微信开发系列----企业付款到银行卡接口开发

摘要：一微信商户号须开通此功能二应用环境三编写代码层，公众号公众号商户号支付密钥证书保存的绝对路径证书保存的绝对路径企业付款到银行卡接口商户订单号付款金额，单位分收款方银行卡号收款方用户名收款方开户行根据银行名称获取银行编号付款备注支

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

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);

        $dataXML="
        ".$data["amount"]."
        ".$data["bank_code"]."
        ".$data["desc"]."
        ".$data["enc_bank_no"]."
        ".$data["enc_true_name"]."
        ".$data["mch_id"]."
        ".$data["nonce_str"]."
        ".$data["partner_trade_no"]."
        ".$sign."
        ";

        $url = "https://api.mch.weixin.qq.com/mmpaysptrans/pay_bank";
        $ret =  $this->httpsPost($url,$dataXML,true);
        if($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,$dataXML,true);
        if($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,$dataXML,true);
            if($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, 1 );
        curl_setopt ( $ch, 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

payForBank($out_trade_no,$money,$enc_bank_no,$enc_true_name,$bank_name,$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