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