update

src/CacertFile/old_wx_cacert.pem

+-----BEGIN CERTIFICATE-----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+-----END CERTIFICATE-----
\ No newline at end of file

src/CacertFile/wx_cacert.pem

 -----BEGIN CERTIFICATE-----
-MIIDIDCCAomgAwIBAgIENd70zzANBgkqhkiG9w0BAQUFADBOMQswCQYDVQQGEwJV
-UzEQMA4GA1UEChMHRXF1aWZheDEtMCsGA1UECxMkRXF1aWZheCBTZWN1cmUgQ2Vy
-dGlmaWNhdGUgQXV0aG9yaXR5MB4XDTk4MDgyMjE2NDE1MVoXDTE4MDgyMjE2NDE1
-MVowTjELMAkGA1UEBhMCVVMxEDAOBgNVBAoTB0VxdWlmYXgxLTArBgNVBAsTJEVx
-dWlmYXggU2VjdXJlIENlcnRpZmljYXRlIEF1dGhvcml0eTCBnzANBgkqhkiG9w0B
-AQEFAAOBjQAwgYkCgYEAwV2xWGcIYu6gmi0fCG2RFGiYCh7+2gRvE4RiIcPRfM6f
-BeC4AfBONOziipUEZKzxa1NfBbPLZ4C/QgKO/t0BCezhABRP/PvwDN1Dulsr4R+A
-cJkVV5MW8Q+XarfCaCMczE1ZMKxRHjuvK9buY0V7xdlfUNLjUA86iOe/FP3gx7kC
-AwEAAaOCAQkwggEFMHAGA1UdHwRpMGcwZaBjoGGkXzBdMQswCQYDVQQGEwJVUzEQ
-MA4GA1UEChMHRXF1aWZheDEtMCsGA1UECxMkRXF1aWZheCBTZWN1cmUgQ2VydGlm
-aWNhdGUgQXV0aG9yaXR5MQ0wCwYDVQQDEwRDUkwxMBoGA1UdEAQTMBGBDzIwMTgw
-ODIyMTY0MTUxWjALBgNVHQ8EBAMCAQYwHwYDVR0jBBgwFoAUSOZo+SvSspXXR9gj
-IBBPM5iQn9QwHQYDVR0OBBYEFEjmaPkr0rKV10fYIyAQTzOYkJ/UMAwGA1UdEwQF
-MAMBAf8wGgYJKoZIhvZ9B0EABA0wCxsFVjMuMGMDAgbAMA0GCSqGSIb3DQEBBQUA
-A4GBAFjOKer89961zgK5F7WF0bnj4JXMJTENAKaSbn+2kmOeUJXRmm/kEd5jhW6Y
-7qj/WsjTVbJmcVfewCHrPSqnI0kBBIZCe/zuf6IWUrVnZ9NA2zsmWLIodz2uFHdh
-1voqZiegDfqnc1zqcPGUIWVEX/r87yloqaKHee9570+sB3c4
------END CERTIFICATE-----
\ No newline at end of file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+-----END CERTIFICATE-----

src/Charge/Sw/SwPubCharge.php

@@ -39,6 +39,7 @@ class SwPubCharge extends SwBaseStrategy
      * ];
      * ```
      *
+     * @throws \Payment\Common\PayException
      */
     protected function retData(array $ret)
     {

src/Client/OrderCancel.php

+<?php
+/**
+ * Created by IntelliJ IDEA.
+ * User: yeran
+ * Date: 2018/4/23
+ * Time: 下午6:07
+ */
+
+namespace Payment\Client;
+
+
+use Payment\CancelContext;
+use Payment\Common\PayException;
+use Payment\Config;
+
+class OrderCancel {
+
+    private static $supportChannel = [
+
+        Config::TL_CHANNEL_LITE,
+    ];
+
+    /**
+     * @var  CancelContext
+     */
+    protected static $instance;
+
+
+    protected static function getInstance($channel, $config)
+    {
+        if (is_null(self::$instance)) {
+            static::$instance = new CancelContext();
+
+            try {
+                static::$instance->initCancelHandler($channel, $config);
+            } catch (PayException $e) {
+                throw $e;
+            }
+        }
+
+        return static::$instance;
+    }
+
+    /**
+     * @param string $channel
+     * @param array $config
+     * @param array $metadata
+     *
+     * @return mixed
+     * @throws PayException
+     */
+    public static function run($channel, $config, $metadata)
+    {
+        if (! in_array($channel, self::$supportChannel)) {
+            throw new PayException('sdk当前不支持该支付渠道，当前仅支持：' . implode(',', self::$supportChannel));
+        }
+
+        try {
+            $instance = self::getInstance($channel, $config);
+
+            $ret = $instance->cancel($metadata);
+        } catch (PayException $e) {
+            throw $e;
+        }
+
+        return $ret;
+    }
+}
\ No newline at end of file

src/Client/Query.php

@@ -28,7 +28,8 @@ class Query
         Config::WX_CHARGE,
         Config::WX_REFUND,
         Config::WX_RED,
-        Config::WX_TRANSFER,
+        Config::WX_TRANSFER, //微信企业付款到零钱
+        Config::WX_PAY_BANK, //微信企业付款到银行卡
 
         Config::CMB_CHARGE,
         Config::CMB_REFUND,
@@ -87,4 +88,5 @@ class Query
 
         return $ret;
     }
-}
\ No newline at end of file
+
+}

src/Client/Transfer.php

 <?php
 /**
  * Created by PhpStorm.
- * 
+ *
  * Date: 2017/3/7
  * Time: 下午3:16
  */
@@ -19,7 +19,8 @@ class Transfer
     private static $supportChannel = [
         Config::ALI_TRANSFER,// 支付宝
 
-        Config::WX_TRANSFER,// 微信
+        Config::WX_TRANSFER, //微信企业付款到零钱
+        Config::WX_PAY_BANK, //微信企业付款到银行卡
 
         'cmb_wallet',// 招行一网通
 
@@ -36,7 +37,6 @@ class Transfer
     {
         if (is_null(self::$instance)) {
             static::$instance = new TransferContext();
-
             try {
                 static::$instance->initTransfer($channel, $config);
             } catch (PayException $e) {
@@ -57,13 +57,12 @@ class Transfer
      */
     public static function run($channel, $config, $metadata)
     {
-        if (! in_array($channel, self::$supportChannel)) {
-            throw new PayException('sdk当前不支持该退款渠道，当前仅支持：' . implode(',', self::$supportChannel));
+        if (!in_array($channel, self::$supportChannel)) {
+            throw new PayException('sdk当前不支持该转账渠道，当前仅支持：' . implode(',', self::$supportChannel));
         }
 
         try {
             $instance = self::getInstance($channel, $config);
-
             $ret = $instance->transfer($metadata);
         } catch (PayException $e) {
             throw $e;
@@ -71,4 +70,5 @@ class Transfer
 
         return $ret;
     }
-}
\ No newline at end of file
+
+}

src/Common/BaseData.php

@@ -104,9 +104,10 @@ abstract class BaseData
     /**
      * 设置签名
      *
+     * @param bool $urlDecode
      * @throws \Exception
      */
-    public function setSign()
+    public function setSign(bool $urlDecode = true)
     {
         $this->buildData();
         if ($this->channel === Config::CMB_PAY) {
@@ -144,7 +145,7 @@ abstract class BaseData
             default:
                 $values = ArrayUtil::removeKeys($data, ['sign']);
                 $values = ArrayUtil::arraySort($values);
-                $signStr = ArrayUtil::createLinkstring($values);
+                $signStr = ArrayUtil::createLinkstring($values, $urlDecode);
                 $this->retData['sign'] = $this->makeSign($signStr);
         }
     }

src/Common/Fu/Data/BackPubChargeData.php

@@ -12,31 +12,33 @@ class BackPubChargeData extends FuBaseData
     public function getData()
     {
         $data = [];
-        switch ($this->trade_type) {
-            case 'JSAPI': //微信公众号
-            case 'LETPAY': //小程序
-                $data = [
-                    'appId' => $this->subAppid ?? $this->sdk_appid,
-                    'timeStamp' => $this->sdk_timestamp ?? time(),
-                    'nonceStr' => $this->sdk_noncestr,
-                    'package' => $this->sdk_package,
-                    'signType' => $this->sdk_signtype,
-                    'paySign' => $this->sdk_paysign
-                ];
-                break;
-            case 'FWC':
-                $data = [
-                    'transaction_id' => $this->reserved_transaction_id
-                ];
-                break;
-            default:
+        //TODO: 貌似不需要根据订单类型判断，返回参数中存在 reserved_pay_info 字段，该字段为JSON字符串，与发起支付时所需要参数相同，可以直接根据该字段值返回package
+        if (!empty($this->reserved_pay_info)) {
+            switch ($this->trade_type) {
+                case 'JSAPI': //微信公众号
+                case 'LETPAY': //小程序
+                    $data = [
+                        'appId' => $this->subAppid ?? $this->sdk_appid,
+                        'timeStamp' => $this->sdk_timestamp ?? time(),
+                        'nonceStr' => $this->sdk_noncestr,
+                        'package' => $this->sdk_package,
+                        'signType' => $this->sdk_signtype,
+                        'paySign' => $this->sdk_paysign
+                    ];
+                    break;
+                case 'FWC':
+                    $data = [
+                        'transaction_id' => $this->reserved_transaction_id
+                    ];
+                    break;
+                default:
+            }
         }
-        $this->retData['package'] = $data;
+        $this->retData['package'] = !empty($this->reserved_pay_info) ? json_decode($this->reserved_pay_info, true) : $data;
         $this->retData['other'] = [
             'out_trade_no' => $this->reserved_fy_order_no ?: '',
             'attach' => $this->reserved_addn_inf ?: ''
         ];
-
         return parent::getData();
     }
 

src/Common/MiPay/MiBaseStrategy.php

@@ -53,7 +53,7 @@ abstract class MiBaseStrategy implements BaseStrategy{
      * @param  array $body
      * @return mixed
      * @throws PayException
-     * 
+     *
      */
     protected function sendReq($body)
     {
@@ -66,6 +66,7 @@ abstract class MiBaseStrategy implements BaseStrategy{
 
 
         if ($responseTxt['error'] != 0) { //通信标识
+            debug('---mipay--error--'.json_encode($responseTxt));
             throw new PayException('支付平台返回错误提示3:' . $responseTxt['message']);
         }
 
@@ -90,7 +91,7 @@ abstract class MiBaseStrategy implements BaseStrategy{
      * @param array $body
      * @param string $url
      * @return mixed
-     * 
+     *
      */
     protected function curlPost($body, $url)
     {
@@ -106,7 +107,7 @@ abstract class MiBaseStrategy implements BaseStrategy{
 
     /**
      * 获取需要的url  默认返回下单的url
-     * 
+     *
      * @return string|null
      */
     protected function getReqUrl()
@@ -116,7 +117,7 @@ abstract class MiBaseStrategy implements BaseStrategy{
 
     /**
      * @param array $data
-     * 
+     *
      * @throws PayException
      * @return array|string
      */
@@ -150,7 +151,7 @@ abstract class MiBaseStrategy implements BaseStrategy{
      * 处理支付平台的返回值并返回给客户端
      * @param array $ret
      * @return mixed
-     * 
+     *
      */
     protected function retData(array $ret)
     {
@@ -158,4 +159,4 @@ abstract class MiBaseStrategy implements BaseStrategy{
     }
 
 
-}
\ No newline at end of file
+}

src/Common/Sw/Data/BackPubChargeData.php

@@ -18,33 +18,37 @@ class BackPubChargeData extends SwBaseData
     public function getData()
     {
         $data = [];
-        switch ($this->pay_type){
-            case '010':{ //微信
-                $data = [
-                    'appId' => $this->appId,
-                    'timeStamp' => time() . '',
-                    'nonceStr'  => $this->nonceStr,
-                    'package'   => $this->package_str,
-                    'signType'  => $this->signType,// 签名算法，暂支持MD5
-                ];
+        switch ($this->pay_type) {
+            case '010':
+                { //微信
+                    $data = [
+                        'appId' => $this->appId,
+                        'timeStamp' => $this->timeStamp,
+                        'nonceStr' => $this->nonceStr,
+                        'package' => $this->package_str,
+                        'signType' => $this->signType, // 签名算法，暂支持MD5
+                        'paySign' => $this->paySign
+                    ];
 
-                break;
-            }
+                    break;
+                }
 
-            case '020':{ //支付宝
-                $data = [
-                    'ali_trade_no' => $this->ali_trade_no,
-                ];
+            case '020':
+                { //支付宝
+                    $data = [
+                        'ali_trade_no' => $this->ali_trade_no,
+                    ];
 
-                break;
-            }
-            case '060':{
-                $data = [
-                    'token_id' => $this->token_id,
-                ];
+                    break;
+                }
+            case '060':
+                {
+                    $data = [
+                        'token_id' => $this->token_id,
+                    ];
 
-                break;
-            }
+                    break;
+                }
         }
         $this->retData['jspackage'] = $data;
         $this->retData['other'] = [

src/Common/Sw/Data/Charge/PubChargeData.php

 <?php
 /**
  * Created by PhpStorm.
- * 
+ *
  * Date: 16/7/31
  * Time: 上午9:20
  */
@@ -28,8 +28,7 @@ class PubChargeData extends ChargeBaseData
         // 公众号支付,必须设置openid
         $payType = $this->pay_type;//010微信，020支付宝，060qq钱包，090口碑，100翼支付
         if (($payType == '010' || $payType == '020')) {
-            if(empty($this->openid))
-                throw new PayException('用户在商户appid下的唯一标识,用户标识（微信openid，支付宝userid），pay_type为010及020时需要传入.');
+            if (empty($this->open_id)) throw new PayException('用户在商户appid下的唯一标识,用户标识（微信openid，支付宝userid），pay_type为010及020时需要传入.');
         }
 
         $this->service_id = '012';
@@ -39,37 +38,37 @@ class PubChargeData extends ChargeBaseData
     {
         $this->certainSignData = [
             // 基本数据
-            'pay_ver'       => trim($this->pay_ver),
-            'pay_type'      => trim($this->pay_type),
-            'service_id'    => $this->service_id,
-            'merchant_no'   => $this->merchant_no,
-            'terminal_id'   => $this->terminal_id,
-            'terminal_trace'  => $this->terminal_trace,
+            'pay_ver' => trim($this->pay_ver),
+            'pay_type' => trim($this->pay_type),
+            'service_id' => $this->service_id,
+            'merchant_no' => $this->merchant_no,
+            'terminal_id' => $this->terminal_id,
+            'terminal_trace' => $this->terminal_trace,
             'terminal_time' => $this->terminal_time,
-            'total_fee'     => $this->total_fee,  // 金额，单位分
+            'total_fee' => $this->total_fee,  // 金额，单位分
 
 //            'time_expire'   => $this->timeout_express,
         ];
 
-        $signData = array_merge($this->certainSignData,[]);
+        $signData = array_merge($this->certainSignData, []);
 
-        if(isset($this->sub_appid)){
+        if (isset($this->sub_appid)) {
             $signData['sub_appid'] = $this->sub_appid;
         }
-        if(isset($this->open_id)){
-            $signData['open_id'] =  $this->open_id;
+        if (isset($this->open_id)) {
+            $signData['open_id'] = $this->open_id;
         }
-        if(isset($this->order_body)){
+        if (isset($this->order_body)) {
             $signData['order_body'] = $this->order_body;
         }
-        if(isset($this->notify_url)){
-            $signData['notify_url'] =  $this->notify_url;
+        if (isset($this->notify_url)) {
+            $signData['notify_url'] = $this->notify_url;
         }
-        if(isset($this->attach)){
-            $signData['attach'] =  $this->attach;
+        if (isset($this->attach)) {
+            $signData['attach'] = $this->attach;
         }
-        if(isset($this->goods_detail)){
-            $signData['goods_detail'] =  $this->goods_detail;
+        if (isset($this->goods_detail)) {
+            $signData['goods_detail'] = $this->goods_detail;
 
             //goods_Id	String	N	商品编号
             //goods_name	String	N	商品名称

src/Common/Sw/Data/TransferData.php

-<?php
-/**
- *
- * @createTime: 2016-08-04 09:42
- * @description:
- */
-
-namespace Payment\Common\Weixin\Data;
-
-use Payment\Common\PayException;
-use Payment\Utils\ArrayUtil;
-
-/**
- * Class TransferData
- *
- * 微信当前也仅支持单笔付款，不支持批量
- *
- * @property string $trans_no  商户转账唯一订单号
- * @property string $openid 商户appid下，某用户的openid
- * @property string $check_name
- *  - NO_CHECK：不校验真实姓名
- *  - FORCE_CHECK：强校验真实姓名（未实名认证的用户会校验失败，无法转账）
- *  - OPTION_CHECK：针对已实名认证的用户才校验真实姓名（未实名认证用户不校验，可以转账成功）
- *
- * @property string $payer_real_name  收款用户真实姓名。
- * @property string $amount  转账金额，单位：元。 只支持2位小数，小数点前最大支持13位，金额必须大于0。
- * @property string $desc 企业付款操作说明信息。必填。
- * @property string $client_ip 调用接口的机器Ip地址
- *
- * @package Payment\Common\Weixin\Data
- *
- */
-class TransferData extends WxBaseData
-{
-    protected function buildData()
-    {
-        $this->retData = [
-            'mch_appid' => $this->appId,
-            'mchid'    => $this->mchId,
-            'device_info' => $this->terminal_id,
-            'nonce_str' => $this->nonceStr,
-            'partner_trade_no'    => $this->trans_no,
-            'openid'    => $this->openid,
-
-            'check_name'    => $this->check_name,
-            're_user_name'  => $this->payer_real_name,
-            'amount'    => $this->amount,// 此处需要处理单位为分
-            'desc'  => $this->desc,
-
-            // $_SERVER["REMOTE_ADDR"]  获取客户端接口。此处获取php所在机器的ip  如果无法获取，则使用该ip
-            'spbill_create_ip'  => $this->client_ip,
-        ];
-
-        $this->retData = ArrayUtil::paraFilter($this->retData);
-    }
-
-    /**
-     * 检查相关参数是否设置
-     *
-     */
-    protected function checkDataParam()
-    {
-        $openId = $this->openid;
-        $transNo = $this->trans_no;
-        $checkName = $this->check_name;
-        $realName = $this->payer_real_name;
-        $amount = $this->amount;
-        $clientIp = $this->client_ip;
-
-        if (empty($openId)) {
-            throw new PayException('商户appid下，某用户的openid 必须传入');
-        }
-
-        if (empty($transNo)) {
-            throw new PayException('商户订单号，需保持唯一性');
-        }
-
-        if ($checkName !== 'NO_CHECK' && empty($realName)) {
-            throw new PayException('请传入收款人真实姓名');
-        }
-
-        // 微信使用的单位位分.此处进行转化
-        $this->amount = bcmul($amount, 100, 0);
-        if (empty($amount) || $amount < 0) {
-            throw new PayException('转账金额错误');
-        }
-
-        if (empty($clientIp)) {
-            $this->client_ip = isset($_SERVER['REMOTE_ADDR']) ? $_SERVER['REMOTE_ADDR'] : '127.0.0.1';
-        }
-    }
-}

src/Common/Weixin/Data/PayBankData.php

+<?php
+
+namespace Payment\Common\Weixin\Data;
+
+use Payment\Common\PayException;
+use Payment\Utils\ArrayUtil;
+
+/**
+ * 企业付款到银行卡
+ * Class PayBankData
+ *
+ * @package Payment\Common\Weixin\Data
+ *
+ * @property string $trans_no 商户唯一订单号
+ * @property string $payer_bank_no 收款方银行卡号（采用标准RSA算法，公钥由微信侧提供）
+ * @property string $payer_real_name 收款方用户名（采用标准RSA算法，公钥由微信侧提供）
+ * @property string $payer_bank_code 银行卡所在开户行编号
+ *  - 银行编号列表：https://pay.weixin.qq.com/wiki/doc/api/tools/mch_pay.php?chapter=24_4
+ *
+ * @property string $amount 付款金额，单位：元。只支持2位小数，小数点前最大支持13位，金额必须大于0
+ * @property string $desc 企业付款到银行卡付款说明，即订单备注
+ */
+class PayBankData extends WxBaseData
+{
+
+    /**
+     * 构建用于支付的签名相关数据
+     * @return array|void
+     * @createTime 2019/10/10 12:37
+     */
+    protected function buildData()
+    {
+        $this->retData = [
+            'mch_id' => $this->mchId,
+            'partner_trade_no' => $this->trans_no,
+            'nonce_str' => $this->nonceStr,
+            'enc_bank_no' => $this->payer_bank_no,
+            'enc_true_name' => $this->payer_real_name,
+            'bank_code' => $this->payer_bank_code,
+            'amount' => $this->amount, //此处需要处理单位为分
+            'desc' => $this->desc,
+        ];
+
+        $this->retData = ArrayUtil::paraFilter($this->retData);
+    }
+
+    /**
+     * 检查相关参数是否设置
+     * @return mixed|void
+     * @throws PayException
+     * @createTime 2019/10/10 14:03
+     */
+    protected function checkDataParam()
+    {
+        $transNo = $this->trans_no;
+        $bankNo = $this->payer_bank_no;
+        $bankCode = $this->payer_bank_code;
+        $realName = $this->payer_real_name;
+        $amount = $this->amount;
+
+        if (empty($transNo)) throw new PayException('企业付款单号不能为空，且需保持唯一性');
+        if (strlen($transNo) < 8 || strlen($transNo) > 32) throw new PayException('企业付款单号最短8位最长32位');
+
+        if (empty($bankNo)) throw new PayException('请传入收款方银行卡号');
+        $this->payer_bank_no = $this->encryptByRSA($bankNo);
+
+        if (empty($bankCode)) throw new PayException('请传入收款方银行卡所在开户行编号');
+
+        if (empty($realName)) throw new PayException('请传入收款方用户名');
+        $this->payer_real_name = $this->encryptByRSA($realName);
+
+        if (empty($amount) || $amount < 0) throw new PayException('企业付款到银行卡金额错误');
+        $this->amount = bcmul($amount, 100, 0); //微信使用的单位为分，此处进行转化
+    }
+
+}

src/Common/Weixin/Data/Query/PayBankQueryData.php

+<?php
+
+namespace Payment\Common\Weixin\Data\Query;
+
+use Payment\Common\PayException;
+use Payment\Common\Weixin\Data\WxBaseData;
+use Payment\Utils\ArrayUtil;
+
+/**
+ * 微信企业付款到银行卡查询，当前微信仅支持根据商户订单号来进行查询
+ *
+ * @property string $trans_no 企业付款单号
+ *
+ * Class PayBankQueryData
+ * @package Payment\Common\Weixin\Data\Query
+ */
+class PayBankQueryData extends WxBaseData
+{
+
+    protected function buildData()
+    {
+        $this->retData = [
+            'mch_id' => $this->mchId,
+            'partner_trade_no' => $this->trans_no,
+            'nonce_str' => $this->nonceStr,
+        ];
+        $this->retData = ArrayUtil::paraFilter($this->retData);
+    }
+
+    protected function checkDataParam()
+    {
+        $transNo = $this->trans_no;
+        if (empty($transNo)) throw new PayException('请提供商户调用企企业付款到银行卡API时所使用的付款单号');
+    }
+
+}

src/Common/Weixin/Data/WxBaseData.php

@@ -8,6 +8,7 @@
 namespace Payment\Common\Weixin\Data;
 
 use Payment\Common\BaseData;
+use Payment\Common\PayException;
 
 /**
  * Class BaseData
@@ -21,10 +22,11 @@ use Payment\Common\BaseData;
  * @property string $md5Key  用于加密的md5Key
  * @property string $appCertPem 从apiclient_cert.p12中导出证书部分的文件，为pem格式，
  * @property string $appKeyPem 从apiclient_key.pem中导出密钥部分的文件，为pem格式
+ * @property string $publicKeyPem 从获取RSA加密公钥API中得到的RSA公钥并进行将PKCS#1转为PKCS#8的pem格式文件
  * @property string $tradeType   支付类型
  * @property string $terminal_id 终端设备号(门店号或收银设备ID)，默认请传"WEB"
  *
- * @package Payment\Common\Weixin\Dataa
+ * @package Payment\Common\Weixin\Data
  */
 abstract class WxBaseData extends BaseData
 {
@@ -43,7 +45,6 @@ abstract class WxBaseData extends BaseData
                 break;
             case 'HMAC-SHA256':
                 $sign = base64_encode(hash_hmac('sha256', $signStr, $this->md5Key));
-
                 break;
             default:
                 $sign = '';
@@ -51,4 +52,21 @@ abstract class WxBaseData extends BaseData
 
         return strtoupper($sign);
     }
+
+    /**
+     * RSA加密
+     * @param string $string 需加密字符串
+     * @return string 返回加密后字符串
+     * @throws PayException
+     * @createTime 2019/10/10 14:00
+     */
+    protected function encryptByRSA(string $string)
+    {
+        $publicKeyPem = $this->publicKeyPem;
+        if (empty($publicKeyPem) || true !== file_exists($publicKeyPem)) throw new PayException('RSA加密公钥有误');
+        $encryptedBlock = '';
+        if (true !== openssl_public_encrypt($string, $encryptedBlock, file_get_contents($this->publicKeyPem), OPENSSL_PKCS1_OAEP_PADDING)) throw new PayException('RSA加密失败');
+        return base64_encode($encryptedBlock);
+    }
+
 }

src/Common/Weixin/WechatHelper.php

 <?php
 /**
  * Created by PhpStorm.
- * 
+ *
  * Date: 2017/4/26
  * Time: 下午5:39
  */
@@ -28,7 +28,7 @@ class WechatHelper extends WxBaseData
 
         $curl = new Curl();
         $responseTxt = $curl->set([
-            'CURLOPT_HEADER'    => 0
+            'CURLOPT_HEADER' => 0
         ])->post($xml)->submit($url);
 
         if ($responseTxt['error']) {
@@ -37,7 +37,7 @@ class WechatHelper extends WxBaseData
         // 格式化为数组
         $retData = DataParser::toArray($responseTxt['body']);
         if ($retData['return_code'] != 'SUCCESS') {
-            throw new PayException('微信返回错误提示:' . $retData['return_msg']);
+            throw new PayException('微信返回错误提示:' . ($retData['return_msg'] ?? ($retData['retmsg'] ?? 'unknown')));
         }
 
         return $retData['sandbox_signkey'];
@@ -46,7 +46,7 @@ class WechatHelper extends WxBaseData
     protected function buildData()
     {
         $this->retData = [
-            'mch_id'    => $this->mchId,
+            'mch_id' => $this->mchId,
             'nonce_str' => $this->nonceStr,
         ];
     }
@@ -55,4 +55,4 @@ class WechatHelper extends WxBaseData
     {
         // TODO: Implement checkDataParam() method.
     }
-}
\ No newline at end of file
+}

src/Common/WxConfig.php

 <?php
+
 /**
  *
  * @createTime: 2016-07-15 14:56
@@ -15,6 +16,7 @@ use Payment\Utils\StrUtil;
 
 final class WxConfig extends ConfigInterface
 {
+
     // 微信分配的公众账号ID
     public $appId;
 
@@ -42,6 +44,12 @@ final class WxConfig extends ConfigInterface
     // key文件路径或者内容
     public $appKeyPem;
 
+    /**
+     * 从获取RSA加密公钥API中得到的RSA公钥并进行将PKCS#1转为PKCS#8的pem格式文件
+     * 用于将字段进行rsa加密并转base64密文，将密文传给微信侧相应字段，如付款接口（enc_bank_no/enc_true_name）
+     */
+    public $publicKeyPem;
+
     // 	支付类型
     public $tradeType;
 
@@ -61,16 +69,22 @@ final class WxConfig extends ConfigInterface
     // 查询退款url
     const REFUDN_QUERY_URL = 'https://api.mch.weixin.qq.com/{debug}/pay/refundquery';
 
-    // 企业付款的查询
+    // 企业付款到零钱的查询
     const TRANS_QUERY_URL = 'https://api.mch.weixin.qq.com/{debug}/mmpaymkttransfers/gettransferinfo';
 
+    // 企业付款到银行卡的查询
+    const PAY_BANK_QUERY_URL = 'https://api.mch.weixin.qq.com/{debug}/mmpaysptrans/query_bank';
+
 
     // 申请退款url
     const REFUND_URL = 'https://api.mch.weixin.qq.com/{debug}/secapi/pay/refund';
 
-    // 企业付款
+    // 企业付款到零钱
     const TRANSFERS_URL = 'https://api.mch.weixin.qq.com/{debug}/mmpaymkttransfers/promotion/transfers';
 
+    //企业付款到银行卡
+    const PAY_BANK_URL = 'https://api.mch.weixin.qq.com/{debug}/mmpaysptrans/pay_bank';
+
 
     // 关闭订单url  尚未接入
     const CLOSE_URL = 'https://api.mch.weixin.qq.com/{debug}/pay/closeorder';
@@ -164,12 +178,15 @@ final class WxConfig extends ConfigInterface
         }
 
         // 以下两个文件，如果是调用资金流向接口，必须提供
-        if (! empty($config['app_cert_pem'])) {
+        if (!empty($config['app_cert_pem'])) {
             $this->appCertPem = $config['app_cert_pem'];
         }
-        if (! empty($config['app_key_pem'])) {
+        if (!empty($config['app_key_pem'])) {
             $this->appKeyPem = $config['app_key_pem'];
         }
+        if (!empty($config['public_key_pem'])) {
+            $this->publicKeyPem = $config['public_key_pem'];
+        }
 
         if (key_exists('sign_type', $config) && in_array($config['sign_type'], ['MD5', 'HMAC-SHA256'])) {
             $this->signType = $config['sign_type'];
@@ -189,4 +206,6 @@ final class WxConfig extends ConfigInterface
             $this->useSandbox = false;// 不是沙箱模式
         }
     }
+
 }
+

src/Config.php

@@ -15,7 +15,7 @@ namespace Payment;
 
 final class Config
 {
-    const VERSION = '3.2.0';
+    const VERSION = '3.2.1';
 
     //======================= 账户类型 ======================//
     const WECHAT_PAY = 'wechat';
@@ -83,7 +83,9 @@ final class Config
 
     const WX_RED = 'wx_red';// 红包
 
-    const WX_TRANSFER = 'wx_transfer';// 转账
+    const WX_TRANSFER = 'wx_transfer'; //微信企业付款到零钱
+
+    const WX_PAY_BANK = 'wx_pay_bank'; //微信企业付款到银行卡
 
 
     const APPLE_PAY = 'applepay_upacp';//apple支付