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

rush: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 $paymentno ：支付成功的订单号
  */
  public function payForBank($outTrade_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['noncestr'] = $this->random(12);
  $data['partnerTradeno'] = $outTrade_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>".$data['partner_<a href="https://www.jb51.cc/tag/Trad/" target="_blank" class="keywords">Trad</a>e_no']."</partner_trade_no>
<sign>".$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['noncestr'] = $this->random(12);
  $data['partnerTradeno'] = $outTrade_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($con<a href="https://www.jb51.cc/tag/fig/" target="_blank" class="keywords">fig</a>[$type])) $type = 'letter';
$string = $con<a href="https://www.jb51.cc/tag/fig/" target="_blank" class="keywords">fig</a>[$type];

$code = '';
$strlen = strlen($string) -1;
for($i = 0; $i < $length; $i++){
  $code .= $string{mt_rand(0,$strlen)};
}
if(!empty($convert)){
  $code = ($convert > 0)? str<a href="https://www.jb51.cc/tag/toupper/" target="_blank" class="keywords">toupper</a>($code) : strtolower($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

rush: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。