微信开发之企业付款到银行卡接口开发的示例代码

微信支付已上线企业付款至银行卡功能。商户可以将商户号余额付款至指定的收款银行账户。通过指定收款银行账户户名、卡号，以及收款银行信息即可实现付款。功能目前为灰度开放，已灰度新资金流直连普通商户及普通受理模式子商户，其他商户类型将在后续开放。

一、微信商户号须开通此功能；

二、应用环境TP5+MysqL+Centos

三、编写代码

3.1、Model层，Wechat.PHP

PHP;"> class Wechat extends Model
{
private $appid; //公众号APPID
private $appsecret; //公众号appsecret
private $mchid; //商户号
private $key; //支付密钥
private $sslcert; //证书保存的绝对路径
private $sslkey; //证书保存的绝对路径

public function construct($appid,$appsecret,$mchid,$key,$sslcert,$sslkey)
{
parent::construct();
$this->appid = $appid;
$this->appsecret = $appsecret;
$this->mchid = $mchid;
$this->key = $key;
$this->sslcert = $sslcert;
$this->sslkey = $sslkey;
}
/*

企业付款到银行卡接口
@params string $out_trade_no : 商户订单号
@params int $amount : 付款金额，单位分
@params string $enc_bank_no : 收款方银行卡号
@params string $enc_true_name : 收款方用户名
@params string $bank_name : 收款方开户行,根据银行名称获取银行编号bank_code
@params string $desc : 付款备注
return string $payment_no ：支付成功的订单号
*/
public function payForBank($out_trade_no,$amount,$enc_bank_no,$enc_true_name,$bank_name,$desc='企业付款到银行卡')
{
$data['amount'] = $amount;
$data['bank_code'] = $this->getBankCode($bank_code);
$data['desc'] = $desc;
$data['enc_bank_no'] = $this->publicEncrypt($enc_bank_no);
$data['enc_true_name'] = $this->publicEncrypt($enc_true_name);
$data['mch_id'] = $this->mchid;
$data['nonce_str'] = $this->random(12);
$data['partner_trade_no'] = $out_trade_no;
$sign = $this->getParam($data);

$<a href="https://www.jb51.cc/tag/datax/" target="_blank" class="keywords">datax</a>ML="<xml>
<amount>".$data['amount']."</amount>
<bank_code>".$data['bank_code']."</bank_code>
<desc>".$data['desc']."</desc>
<enc_bank_no>".$data['enc_bank_no']."</enc_bank_no>
<enc_true_name>".$data['enc_true_name']."</enc_true_name>
<mch_id>".$data['mch_id']."</mch_id>
<nonce_str>".$data['nonce_str']."</nonce_str>
<partner_trade_no>".$data['partner_trade_no']."</partner_trade_no>
<sign>".$sign."</sign>
</xml>";

$url = 'https://api.mch.weixin.qq.com/mmpaysptrans/pay_bank';
$ret = $this->httpsPost($url,$<a href="https://www.jb51.cc/tag/datax/" target="_blank" class="keywords">datax</a>ML,true);
if($ret['return_code'] == 'SUCCESS' && $ret['result_code'] == 'SUCCESS' && $ret['err_code'] == 'SUCCESS'){
  return $ret['payment_no'];
}else{
  $this->errorLog('微信付款到银行卡失败，appid：'.$this->appid,$ret);
  return false;
}

}
/*

查询付款到银行卡状态
@params string $out_trade_no : 商户订单号
return array $ret：查询状态
*/
public function queryBank($out_trade_no)
{
$data['mch_id'] = $this->mchid;
$data['nonce_str'] = $this->random(12);
$data['partner_trade_no'] = $out_trade_no;
$sign = $this->getParam($data);
$dataxML="".$data['mch_id']." ".$data['nonce_str']." ".$data['partner_trade_no']." ".$sign." "; $url = 'https://api.mch.weixin.qq.com/mmpaysptrans/query_bank'; $ret = $this->httpsPost($url,true); if($ret['return_code'] == 'SUCCESS' && $ret['result_code'] == 'SUCCESS' && $ret['err_code'] == 'SUCCESS'){ return $ret; }else{ $this->errorLog('查询微信付款到银行卡失败，appid：'.$this->appid.'，订单号：'.$out_trade_no,$ret); return false; } } /*
银行编号列表，详情参考：https://pay.weixin.qq.com/wiki/doc/api/tools/mch_pay.PHP?chapter=24_4
@params string $bank_name : 银行名称，4个汉字
return int $bank_code : 银行编码
*/
private function getBankCode($bank_name)
{
$bank_code = 0;
switch ($bank_name){
case '工商银行': $bank_code = 1002; break;
case '农业银行': $bank_code = 1005; break;
case '中国银行': $bank_code = 1026; break;
case '建设银行': $bank_code = 1003; break;
case '招商银行': $bank_code = 1001; break;
case '邮储银行': $bank_code = 1066; break;
case '交通银行': $bank_code = 1020; break;
case '浦发银行': $bank_code = 1004; break;
case '民生银行': $bank_code = 1006; break;
case '兴业银行': $bank_code = 1009; break;
case '平安银行': $bank_code = 1010; break;
case '中信银行': $bank_code = 1021; break;
case '华夏银行': $bank_code = 1025; break;
case '广发银行': $bank_code = 1027; break;
case '光大银行': $bank_code = 1022; break;
case '北京银行': $bank_code = 1032; break;
case '宁波银行': $bank_code = 1056; break;
}
return $bank_code;
}
/**
公钥加密，银行卡号和姓名需要RSA算法加密
@param string $data 需要加密的字符串，银行卡/姓名
@return null|string 加密后的字符串
/
private function publicEncrypt($data)
{
// 进行加密
$pubkey = openssl_pkey_get_public(file_get_contents(ROOT_PATH.'data/cert/public_pkcs8.pem'));
$encrypt_data = '';
$encrypted = '';
$r = openssl_public_encrypt($data,$encrypt_data,$pubkey,OPENSSL_PKCS1_OAEP_PADDING);
if($r){//加密成功，返回base64编码的字符串
return base64_encode($encrypted.$encrypt_data);
}else{
return false;
}
}
/
获取公钥,格式为PKCS#1 转PKCS#8
openssl rsa -RSAPublicKey_in -in -out
*/
private function get_pub_key()
{
$rsafile = ROOT_PATH.'data/cert/'.$this->appid.'_publicrsa.pem';
if(!is_file($rsafile)){
$data['mch_id'] = $this->mchid;
$data['nonce_str'] = $this->random(12);
$sign = $this->getParam($data);
$dataxML="".$data['mch_id']." ".$data['nonce_str']." ".$sign." "; $url = 'https://fraud.mch.weixin.qq.com/risk/getpublickey'; $ret = $this->httpsPost($url,true); if($ret['return_code'] == 'SUCCESS' && isset($ret['pub_key'])){ file_put_contents($rsafile,$ret['pub_key']); return $ret['pub_key']; }else{ return null; } }else{ return file_get_contents($rsafile); } } /*
发起POST网络请求
@params string $url : 请求的url链接地址
@params string $data : 数据包
@params bool $ssl : 是否加载证书
return array $result : 返回的数据结果
/
private function httpsPost($url,$data,$ssl = false)
{
$ch = curl_init ();
curl_setopt ( $ch,CURLOPT_URL,$url );
curl_setopt ( $ch,CURLOPT_CUSTOMREQUEST,"POST" );
curl_setopt ( $ch,CURLOPT_SSL_VERIFYPEER,FALSE );
curl_setopt ( $ch,CURLOPT_SSL_VERIFYHOST,FALSE );
if($ssl) {
curl_setopt ( $ch,CURLOPT_SSLCERT,$this->sslcert);
curl_setopt ( $ch,CURLOPT_SSLKEY,$this->sslkey);
}
curl_setopt ( $ch,CURLOPT_FOLLOWLOCATION,1 );
curl_setopt ( $ch,CURLOPT_AUTOREFERER,CURLOPT_POSTFIELDS,$data );
curl_setopt ( $ch,CURLOPT_RETURNTRANSFER,true );
$result = curl_exec($ch);
if (curl_errno($ch)) {
return 'Errno: '.curl_error($ch);
}
curl_close($ch);
return $this->xmlToArray($result);
}
//对参数排序，生成MD5加密签名
private function getParam($paramArray,$isencode=false)
{
$paramStr = '';
ksort($paramArray);
$i = 0;
foreach ($paramArray as $key => $value)
{
if ($key == 'Signature'){
continue;
}
if ($i == 0){
$paramStr .= '';
}else{
$paramStr .= '&';
}
$paramStr .= $key . '=' . ($isencode?urlencode($value):$value);
++$i;
}
$stringSignTemp=$paramStr."&key=".$this->key;
$sign=strtoupper(md5($stringSignTemp));
return $sign;
}
/
将xml转换成数组
@params xml $xml : xml数据
return array $data : 返回数组
/
private function xmlToArray($xml)
{
//禁止引用外部xml实体
libxml_disable_entity_loader(true);
$xmlstring = simplexml_load_string($xml,'SimpleXMLElement',LIBXML_NOCDATA);
$val = json_decode(json_encode($xmlstring),true);
return $val;
}
/
随机字符串
@param int $length 长度
@param string $type 类型
@param int $convert 转换大小写 1大写 0小写
@return string
*/
private function random($length=10,$type='letter',$convert=false)
{
$config = array(
'number'=>'1234567890','letter'=>'abcdefghijklmnopqrstuvwxyzABCDEFGHIJKLMNOPQRSTUVWXYZ','string'=>'abcdefghjkmnpqrstuvwxyzABCDEFGHJKMNPQRSTUVWXYZ23456789','all'=>'abcdefghijklmnopqrstuvwxyzABCDEFGHIJKLMNOPQRSTUVWXYZ1234567890'
);

if(!isset($config[$type])) $type = 'letter';
$string = $config[$type];

$code = '';
$strlen = strlen($string) -1;
for($i = 0; $i < $length; $i++){
  $code .= $string{mt_rand(0,$strlen)};
}
if(!empty($convert)){
  $code = ($convert > 0)? strtoupper($code) : strtolower($code);
}
return $code;

}
/*

日志记录
@params string $msg : 文字描述
@params array $ret : 调用接口返回的数组
*/
private function errorLog($msg,$ret)
{
$path = ROOT_PATH.'runtime/error/';
if(!is_dir($path)) mkdir($path,0777);
file_put_contents(ROOT_PATH . 'runtime/error/wxpay.log',"[" . date('Y-m-d H:i:s') . "] ".$msg."," .json_encode($ret).PHP_EOL,FILE_APPEND);
}
}

3.2、Controller控制层调用，Wxpay.PHP

PHP;"> payForBank($out_trade_no,$money,$desc); if($payment_no){ echo '微信付款到银行卡操作成功，微信订单号：'.$payment_no; } else { echo '微信付款到银行卡操作失败，请检查日记'; } } }

四、付款截图

五、注意事项

1、获取的rsa为PKCS1格式需要转成PKCS8，需要执行以下命令

$filename : 从微信服务器上获取的公钥数组

$out_put_filename ：转换成PKCS8后的文件保存路径

openssl rsa -RSAPublicKey_in -in -out

以上就是本文的全部内容，希望对大家的学习有所帮助，也希望大家多多支持编程之家。

原文链接：https://www.f2er.com/js/30113.html