service/service-system/src/main/java/cn/daxpay/open/platform/system/enums/PayRiskOpenIdLevelEnum.java b/daxpay-platform/daxpay-platform-service/service-system/src/main/java/cn/daxpay/open/platform/system/enums/PayRiskOpenIdLevelEnum.java
index c5466aba6..4a19f1f35 100644
--- a/daxpay-platform/daxpay-platform-service/service-system/src/main/java/cn/daxpay/open/platform/system/enums/PayRiskOpenIdLevelEnum.java
+++ b/daxpay-platform/daxpay-platform-service/service-system/src/main/java/cn/daxpay/open/platform/system/enums/PayRiskOpenIdLevelEnum.java
@@ -7,20 +7,20 @@ import lombok.RequiredArgsConstructor;
 import java.util.Arrays;
 import java.util.Optional;
 
-/// # openId 拦截级别
+/// # 用户标识拦截级别
 ///
-/// 控制 openId 黑名单对「原本免 openId 支付方式（H5 / 主扫）」是否触发强制 OAuth。
-/// JSAPI / 小程序原生方式业务本身就要 openId, 不受此开关影响。
+/// 控制用户标识黑名单（微信 openId / 支付宝 userId 等）对「原本免用户标识支付方式（H5 / 主扫）」
+/// 是否触发强制 OAuth。JSAPI / 小程序原生方式业务本身就要用户标识, 不受此开关影响。
 ///
 /// - [NORMAL]: 仅做 IP + 事后补录, 不为风控额外触发 OAuth（保留用户体验）
-/// - [ENHANCED]: 存在 openId 名单时, 对 H5 / 主扫等可 OAuth 方式强制静默授权
+/// - [ENHANCED]: 存在用户标识名单时, 对 H5 / 主扫等可 OAuth 方式强制静默授权
 @Getter
 @RequiredArgsConstructor
 public enum PayRiskOpenIdLevelEnum implements I18nSupport {
 
     /// 正常拦截（仅 IP + 事后补录）
     NORMAL("normal"),
-    /// 增强拦截（对 H5 / 主扫强制 OAuth）
+    /// 增强拦截（对 H5 / 主扫强制 OAuth 取用户标识）
     ENHANCED("enhanced");
 
     private final String code;
diff --git a/daxpay-platform/daxpay-platform-service/service-system/src/main/java/cn/daxpay/open/platform/system/param/config/security/PlatformPaySecurityConfigParam.java b/daxpay-platform/daxpay-platform-service/service-system/src/main/java/cn/daxpay/open/platform/system/param/config/security/PlatformPaySecurityConfigParam.java
index 146f25b33..3def45c7d 100644
--- a/daxpay-platform/daxpay-platform-service/service-system/src/main/java/cn/daxpay/open/platform/system/param/config/security/PlatformPaySecurityConfigParam.java
+++ b/daxpay-platform/daxpay-platform-service/service-system/src/main/java/cn/daxpay/open/platform/system/param/config/security/PlatformPaySecurityConfigParam.java
@@ -24,7 +24,7 @@ public class PlatformPaySecurityConfigParam {
     @NotNull(message = "{validation.field.riskCheckAfterPay.notNull}")
     private Boolean riskCheckAfterPay;
 
-    @Schema(description = "openId 拦截级别（normal=正常拦截 / enhanced=增强拦截）")
+    @Schema(description = "用户标识拦截级别（normal=正常拦截 / enhanced=增强拦截）")
     @NotNull(message = "{validation.field.riskOpenIdLevel.notNull}")
     private String riskOpenIdLevel;
 
diff --git a/daxpay-platform/daxpay-platform-service/service-system/src/main/java/cn/daxpay/open/platform/system/result/config/security/PlatformPaySecurityConfigResult.java b/daxpay-platform/daxpay-platform-service/service-system/src/main/java/cn/daxpay/open/platform/system/result/config/security/PlatformPaySecurityConfigResult.java
index c7dcfaa04..28ac51562 100644
--- a/daxpay-platform/daxpay-platform-service/service-system/src/main/java/cn/daxpay/open/platform/system/result/config/security/PlatformPaySecurityConfigResult.java
+++ b/daxpay-platform/daxpay-platform-service/service-system/src/main/java/cn/daxpay/open/platform/system/result/config/security/PlatformPaySecurityConfigResult.java
@@ -23,7 +23,7 @@ public class PlatformPaySecurityConfigResult extends BaseResult {
     @Schema(description = "支付成功后是否补录命中（用于事后分析）")
     private Boolean riskCheckAfterPay;
 
-    @Schema(description = "openId 拦截级别（normal=正常拦截 / enhanced=增强拦截）")
+    @Schema(description = "用户标识拦截级别（normal=正常拦截 / enhanced=增强拦截）")
     private String riskOpenIdLevel;
 
     @Schema(description = "海外 IP 拦截（占位字段, 默认关闭, 后续接入）")