PHP实现财务审核通过后返现金额到客户

应用场景：

有这么一个返现的系统，当前端客户发起提现的时候，后端就要通过审核这笔返现订单，才可以返现到客户的账号里。

来看看下面的截图

这里的业务场景就是经过两轮审核：销售审核，财务审核都通过后，后端就会付款一笔钱到客户，当然，这里财务审核会有很多种情况，不通过与通过，通过后直接付款又有很多种情况，详细可以查看微信付款到零钱的文档。下面就来看看具体你的代码实现

微信支付配置

1，数据表大概如下

create table `zmq_weixin_config` (
  `id` int(1) unsigned not null auto_increment comment '微信公众平台编号，自增id',
  `weixin_name` varchar(10) not null comment '微信公众平台名称',
  `token` varchar(100) not null,
  `appid` char(18) not null,
  `appsecret` char(32) not null,
  `access_token` varchar(300) not null,
  `api_ticket` varchar(300) default null comment '微信卡包api_ticket',
  `api_ticket_expired_at` datetime default null comment '微信卡包api_ticket过期时间',
  `mchid` varchar(20) default null comment '商户号',
  `mchkey` varchar(50) default null comment '支付密钥',
  `expired_at` timestamp null default null comment 'access_token过期时间，会自动更新',
  `updated_at` timestamp null default null comment '记录更新时间',
  `created_at` timestamp null default null comment '创建时间',
  `sort_order` smallint(5) not null default '0' comment '排序',
  `points_url` varchar(100) default null,
  primary key (`id`)
) engine=myisam auto_increment=11 default charset=utf8 checksum=1 delay_key_write=1 row_format=dynamic comment='微信配置表';

2 .config的配置方法

/**
 * 获取微信支付配置
 * 这里我是把配置信息存储在数据表里，方便调用
 * $param是从controller里传值过来：weixin_config_id，notify_url
 * @return array
 */
public function getwechatconfig($param)
{
    $weixin = weixinconfigbasemodel::find($param['weixin_config_id']);
    if (empty($weixin)) {
        throw new exception('微信配置id错误');
    }

    return [
        'wechat' =>[
            $app_id => $weixin->appid,
            'mch_id' => $weixin->mchid,
            'notify_url' => empty($param['notify_url']) ? '' : $param['notify_url'],  //回调url
            'key' => $weixin->mchkey,
            'cert_client' => resource_path().'/wechat/'.$weixin->id.'/apiclient_cert.pem',  //证书与key
            'cert_key' => resource_path().'/wechat/'.$weixin->id.'/apiclient_key.pem',
        ]
    ];
}

企业付款到个人零钱核心代码

/**
 * function:企业付款到个人零钱
 * author:cyw0413
 * @param $openid
 * @param $trade_no
 * @param $money
 * @param $desc
 * @return array
 */
public function weixinpay($input){

    $config = $this->getwechatconfig($input);

    $params["mch_appid"]= $config['wechat']['app_id'];
    $params["mchid"] = $config['wechat']['mch_id'];
    $params["nonce_str"]= date("ymdhis").mt_rand(100,999);
    $params["partner_trade_no"] = $input['trade_no'];    //商户订单号
    $params["amount"]   = $input['amount'];
    $params["desc"]     = $input['desc'];
    $params["openid"]   = $input['openid'];
    $params["check_name"]= 'no_check';
    $params['spbill_create_ip'] = $_server['server_addr'];

    //生成签名
    $str = 'amount='.$params["amount"].'&check_name='.$params["check_name"].'&desc='.$params["desc"].'&mch_appid='.$params["mch_appid"].'&mchid='.$params["mchid"].'&nonce_str='.$params["nonce_str"].'&openid='.$params["openid"].'&partner_trade_no='.$params["partner_trade_no"].'&spbill_create_ip='.$params['spbill_create_ip'].'&key='.$config['wechat']['key'];
    //md5加密 转换成大写
    $sign = strtoupper(md5($str));
    //生成签名
    $params['sign'] = $sign;

    //构造xml数据
    $xmldata = $this->array_to_xml($params); //数组转xml
    $url='https://api.mch.weixin.qq.com/mmpaymkttransfers/promotion/transfers';

    //发送post请求
    $res = $this->curl_post_ssl($url, $xmldata, $input['weixin_config_id']); //curl请求
    if(!$res){
        throw new \exception("服务器连接失败");
    }

    //付款结果分析
    $content = $this->xml_to_array($res); //xml转数组
    return $content;
}

/**
 * curl请求
**/
public function curl_post_ssl($url, $xmldata, $weixin_config_id,$second=30,$aheader=[]){
    $ch = curl_init();
    //超时时间
    curl_setopt($ch,curlopt_timeout,$second);
    curl_setopt($ch,curlopt_returntransfer, 1);
    curl_setopt($ch,curlopt_url,$url);
    curl_setopt($ch,curlopt_ssl_verifypeer,false);
    curl_setopt($ch,curlopt_ssl_verifyhost,false);

    //默认格式为pem，可以注释
    curl_setopt($ch,curlopt_sslcerttype,'pem');
    //绝对地址可使用 dirname(__dir__)打印，如果不是绝对地址会报 58 错误
    curl_setopt($ch,curlopt_sslcert, resource_path().'/wechat/'.$weixin_config_id.'/apiclient_cert.pem');
    curl_setopt($ch,curlopt_sslkeytype,'pem');
    curl_setopt($ch,curlopt_sslkey,resource_path().'/wechat/'.$weixin_config_id.'/apiclient_key.pem');
    if( count($aheader) >= 1 ){
        curl_setopt($ch, curlopt_httpheader, $aheader);
    }
    curl_setopt($ch,curlopt_post, 1);
    curl_setopt($ch,curlopt_postfields,$xmldata);
    $data = curl_exec($ch);
    if($data){
        curl_close($ch);
        return $data;
    } else {
        $error = curl_errno($ch);
        echo "call faild, errorcode:$error\n";
        //die();
        curl_close($ch);
        return false;
    }
}

/**
 * array 转 xml
 * 用于生成签名
 */
public function array_to_xml($arr){
    $str='<xml>';
    foreach($arr as $k=>$v) {
        $str.='<'.$k.'>'.$v.'</'.$k.'>';
    }
    $str.='</xml>';
    return $str;

}

/**
 * xml 转化为array
 */
public function xml_to_array($xml){
    //禁止引用外部xml实体
    libxml_disable_entity_loader(true);
    $xmlstring = simplexml_load_string($xml, 'simplexmlelement', libxml_nocdata);
    $val = json_decode(json_encode($xmlstring),true);
    return $val;
}

财务审核，也就是微信返现到零钱，这个时候会返回成功结果，或者是各种不成功的结果

这里我用一个方法封装

//财务审核
if($param['status'] == 2){

    //判断返现金额与修改后的金额
    if($before_rebate_amount != $param['rebate_amount']){
        //返现金额不相等，则出款金额改变
        $out_amount = $param['rebate_amount'] - $before_rebate_amount ;
        $this->outmount($business->business_id,$out_amount);
    }

    if($param['rebate_status'] == 9){
        //财务拒绝通过
        $business->audit_status = $param['rebate_status'];
        $business->rebate_amount = $param['rebate_amount'];
        $business->status = 6;
        $business->save();

        //生成日志
        $this->insertwithdrawlog($param['withdraw_id'], $business->status, $business->audit_status, $param['rebate_remark'], $param['admin_id']);

    }else{
        //提现的各种返回结果
        $this->payreturnresult($business,$param);
    }
}

/**
 * function:微信提现返回的各种结果
 * author:cyw0413
 * @param $res
 * @param $business
 * @param $param
 */
public function payreturnresult($business,$param)
{
    $input = [
        'weixin_config_id' => 20 ,
        'openid'           => $business->business->open_id,
        'amount'           => $param['rebate_amount'] * 100,
        'trade_no'         => $business->order_sn, //商户订单号
        'desc'             => "微信提现"
    ];

    $pay = new paylogbaseservice();
    $res = $pay->weixinpay($input);

    if($res['result_code']=="success"){
        //提现成功
        $business->audit_status = 4;
        $business->status = 4;
        $business->rebate_amount = $param['rebate_amount'];
        $param['rebate_remark'] = "已付款(".$param['rebate_amount'].")";

    }elseif ($res['err_code'] == "money_limit"){
        $business->audit_status = 3;
        $business->status = 3;
        $param['rebate_remark'] = "提现失败，已达到付款给此用户额度上限";
        //throw new \exception($param['rebate_remark']);

    }elseif ($res['err_code'] == "amount_limit"){
        $business->audit_status = 3;
        $business->status = 3;
        $param['rebate_remark'] = "提现失败，低于最低付款金额或者高于最高付款金额";
        //throw new \exception($param['rebate_remark']);
egdf
    }elseif ($res['err_code'] == "notenough"){
        $business->audit_status = 3;
        $business->status = 3;
        $param['rebate_remark'] = "提现失败，付款帐号余额不足或资金未到账";
        //throw new \exception($param['rebate_remark']);

    }elseif ($res['err_code'] == "sign_error"){
        $business->audit_status = 3;
        $business->status = 3;
        $param['rebate_remark'] = "提现失败，签名错误";

    }elseif ($res['err_code'] == "param_error"){
        $business->audit_status = 3;
        $business->status = 3;
        $param['rebate_remark'] = "提现失败，参数错误";

    }elseif ($res['err_code'] == "openid_error"){
        $business->audit_status = 3;
        $business->status = 3;
        $param['rebate_remark'] = "提现失败，openid错误";

    }elseif ($res['err_code'] == "fatal_error"){
        $business->audit_status = 3;
        $business->status = 3;
        $param['rebate_remark'] = "提现失败，两次请求参数不一致";

    }elseif ($res['err_code'] == "ca_error"){
        $business->audit_status = 3;
        $business->status = 3;
        $param['rebate_remark'] = "提现失败，商户api证书校验出错";

    }elseif ($res['err_code'] == "v2_account_simple_ban"){
        $business->audit_status = 3;
        $business->status = 3;
        $param['rebate_remark'] = "提现失败，无法给非实名用户付款";

    }else{
        $business->audit_status = 3;
        $business->status = 3;
        $param['rebate_remark'] = "提现失败，服务器繁忙，请稍后再试";
        //throw new \exception($param['rebate_remark']);
    }

    $business->save();

}

当微信平台余额不足或者出现各种错误而提现失败的时候，这里还有支持重新付款的功能：其实就是点击按钮后重新调用付款到零钱的功能，知道成功付款

/**
 * function:重新付款
 * author:cyw0413
 * @param $param
 * @throws \exception
 */
public function repay($param)
{
    if(empty($param)){
        throw new \exception("参数错误");
    }

    $business = groupbusinesswithdrawbasemodel::find($param['withdraw_id']);
    if(empty($business)){
        throw new \exception("不存在！");
    }

    if($business->audit_status != 3){
        throw new \exception("状态有错误");
    }

    //提现的各种返回结果
    $this->payreturnresult($business,$param);

}