本文共 8488 字，大约阅读时间需要 28 分钟。

 Model层，Wechat.php：

   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="
       
    
     ".$data['amount']."
        
    
     ".$data['bank_code']."
        
    
     ".$data['desc']."
        
    
     ".$data['enc_bank_no']."
        
    
     ".$data['enc_true_name']."
        
    
     ".$data['mch_id']."
        
    
     ".$data['nonce_str']."
        
    
     ".$data['partner_trade_no']."
        
    
     ".$sign."
        
   ";     $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="
       
    
     ".$data['mch_id']."
        
    
     ".$data['nonce_str']."
        
    
     ".$data['partner_trade_no']."
        
    
     ".$sign."
        
   ";    $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  
   
     -out 
    
        * */  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="
           
      
       ".$data['mch_id']."
            
      
       ".$data['nonce_str']."
            
      
       ".$sign."
            
     ";      $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);  }}
    
   

 Controller控制层调用，Wxpay.php

   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';    }  }}

参考： 

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>

总结：1.先从微信商户后台获得API的证书

           2.用控制器调用get_pub_key获得公钥

3.再从命令行输入命令

openssl rsa -RSAPublicKey_in -in  
   
     -out 
    
   

配置正确，付款成功

转载地址：http://rttin.baihongyu.com/