PHP 第三方支付

支付的逻辑需要三步：

（1）去合作的第三方拿到  商家号和秘钥 。

（2）自己项目中集成第三方的SDK，完成支付。

（3）第三方的异步通知，自己接收通知，修改订单状态。

 

知道RSA加密的可以忽略：

秘钥：RSA加密，需要生成，公钥publicKey 和私钥originKey

规则： 私钥加密，公钥解密。 知道双方的公钥和私钥，就互相验证了。

代码逻辑 【加密方式自己查看SDK，我们用的是RSA加密，所以就以它为例子】：

 （1）页面写好提交的方法，然后准备提交。

 
//js获取页面数据，然后submit  建议：最好表单去提交
function sub(){
        var pay_money = $("#pay_money").val();
        var bank_code = $("input[name='bank']:checked").val();
        $.ajax({
            url:'/recharge/pay_data',
            type:'post',
            data:{'pay_money':pay_money,'bank_code':bank_code},
            dataType:'json',
            async: false,
            success:function(e){
                document.getElementById('order_no_number').value= e.order_no;
                if(e.sign !='' && e.sign_type !=''){
                    //js动态创建表单，然后提交
                    var form = $("<form method='post' id='myform'></form>");
                    form.attr({"action":"跳转地址"});
                    form.attr({"target":"_blank"});
                    for (arg in e)
                    {
                        var input = $("<input type='hidden'>");
                        input.attr({"name":arg});
                        input.val(e[arg]);
                        form.append(input);
                    }
                    $("#form_hidden").append(form);
                    $("#myform").submit();
                }
            }
        })
}

（2）服务端，得按照SDK所需参数，配置好各种必须的参数，提供页面数据提交的参数。

 public function pay_data(){
        //银行代码和充值金额
        $bank_code = $_POST['bank_code'];
        $pay_money = $_POST['pay_money'];

        //充值数据
        $uid = $this->session->userdata('uid');
        if(!empty($uid) && !empty($bank_code) && !empty($pay_money)){
            $hkd = $pay_money; //港币（测试完成，放开）
            $hk_rate = $this->comm_func->getHkRate();//汇率,港币兑人民币
            $order_amount = $pay_money * $hk_rate; //人民币 = 港币 * 汇率
            $data['merchant_code'] = $this->config->item('merchant_code'); //配置中获取-商户号
            $data['service_type'] = 'direct_pay';
            $data['interface_version'] = 'V3.0';
            $data['input_charset'] = 'UTF-8';
            $data['notify_url'] = $this->config->item('web_notify_url');  //配置中获取-异步通知地址
            $data['return_url'] = $this->config->item('web_return_url');  //配置中获取-支付完成后的跳转地址
            $data['client_ip'] = $_SERVER["REMOTE_ADDR"];
            $data['order_no']   = self::get_orderno($uid);
            $data['order_time'] = date('Y-m-d H:i:s');
            $data['order_amount']  = sprintf('%01.2f',$order_amount);
            $data['product_name']  = '港币充值testpay';
            $data['bank_code'] = $bank_code;
            $sign_type ="RSA-S";
            $sign_str = $this->doSign($data,$this->config->item('origPriKey'));//配置中获取-RSA加密的私钥
            $pay_type = 1;
            //插入订单记录
            $sql = "INSERT INTO tb_pay (`uid`,`order_no`,`order_time`,`order_amount`,`hkd`,`rate`,`pay_type`,`bank_code`) VALUES('{$uid}','{$data['order_no']}','{$data['order_time']}','{$data['order_amount']}','{$hkd}','{$hk_rate}','{$pay_type}','{$data['bank_code']}')";
            try {
                $this->db->query($sql);
                if ($this->db->affected_rows() <=0) {
                    self::write_log('sql未起效:'.$sql,'web_pay_err');
                }
            } catch (Exception $e) {
                self::write_log('sql报错:'.$e,'web_pay_err');
            }
            //支付请求日志
            self::write_log('返回数据:uid='.$uid.' data='.json_encode($data)."sign_str=".$sign_str,'web_get_paydata');
            $data['sign'] = $sign_str;
            $data['sign_type'] = $sign_type;
            echo json_encode($data);
        }
    }

（3）服务端，处理异步通知--这个是重点，做好各种处理措施。

/*
     * 服务器通知notify_url
     */
    public function notify_url(){
        $notifyStr = json_encode($_POST);
        self::write_log($notifyStr,'web_notify_pay');//记录日志
        $signArr = $_POST;
        unset($signArr['sign'],$signArr['sign_type']);
        $dinpaySign = base64_decode($_POST["sign"]);
        $sign = $this->CheckSign($signArr,$dinpaySign,$this->config->item('PublicPriKey'));   //获取验证的公钥

        if(isset($_POST['order_no']) && isset($_POST['sign']) && $sign)
        {

            $DB_LOCK = $this->load->database('lock_tb', TRUE);
            $order_no = isset($_POST['order_no'])?$_POST['order_no']:'';
            $trade_no = isset($_POST['trade_no'])?$_POST['trade_no']:'';
            $trade_time = isset($_POST['trade_time'])?$_POST['trade_time']:'';
            $trade_status = isset($_POST['trade_status'])?$_POST['trade_status']:'';
            //$bank_code = isset($_POST['bank_code'])?$_POST['bank_code']:'';
            $bank_seq_no = isset($_POST['bank_seq_no'])?$_POST['bank_seq_no']:'';
            $trade_amount = isset($_POST['order_amount'])?$_POST['order_amount']:'';
            
            //-----开启事物处理
            $DB_LOCK->trans_start();
              //mysql行级锁，处理完成，释放锁
            $query  = $DB_LOCK->query("SELECT * FROM `tb_pay` WHERE order_no = '{$_POST['order_no']}' FOR UPDATE");
            $row = $query->row_array();
            if (isset($row) && !empty($row))
            {
                //有且还未返回状态 更新
                if (isset($row['trade_status']) && $row['trade_status']==0)
                {
                    $trade_status_field = ($trade_status == 'SUCCESS')?1:2;
                    $upSql = "UPDATE tb_pay SET `trade_time` = '{$trade_time}',`trade_no` = '{$trade_no}',`trade_amount` = '{$trade_amount}',`trade_status`='{$trade_status_field}',`bank_seq_no`='{$bank_seq_no}',`back_time`='".date('Y-m-d H:i:s')."' WHERE `order_no` = '{$order_no}'";
                    
                    try {
                        $DB_LOCK->query($upSql);
                        
                        if ($DB_LOCK->affected_rows() <=0) {
                            self::write_log('sql未起效:'.$upSql,'web_pay_err');
                        }else{
                            $this->update_money($row['uid'],$row['hkd']);
                        }
                    } catch (Exception $e) {
                        self::write_log('sql报错:'.$e,'web_pay_err');
                    }
                }
                //已有返回状态
                if (isset($row['trade_status']) && $row['trade_status']!=0)
                {
                    $trade_status_field = ($trade_status == 'SUCCESS')?1:2;
                    if ($trade_status_field == $row['trade_status'] && $trade_amount == $row['trade_amount'])
                    {
                        //重复发送
                        self::write_log('重复异步通知:'.$notifyStr,'web_pay_err');
                    }else {
                        //两次数据不一致
                        self::write_log('重要bug:与已有数据冲突:'.$notifyStr,'web_pay_err');
                    }
                }
            }else {
                //无此记录
                self::write_log('订单库中无此记录:'.$notifyStr,'web_pay_err');
            }
            $DB_LOCK->trans_complete();
            //----事物结束，处理失败，回滚业务
           
            echo 'SUCCESS';  //没有问题，打印success,处理成功
        }else {
            //验签失败
            self::write_log('验签失败:'.$notifyStr.'sign:'.$sign,'web_pay_err');
        }
    }

代码所用的一些方法：

     /*生成订单号
     * @uid
     */
    public static function get_orderno($id)
    {
        $rand = date('ymd').substr(time(),-5).substr(microtime(),2,7);
        $fix = substr(md5($id),0,7);
        return $rand.$fix;
    }

    /**
     * sign
     * */
    public function doSign($inA,$origPriKey)
    {
        if(empty($inA))
            return false;
        $signStr = $this->doSort($inA);
        $priKey = openssl_get_privatekey($origPriKey);
        openssl_sign($signStr,$sign_info,$priKey,OPENSSL_ALGO_MD5);
        $sign = base64_encode($sign_info);
        return $sign;
    }
    /*
     * sort
     */
    private function doSort($param)
    {
        $signStr = '';
        ksort($param);
        foreach($param as $k => $v){
            $signStr .= $k."=".$v."&";
        }
        $signStr = rtrim($signStr,'&');
        self::write_log("web_send_signStr::".$signStr,'web_send_pay_signStr');
        return $signStr;
    }

    /*
     * 验证notify中的签名
     */
    public function CheckSign($inA,$dinpaySign,$pubKey){
        if(empty($inA))
            return false;
        $param = $inA;
        $signStr = '';
        ksort($param);
        foreach($param as $k => $v){
            $signStr .= $k."=".$v."&";
        }
        $signStr = rtrim($signStr,'&');
      
        $priKey = openssl_get_publickey($pubKey);
        $sign = openssl_verify($signStr,$dinpaySign,$priKey,OPENSSL_ALGO_MD5);
        if($sign){
            return true;
        }else{
            return false;
        }
    }