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PHP网站在线银联支付实现大额付款案例
终于搞明白,存储TCO原来是这样算的>>>   

最近的一个网站项目,需要实现20万已上在线付款,支付宝和微信都限额,于是只好想办法搞大额支付了,演示你可以参考下这个:http://www.erdangjiade.com/php/2751.html

银联是首选,具体实现如下:

1、先去申请https://www.95516.com
2、支付参数,提交到银联对应接口的所有参数 
<?php 
namespace common\services; 
  
class UnionPay 
{ 
    /** 
     * 支付配置 
     * @var array 
     */ 
    public $config = []; 
      
    /** 
     * 支付参数,提交到银联对应接口的所有参数 
     * @var array 
     */ 
    public $params = []; 
      
    /** 
     * 自动提交表单模板 
     * @var string 
     */ 
    private $formTemplate = <<<'HTML' 
<!DOCTYPE HTML> 
<html> 
<head> 
    <meta charset="utf-8"> 
    <title>支付</title> 
</head> 
<body> 
    <div style="text-align:center">跳转中...</div> 
    <form id="pay_form" name="pay_form" action="%s" method="post"> 
        %s 
    </form> 
    <script type="text/javascript"> 
        document.onreadystatechange = function(){ 
            if(document.readyState == "complete") { 
                document.pay_form.submit(); 
            } 
        }; 
    </script> 
</body> 
</html> 
HTML; 
      
    /** 
     * 构建自动提交HTML表单 
     * @return string 
     */ 
    public function createPostForm() 
    { 
        $this->params['signature'] = $this->sign(); 
        $input = ''; 
        foreach($this->params as $key => $item) { 
            $input .= "\t\t<input type=\"hidden\" name=\"{$key}\" value=\"{$item}\">\n"; 
        } 
          
        return sprintf($this->formTemplate, $this->config['frontUrl'], $input); 
    } 
      
    /** 
     * 验证签名 
     * 验签规则: 
     * 除signature域之外的所有项目都必须参加验签 
     * 根据key值按照字典排序,然后用&拼接key=value形式待验签字符串; 
     * 然后对待验签字符串使用sha1算法做摘要; 
     * 用银联公钥对摘要和签名信息做验签操作 
     *  
     * @throws \Exception 
     * @return bool 
     */ 
    public function verifySign() 
    { 
        $publicKey = $this->getVerifyPublicKey(); 
        $verifyArr = $this->filterBeforSign(); 
        ksort($verifyArr); 
        $verifyStr = $this->arrayToString($verifyArr); 
        $verifySha1 = sha1($verifyStr); 
        $signature = base64_decode($this->params['signature']); 
        $result = openssl_verify($verifySha1, $signature, $publicKey); 
        if($result === -1) { 
            throw new \Exception('Verify Error:'.openssl_error_string()); 
        } 
          
        return $result === 1 ? true : false; 
    } 
      
    /** 
     * 取签名证书ID(SN) 
     * @return string 
     */ 
    public function getSignCertId() 
    { 
        return $this->getCertIdPfx($this->config['signCertPath']); 
    }    
      
    /** 
     * 签名数据 
     * 签名规则: 
     * 除signature域之外的所有项目都必须参加签名 
     * 根据key值按照字典排序,然后用&拼接key=value形式待签名字符串; 
     * 然后对待签名字符串使用sha1算法做摘要; 
     * 用银联颁发的私钥对摘要做RSA签名操作 
     * 签名结果用base64编码后放在signature域 
     *  
     * @throws \InvalidArgumentException 
     * @return multitype|string 
     */ 
    private function sign() { 
        $signData = $this->filterBeforSign(); 
        ksort($signData); 
        $signQueryString = $this->arrayToString($signData); 
          
        if($this->params['signMethod'] == 01) { 
            //签名之前先用sha1处理 
            //echo $signQueryString;exit; 
            $datasha1 = sha1($signQueryString); 
            $signed = $this->rsaSign($datasha1); 
        } else { 
            throw new \InvalidArgumentException('Nonsupport Sign Method'); 
        } 
                  
        return $signed; 
          
    } 
      
    /** 
     * 数组转换成字符串 
     * @param array $arr 
     * @return string 
     */ 
    private function arrayToString($arr) 
    { 
        $str = ''; 
        foreach($arr as $key => $value) { 
            $str .= $key.'='.$value.'&'; 
        } 
        return substr($str, 0, strlen($str) - 1); 
    } 
      
    /** 
     * 过滤待签名数据 
     * signature域不参加签名 
     *  
     * @return array 
     */ 
    private function filterBeforSign() 
    { 
        $tmp = $this->params; 
        unset($tmp['signature']); 
        return $tmp; 
    } 
      
    /** 
     * RSA签名数据,并base64编码 
     * @param string $data 待签名数据 
     * @return mixed 
     */ 
    private function rsaSign($data) 
    { 
        $privatekey = $this->getSignPrivateKey(); 
        $result = openssl_sign($data, $signature, $privatekey); 
        if($result) { 
            return base64_encode($signature); 
        } 
        return false; 
    } 
      
    /** 
     * 取.pfx格式证书ID(SN) 
     * @return string 
     */ 
    private function getCertIdPfx($path) 
    { 
        $pkcs12certdata = file_get_contents($path); 
        openssl_pkcs12_read($pkcs12certdata, $certs, $this->config['signCertPwd']); 
        $x509data = $certs['cert']; 
        openssl_x509_read($x509data); 
        $certdata = openssl_x509_parse($x509data); 
        return $certdata['serialNumber']; 
    } 
      
    /** 
     * 取.cer格式证书ID(SN) 
     * @return string 
     */ 
    private function getCertIdCer($path) 
    { 
        $x509data = file_get_contents($path); 
        openssl_x509_read($x509data); 
        $certdata = openssl_x509_parse($x509data); 
        return $certdata['serialNumber']; 
    } 
      
    /** 
     * 取签名证书私钥 
     * @return resource 
     */ 
    private function getSignPrivateKey() 
    { 
        $pkcs12 = file_get_contents($this->config['signCertPath']); 
        openssl_pkcs12_read($pkcs12, $certs, $this->config['signCertPwd']); 
        return $certs['pkey']; 
    } 
      
    /** 
     * 取验证签名证书 
     * @throws \InvalidArgumentException 
     * @return string 
     */ 
    private function getVerifyPublicKey() 
    { 
        //先判断配置的验签证书是否银联返回指定的证书是否一致 
        if($this->getCertIdCer($this->config['verifyCertPath']) != $this->params['certId']) { 
            throw new \InvalidArgumentException('Verify sign cert is incorrect'); 
        } 
        return file_get_contents($this->config['verifyCertPath']);        
    } 
} 
[2].[代码] 配置示例 跳至 [1] [2] [3] [4]
配制事例
//银联支付设置 
 'unionpay' => [ 
     //测试环境参数 
     'frontUrl' => 'https://101.231.204.80:5000/gateway/api/frontTransReq.do', //前台交易请求地址 
     //'singleQueryUrl' => 'https://101.231.204.80:5000/gateway/api/queryTrans.do', //单笔查询请求地址 
     'signCertPath' => __DIR__.'/../keys/unionpay/test/sign/700000000000001_acp.pfx', //签名证书路径 
     'signCertPwd' => '000000', //签名证书密码 
     'verifyCertPath' => __DIR__.'/../keys/unionpay/test/verify/verify_sign_acp.cer', //验签证书路径 
     'merId' => 'xxxxxxx', 
       
     //正式环境参数 
     //'frontUrl' => 'https://101.231.204.80:5000/gateway/api/frontTransReq.do', //前台交易请求地址 
     //'singleQueryUrl' => 'https://101.231.204.80:5000/gateway/api/queryTrans.do', //单笔查询请求地址 
     //'signCertPath' => __DIR__.'/../keys/unionpay/test/sign/PM_700000000000001_acp.pfx', //签名证书路径 
     //'signCertPwd' => '000000', //签名证书密码 
     //'verifyCertPath' => __DIR__.'/../keys/unionpay/test/verify/verify_sign_acp.cer', //验签证书路径 
     //'merId' => 'xxxxxxxxx', //商户代码 
 ],
支付事例
$unionPay = new UnionPay(); 
$unionPay->config = Yii::$app->params['unionpay'];//上面的配置 
          
$unionPay->params = [ 
    'version' => '5.0.0', //版本号 
    'encoding' => 'UTF-8', //编码方式 
    'certId' => $unionPay->getSignCertId(), //证书ID 
    'signature' => '', //签名 
    'signMethod' => '01', //签名方式 
    'txnType' => '01', //交易类型 
    'txnSubType' => '01', //交易子类 
    'bizType' => '000201', //产品类型 
    'channelType' => '08',//渠道类型 
    'frontUrl' => Url::toRoute(['payment/unionpayreturn'], true), //前台通知地址 
    'backUrl' => Url::toRoute(['payment/unionpaynotify'], true), //后台通知地址 
    //'frontFailUrl' => Url::toRoute(['payment/unionpayfail'], true), //失败交易前台跳转地址 
    'accessType' => '0', //接入类型 
    'merId' => Yii::$app->params['unionpay']['merId'], //商户代码 
    'orderId' => $orderNo, //商户订单号 
    'txnTime' => date('YmdHis'), //订单发送时间 
    'txnAmt' => $sum * 100, //交易金额,单位分 
    'currencyCode' => '156', //交易币种 
]; 
          
$html = $unionPay->createPostForm();
异步通知示例
$unionPay = new UnionPay(); 
$unionPay->config = Yii::$app->params['unionpay']; 
          
$unionPay->params = Yii::$app->request->post(); //银联提交的参数 
if(empty($unionPay->params)) { 
    return 'fail!'; 
} 
if($unionPay->verifySign() && $unionPay->params['respCode'] == '00') { 
    //....... 
}

 

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