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>
