摘要：一微信商戶(hù)號(hào)須開(kāi)通此功能二應(yīng)用環(huán)境三編寫(xiě)代碼層，公眾號(hào)公眾號(hào)商戶(hù)號(hào)支付密鑰證書(shū)保存的絕對(duì)路徑證書(shū)保存的絕對(duì)路徑企業(yè)付款到銀行卡接口商戶(hù)訂單號(hào)付款金額，單位分收款方銀行卡號(hào)收款方用戶(hù)名收款方開(kāi)戶(hù)行根據(jù)銀行名稱(chēng)獲取銀行編號(hào)付款備注支

一、微信商戶(hù)號(hào)須開(kāi)通此功能；

二、應(yīng)用環(huán)境TP5+Mysql+Centos
三、編寫(xiě)代碼
3.1、Model層，Wechat.php

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(hù)訂單號(hào)
     * @params int $amount : 付款金額，單位分
     * @params string $enc_bank_no : 收款方銀行卡號(hào)
     * @params string $enc_true_name : 收款方用戶(hù)名
     * @params string $bank_name : 收款方開(kāi)戶(hù)行,根據(jù)銀行名稱(chēng)獲取銀行編號(hào)bank_code
     * @params string $desc : 付款備注
     * return string $payment_no ：支付成功的訂單號(hào)
    */
    public function payForBank($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);

        $dataXML="
        ".$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{
            $this->errorLog("微信付款到銀行卡失敗，appid：".$this->appid,$ret);
            return false;
        }
    }
    /*
     * 查詢(xún)付款到銀行卡狀態(tài)
     * @params string $out_trade_no : 商戶(hù)訂單號(hào)
     * return array $ret：查詢(xún)狀態(tài)
     * */
    public function queryBank($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);
        $dataXML="
        ".$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{
            $this->errorLog("查詢(xún)微信付款到銀行卡失敗，appid：".$this->appid."，訂單號(hào)：".$out_trade_no,$ret);
            return false;
        }
    }
    /*
     * 銀行編號(hào)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(chēng)，4個(gè)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(guó)銀行":    $bank_code = 1026;  break;
            case "建設(shè)銀行":    $bank_code = 1003;  break;
            case "招商銀行":    $bank_code = 1001;  break;
            case "郵儲(chǔ)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(hào)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(jìn)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(zhuǎn)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);
        }
    }
    /*
    * 發(fā)起POST網(wǎng)絡(luò)請(qǐng)求
    * @params string $url : 請(qǐng)求的url鏈接地址
    * @params string $data : 數(shù)據(jù)包
    * @params bool $ssl : 是否加載證書(shū)
    * return array $result : 返回的數(shù)據(jù)結(jié)果 
    */
    private function httpsPost($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(duì)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(zhuǎn)換成數(shù)組
    * @params xml $xml : xml數(shù)據(jù)
    * return array $data : 返回?cái)?shù)組
    */
    private function xmlToArray($xml)
    {
        //禁止引用外部xml實(shí)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(jī)字符串
     * @param int $length 長(zhǎng)度
     * @param string $type 類(lèi)型
     * @param int $convert 轉(zhuǎn)換大小寫(xiě) 1大寫(xiě) 0小寫(xiě)
     * @return string
    */
    private function random($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 $ret : 調(diào)用接口返回的數(shù)組
    */
    private function errorLog($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);
    }
}

3.2、Controller控制層調(diào)用，Wxpay.php

payForBank($out_trade_no,$money,$enc_bank_no,$enc_true_name,$bank_name,$desc);
        if($payment_no){
             echo "微信付款到銀行卡操作成功，微信訂單號(hào)：".$payment_no;
        } else {
            echo "微信付款到銀行卡操作失敗，請(qǐng)檢查日記";
        }
    }
}

四、付款截圖

五、注意事項(xiàng)
1、獲取的rsa為PKCS1格式需要轉(zhuǎn)成PKCS8，需要執(zhí)行以下命令
$filename : 從微信服務(wù)器上獲取的公鑰數(shù)組
$out_put_filename ：轉(zhuǎn)換成PKCS8后的文件保存路徑
openssl rsa -RSAPublicKey_in -in -out