<?phpnamespace 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;       //支付密鑰  private $sslcert;     //證書保存的絕對路徑  private $sslkey;     //證書保存的絕對路徑    public function __construct($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(yè)付款到銀行卡接口   * @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 : 收款方用戶名   * @params string $bank_name : 收款方開戶行,根據(jù)銀行名稱獲取銀行編號bank_code   * @params string $desc : 付款備注   * 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(yè)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(tài)   * @params string $out_trade_no : 商戶訂單號   * return array $ret：查詢狀態(tài)   * */  public function queryBank($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(nóng)業(yè)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(fā)銀行':  $bank_code = 1004; break;      case '民生銀行':  $bank_code = 1006; break;      case '興業(yè)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(fā)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算法加密   * @param string $data  需要加密的字符串，銀行卡/姓名   * @return null|string  加密后的字符串   */  private function publicEncrypt($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($r){//加密成功，返回base64編碼的字符串      return base64_encode($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(fā)起POST網(wǎng)絡請求  * @params string $url : 請求的url鏈接地址  * @params string $data : 數(shù)據(jù)包  * @params bool $ssl : 是否加載證書  * return array $result : 返回的數(shù)據(jù)結果   */  private function httpsPost($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);  }  //對參數(shù)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轉換成數(shù)組  * @params xml $xml : xml數(shù)據(jù)  * return array $data : 返回數(shù)組  */  private function xmlToArray($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;  }  /*  *  隨機字符串   * @param int $length 長度   * @param string $type 類型   * @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;  }  /*  * 日志記錄  * @params string $msg : 文字描述  * @params array $ret : 調用接口返回的數(shù)組  */  private function errorLog($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);  }}

<?phpnamespace app/home/controller;use app/home/model/Wechat;class Wxpay extends Controller{  //企業(yè)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(yè)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';    }  }}