备注：以下代码基于PHP laravel框架，引用了自带的函数。array_get($array, "key") 为数组中取元素，类似于$array["key"]。快钱后端语言为java，对接快钱时遇到了一些问题，今天整理下，希望可以帮到更多的人。

一、后端拼接唤起支付url

/**

* 快钱一码付(聚合支付)相关配置

*/

$kuaiqian = [

"merchantCode" => "10210xxxxxx", //商户会员号

"merchantId" => "812310xxxxx", //商户编号

"terminalId" => "71075xxxxx", //终端编号

"key" => "xxxxxxx", //支付秘钥

"payUrl" => "https://pay.99bill.com/prod/html/agent-static/index.html", //快钱前端唤起支付url

"returnUrl" => "https://xxx/return_url", //支付成功，前端回调url

]

/**

* 拼接支付参数

* @param $orderNumber

*/

function getPayUrl($orderNumber, $money)

{

$data = [

"requestTime" => date("YmdHis"),

"externalTraceNo" => $orderNumber,

"merchantCode" => array_get($kuaiqian, "merchantCode"),

"merchantId" => array_get($kuaiqian, "merchantId"),

"terminalId" => array_get($kuaiqian, "terminalId"),

"amt" => $money,

"returnUrl" => array_get($kuaiqian, "returnUrl")."?orderNumber=".$orderNumber //前端同步回调地址

];

$sign = kuaiqian_sign($data);

$data["secretInfo"] = $sign;

$string = "";

foreach ($data as $key => $value) {

$string .= $key."=".$value."&";

}

return array_get($kuaiqian, "payUrl")."?".rtrim($string, "&");

}

/**

* 快钱支付签名

*/

function kuaiqian_sign($data)

{

ksort($data);

$res = "";

foreach ($data as $key => $value) {

if (!$value) continue; //参数值为空时不参与签名

$res .= $key."=".$value."&";

}

$stringSignTemp = $res."key=".array_get($kuaiqian, "key");

return strtoupper(md5($stringSignTemp));

}

二、回调签名(和支付、微信不同的是快钱的回调地址需要提前和业务联系配置)

/**

* 支付异步回调

* @param Request $request

*/

function payNotify(PayRepository $payRepository)

{

$request = file_get_contents("php://input");

$request = explode("&", $request);

//将回调数组转为完整数组

foreach ($request as $data) {

$tmp = explode("=", $data);

$result[array_get($tmp, "0")] = urldecode(array_get($tmp, "1"));

}

//支付回调签名验证

$signVerify = kuaiqian_notify_sign_verify($result);

//签名不通过

if (!$signVerify) {

return "1";

}

//系统内部订单号

$orderNumber = array_get($result, "externalTraceNo");

//订单已经支付成功，不需要重复回调

if (array_get($payOrder, "status") != PayOrder::PAY_ORDER_STATUS_NOT) {

return "0";

}

if (array_get($result, "processFlag") === "0") { //支付成功,处理内部业务逻辑

$result = "success"; //处理支付成功以后的业务逻辑

if (!$result) {

return "1";

} else {

return "0";

}

} else { //支付不成功，也不允许再次回调

return "0";

}

}

/**

* 快钱支付接口通知验签结果校验

* @param $datas array 快钱回调完整报文

*/

function kuaiqian_notify_sign_verify($datas)

{

$signature = array_get($datas, "signature"); //获取签名

//获取参与验签的数组节点(array_only()为laravel封装的函数，获取数组中指定键的参数，可以自己封装。)

$datas = array_only($datas, ["processFlag", "txnType", "orgTxnType", "amt", "externalTraceNo", "orgExternalTraceNo",

"terminalOperId", "authCode", "RRN", "txnTime", "shortPAN", "responseCode", "cardType", "issuerId"]);

//节点值为空时屏蔽节点，不需要参与验签

foreach ($datas as $key => $value) {

if ($datas[$key] === "") {

unset($datas[$key]);

}

}

$result = implode("", $datas); //等待验签字符串拼接

$publicKey = openssl_get_publickey(file_get_contents(public_path("xxxx/public.pem"))); #特别强调：验签公钥快钱给的是.cer格式，PHP需要转为pem(openssl x509 -inform der -in xx.cer xx.pem)

return openssl_verify($result, base64_decode($signature), $publicKey);

}

三、后记

快钱后端为Java，导致回调验签的时候费了好大力气才搞定，今天整理了下，需要的伙伴可以试试，有问题可以私我。(快钱做大做强了，但技术对接服务这块真的不怎么样，坑死。)