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
namespace app\home\model;
use think\Cache;

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);

    $dataXML="<xml>
    <amount>".$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,$dataXML,true);
    if($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);
    $dataXML="<xml>
    <mch_id>".$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/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  <filename> -out <out_put_filename>
   * */
  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);
      $dataXML="<xml>
      <mch_id>".$data['mch_id']."</mch_id>
      <nonce_str>".$data['nonce_str']."</nonce_str>
      <sign>".$sign."</sign>
      </xml>";
      $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

<?php
namespace app\home\controller;
use app\home\model\Wechat;
class Wxpay extends Controller
{
  //企业付款到银行卡
  public function payBank()
  {
    $appid = 'wx****d4';
    $appsecret = '37***f0';
    $mchid = '13***2';
    $key = '53***e8';
    $sslcert = ROOT_PATH.'data/cert/apiclient_cert.pem';
    $sslkey = ROOT_PATH.'data/cert/apiclient_key.pem';
    $out_trade_no = date('Ymdhis', time()).substr(floor(microtime()*1000),0,1).rand(0,9);
    $money = 100;
    $enc_bank_no = '62***44';
    $enc_true_name = '张**';
    $bank_name = '中国银行';
    $desc = '企业付款到银行卡测试';
    $wxapi = new Wechat($appid,$appsecret,$mchid,$key,$sslcert,$sslkey);
    $payment_no = $wxapi->payForBank($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 <filename> -out <out_put_filename>

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