diff --git a/src_core/com/tenwa/comm/message/controller/BankCardChangeReminderMessage.java b/src_core/com/tenwa/comm/message/controller/BankCardChangeReminderMessage.java
new file mode 100644
index 000000000..dc8fba99c
--- /dev/null
+++ b/src_core/com/tenwa/comm/message/controller/BankCardChangeReminderMessage.java
@@ -0,0 +1,53 @@
+package com.tenwa.comm.message.controller;
+
+import java.text.SimpleDateFormat;
+import java.util.Calendar;
+import java.util.Date;
+import java.util.HashMap;
+import java.util.List;
+import java.util.Map;
+
+import jbo.app.tenwa.customer.CUSTOMER_ACCOUNT;
+import jbo.com.tenwa.lease.comm.LB_INSURANCE_INFO;
+import jbo.sys.CODE_LIBRARY;
+
+import com.amarsoft.are.jbo.BizObject;
+import com.amarsoft.are.jbo.BizObjectManager;
+import com.amarsoft.are.jbo.JBOFactory;
+import com.tenwa.officetempalte.util.FileOperatorUtil;
+
+public class BankCardChangeReminderMessage extends BaseBussinessMessage{
+
+	@Override
+	public void loadMessageInfo()throws Exception{
+		String reminderDays = this.messageParam.get("reminderdays")==null?"0":this.messageParam.get("reminderdays");
+		
+		Date currentTime = new Date();  
+		SimpleDateFormat format = new SimpleDateFormat("yyyy-MM-dd");  
+	    Calendar calendar = Calendar.getInstance();
+        calendar.setTime(currentTime);
+        calendar.add(Calendar.DATE, Integer.parseInt(reminderDays));
+        Date reminderTime = calendar.getTime();
+        String reminderDate = format.format(reminderTime); 
+        
+        format = new SimpleDateFormat("yyyy/MM/dd");
+        String queryDate = format.format(reminderTime);
+        
+    	Map<String,Object>cparam=new HashMap<String,Object>();
+    	cparam.put("date",reminderDate);
+    	Map<String,String>message=new HashMap<String,String>();
+    	message.put("MessageTitle", FileOperatorUtil.getFileNameByFormual(this.messageConfig.getAttribute("message_title").getString(),cparam));
+    	message.put("MessageContent", "");
+    	message.put("Cparam", "ID="+this.messageId+"&QueryDate="+queryDate);
+    	BizObjectManager liiManager = JBOFactory.getBizObjectManager(CUSTOMER_ACCOUNT.CLASS_NAME);
+    	List<BizObject> liis = liiManager.createQuery("UPDATETIME like :cardupdatetime and sign_status='N' ").setParameter("cardupdatetime",queryDate+"%").getResultList(false);
+    	if(liis!=null && liis.size()>0){
+    		Map<String,String>userIds=this.getMessageUsers();
+        	for(String key:userIds.keySet()){
+        		message.put("UserId", key);
+        		this.saveBaseMessage(message);
+        	}
+    	}
+    }
+	
+}