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28
4
以下代码的功能是用户可以实现业务中用户虚拟钱包的钱提现到用户银行卡，其实本质上是把商户的账户资金划转到用户银行卡，其实就是银行转账，相关代码如下:
///此方法存在部分业务代码，核心方法是doProcess方法且基本是可以复用的，其它的代码可以根据自身业务场景灵活处理;
public
async
Task<WithDrawResultDto>
WithDrawToBank(TransferToBankDto transferToBankDto)
{
decimal
balance =
await
_repository.WalletRepository.GetWalletBalance(
new
Contract.User.UserBasicDto()
{
WeChatId
=
transferToBankDto.WeChatId,
});
if
(balance <
transferToBankDto.Amount)
{
return
new
WithDrawResultDto() { WithDrawResult =
false
, Message =
"
可用余额不够，请重新输入提现金额。
"
};
}
long
userId =
await
_repository.UserRepository.GetUserIdByWeChatId(transferToBankDto.WeChatId);
if
(userId ==
0
)
{
return
new
WithDrawResultDto() { WithDrawResult =
false
, Message =
"
用户不存在
"
};
}
//
bool walletToBankResult = await _walletService.WalletToBankAccount(transferToBankDto.WeChatId, userId, transferToBankDto.Amount, (int)WalletCashType.Withdrawing, yurRef);
//
if (walletToBankResult)
//
{
Log.Information(
"
begin WithDraw call cloud direct
"
);
string
reqId = DCHelper.GetTime() + RandomHelper.GeneratorRandomStr(
7
);
decimal
amount =
transferToBankDto.Amount;
string
bankCode =
await
_repository.BankRepository.QueryBankCodeByBankAccount(userId, transferToBankDto.BankAccount);
string
bankHolder =
await
_repository.BankRepository.QueryCardHolder(userId, transferToBankDto.BankAccount);
Log.Information($
"
bankHolder:{bankHolder}
"
);
//
记录业务编号
//
业务编号记录到数据库
//
组织发送报文
JObject obj =
new
JObject();
JObject req
=
new
JObject();
JArray bb1paybmx1BodyArray
=
new
JArray();
JObject bb1paybmx1Body
=
new
JObject();
JObject bb1paybmx1Body2
=
new
JObject();
JArray bb1payopx1BodyArray
=
new
JArray();
JObject bb1payopx1Body
=
new
JObject();
JObject bb1payopx1Body2
=
new
JObject();
JObject head
=
new
JObject();
head.Add(
"
funcode
"
, FunCode);// FunCode = "BB1PAYOP";功能代码
head.Add(
"
userid
"
, UID);//用户编号，与商户相关
head.Add(
"
reqid
"
, reqId);
bb1paybmx1Body.Add(
"
busCod
"
, BusCod);//BusCod = "N02030";业务编码
bb1paybmx1Body.Add(
"
busMod
"
, BusMod);///业务模式
bb1paybmx1BodyArray.Add(bb1paybmx1Body);
//
bb1paybmx1Body2.Add("bb1paybmx1", bb1paybmx1BodyArray);
JArray bb1payopx1
=
new
JArray();
bb1payopx1Body.Add(
"
dbtAcc
"
, CompanyCard);//公司账号
bb1payopx1Body.Add(
"
crtAcc
"
, transferToBankDto.BankAccount);//收款人账号
bb1payopx1Body.Add(
"
crtNam
"
, bankHolder);//持卡人姓名
bb1payopx1Body.Add(
"
ccyNbr
"
, CurrencyCode);//币种 CurrencyCode = "10";//10代表人民币
bb1payopx1Body.Add(
"
trsAmt
"
, amount.ToString(
"
#0.00
"
));
//
bb1payopx1Body.Add("crtBnk", "招商银行深圳分行");
bb1payopx1Body.Add(
"
bnkFlg
"
, (bankCode == CMBCode ?
"
Y
"
:
"
N
"
));//CMBCodeCMBCode = "CMB";如果是招商银行，bnkFlg的取值是Y
bb1payopx1Body.Add(
"
stlChn
"
, StlChn);//StlChn为R代表及时到账
bb1payopx1Body.Add(
"
nusAge
"
,
"
钱包提现到银行卡
"
);
//
bb1payopx1Body.Add("yurRef", "202008260078000033");
bb1payopx1Body.Add(
"
yurRef
"
, yurRef);//业务流水号，可以使用雪花算法生成
bb1payopx1BodyArray.Add(bb1payopx1Body);
JObject jobjectBodyList
=
new
JObject();
jobjectBodyList.Add(
"
bb1paybmx1
"
, bb1paybmx1BodyArray);
jobjectBodyList.Add(
"
bb1payopx1
"
, bb1payopx1BodyArray);
JObject jobjectBody
=
new
JObject();
jobjectBody.Add(
"
body
"
, jobjectBodyList);
jobjectBody.Add(
"
head
"
, head);
JObject requestBody
=
new
JObject();
requestBody.Add(
"
request
"
, jobjectBody);
//
bb1payopx1Body2.Add("bb1payopx1", bb1payopx1BodyArray);
//
请求发送接收
var
withDrawResult =
doProcess(requestBody, FunCode);
if
(withDrawResult.WithDrawResult ==
true
)
{
bool
walletToBankResult =
await
_walletService.WalletToBankAccount(transferToBankDto.WeChatId, userId, transferToBankDto.Amount, (
int
)WalletCashType.Withdrawing, yurRef);
WithDrawToBankRecord withDrawToBankRecord
=
new
WithDrawToBankRecord
(userId: userId, funcode: FunCode, reqid: reqId, busCod: BusCod, busMod: BusMod, dbtAcc: CompanyCard,
crtAcc: transferToBankDto.BankAccount, crtNam: bankHolder, ccyNbr: CurrencyCode,
trsAmt: amount, bnkFlg: (bankCode
== CMBCode ?
"
Y
"
:
"
N
"
), stlChn: StlChn, nusAge:
"
钱包提现到银行卡
"
, yurRef: yurRef.ToString(), withdrawStatus:
0
,openId: transferToBankDto.OpenId);
await
_repository.RedPackageRepository.CreateWithDrawToBankRecord(withDrawToBankRecord);
await
WithDrawSendMsgToClient.SendMsgToClient(openId: transferToBankDto.OpenId, templageId: SuccessTemplateId, amount: amount, withdrawDatetime: DateTime.Now.ToString(
"
yyyy-MM-dd HH:mm:ss
"
), WithdrawToBankStatus.Success);
}
//
更新出金时间
await
_repository.BankRepository.UpdateWithDrawDateTimeAsync(userId, transferToBankDto.BankAccount);
return
withDrawResult;
//
}
//
else
//
{
//
return new WithDrawResultDto() { WithDrawResult = false,Message="提现失败,请稍后重试." };
//
}
}
DCHelper辅助类 。
using
Newtonsoft.Json.Linq;
using
System;
using
System.Collections;
using
System.Collections.Generic;
using
System.Linq;
using
System.Net;
using
System.Net.Security;
using
System.Security.Cryptography.X509Certificates;
using
System.Text;
using
System.Threading.Tasks;
namespace
Demo.Utils
{
public
class
DCHelper
{
public
static
string
SerialJsonOrdered(JObject json)
{
List
<
string
> keyList =
new
List<
string
>
();
foreach
(
var
x
in
json)
{
keyList.Add(x.Key);
}
string
[] keyArray =
keyList.ToArray();
Array.Sort(keyArray,
string
.CompareOrdinal);
StringBuilder appender
=
new
StringBuilder();
appender.Append(
"
{
"
);
bool
isFirstEle =
true
;
foreach
(
var
key
in
keyArray)
{
if
(!
isFirstEle)
{
appender.Append(
"
,
"
);
}
Object val
=
json[key];
if
(val
is
JObject)
{
appender.Append(
"
\"
"
).Append(key).Append(
"
\":
"
);
appender.Append(SerialJsonOrdered((JObject)val));
}
else
if
(val
is
JArray)
{
JArray jarray
=
(JArray)val;
appender.Append(
"
\"
"
).Append(key).Append(
"
\":[
"
);
bool
isFirstArrEle =
true
;
for
(
int
i =
0
; i < jarray.Count; i++
)
{
if
(!
isFirstArrEle)
{
appender.Append(
"
,
"
);
}
Object obj
=
jarray[i];
if
(obj
is
JObject)
{
appender.Append(SerialJsonOrdered((JObject)obj));
}
else
{
appender.Append(obj.ToString());
}
isFirstArrEle
=
false
;
}
appender.Append(
"
]
"
);
}
else
if
(((JToken)val).Type ==
JTokenType.String)
{
string
value =
val.ToString();
appender.Append(
"
\"
"
).Append(key).Append(
"
\":
"
).Append(
"
\"
"
).Append(value.Replace(
"
\\
"
,
"
\\\\
"
)).Append(
"
\"
"
);
}
else
if
(((JToken)val).Type ==
JTokenType.Boolean)
{
string
value =
val.ToString().ToLower();
appender.Append(
"
\"
"
).Append(key).Append(
"
\":
"
).Append(value);
}
else
{
string
value =
val.ToString();
appender.Append(
"
\"
"
).Append(key).Append(
"
\":
"
).Append(value);
}
isFirstEle
=
false
;
}
appender.Append(
"
}
"
);
return
appender.ToString();
}
public
static
String GetTime()
{
return
DateTime.Now.ToString(
"
yyyyMMddHHmmssfff
"
);
}
public
static
String GetTime2()
{
return
DateTime.Now.ToString(
"
yyyyMMddHHmmss
"
);
}
//
发送Post请求
public
static
String DoPostForm(String httpUrl, Hashtable param)
{
Encoding encoding
= Encoding.GetEncoding(
"
utf-8
"
);
HttpWebResponse response
=
PostHttps(httpUrl, param, encoding);
Stream stream
=
response.GetResponseStream();
StreamReader sr
=
new
StreamReader(stream);
return
sr.ReadToEnd();
}
private
static
bool
CheckValidationResult(
object
sender, X509Certificate certificate, X509Chain chain, SslPolicyErrors errors)
{
return
true
;
//
信任所有https站点证书，不安全，请勿在生产环境中使用。
}
private
static
HttpWebResponse PostHttps(
string
url, Hashtable param, Encoding encoding)
{
HttpWebRequest request
=
null
;
//
ServicePointManager.ServerCertificateValidationCallback = new System.Net.Security.RemoteCertificateValidationCallback(CheckValidationResult);
//
请勿在生产环境中使用该行程序
request = WebRequest.Create(url)
as
HttpWebRequest;
request.ProtocolVersion
=
HttpVersion.Version11;
request.Method
=
"
POST
"
;
request.ContentType
=
"
application/x-www-form-urlencoded
"
;
request.Timeout
=
15000
;
request.KeepAlive
=
false
;
request.ReadWriteTimeout
=
60000
;
byte
[] data =
encoding.GetBytes(CreateLinkString(param));
request.ContentLength
=
data.Length;
using
(Stream stream =
request.GetRequestStream())
{
stream.Write(data,
0
, data.Length);
}
WebResponse res;
try
{ res =
request.GetResponse(); }
catch
(WebException e)
{
res
=
e.Response;
}
return
(HttpWebResponse)res;
}
private
static
string
CreateLinkString(Hashtable param)
{
IEnumerator keys
=
param.Keys.GetEnumerator();
StringBuilder prestr
=
new
StringBuilder();
int
i =
0
;
while
(keys.MoveNext())
{
i
++
;
string
key = keys.Current
as
string
;
string
value = param[key]
as
string
;
if
(i ==
param.Count)
{
prestr.Append(key).Append(
"
=
"
).Append(value);
}
else
{
prestr.Append(key).Append(
"
=
"
).Append(value).Append(
"
&
"
);
}
}
return
prestr.ToString();
}
}
}
RandomHelper辅助类 。
using
System;
using
System.Collections.Generic;
using
System.Linq;
using
System.Text;
using
System.Threading.Tasks;
namespace
Demo.Utils
{
public
static
class
RandomHelper
{
public
static
string
GeneratorRandomStr(
int
len)
{
string
chars =
"
0123456789abcdefghijklmnopqrstuvwxyz
"
;
Random randrom
=
new
Random((
int
)DateTime.Now.Ticks);
string
str =
""
;
for
(
int
i =
0
; i < len; i++
)
{
str
+=
chars[randrom.Next(chars.Length)];
}
return
str;
}
}
}
。
核心方法:
private
WithDrawResultDto doProcess(JObject jObject,
string
FUNCODE)
{
JObject obj
=
new
JObject();
//
签名
obj.Add(
"
sigdat
"
,
"
__signature_sigdat__
"
);
obj.Add(
"
sigtim
"
, DCHelper.GetTime2());
jObject.Add(
"
signature
"
, obj);
string
source =
DCHelper.SerialJsonOrdered(jObject);
Console.WriteLine(
"
签名原文:
"
+
source);
Log.Information($
"
{FUNCODE} request data is {source}
"
);
Encoding encoding
=
Encoding.UTF8;
byte
[] signature1 =
DCCryptor.CMBSM2SignWithSM3(GetID_IV(), Convert.FromBase64String(privkey), encoding.GetBytes(source));//privkey是私钥
string
sigdat1 =
Convert.ToBase64String(signature1);
Console.WriteLine(
"
签名结果:
"
+
sigdat1);
obj[
"
sigdat
"
] =
sigdat1;
//
SM4-CBC加密
string
plaintxt =
jObject.ToString();
Console.WriteLine(
"
加密前req:
"
+
plaintxt);
byte
[] enInput =
DCCryptor.CMBSM4EncryptWithCBC(encoding.GetBytes(sm4key), GetID_IV(), encoding.GetBytes(plaintxt));//sm4key是用户的对称密钥
string
req =
Convert.ToBase64String(enInput);
Console.WriteLine(
"
加密后req:
"
+
req);
Log.Information(
"
begin send request to cloud direct
"
);
//
发送请求
Hashtable map =
new
Hashtable();
map.Add(
"
UID
"
, UID);
map.Add(
"
ALG
"
, ALG_SM);//ALG_SM = "SM";采用国密算法
map.Add(
"
DATA
"
, HttpUtility.UrlEncode(req, encoding));
map.Add(
"
FUNCODE
"
, FUNCODE);
string
res =
DCHelper.DoPostForm(URL, map);//访问招商银行的api请求地址：（测试环境：http://cdctest.cmburl.cn/cdcserver/api/v2；正式环境：https://cdc.cmbchina.com/cdcserver/api/v2）
Log.Information(
"
end request
"
);
Console.WriteLine(
"
res:
"
+
res);
Log.Information(
"
DoPostForm {@res}
"
, res);
try
{
Convert.FromBase64String(res);
}
catch
(Exception ex)
{
Console.WriteLine(
"
访问返回错误.
"
);
Log.Information(
"
Convert.FromBase64String error {@ex}
"
, ex);
return
new
()
{
WithDrawResult
=
false
,
Message
=
"
访问返回错误.
"
};
}
//
解密请求
string
resplain =
encoding.GetString(DCCryptor.CMBSM4DecryptWithCBC(encoding.GetBytes(sm4key), GetID_IV(), Convert.FromBase64String(res)));
Console.WriteLine(
"
res decrypt:
"
+
resplain);
Log.Information($
"
{FUNCODE} response data is {resplain}
"
);
//
验签
JObject object2 =
JObject.Parse(resplain);
JObject
? object3 = object2[
"
signature
"
]
as
JObject;
string
? resSign = object3?[
"
sigdat
"
]?
.ToString();
object3[
"
sigdat
"
] =
"
__signature_sigdat__
"
;
object2[
"
signature
"
] =
object3;
string
resSignSource =
DCHelper.SerialJsonOrdered(object2);
Console.WriteLine(
"
验签原文:
"
+
resSignSource);
Console.WriteLine(
"
验签签名值:
"
+
resSign);
bool
verify =
DCCryptor.CMBSM2VerifyWithSM3(GetID_IV(), Convert.FromBase64String(bankpubkey), encoding.GetBytes(resSignSource), Convert.FromBase64String(resSign));//bankpubkey：银行公钥
Console.WriteLine(
"
验签结果:
"
+
verify);
Log.Information($
"
验签结果:{verify}
"
);
if
(verify)
{
//
验签成功以后正常判断
if
(object2[
"
response
"
]?[
"
head
"
]?[
"
resultcode
"
]
is
not
null
)
{
string
? resultCode = object2[
"
response
"
]?[
"
head
"
]?[
"
resultcode
"
]?
.ToString();
if
(resultCode !=
"
SUC0000
"
)
{
Log.Information($
"
withdraw hava error,resultmsg is {object2[
"
response
"
]?[
"
head
"
]?[
"
resultmsg
"
]?.ToString()},
"
+
$
"
resultcode is {object2[
"
response
"
]?[
"
head
"
]?[
"
resultcode
"
]?.ToString()}
"
);
return
new
()
{
WithDrawResult
=
false
,
Message
= object2[
"
response
"
]?[
"
head
"
]?[
"
resultmsg
"
]?
.ToString()
};
}
else
{
string
[] errors =
new
[] {
"
F
"
,
"
B
"
,
"
R
"
,
"
D
"
,
"
C
"
};
string
? rtnFlg = object2[
"
response
"
]?[
"
body
"
]?[
"
bb1payopz1
"
][
0
]?[
"
rtnFlg
"
]?
.ToString();
if
(object2[
"
response
"
]?[
"
body
"
]?[
"
bb1payopz1
"
][
0
]?[
"
reqSts
"
]?.ToString() ==
"
FIN
"
&&
errors.Contains(rtnFlg))
{
Log.Information($
"
withdraw hava error,errTxt is {object2[
"
response
"
]?[
"
body
"
]?[
"
bb1payopz1
"
][0]?[
"
errTxt
"
]?.ToString()},
"
+
$
"
errCod is {object2[
"
response
"
]?[
"
body
"
]?[
"
bb1payopz1
"
][0]?[
"
errCod
"
]?.ToString()}
"
);
return
new
()
{
WithDrawResult
=
false
,
Message
= object2[
"
response
"
]?[
"
body
"
]?[
"
bb1payopz1
"
][
0
]?[
"
errTxt
"
]?
.ToString()
};
}
}
}
}
else
{
Log.Error(
"
验签失败
"
);
return
new
()
{
WithDrawResult
=
false
,
Message
=
"
验签失败,请联系系统管理员。
"
};
}
return
new
() { WithDrawResult =
true
};
}
私有方法 。
private
byte
[] GetID_IV()
{
String uid
= UID;
//
请替换为实际的用户UID
String userid = uid +
"
0000000000000000
"
;
return
Encoding.UTF8.GetBytes(userid.Substring(
0
,
16
));
}
。
DCCryptor辅助类 。
using
Org.BouncyCastle.Asn1;
using
Org.BouncyCastle.Asn1.X9;
using
Org.BouncyCastle.Crypto;
using
Org.BouncyCastle.Crypto.Parameters;
using
Org.BouncyCastle.Crypto.Signers;
using
Org.BouncyCastle.Math;
using
Org.BouncyCastle.Math.EC;
using
Org.BouncyCastle.Security;
using
System;
using
System.Collections.Generic;
using
System.Linq;
using
System.Text;
using
System.Threading.Tasks;
namespace
Demo.Utils
{
public
class
DCCryptor
{
public
static
byte
[] CMBSM4EncryptWithCBC(
byte
[] key,
byte
[] iv,
byte
[] input)
{
if
(key ==
null
|| iv ==
null
|| input ==
null
)
{
throw
new
Exception(
"
CMBSM4EncryptWithCBC 非法输入
"
);
}
return
CMBSM4Crypt(key, iv, input,
true
);
}
public
static
byte
[] CMBSM4DecryptWithCBC(
byte
[] key,
byte
[] iv,
byte
[] input)
{
if
(key ==
null
|| iv ==
null
|| input ==
null
)
{
throw
new
Exception(
"
CMBSM4DecryptWithCBC 非法输入
"
);
}
return
CMBSM4Crypt(key, iv, input,
false
);
}
public
static
byte
[] CMBSM2SignWithSM3(
byte
[] id,
byte
[] privkey,
byte
[] msg)
{
if
(privkey ==
null
|| msg ==
null
)
{
throw
new
Exception(
"
CMBSM2SignWithSM3 input error
"
);
}
ECPrivateKeyParameters privateKey
=
EncodePrivateKey(privkey);
SM2Signer signer
=
new
SM2Signer();
ParametersWithID parameters
=
new
ParametersWithID(privateKey, id);
signer.Init(
true
, parameters);
signer.BlockUpdate(msg,
0
, msg.Length);
return
DecodeDERSignature(signer.GenerateSignature());
}
public
static
bool
CMBSM2VerifyWithSM3(
byte
[] id,
byte
[] pubkey,
byte
[] msg,
byte
[] signature)
{
if
(pubkey ==
null
|| msg ==
null
|| signature ==
null
)
{
throw
new
Exception(
"
CMBSM2VerifyWithSM3 input error
"
);
}
ECPublicKeyParameters publicKey
=
EncodePublicKey(pubkey);
SM2Signer signer
=
new
SM2Signer();
ParametersWithID parameters
=
new
ParametersWithID(publicKey, id);
signer.Init(
false
, parameters);
signer.BlockUpdate(msg,
0
, msg.Length);
return
signer.VerifySignature(EncodeDERSignature(signature));
}
private
static
byte
[] CMBSM4Crypt(
byte
[] keyBytes,
byte
[] iv,
byte
[] input,
bool
forEncrypt)
{
KeyParameter key
= ParameterUtilities.CreateKeyParameter(
"
SM4
"
, keyBytes);
ParametersWithIV ivParameterSpec
=
new
ParametersWithIV(key, iv);
IBufferedCipher cipher
= CipherUtilities.GetCipher(
"
SM4/CBC/PKCS7Padding
"
);
cipher.Init(forEncrypt, ivParameterSpec);
return
cipher.DoFinal(input);
}
private
static
ECPrivateKeyParameters EncodePrivateKey(
byte
[] value)
{
BigInteger d
=
new
BigInteger(
1
, value);
X9ECParameters spec
= ECNamedCurveTable.GetByName(
"
sm2p256v1
"
);
ECDomainParameters ecParameters
=
new
ECDomainParameters(spec.Curve, spec.G, spec.N, spec.H, spec.GetSeed());
return
new
ECPrivateKeyParameters(d, ecParameters);
}
public
static
ECPublicKeyParameters EncodePublicKey(
byte
[] value)
{
byte
[] x =
new
byte
[
32
];
byte
[] y =
new
byte
[
32
];
Array.Copy(value,
1
, x,
0
,
32
);
Array.Copy(value,
33
, y,
0
,
32
);
BigInteger X
=
new
BigInteger(
1
, x);
BigInteger Y
=
new
BigInteger(
1
, y);
X9ECParameters spec
= ECNamedCurveTable.GetByName(
"
sm2p256v1
"
);
ECPoint Q
=
spec.Curve.CreatePoint(X, Y);
ECDomainParameters ecParameters
=
new
ECDomainParameters(spec.Curve, spec.G, spec.N, spec.H, spec.GetSeed());
return
new
ECPublicKeyParameters(Q, ecParameters);
}
private
static
byte
[] DecodeDERSignature(
byte
[] signature)
{
Asn1InputStream stream
=
new
Asn1InputStream(signature);
Asn1Sequence primitive
=
(Asn1Sequence)stream.ReadObject();
System.Collections.IEnumerator enumeration
=
primitive.GetEnumerator();
enumeration.MoveNext();
BigInteger R
=
((DerInteger)enumeration.Current).Value;
enumeration.MoveNext();
BigInteger S
=
((DerInteger)enumeration.Current).Value;
byte
[] bytes =
new
byte
[
64
];
byte
[] r =
Format(R.ToByteArray());
byte
[] s =
Format(S.ToByteArray());
Array.Copy(r,
0
, bytes,
0
,
32
);
Array.Copy(s,
0
, bytes,
32
,
32
);
return
bytes;
}
private
static
byte
[] EncodeDERSignature(
byte
[] signature)
{
byte
[] r =
new
byte
[
32
];
byte
[] s =
new
byte
[
32
];
Array.Copy(signature,
0
, r,
0
,
32
);
Array.Copy(signature,
32
, s,
0
,
32
);
Asn1EncodableVector vector
=
new
Asn1EncodableVector();
vector.Add(
new
DerInteger(
new
BigInteger(
1
, r)));
vector.Add(
new
DerInteger(
new
BigInteger(
1
, s)));
return
(
new
DerSequence(vector)).GetEncoded();
}
private
static
byte
[] Format(
byte
[] value)
{
if
(value.Length ==
32
)
{
return
value;
}
else
{
byte
[] bytes =
new
byte
[
32
];
if
(value.Length >
32
)
{
Array.Copy(value, value.Length
-
32
, bytes,
0
,
32
);
}
else
{
Array.Copy(value,
0
, bytes,
32
-
value.Length, value.Length);
}
return
bytes;
}
}
}
}
。
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