微信开发系列----企业付款到银行卡接口开发

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>