近日，在开发“微信企业付款到银行卡”的功能。第一次接触“付款到银行卡“这一块的业务，查询了很多的博客资料以及走了很多的弯路。也发现“企业付款到银行卡”分享的博客并不多。特地写了该博客，希望对你们有帮助。个人浅薄的见解
资料下载：目前资料已经删除了，之前有网友吐槽说：资料不全；也有很多网友加了我qq拿资，咨询怎么做，目前已经解答了有50多位网友的问题了，本人的精力有限，没办法顾及所有网友的问题，所以源码将不再开源。如果有需要加我qq:924155240。发个15~20块吃饭钱，可以把源码发给你+稍稍解答问题
一、企业付款到银行卡API
https://pay.weixin.qq.com/wiki/doc/api/tools/mch_pay.php?chapter=24_2
二、开发准备
（1）证书的准备：java开发需要用到：apiclient_cert.p12证书的，在微信商户平台(pay.weixin.qq.com)–>账户设置–>API安全–>证书中下载的 。
【何时用到证书？】与支付不一样，企业支付功能在发送post请求的时候，需要加载自己的一个证书之后，带着证书去请求退款才可以。这里使用到证书–很多人不知道证书在哪里使用
（2）了解好数字签名 — 简单来解释，就是对自己要发送的数据进行加密处理、换句话说假如说你要传递A/B/C，就对这三者进行加密。初开发者的误区：不知道该加密什么数据、观看网上的博客胡乱进行签名，导致签名错误
【温馨提示：】数字签名是一般开发人员容易遇到的错误，记住“你没遇到数字签名错误，都不好意思说自己做过微信退款支付订单查询等功能”。
耐心解决就行
三、API截图解释
~ 接口说明 + 是否需要证书
~ 数字签名说明 – 记住一句话：对要传递的数据进行加密，你要传递什么就要签名什么
~ 证书说明
~ RSA加密公钥API
四、开发步骤如下
1、拼凑所需要传递的参数 map集合
2、对“收款方银行卡号”、“收款方用户名”进行“采用标准RSA算法”【付款到银行卡，这点最难】
3、根据要传递的参数生成自己的签名
4、把签名放到map集合中【因为签名也要传递过去，看API】
5、将当前的map结合转化成xml格式
6、发送请求到企业付款到银行的Api。发送请求是一个方法来的POST
7、解析返回的xml数据===》map集合
8、根据map中的result_code AND return_code来判断是否成功与失败
【注意：】这里有个很难很难的点就是RSA加密，在这里花费了很长的时间。特地贴出来跟大家讲一下
五、分步解决问题
第一个难点：获取公钥，并且转化成PSCK#8格式，详细过程参考下面这篇文章
http://blog.csdn.net/xiaozhegaa/article/details/79125430
第二个难点就是：RSA的加密、base的 加密。一般常见的加密有DEC加密、RSA加密、MD5加密、盐值加密等、有时间会写几篇加密的算法。这里给大家介绍贴出来两个工具类~~以下两个很长，可以不看。直接贴过去
package com.fh.util.weixin;
import java.io.BufferedReader;
import java.io.ByteArrayOutputStream;
import java.io.FileInputStream;
import java.io.IOException;
import java.io.InputStream;
import java.io.InputStreamReader;
import java.lang.reflect.Method;
import java.security.KeyFactory;
import java.security.PrivateKey;
import java.security.PublicKey;
import java.security.spec.PKCS8EncodedKeySpec;
import java.security.spec.X509EncodedKeySpec;
import javax.crypto.Cipher;
import com.fh.util.weixin.Base64;
import com.fh.util.weixin.RSASignature;
public class RSAUtil
{
public static byte[] decrypt(byte[] encryptedBytes, PrivateKey privateKey, int keyLength, int reserveSize, String cipherAlgorithm) throws Exception {
int keyByteSize = keyLength / 8;
int decryptBlockSize = keyByteSize - reserveSize;
int nBlock = encryptedBytes.length / keyByteSize;
ByteArrayOutputStream outbuf = null;
try {
Cipher cipher = Cipher.getInstance(cipherAlgorithm);
cipher.init(Cipher.DECRYPT_MODE, privateKey);
outbuf = new ByteArrayOutputStream(nBlock * decryptBlockSize);
for (int offset = 0; offset < encryptedBytes.length; offset += keyByteSize) {
int inputLen = encryptedBytes.length - offset;
if (inputLen > keyByteSize) {
inputLen = keyByteSize;
}
byte[] decryptedBlock = cipher.doFinal(encryptedBytes, offset, inputLen);
outbuf.write(decryptedBlock);
}
outbuf.flush();
return outbuf.toByteArray();
} catch (Exception e) {
throw new Exception("DEENCRYPT ERROR:", e);
} finally {
try{
if(outbuf != null){
outbuf.close();
}
}catch (Exception e){
outbuf = null;
throw new Exception("CLOSE ByteArrayOutputStream ERROR:", e);
}
}
}
public static byte[] encrypt(byte[] plainBytes, PublicKey publicKey, int keyLength, int reserveSize, String cipherAlgorithm) throws Exception {
int keyByteSize = keyLength / 8;
int encryptBlockSize = keyByteSize - reserveSize;
int nBlock = plainBytes.length / encryptBlockSize;
if ((plainBytes.length % encryptBlockSize) != 0) {
nBlock += 1;
}
ByteArrayOutputStream outbuf = null;
try {
Cipher cipher = Cipher.getInstance(cipherAlgorithm);
cipher.init(Cipher.ENCRYPT_MODE, publicKey);
outbuf = new ByteArrayOutputStream(nBlock * keyByteSize);
for (int offset = 0; offset < plainBytes.length; offset += encryptBlockSize) {
int inputLen = plainBytes.length - offset;
if (inputLen > encryptBlockSize) {
inputLen = encryptBlockSize;
}
byte[] encryptedBlock = cipher.doFinal(plainBytes, offset, inputLen);
outbuf.write(encryptedBlock);
}
outbuf.flush();
return outbuf.toByteArray();
} catch (Exception e) {
throw new Exception("ENCRYPT ERROR:", e);
} finally {
try{
if(outbuf != null){
outbuf.close();
}
}catch (Exception e){
outbuf = null;
throw new Exception("CLOSE ByteArrayOutputStream ERROR:", e);
}
}
}
public static PrivateKey getPriKey(String privateKeyPath,String keyAlgorithm){
PrivateKey privateKey = null;
InputStream inputStream = null;
try {
if(inputStream==null){
System.out.println("hahhah1!");
}
inputStream = new FileInputStream(privateKeyPath);
System.out.println("hahhah2!");
privateKey = getPrivateKey(inputStream,keyAlgorithm);
System.out.println("hahhah3!");
} catch (Exception e) {
System.out.println("加载私钥出错!");
} finally {
if (inputStream != null){
try {
inputStream.close();
}catch (Exception e){
System.out.println("加载私钥,关闭流时出错!");
}
}
}
return privateKey;
}
public static PublicKey getPubKey(String publicKeyPath,String keyAlgorithm){
PublicKey publicKey = null;
InputStream inputStream = null;
try
{
System.out.println("getPubkey 1......");
inputStream = new FileInputStream(publicKeyPath);
System.out.println("getPubkey 2......");
publicKey = getPublicKey(inputStream,keyAlgorithm);
System.out.println("getPubkey 3......");
} catch (Exception e) {
e.printStackTrace();//EAD PUBLIC KEY ERROR
System.out.println("加载公钥出错!");
} finally {
if (inputStream != null){
try {
inputStream.close();
}catch (Exception e){
System.out.println("加载公钥,关闭流时出错!");
}
}
}
return publicKey;
}
public static PublicKey getPublicKey(InputStream inputStream, String keyAlgorithm) throws Exception {
try
{
System.out.println("b1.........");
BufferedReader br = new BufferedReader(new InputStreamReader(inputStream));
System.out.println("b2.........");
StringBuilder sb = new StringBuilder();
String readLine = null;
System.out.println("b3.........");
while ((readLine = br.readLine()) != null) {
if (readLine.charAt(0) == '-') {
continue;
} else {
sb.append(readLine);
sb.append('\r');
}
}
System.out.println("b4.........");
X509EncodedKeySpec pubX509 = new X509EncodedKeySpec(decodeBase64(sb.toString()));
System.out.println("b5.........");
KeyFactory keyFactory = KeyFactory.getInstance(keyAlgorithm);
System.out.println("b6.........");
//下行出错 java.security.spec.InvalidKeySpecException: java.security.InvalidKeyException: IOException: DerInputStream.getLength(): lengthTag=127, too big.
PublicKey publicKey = keyFactory.generatePublic(pubX509);
System.out.println("b7.........");
return publicKey;
} catch (Exception e) {
e.printStackTrace();
System.out.println("b8.........");
throw new Exception("READ PUBLIC KEY ERROR:", e);
} finally {
try {
if (inputStream != null) {
inputStream.close();
}
} catch (IOException e) {
inputStream = null;
throw new Exception("INPUT STREAM CLOSE ERROR:", e);
}
}
}
public static PrivateKey getPrivateKey(InputStream inputStream, String keyAlgorithm) throws Exception {
try {
BufferedReader br = new BufferedReader(new InputStreamReader(inputStream));
StringBuilder sb = new StringBuilder();
String readLine = null;
while ((readLine = br.readLine()) != null) {
if (readLine.charAt(0) == '-') {
continue;
} else {
sb.append(readLine);
sb.append('\r');
}
}
System.out.println("hahhah4!"+decodeBase64(sb.toString()));
PKCS8EncodedKeySpec priPKCS8 = new PKCS8EncodedKeySpec(decodeBase64(sb.toString()));
System.out.println("hahhah5!");
KeyFactory keyFactory = KeyFactory.getInstance(keyAlgorithm);
System.out.println("hahhah6!");
PrivateKey privateKey = keyFactory.generatePrivate(priPKCS8);
System.out.println("hahhah7!");
return privateKey;
} catch (Exception e) {
throw new Exception("READ PRIVATE KEY ERROR:" ,e);
} finally {
try {
if (inputStream != null) {
inputStream.close();
}
} catch (IOException e) {
inputStream = null;
throw new Exception("INPUT STREAM CLOSE ERROR:", e);
}
}
}
//一下面是base64的编码和解码
public static String encodeBase64(byte[]input) throws Exception{
Class clazz=Class.forName("com.sun.org.apache.xerces.internal.impl.dv.util.Base64");
Method mainMethod= clazz.getMethod("encode", byte[].class);
mainMethod.setAccessible(true);
Object retObj=mainMethod.invoke(null, new Object[]{input});
return (String)retObj;
}
/***
* decode by Base64
*/
public static byte[] decodeBase64(String input) throws Exception{
Class clazz=Class.forName("com.sun.org.apache.xerces.internal.impl.dv.util.Base64");
Method mainMethod= clazz.getMethod("decode", String.class);
mainMethod.setAccessible(true);
Object retObj=mainMethod.invoke(null, input);
return (byte[])retObj;
}
}
package com.fh.util.weixin;
public final class Base64 {
static private final int BASELENGTH = 128;
static private final int LOOKUPLENGTH = 64;
static private final int TWENTYFOURBITGROUP = 24;
static private final int EIGHTBIT = 8;
static private final int SIXTEENBIT = 16;
static private final int FOURBYTE = 4;
static private final int SIGN = -128;
static private final char PAD = '=';
static private final boolean fDebug = false;
static final private byte[] base64Alphabet = new byte[BASELENGTH];
static final private char[] lookUpBase64Alphabet = new char[LOOKUPLENGTH];
static {
for (int i = 0; i < BASELENGTH; ++i) {
base64Alphabet[i] = -1;
}
for (int i = 'Z'; i >= 'A'; i--) {
base64Alphabet[i] = (byte) (i - 'A');
}
for (int i = 'z'; i >= 'a'; i--) {
base64Alphabet[i] = (byte) (i - 'a' + 26);
}
for (int i = '9'; i >= '0'; i--) {
base64Alphabet[i] = (byte) (i - '0' + 52);
}
base64Alphabet['+'] = 62;
base64Alphabet['/'] = 63;
for (int i = 0; i <= 25; i++) {
lookUpBase64Alphabet[i] = (char) ('A' + i);
}
for (int i = 26, j = 0; i <= 51; i++, j++) {
lookUpBase64Alphabet[i] = (char) ('a' + j);
}
for (int i = 52, j = 0; i <= 61; i++, j++) {
lookUpBase64Alphabet[i] = (char) ('0' + j);
}
lookUpBase64Alphabet[62] = (char) '+';
lookUpBase64Alphabet[63] = (char) '/';
}
private static boolean isWhiteSpace(char octect) {
return (octect == 0x20 || octect == 0xd || octect == 0xa || octect == 0x9);
}
private static boolean isPad(char octect) {
return (octect == PAD);
}
private static boolean isData(char octect) {
return (octect < BASELENGTH && base64Alphabet[octect] != -1);
}
/**
* Encodes hex octects into Base64
*
* @param binaryData Array containing binaryData
* @return Encoded Base64 array
*/
public static String encode(byte[] binaryData) {
if (binaryData == null) {
return null;
}
int lengthDataBits = binaryData.length * EIGHTBIT;
if (lengthDataBits == 0) {
return "";
}
int fewerThan24bits = lengthDataBits % TWENTYFOURBITGROUP;
int numberTriplets = lengthDataBits / TWENTYFOURBITGROUP;
int numberQuartet = fewerThan24bits != 0 ? numberTriplets + 1 : numberTriplets;
char encodedData[] = null;
encodedData = new char[numberQuartet * 4];
byte k = 0, l = 0, b1 = 0, b2 = 0, b3 = 0;
int encodedIndex = 0;
int dataIndex = 0;
if (fDebug) {
System.out.println("number of triplets = " + numberTriplets);
}
for (int i = 0; i < numberTriplets; i++) {
b1 = binaryData[dataIndex++];
b2 = binaryData[dataIndex++];
b3 = binaryData[dataIndex++];
if (fDebug) {
System.out.println("b1= " + b1 + ", b2= " + b2 + ", b3= " + b3);
}
l = (byte) (b2 & 0x0f);
k = (byte) (b1 & 0x03);
byte val1 = ((b1 & SIGN) == 0) ? (byte) (b1 >> 2) : (byte) ((b1) >> 2 ^ 0xc0);
byte val2 = ((b2 & SIGN) == 0) ? (byte) (b2 >> 4) : (byte) ((b2) >> 4 ^ 0xf0);
byte val3 = ((b3 & SIGN) == 0) ? (byte) (b3 >> 6) : (byte) ((b3) >> 6 ^ 0xfc);
if (fDebug) {
System.out.println("val2 = " + val2);
System.out.println("k4 = " + (k << 4));
System.out.println("vak = " + (val2 | (k << 4)));
}
encodedData[encodedIndex++] = lookUpBase64Alphabet[val1];
encodedData[encodedIndex++] = lookUpBase64Alphabet[val2 | (k << 4)];
encodedData[encodedIndex++] = lookUpBase64Alphabet[(l << 2) | val3];
encodedData[encodedIndex++] = lookUpBase64Alphabet[b3 & 0x3f];
}
// form integral number of 6-bit groups
if (fewerThan24bits == EIGHTBIT) {
b1 = binaryData[dataIndex];
k = (byte) (b1 & 0x03);
if (fDebug) {
System.out.println("b1=" + b1);
System.out.println("b1<<2 = " + (b1 >> 2));
}
byte val1 = ((b1 & SIGN) == 0) ? (byte) (b1 >> 2) : (byte) ((b1) >> 2 ^ 0xc0);
encodedData[encodedIndex++] = lookUpBase64Alphabet[val1];
encodedData[encodedIndex++] = lookUpBase64Alphabet[k << 4];
encodedData[encodedIndex++] = PAD;
encodedData[encodedIndex++] = PAD;
} else if (fewerThan24bits == SIXTEENBIT) {
b1 = binaryData[dataIndex];
b2 = binaryData[dataIndex + 1];
l = (byte) (b2 & 0x0f);
k = (byte) (b1 & 0x03);
byte val1 = ((b1 & SIGN) == 0) ? (byte) (b1 >> 2) : (byte) ((b1) >> 2 ^ 0xc0);
byte val2 = ((b2 & SIGN) == 0) ? (byte) (b2 >> 4) : (byte) ((b2) >> 4 ^ 0xf0);
encodedData[encodedIndex++] = lookUpBase64Alphabet[val1];
encodedData[encodedIndex++] = lookUpBase64Alphabet[val2 | (k << 4)];
encodedData[encodedIndex++] = lookUpBase64Alphabet[l << 2];
encodedData[encodedIndex++] = PAD;
}
return new String(encodedData);
}
/**
* Decodes Base64 data into octects
*
* @param encoded string containing Base64 data
* @return Array containind decoded data.
*/
public static byte[] decode(String encoded) {
if (encoded == null) {
return null;
}
char[] base64Data = encoded.toCharArray();
// remove white spaces
int len = removeWhiteSpace(base64Data);
if (len % FOURBYTE != 0) {
return null;//should be divisible by four
}
int numberQuadruple = (len / FOURBYTE);
if (numberQuadruple == 0) {
return new byte[0];
}
byte decodedData[] = null;
byte b1 = 0, b2 = 0, b3 = 0, b4 = 0;
char d1 = 0, d2 = 0, d3 = 0, d4 = 0;
int i = 0;
int encodedIndex = 0;
int dataIndex = 0;
decodedData = new byte[(numberQuadruple) * 3];
for (; i < numberQuadruple - 1; i++) {
if (!isData((d1 = base64Data[dataIndex++])) || !isData((d2 = base64Data[dataIndex++]))
|| !isData((d3 = base64Data[dataIndex++]))
|| !isData((d4 = base64Data[dataIndex++]))) {
return null;
}//if found "no data" just return null
b1 = base64Alphabet[d1];
b2 = base64Alphabet[d2];
b3 = base64Alphabet[d3];
b4 = base64Alphabet[d4];
decodedData[encodedIndex++] = (byte) (b1 << 2 | b2 >> 4);
decodedData[encodedIndex++] = (byte) (((b2 & 0xf) << 4) | ((b3 >> 2) & 0xf));
decodedData[encodedIndex++] = (byte) (b3 << 6 | b4);
}
if (!isData((d1 = base64Data[dataIndex++])) || !isData((d2 = base64Data[dataIndex++]))) {
return null;//if found "no data" just return null
}
b1 = base64Alphabet[d1];
b2 = base64Alphabet[d2];
d3 = base64Data[dataIndex++];
d4 = base64Data[dataIndex++];
if (!isData((d3)) || !isData((d4))) {//Check if they are PAD characters
if (isPad(d3) && isPad(d4)) {
if ((b2 & 0xf) != 0)//last 4 bits should be zero
{
return null;
}
byte[] tmp = new byte[i * 3 + 1];
System.arraycopy(decodedData, 0, tmp, 0, i * 3);
tmp[encodedIndex] = (byte) (b1 << 2 | b2 >> 4);
return tmp;
} else if (!isPad(d3) && isPad(d4)) {
b3 = base64Alphabet[d3];
if ((b3 & 0x3) != 0)//last 2 bits should be zero
{
return null;
}
byte[] tmp = new byte[i * 3 + 2];
System.arraycopy(decodedData, 0, tmp, 0, i * 3);
tmp[encodedIndex++] = (byte) (b1 << 2 | b2 >> 4);
tmp[encodedIndex] = (byte) (((b2 & 0xf) << 4) | ((b3 >> 2) & 0xf));
return tmp;
} else {
return null;
}
} else { //No PAD e.g 3cQl
b3 = base64Alphabet[d3];
b4 = base64Alphabet[d4];
decodedData[encodedIndex++] = (byte) (b1 << 2 | b2 >> 4);
decodedData[encodedIndex++] = (byte) (((b2 & 0xf) << 4) | ((b3 >> 2) & 0xf));
decodedData[encodedIndex++] = (byte) (b3 << 6 | b4);
}
return decodedData;
}
/**
* remove WhiteSpace from MIME containing encoded Base64 data.
*
* @param data the byte array of base64 data (with WS)
* @return the new length
*/
private static int removeWhiteSpace(char[] data) {
if (data == null) {
return 0;
}
// count characters that's not whitespace
int newSize = 0;
int len = data.length;
for (int i = 0; i < len; i++) {
if (!isWhiteSpace(data[i])) {
data[newSize++] = data[i];
}
}
return newSize;
}
}
然后就可以了，测试案例如下：
package com.fh.controller.weixin.junit;
import java.security.PublicKey;
import com.fh.util.weixin.Base64;
import com.fh.util.weixin.RSAUtil;
public class DemoTest {
public static void main(String[] args) throws Exception {
//需要被加密的字符串
String encBankAcctName = "小郑"; //加密的银行账户名
//定义自己公钥的路径
String keyfile = "C:/book/pksc8_public.pem"; //
//RSA工具类提供了，根据加载PKCS8密钥文件的方法
PublicKey pub=RSAUtil.getPubKey(keyfile,"RSA");
//rsa是微信付款到银行卡要求我们填充的字符串
String rsa ="RSA/ECB/OAEPWITHSHA-1ANDMGF1PADDING";
// 进行加密
byte[] estr=RSAUtil.encrypt(encBankAcctName.getBytes(),pub,2048, 11,rsa); //对银行账号进行base加密
encBankAcctName =Base64.encode(estr);//并转为base64格式
//测试输出
System.out.println(encBankAcctName);
}
}
你能够正确的输出一串字符，说明你加密算法是没有问题的，如果有问题，会报错。输出不了
第三个难点：涉及到xml转化map，map转化成xml、签名、POST+证书发送。这个的话，详细可以查看这篇文件。里面的工具类都贴出来了，就是方便大家开发
http://blog.csdn.net/xiaozhegaa/article/details/79127283
六、正式的代码~ ~按照上述的8个步骤分别贴出来，很简单的
1、拼凑所需要传递的参数 map集合
2、对“收款方银行卡号”、“收款方用户名”进行“采用标准RSA算法”【付款到银行卡，这点最难】
3、根据要传递的参数生成自己的签名
4、把签名放到map集合中【因为签名也要传递过去，看API】
5、将当前的map结合转化成xml格式
6、发送请求到企业付款到银行的Api。发送请求是一个方法来的POST
7、解析返回的xml数据===》map集合
8、根据map中的result_code AND return_code来判断是否成功与失败
【注意第二步骤假设我们已经得到了公钥。至于如何获得，看第一个难点推荐的文章~自己去获取呗】
@Test
public void test1(){
//1~拼凑所需要传递的参数 map集合 ->查看API,传入参数哪些是必须的
String encBankAcctNo = "621226201001876****"; //加密的银行账号
String encBankAcctName = "小郑"; //加密的银行账户名
String bank_code = "1002"; //银行卡的编号~
String desc ="测试提现到账通知";//转账描述
String partner_trade_no = RandomStringGenerator.getRandomStringByLength(32);//生成随机号，
//这里大家没有该方法的，建议使用UUID。随便输出不超过32位的字符串即可
String nonce_str1 = RandomStringGenerator.getRandomStringByLength(32);//同上
String mch_id = wxconfig.mch_id;//获取商务号的id
String amount = "100"; //付款金额，单位是分
//2.0 对“收款方银行卡号”、“收款方用户名”进行“采用标准RSA算法”【付款到银行卡，这点最难】
//定义自己公钥的路径
String keyfile = "C:/book/pksc8_public.pem"; //读取PKCS8密钥文件
//RSA工具类提供了，根据加载PKCS8密钥文件的方法
PublicKey pub=RSAUtil.getPubKey(keyfile,"RSA");
//rsa是微信付款到银行卡要求我们填充的字符串
String rsa ="RSA/ECB/OAEPWITHSHA-1ANDMGF1PADDING";
try {
byte[] estr=RSAUtil.encrypt(encBankAcctNo.getBytes(),pub,2048, 11,rsa);
//对银行账号进行加密
encBankAcctNo =Base64.encode(estr);//并转为base64格式
estr=RSAUtil.encrypt(encBankAcctName.getBytes("UTF-8"),pub,2048, 11,rsa);
encBankAcctName = Base64.encode(estr); //对银行账户名加密并转为base64
} catch (UnsupportedEncodingException e1) {
// TODO Auto-generated catch block
e1.printStackTrace();
} catch (Exception e1) {
// TODO Auto-generated catch block
e1.printStackTrace();
}
//3.0 根据要传递的参数生成自己的签名
SortedMap<Object,Object> parameters1 = new TreeMap<Object,Object>();
parameters1.put("mch_id", mch_id);
parameters1.put("partner_trade_no", partner_trade_no);
parameters1.put("nonce_str", nonce_str1);
parameters1.put("enc_bank_no", encBankAcctNo);
parameters1.put("enc_true_name", encBankAcctName);
parameters1.put("bank_code", bank_code);
parameters1.put("amount", amount);
parameters1.put("desc", desc);
//直接调用签名方法，在上述第三个难点中可以找到哦
String sign = SignUtils.creatSign("utf-8",parameters1);
//4.0 把签名放到map集合中【因为签名也要传递过去，看API】
parameters1.put("sign", sign);
//5.0 将当前的map结合转化成xml格式 ~~ 在上述第三个难点推荐的文章有该方法
String reuqestXml = WXPayUtil.getRequestXml(parameters1);
//6.0 发送请求到企业付款到银行的Api。发送请求是一个方法来的POST
String wxUrl = "https://api.mch.weixin.qq.com/mmpaysptrans/pay_bank"; //获取退款的api接口
try {
//调用方法发送了 -- 在上述第三个难点推荐的文章有该方法
String weixinPost = ClientCustomSSL.doRefund(wxUrl, reuqestXml).toString();
//7.0 解析返回的xml数据-- 在上述第三个难点推荐的文章有该方法
EnterpriceToCustomerByCard enterpriceToCustomerByCard = EnterpricePayByBankXmlToBeanUtils.parseXmlToMap(weixinPost);
//8.0根据map中的result_code AND return_code来判断是否成功与失败~~写自己的逻辑
if("SUCCESS".equalsIgnoreCase(enterpriceToCustomerByCard.getResult_code())
&&
"SUCCESS".equalsIgnoreCase(enterpriceToCustomerByCard.getReturn_code())){
//8表示退款成功
//TODO写自己的逻辑
//TODO 更改自己的申请单状态，生成记录等等
}else{
//9 表示退款失败
//TODO 调用service的方法 ，存储失败提现的记录咯
}
} catch (Exception e) {
// TODO Auto-generated catch block
e.printStackTrace();
}
}
至此就可以实现了企业付款到银行卡的功能了。至于说银行卡编号之类的，去写一个switch判断，得到就可以了~~希望对大家有帮助
