java 微信公众号支付，微信提现到银行卡，微信企业付款到银行卡demo

朱雀 2021-09-14 23:02 442阅读 0赞

java 微信公众号支付，微信公众号提现到银行卡，企业付款到银行卡demo

开发文档：https://pay.weixin.qq.com/wiki/doc/api/tools/mch\_pay.php?chapter=14\_1\#

开通条件：

1、商户号已入驻90日

2、商户号有30天连续正常交易

3、 登录微信支付商户平台-产品中心，开通企业付款。

开始之前认真看一遍开发文档还是很有用的。

![20180306162432145][]

1、 调用获取RSA公钥API获取RSA公钥，落地成本地文件（PKCS\#1）假设wx\_public\_key.pem

String url = "https://fraud.mch.weixin.qq.com/risk/getpublickey";
    Map<String,String> map = new HashMap<>();
    map.put("mch_id",Constant.WXPAY_MCHID);
    map.put("nonce_str", WXPayUtil.generateNonceStr());
    map.put("sign_type","MD5");
    map.put("sign", WXPayUtil.generateSignature(map,Constant.WXPAY_KEY));
    String certificate_path = "conf"+File.separator+"apiclient_cert.p12";
    String request = CommonUtil.request(url, WXPayUtil.mapToXml(map), certificate_path);
    return request;

2、 RSA公钥格式PKCS\#1转PKCS\#8

1）、openssl安装：http://blog.csdn.net/shiyong1949/article/details/78212971?locationNum=10&fps=1

2）、命令：openssl rsa -RSAPublicKey\_in -in <filename> -pubout

3）、替换原来wx\_public\_key.pem文件的内容为转换后的PKCS\#8（最终需要用的文件）

如下：

![20180306163816705][]

3、java   部分demo

String request = "";
    Map<String,String> data = new HashMap<>();
    if(WithDrawApplyTypeEnum.WxWalletWithdraw.getKey()==withdrawApply.getType().intValue()){    //提现到零钱
        data = getWithdrawWalletMap(withdrawApply,withdrawApply.getPlatform().intValue());
        request = CommonUtil.request(WXPayConstants.WITHDRAW_WALLET_URL, WXPayUtil.mapToXml(data), Constant.APICLIENT_CERT_P12);
    }else if(WithDrawApplyTypeEnum.WxBankWithdraw.getKey()==withdrawApply.getType().intValue()){   //提现到银行卡
        data = getWithdrawBankMap(withdrawApply);
        request = CommonUtil.request(WXPayConstants.WITHDRAW_BANK_URL, WXPayUtil.mapToXml(data), Constant.APICLIENT_CERT_P12);
    }
    Map<String, String> result = WXPayUtil.xmlToMap(request);
    if("SUCCESS".equals(result.get("return_code"))){
        if("FAIL".equals(result.get("result_code"))){
            flag = false;
            msg = result.get("err_code_des");
        }
    }else{
        flag = false;
        msg = Message.WX_SERVER_EXCEPTION;
    }
    if (!flag){
        throw new RuntimeException(msg);
    }

注：request 方法和generateSignature等方法在之前发的微信付款到零钱博客中有介绍到。这儿不多啰嗦

提现部分demo

getWithdrawBankMap

public Map<String,String> getWithdrawBankMap(WithdrawApply withdrawApply) throws Exception{
        Map<String,String> data = new HashMap<>();
        data.put("mch_id",Constant.WXPAY_MCHID);
        data.put("partner_trade_no",withdrawApply.getTradeNo());
        data.put("nonce_str",withdrawApply.getNonceStr());
        String rsa ="RSA/ECB/OAEPWITHSHA-1ANDMGF1PADDING";
        PublicKey pub= RSAUtil.getPubKey(Constant.WX_PUBLIC_KEY,"RSA");
        byte[] estr=RSAUtil.encrypt(withdrawApply.getBankCard().getBytes(),pub,2048, 11,rsa);   //对银行账号进行加密 byte[] name=RSAUtil.encrypt(withdrawApply.getCardHolder().getBytes(),pub,2048, 11,rsa);   //对银行账号进行加密 String bankno = Base64Util.encode(estr);//并转为base64格式 String nameStr = Base64Util.encode(name);
        data.put("enc_bank_no",bankno);
        data.put("enc_true_name",nameStr);
        data.put("bank_code",withdrawApply.getBankId()+"");
        String price = withdrawApply.getPrice().multiply(new BigDecimal(100)).intValue()+"";
        data.put("amount",price);
        data.put("desc","[灵定]提现到银行卡");
        String sign = WXPayUtil.generateSignature(data, Constant.WXPAY_KEY);
        data.put("sign",sign);
        return data;
    }

RSAUtil

public class RSAUtil {
    
        public static PublicKey getPubKey(String publicKeyPath, String keyAlgorithm){
            PublicKey publicKey = null;
            InputStream inputStream = null;
            try{
                inputStream = new FileInputStream(publicKeyPath);
                publicKey = getPublicKey(inputStream,keyAlgorithm);
            } catch (Exception e) {
    
                e.printStackTrace();//EAD PUBLIC KEY ERROR System.out.println("加载公钥出错!");
            } finally {
                if (inputStream != null){
                    try {
                        inputStream.close();
                    }catch (Exception e){
                        System.out.println("加载公钥,关闭流时出错!");
                    }
                }
            }
            return publicKey;
        }
    
        public static PublicKey getPublicKey(InputStream inputStream, String keyAlgorithm) throws Exception {
            try {
                System.out.println("b1.........");
                BufferedReader br = new BufferedReader(new InputStreamReader(inputStream));
                System.out.println("b2.........");
                StringBuilder sb = new StringBuilder();
                String readLine = null;
                System.out.println("b3.........");
                while ((readLine = br.readLine()) != null) {
                    if (readLine.charAt(0) == '-') {
                        continue;
                    } else {
                        sb.append(readLine);
                        sb.append('\r');
                    }
                }
                X509EncodedKeySpec pubX509 = new X509EncodedKeySpec(decodeBase64(sb.toString()));
                KeyFactory keyFactory = KeyFactory.getInstance(keyAlgorithm);
                //下行出错 java.security.spec.InvalidKeySpecException: java.security.InvalidKeyException: IOException: DerInputStream.getLength(): lengthTag=127, too big. PublicKey publicKey = keyFactory.generatePublic(pubX509);
                return publicKey;
            } catch (Exception e) {
                e.printStackTrace();
                throw new Exception("READ PUBLIC KEY ERROR:", e);
            } finally {
                try {
                    if (inputStream != null) {
                        inputStream.close();
                    }
                } catch (IOException e) {
                    inputStream = null;
                    throw new Exception("INPUT STREAM CLOSE ERROR:", e);
                }
            }
        }
    
        /*** * decode by Base64 */ public static byte[] decodeBase64(String input) throws Exception{
            Class clazz=Class.forName("com.sun.org.apache.xerces.internal.impl.dv.util.Base64");
            Method mainMethod= clazz.getMethod("decode", String.class);
            mainMethod.setAccessible(true);
            Object retObj=mainMethod.invoke(null, input);
            return (byte[])retObj;
        }
    
        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);
                }
            }
        }
    
    
        public static void main(String[] args) throws Exception{
            String rsa ="RSA/ECB/OAEPWITHSHA-1ANDMGF1PADDING";
            PublicKey pub=RSAUtil.getPubKey(Constant.WX_PUBLIC_KEY,"RSA");
            byte[] estr=RSAUtil.encrypt("6222804263000108304".getBytes(),pub,2048, 11,rsa);   //对银行账号进行加密 String bankno = Base64Util.encode(estr);//并转为base64格式 System.out.println(bankno);
        }
    }

[20180306162432145]: /images/20210511/4209d6dc7283425db909eef553303b3d.png
[20180306163816705]: /images/20210511/d4ba9d301b39401187c1b6ac86a5f6df.png