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

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。



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([b]"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：



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);
}
}