<"<xml>
    <amount>".$data['amount']."</amount>
    <bank_code>".$data['bank_code']."</bank_code>
    <desc>".$data['desc']."</desc>
    <enc_bank_no>".$data['enc_bank_no']."</enc_bank_no>
    <enc_true_name>".$data['enc_true_name']."</enc_true_name>
    <mch_id>".$data['mch_id']."</mch_id>
    <nonce_str>".$data['nonce_str']."</nonce_str>
    <partner_trade_no>".$data['partner_trade_no']."</partner_trade_no>
    <sign>".$sign."</sign>
    </xml>";

    $url = 'https://api.mch.weixin.qq.com/mmpaysptrans/pay_bank';
    $ret = $this->httpsPost($url,$dataXML,true);
    if($ret['return_code'] == 'SUCCESS' && $ret['result_code'] == 'SUCCESS' && $ret['err_code'] == 'SUCCESS'){
      return $ret['payment_no'];
    }else{
      $this->errorLog('微信付款到银行卡失败，appid：'.$this->appid,$ret);
      return false;
    }
  }
  /*
   * 查询付款到银行卡状态
   * @params string $out_trade_no : 商户订单号
   * return array $ret：查询状态
   * */
  public function queryBank($out_trade_no)
  {
    $data['mch_id'] = $this->mchid;
    $data['nonce_str'] = $this->random(12);
    $data['partner_trade_no'] = $out_trade_no;
    $sign = $this->getParam($data);
    $dataXML="<xml>
    <mch_id>".$data['mch_id']."</mch_id>
    <nonce_str>".$data['nonce_str']."</nonce_str>
    <partner_trade_no>".$data['partner_trade_no']."</partner_trade_no>
    <sign>".$sign."</sign>
    </xml>";
    $url = 'https://api.mch.weixin.qq.com/mmpaysptrans/query_bank';
    $ret = $this->httpsPost($url,$dataXML,true);
    if($ret['return_code'] == 'SUCCESS' && $ret['result_code'] == 'SUCCESS' && $ret['err_code'] == 'SUCCESS'){
      return $ret;
    }else{
      $this->errorLog('查询微信付款到银行卡失败，appid：'.$this->appid.'，订单号：'.$out_trade_no,$ret);
      return false;
    }
  }
  /*
   * 银行编号列表，详情参考：https://pay.weixin.qq.com/wiki/doc/api/tools/mch_pay.php"<xml>
      <mch_id>".$data['mch_id']."</mch_id>
      <nonce_str>".$data['nonce_str']."</nonce_str>
      <sign>".$sign."</sign>
      </xml>";
      $url = 'https://fraud.mch.weixin.qq.com/risk/getpublickey';
      $ret = $this->httpsPost($url,$dataXML,true);
      if($ret['return_code'] == 'SUCCESS' && isset($ret['pub_key'])){
        file_put_contents($rsafile,$ret['pub_key']);
        return $ret['pub_key'];
      }else{
        return null;
      }
    }else{
      return file_get_contents($rsafile);
    }
  }
  /*
  * 发起POST网络请求
  * @params string $url : 请求的url链接地址
  * @params string $data : 数据包
  * @params bool $ssl : 是否加载证书
  * return array $result : 返回的数据结果 
  */
  private function httpsPost($url,$data,$ssl = false)
  {
    $ch = curl_init ();
    curl_setopt ( $ch, CURLOPT_URL, $url );
    curl_setopt ( $ch, CURLOPT_CUSTOMREQUEST, "POST" );
    curl_setopt ( $ch, CURLOPT_SSL_VERIFYPEER, FALSE );
    curl_setopt ( $ch, CURLOPT_SSL_VERIFYHOST, FALSE );
    if($ssl) {
      curl_setopt ( $ch,CURLOPT_SSLCERT,$this->sslcert);
      curl_setopt ( $ch,CURLOPT_SSLKEY,$this->sslkey);
    }
    curl_setopt ( $ch, CURLOPT_FOLLOWLOCATION, 1 );
    curl_setopt ( $ch, CURLOPT_AUTOREFERER, 1 );
    curl_setopt ( $ch, CURLOPT_POSTFIELDS, $data );
    curl_setopt ( $ch, CURLOPT_RETURNTRANSFER, true );
    $result = curl_exec($ch);
    if (curl_errno($ch)) {
      return 'Errno: '.curl_error($ch);
    }
    curl_close($ch);
    return $this->xmlToArray($result);
  }
  //对参数排序，生成MD5加密签名
  private function getParam($paramArray, $isencode=false)
  {
    $paramStr = '';
    ksort($paramArray);
    $i = 0;
    foreach ($paramArray as $key => $value)
    {
      if ($key == 'Signature'){
        continue;
      }
      if ($i == 0){
        $paramStr .= '';
      }else{
        $paramStr .= '&';
      }
      $paramStr .= $key . '=' . ($isencode"&key=".$this->key;
    $sign=strtoupper(md5($stringSignTemp));
    return $sign;
  }
  /*
  * 将xml转换成数组
  * @params xml $xml : xml数据
  * return array $data : 返回数组
  */
  private function xmlToArray($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;
  }
  /*
  *  随机字符串
   * @param int $length 长度
   * @param string $type 类型
   * @param int $convert 转换大小写 1大写 0小写
   * @return string
  */
  private function random($length=10,$type='letter',$convert=false)
  {
    $config = array(
      'number'=>'1234567890',
      'letter'=>'abcdefghijklmnopqrstuvwxyzABCDEFGHIJKLMNOPQRSTUVWXYZ',
      'string'=>'abcdefghjkmnpqrstuvwxyzABCDEFGHJKMNPQRSTUVWXYZ23456789',
      'all'=>'abcdefghijklmnopqrstuvwxyzABCDEFGHIJKLMNOPQRSTUVWXYZ1234567890'
    );
  
    if(!isset($config[$type])) $type = 'letter';
    $string = $config[$type];
  
    $code = '';
    $strlen = strlen($string) -1;
    for($i = 0; $i < $length; $i++){
      $code .= $string{mt_rand(0, $strlen)};
    }
    if(!empty($convert)){
      $code = ($convert > 0)"[" . date('Y-m-d H:i:s') . "] ".$msg."," .json_encode($ret).PHP_EOL, FILE_APPEND);
  }
}

<"text-align: center">

五、注意事项


1、获取的rsa为PKCS1格式需要转成PKCS8，需要执行以下命令


$filename : 从微信服务器上获取的公钥数组


$out_put_filename ：转换成PKCS8后的文件保存路径


openssl rsa -RSAPublicKey_in -in <filename> -out <out_put_filename>
以上就是本文的全部内容，希望对大家的学习有所帮助，也希望大家多多支持。