微信企业付款至银行卡详细Demo 独立封装

大家好，我是梦辛工作室的灵，在最近的开发项目中，需要用到微信的企业付款至银行卡，在有过之前的企业付款到零钱包的封装好，就变的简单了许多，不过我还是在采用RSA加密银行卡和真实姓名的步骤上卡了许久，经过我不断地尝试还是搞定了这个功能，为了以后方便使用顺便封装了下，WxPayUtilV1.0.2版，下面是如何使用：

 /*** 企业付款到银行卡示例*/public static void compayWxPayBank() {try {// 获取公钥String key = getWxPayPublicKey();CompanyWxPayBankBuilder wxPayBankBuilder = new CompanyWxPayBankBuilder("证书路径", key); // key 为微信返回的公钥wxPayBankBuilder.setMch_id("商户号");wxPayBankBuilder.setAPI_KEY("APIKEY");wxPayBankBuilder.setAmount(200); // 支付金额wxPayBankBuilder.setDesc("支付描述");wxPayBankBuilder.setEnc_bank_no("银行卡卡号");wxPayBankBuilder.setEnc_true_name("真实姓名");wxPayBankBuilder.setBank_code("银行编码");wxPayBankBuilder.build();// 验证数据System.out.println(wxPayBankBuilder.hand());// 发送处理} catch (LackParamExceptions e) {e.printStackTrace();}}/*** 获取公钥*/public static String getWxPayPublicKey() {try {GetPublicKeyBuilder builder = new GetPublicKeyBuilder("证书路径");builder.setAPI_KEY("APIKEY");builder.setmch_id("微信商户号");builder.build();// 验证数据JSONObject result = builder.hand();System.out.println(result);// 发送处理return result.getString("pub_key");} catch (LackParamExceptions e) {e.printStackTrace();}return null;}/*** 企业付款到银行卡查询示例*/public static void compayWxPayBankQuery() {try {CompanyWxPayBankQueryBuilder wxPayBankQueryBuilder = new CompanyWxPayBankQueryBuilder("支付证书路径","交易订单号（商家，不是微信的）");wxPayBankQueryBuilder.setMch_id("商户号");wxPayBankQueryBuilder.setAPI_KEY("APIKEY");wxPayBankQueryBuilder.build();// 验证数据System.out.println(wxPayBankQueryBuilder.hand());// 发送处理} catch (LackParamExceptions e) {e.printStackTrace();}}

有了这个我集成好的工具后，是不是就简单了很多，没有其余更多的复杂逻辑，hand()后就可以拿到对应的处理数据，该工具项目我还集成了微信JSAPI付款发送模板消息微信退款微信退款查询微信企业付款至零钱包付款至银行卡等功能，
下面讲一下我企业付款至银行卡步骤（不感兴趣的同学可直接到底部，github去下载源代码）：

在拿到商户号秘钥和支付证书的基础上，需先获取到公钥

将以上信息按照ASCII码顺序拼接成以下格式：

mch_id=&nonce_str=&key=

然后MD5拿到sign，最后拼接成xml格式：

最后带证书访问值地址：https://fraud.mch.weixin.qq.com/risk/getpublickey
带证书访问代码如下：

public static String httpClientResultGetPublicKey(String url, String xml, String mch_id, String path)throws Exception {StringBuffer reultBuffer = new StringBuffer();KeyStore keyStore = KeyStore.getInstance("PKCS12");FileInputStream instream = new FileInputStream(new File(path));try {keyStore.load(instream, mch_id.toCharArray());} finally {instream.close();}SSLContext sslcontext = SSLContexts.custom().loadKeyMaterial(keyStore, mch_id.toCharArray()).build();SSLConnectionSocketFactory sslsf = new SSLConnectionSocketFactory(sslcontext, new String[] { "TLSv1" }, null,SSLConnectionSocketFactory.BROWSER_COMPATIBLE_HOSTNAME_VERIFIER);HttpPost httpPost = new HttpPost(url);CloseableHttpClient httpclient = HttpClients.custom().setSSLSocketFactory(sslsf).build();StringEntity myEntity = new org.apache.http.entity.StringEntity(xml);myEntity.setContentType("text/xml;charset=UTF-8");myEntity.setContentEncoding("utf-8");httpPost.setHeader("Content-Type", "text/xml; charset=UTF-8");httpPost.setEntity(myEntity);CloseableHttpResponse response = null;InputStream inputStream = null;InputStreamReader inputStreamReader = null;BufferedReader bufferedReader = null;try {response = httpclient.execute(httpPost);HttpEntity entity = response.getEntity();if (entity != null) {inputStream = entity.getContent();inputStreamReader = new InputStreamReader(inputStream);bufferedReader = new BufferedReader(inputStreamReader);String str = null;while ((str = bufferedReader.readLine()) != null) {reultBuffer.append(str);}}} catch (ClientProtocolException e) {e.printStackTrace();} catch (IOException e) {e.printStackTrace();} finally {httpclient.close();response.close();bufferedReader.close();inputStreamReader.close();inputStream.close();inputStream = null;}return reultBuffer.toString();}

访问成功后可以拿到公钥，格式如下：

需要注意的是，这里获取到的秘钥格式是PKCS#1, 我们在用JAVA代码进行RSA加密的时候回报错，这是因为需要将格式转换为PKCS#8才可以，等下后面会讲到

进行企业付款至银行卡

在我们拿到公钥后，就按照以下参数请求，请求格式和加密方法和上面的一样，所需参数为：

这里需要对银行卡和真实姓名进行RSA加密，JAVA需要采用 " RSA/ECB/OAEPWITHSHA-1ANDMGF1PADDING" 填充方式，（需要将公钥格式转换为PKCS#8），加密代码如下（注意，这里的公钥需将头和尾去掉，即不要 “-----BEGIN RSA PUBLIC KEY-----” 和 “-----END RSA PUBLIC KEY-----”），需要为UTF-8格式：

 try {enc_bank_no_pwd = RSAEncryp.encrypt(enc_bank_no.getBytes("utf-8"), pub_key, 11,"RSA/ECB/OAEPWITHSHA-1ANDMGF1PADDING");} catch (Exception e) {e.printStackTrace();enc_bank_no_pwd = "";}try {enc_true_name_pwd = RSAEncryp.encrypt(enc_true_name.getBytes("utf-8"), pub_key, 11,"RSA/ECB/OAEPWITHSHA-1ANDMGF1PADDING");} catch (Exception e) {e.printStackTrace();enc_true_name_pwd = "";}public static String encrypt(byte[] plainBytes, String pub_Key, int reserveSize, String cipherAlgorithm)throws Exception {PublicKey publicKey = getPublicKey(pub_Key, "RSA");byte[] estr = encrypt(plainBytes, publicKey, pub_Key.length(), reserveSize, cipherAlgorithm);return new String(Base64.getEncoder().encode(estr));}public static PublicKey getPublicKey(String key, String keyAlgorithm) throws Exception {try {//在这里做的秘钥格式转换org.bouncycastle.asn1.pkcs.RSAPublicKey rsaPublicKey = org.bouncycastle.asn1.pkcs.RSAPublicKey.getInstance(org.bouncycastle.util.encoders.Base64.decode(key));java.security.spec.RSAPublicKeySpec publicKeySpec = new java.security.spec.RSAPublicKeySpec(rsaPublicKey.getModulus(), rsaPublicKey.getPublicExponent());KeyFactory keyFactory = KeyFactory.getInstance(keyAlgorithm);PublicKey publicKey = keyFactory.generatePublic(publicKeySpec);return publicKey;} catch (Exception e) {throw new Exception("READ PUBLIC KEY ERROR:", e);} finally {}}
public static byte[] encrypt(byte[] plainBytes, PublicKey publicKey, int keyLength, int reserveSize,String cipherAlgorithm) throws Exception {int keyByteSize = keyLength / 8;int encryptBlockSize = keyByteSize - reserveSize;int nBlock = plainBytes.length / encryptBlockSize;if ((plainBytes.length % encryptBlockSize) != 0) {nBlock += 1;}ByteArrayOutputStream outbuf = null;try {Cipher cipher = Cipher.getInstance(cipherAlgorithm);cipher.init(Cipher.ENCRYPT_MODE, publicKey);outbuf = new ByteArrayOutputStream(nBlock * keyByteSize);for (int offset = 0; offset < plainBytes.length; offset += encryptBlockSize) {int inputLen = plainBytes.length - offset;if (inputLen > encryptBlockSize) {inputLen = encryptBlockSize;}byte[] encryptedBlock = cipher.doFinal(plainBytes, offset, inputLen);outbuf.write(encryptedBlock);}outbuf.flush();return outbuf.toByteArray();} catch (Exception e) {throw new Exception("ENCRYPT ERROR:", e);} finally {try {if (outbuf != null) {outbuf.close();}} catch (Exception e) {outbuf = null;throw new Exception("CLOSE ByteArrayOutputStream ERROR:", e);}}}

然后将这些参数按照ASCII码顺序排序凭借为以下字符串：

amount=&bank_code=&desc=&enc_bank_no=&enc_true_name=&mch_id=&nonce_str=&partner_trade_no=&key=

然后MD5拿到sign
然后拼接为以下格式：

然后带证书post到接口地址：https://api.mch.weixin.qq.com/mmpaysptrans/pay_bank
然后就可以啦，企业付款到银行卡查询比较简单，且没有什么需要注意的，我就不说啦，格式和获取公钥一样，仅是参数不同而已

github入口，记得打个start https://github.com/wintton/MxWxPayUtil