微信支付-企业付款到个人

 点击进入微信企业款到个人的官方文档

使用条件

  1、商户号（或同主体其他非服务商商户号）已入驻90日

  2、商户号（或同主体其他非服务商商户号）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。

@Component
public class WxConfig implements WXPayConfig {
    /** 企业付款到个人零钱-请求地址 */
    public static String URL_TRANSFERS = "https://api.mch.weixin.qq.com/mmpaymkttransfers/promotion/transfers";

    /**
     * 企业付款到个人
     * @param wxPayConfig
     * @param openId
     * @param amount
     * @param desc
     * @param remoteIP
     * @return
     */
    public Map<String, String> transfers(WXPayConfig wxPayConfig, String openId, Integer amount, String desc, String remoteIP) {
        WXPay wxPay = new WXPay(wxPayConfig);

        Map<String, String> reqData = new HashMap<>();
        /** 商户账号appid */
        reqData.put("mch_appid", APP_ID);
        /** 商户号 */
        reqData.put("mchid", MCH_ID);
        /** 随机字符串 */
        reqData.put("nonce_str", WXPayUtil.generateNonceStr());
        /** 商户订单号 */
        reqData.put("partner_trade_no", NumberUtil.orderNumber());
        /** 用户openid */
        reqData.put("openid", openId);
        /** 校验用户姓名选项 : NO_CHECK：不校验真实姓名  FORCE_CHECK：强校验真实姓名 */
        reqData.put("check_name", "NO_CHECK");
        /** 收款用户真实姓名。 如果check_name设置为FORCE_CHECK，则必填用户真实姓名 */
        //reqData.put("re_user_name","NO_CHECK");
        /** 金额 */
        reqData.put("amount", String.valueOf(amount));
        /** 企业付款备注 */
        reqData.put("desc", desc);
        /** Ip地址 */
        reqData.put("spbill_create_ip", remoteIP);

        String sign = "";
        try {
             sign = WXPayUtil.generateSignature(reqData, KEY, WXPayConstants.SignType.MD5);
        } catch (Exception e) {
            e.printStackTrace();
        }
        /** 签名 */
        reqData.put("sign", sign);

        Map<String, String> result = new HashMap<>();
        try {
            String xmlStr = wxPay.requestWithCert(URL_TRANSFERS, reqData, wxPayConfig.getHttpConnectTimeoutMs(), wxPayConfig.getHttpReadTimeoutMs());

            result = WXPayUtil.xmlToMap(xmlStr);

        } catch (Exception e) {
            e.printStackTrace();
        }
        return result;
    }

}

微信支付工具类

package com.github.wxpay.sdk;

import java.io.ByteArrayInputStream;
import java.io.InputStream;
import java.io.StringWriter;
import java.util.*;
import java.security.MessageDigest;
import org.w3c.dom.Node;
import org.w3c.dom.NodeList;

import javax.crypto.Mac;
import javax.crypto.spec.SecretKeySpec;
import javax.xml.parsers.DocumentBuilder;
import javax.xml.parsers.DocumentBuilderFactory;
import javax.xml.transform.OutputKeys;
import javax.xml.transform.Transformer;
import javax.xml.transform.TransformerFactory;
import javax.xml.transform.dom.DOMSource;
import javax.xml.transform.stream.StreamResult;
import com.github.wxpay.sdk.WXPayConstants.SignType;


public class WXPayUtil {

    /**
     * XML格式字符串转换为Map
     *
     * @param strXML XML字符串
     * @return XML数据转换后的Map
     * @throws Exception
     */
    public static Map<String, String> xmlToMap(String strXML) throws Exception {
        Map<String, String> data = new HashMap<String, String>();
        DocumentBuilderFactory documentBuilderFactory = DocumentBuilderFactory.newInstance();
        DocumentBuilder documentBuilder= documentBuilderFactory.newDocumentBuilder();
        InputStream stream = new ByteArrayInputStream(strXML.getBytes("UTF-8"));
        org.w3c.dom.Document doc = documentBuilder.parse(stream);
        doc.getDocumentElement().normalize();
        NodeList nodeList = doc.getDocumentElement().getChildNodes();
        for (int idx=0; idx<nodeList.getLength(); ++idx) {
            Node node = nodeList.item(idx);
            if (node.getNodeType() == Node.ELEMENT_NODE) {
                org.w3c.dom.Element element = (org.w3c.dom.Element) node;
                data.put(element.getNodeName(), element.getTextContent());
            }
        }
        try {
            stream.close();
        }
        catch (Exception ex) {

        }
        return data;
    }

    /**
     * 将Map转换为XML格式的字符串
     *
     * @param data Map类型数据
     * @return XML格式的字符串
     * @throws Exception
     */
    public static String mapToXml(Map<String, String> data) throws Exception {
        DocumentBuilderFactory documentBuilderFactory = DocumentBuilderFactory.newInstance();
        DocumentBuilder documentBuilder= documentBuilderFactory.newDocumentBuilder();
        org.w3c.dom.Document document = documentBuilder.newDocument();
        org.w3c.dom.Element root = document.createElement("xml");
        document.appendChild(root);
        for (String key: data.keySet()) {
            String value = data.get(key);
            if (value == null) {
                value = "";
            }
            value = value.trim();
            org.w3c.dom.Element filed = document.createElement(key);
            filed.appendChild(document.createTextNode(value));
            root.appendChild(filed);
        }
        TransformerFactory tf = TransformerFactory.newInstance();
        Transformer transformer = tf.newTransformer();
        DOMSource source = new DOMSource(document);
        transformer.setOutputProperty(OutputKeys.ENCODING, "UTF-8");
        transformer.setOutputProperty(OutputKeys.INDENT, "yes");
        StringWriter writer = new StringWriter();
        StreamResult result = new StreamResult(writer);
        transformer.transform(source, result);
        String output = writer.getBuffer().toString(); //.replaceAll("\n|\r", "");
        try {
            writer.close();
        }
        catch (Exception ex) {
        }
        return output;
    }


    /**
     * 生成带有 sign 的 XML 格式字符串
     *
     * @param data Map类型数据
     * @param key API密钥
     * @return 含有sign字段的XML
     */
    public static String generateSignedXml(final Map<String, String> data, String key) throws Exception {
        return generateSignedXml(data, key, SignType.MD5);
    }

    /**
     * 生成带有 sign 的 XML 格式字符串
     *
     * @param data Map类型数据
     * @param key API密钥
     * @param signType 签名类型
     * @return 含有sign字段的XML
     */
    public static String generateSignedXml(final Map<String, String> data, String key, SignType signType) throws Exception {
        String sign = generateSignature(data, key, signType);
        data.put(WXPayConstants.FIELD_SIGN, sign);
        return mapToXml(data);
    }


    /**
     * 判断签名是否正确
     *
     * @param xmlStr XML格式数据
     * @param key API密钥
     * @return 签名是否正确
     * @throws Exception
     */
    public static boolean isSignatureValid(String xmlStr, String key) throws Exception {
        Map<String, String> data = xmlToMap(xmlStr);
        if (!data.containsKey(WXPayConstants.FIELD_SIGN) ) {
            return false;
        }
        String sign = data.get(WXPayConstants.FIELD_SIGN);
        return generateSignature(data, key).equals(sign);
    }

    /**
     * 判断签名是否正确，必须包含sign字段，否则返回false。使用MD5签名。
     *
     * @param data Map类型数据
     * @param key API密钥
     * @return 签名是否正确
     * @throws Exception
     */
    public static boolean isSignatureValid(Map<String, String> data, String key) throws Exception {
        return isSignatureValid(data, key, SignType.MD5);
    }

    /**
     * 判断签名是否正确，必须包含sign字段，否则返回false。
     *
     * @param data Map类型数据
     * @param key API密钥
     * @param signType 签名方式
     * @return 签名是否正确
     * @throws Exception
     */
    public static boolean isSignatureValid(Map<String, String> data, String key, SignType signType) throws Exception {
        if (!data.containsKey(WXPayConstants.FIELD_SIGN) ) {
            return false;
        }
        String sign = data.get(WXPayConstants.FIELD_SIGN);
        return generateSignature(data, key, signType).equals(sign);
    }

    /**
     * 生成签名
     *
     * @param data 待签名数据
     * @param key API密钥
     * @return 签名
     */
    public static String generateSignature(final Map<String, String> data, String key) throws Exception {
        return generateSignature(data, key, SignType.MD5);
    }

    /**
     * 生成签名. 注意，若含有sign_type字段，必须和signType参数保持一致。
     *
     * @param data 待签名数据
     * @param key API密钥
     * @param signType 签名方式
     * @return 签名
     */
    public static String generateSignature(final Map<String, String> data, String key, SignType signType) throws Exception {
        Set<String> keySet = data.keySet();
        String[] keyArray = keySet.toArray(new String[keySet.size()]);
        Arrays.sort(keyArray);
        StringBuilder sb = new StringBuilder();
        for (String k : keyArray) {
            if (k.equals(WXPayConstants.FIELD_SIGN)) {
                continue;
            }
            if (data.get(k).trim().length() > 0) // 参数值为空，则不参与签名
                sb.append(k).append("=").append(data.get(k).trim()).append("&");
        }
        sb.append("key=").append(key);
        if (SignType.MD5.equals(signType)) {
            return MD5(sb.toString()).toUpperCase();
        }
        else if (SignType.HMACSHA256.equals(signType)) {
            return HMACSHA256(sb.toString(), key);
        }
        else {
            throw new Exception(String.format("Invalid sign_type: %s", signType));
        }
    }


    /**
     * 获取随机字符串 Nonce Str
     *
     * @return String 随机字符串
     */
    public static String generateNonceStr() {
        return UUID.randomUUID().toString().replaceAll("-", "").substring(0, 32);
    }


    /**
     * 生成 MD5
     *
     * @param data 待处理数据
     * @return MD5结果
     */
    public static String MD5(String data) throws Exception {
        java.security.MessageDigest md = MessageDigest.getInstance("MD5");
        byte[] array = md.digest(data.getBytes("UTF-8"));
        StringBuilder sb = new StringBuilder();
        for (byte item : array) {
            sb.append(Integer.toHexString((item & 0xFF) | 0x100).substring(1, 3));
        }
        return sb.toString().toUpperCase();
    }

    /**
     * 生成 HMACSHA256
     * @param data 待处理数据
     * @param key 密钥
     * @return 加密结果
     * @throws Exception
     */
    public static String HMACSHA256(String data, String key) throws Exception {
        Mac sha256_HMAC = Mac.getInstance("HmacSHA256");
        SecretKeySpec secret_key = new SecretKeySpec(key.getBytes("UTF-8"), "HmacSHA256");
        sha256_HMAC.init(secret_key);
        byte[] array = sha256_HMAC.doFinal(data.getBytes("UTF-8"));
        StringBuilder sb = new StringBuilder();
        for (byte item : array) {
            sb.append(Integer.toHexString((item & 0xFF) | 0x100).substring(1, 3));
        }
        return sb.toString().toUpperCase();
    }
}