一、微信商戶號須開通此功能；
二、應用環境TP5+Mysql+Centos
三、編寫程式碼
3.1、Model層，Wechat.php
<?php
namespace app\home\model;
use think\Cache;
class Wechat extends Model
{
private $appid; //公眾號APPID
private $appsecret; //公眾號appsecret
private $mchid; //商戶號
private $key; //支付金鑰
private $sslcert; //證照儲存的絕對路徑
private $sslkey; //證照儲存的絕對路徑
public function __construct($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;
}
/*
* 企業付款到銀行卡介面
* @params string $out_trade_no : 商戶訂單號
* @params int $amount : 付款金額，單位分
* @params string $enc_bank_no : 收款方銀行卡號
* @params string $enc_true_name : 收款方使用者名稱
* @params string $bank_name : 收款方開戶行,根據銀行名稱獲取銀行編號bank_code
* @params string $desc : 付款備註
* return string $payment_no ：支付成功的訂單號
*/
public function payForBank($out_trade_no,$amount,$enc_bank_no,$enc_true_name,$bank_name,$desc='企業付款到銀行卡')
{
$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{
$this->errorLog('微信付款到銀行卡失敗，appid：'.$this->appid,$ret);
return false;
}
}
/*
* 查詢付款到銀行卡狀態
* @params string $out_trade_no : 商戶訂單號
* return array $ret：查詢狀態
* */
public function queryBank($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{
$this->errorLog('查詢微信付款到銀行卡失敗，appid：'.$this->appid.'，訂單號：'.$out_trade_no,$ret);
return false;
}
}
/*
* 銀行編號列表，詳情參考：https://pay.weixin.qq.com/wiki/doc/api/tools/mch_pay.php?chapter=24_4
* @params string $bank_name : 銀行名稱，4個漢字
* return int $bank_code : 銀行編碼
* */
private function getBankCode($bank_name)
{
$bank_code = 0;
switch ($bank_name){
case '工商銀行': $bank_code = 1002; break;
case '農業銀行': $bank_code = 1005; break;
case '中國銀行': $bank_code = 1026; break;
case '建設銀行': $bank_code = 1003; break;
case '招商銀行': $bank_code = 1001; break;
case '郵儲銀行': $bank_code = 1066; break;
case '交通銀行': $bank_code = 1020; break;
case '浦發銀行': $bank_code = 1004; break;
case '民生銀行': $bank_code = 1006; break;
case '興業銀行': $bank_code = 1009; break;
case '平安銀行': $bank_code = 1010; break;
case '中信銀行': $bank_code = 1021; break;
case '華夏銀行': $bank_code = 1025; break;
case '廣發銀行': $bank_code = 1027; break;
case '光大銀行': $bank_code = 1022; break;
case '北京銀行': $bank_code = 1032; break;
case '寧波銀行': $bank_code = 1056; break;
}
return $bank_code;
}
/**
* 公鑰加密，銀行卡號和姓名需要RSA演算法加密
* @param string $data 需要加密的字串，銀行卡/姓名
* @return null|string 加密後的字串
*/
private function publicEncrypt($data)
{
// 進行加密
$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($r){//加密成功，返回base64編碼的字串
return base64_encode($encrypted.$encrypt_data);
}else{
return false;
}
}
/*
* 獲取公鑰,格式為PKCS#1 轉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);
}
}
/*
* 發起POST網路請求
* @params string $url : 請求的url連結地址
* @params string $data : 資料包
* @params bool $ssl : 是否載入證照
* return array $result : 返回的資料結果
*/
private function httpsPost($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);
}
//對引數排序，生成MD5加密簽名
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;
}
/*
* 將xml轉換成陣列
* @params xml $xml : xml資料
* return array $data : 返回陣列
*/
private function xmlToArray($xml)
{
//禁止引用外部xml實體
libxml_disable_entity_loader(true);
$xmlstring = simplexml_load_string($xml, 'SimpleXMLElement', LIBXML_NOCDATA);
$val = json_decode(json_encode($xmlstring),true);
return $val;
}
/*
* 隨機字串
* @param int $length 長度
* @param string $type 型別
* @param int $convert 轉換大小寫 1大寫 0小寫
* @return string
*/
private function random($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;
}
/*
* 日誌記錄
* @params string $msg : 文字描述
* @params array $ret : 呼叫介面返回的陣列
*/
private function errorLog($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控制層呼叫，Wxpay.php
<?php
namespace app\home\controller;
use app\home\model\Wechat;
class Wxpay extends Controller
{
//企業付款到銀行卡
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 = '張**';
$bank_name = '中國銀行';
$desc = '企業付款到銀行卡測試';
$wxapi = new Wechat($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 '微信付款到銀行卡操作成功，微信訂單號：'.$payment_no;
} else {
echo '微信付款到銀行卡操作失敗，請檢查日記';
}
}
}四、付款截圖
五、注意事項
1、獲取的rsa為PKCS1格式需要轉成PKCS8，需要執行以下命令
$filename : 從微信伺服器上獲取的公鑰陣列
$out_put_filename ：轉換成PKCS8後的檔案儲存路徑
openssl rsa -RSAPublicKey_in -in <filename> -out <out_put_filename>