PHP【连连支付】用户绑定银行卡

应用场景：

上次介绍的是，对接连连第三方支付，详情请参考《连连支付第三方对接》。使用连连支付，由于第一次去支付，需要进行绑卡操作，这样会导致用户体验不好。因此，需要在个人中心增加绑卡功能。

实现：

    // 匿名用户绑定银行卡
    public function postBindCard()
    {
        $user = $this->user(); // 获取当前登录用户
        $param = $this->request->post();// 获取表单提交参数
        // 表单验证
        if (!$this->validate->scene('bindCard')->check($param)) {
            return $this->renderError($this->validate->getError());
        }
        // 验证银行卡
        if ($this->checkBankCard($param['acctno']) != 'true') {
            return $this->renderError('银行卡参数有误！');
        }
        // 查询该卡是否已经绑定过
        $card_info = Db::name('user_card')->where(['user_id' => $user['user_id'],'acctno' => $param['acctno']])->value("acctno");
        if (!empty($card_info)) {
            return $this->renderError('您已绑定过该银行卡！');
        }
        $llPay = new LianLianPay();
        $result = $llPay->bindCard($param,$user);
        if ($result['status'] == 'succeeded') {
            // 绑定成功
            return $this->renderSuccess($result);
        }
        return $this->renderError($result['msg']);
    }

    // 匿名用户绑卡验证
    public function bindMyCardVerify()
    {
        $user = $this->user();// 获取当前登录用户
        $param = $this->request->post();
        // 表单验证
        if (!$this->validate->scene('bindCardVerify')->check($param)) {
            return $this->renderError($this->validate->getError());
        }
        $llPay = new LianLianPay();
        $result = $llPay->bindCardVerify($param,$user);
        if ($result['status'] == 'succeeded') {
            // 绑定成功
            return $this->renderSuccess($result);
        }
        return $this->renderError($result['msg']);
    }

    /**
     * 检查银行卡号是否正确
     * @param string $cardNumber
     * @return bool
     */
    public function checkBankCard($card_number){
        $arr_no = str_split($card_number);
        $last_n = $arr_no[count($arr_no)-1];
        krsort($arr_no);
        $i = 1;
        $total = 0;
        foreach ($arr_no as $n){
            if($i%2==0){
                $ix = $n*2;
                if($ix>=10){
                    $nx = 1 + ($ix % 10);
                    $total += $nx;
                }else{
                    $total += $ix;
                }
            }else{
                $total += $n;
            }
            $i++;
        }
        $total -= $last_n;
        $x = 10 - ($total % 10);
        if($x == $last_n){
            return 'true';
        }else{
            return 'false';
        }
    }

 LianLianPay.php

<?php
class LianLianPay {
    // 01 用户绑定银行卡
    public function bindCard($param,$user)
    {
        include_once VENDOR_PATH . '/lianlianpay/LLianPayClient.php';
        $time = date('YmdHis',time());
        $seqno = 'YHBK'.$time;
        $notify_url = 'https://test.com/notice.php';
        $parameter = new \stdClass();
        $parameter->timestamp = $time;
        $parameter->oid_partner = $this->payee_id; // 商户号
        $parameter->user_id = $user['user_id'];
        $parameter->txn_seqno = $seqno;
        $parameter->txn_time = $time;
        $parameter->notify_url = $notify_url;
        // 以下几个参数需要加密处理
        $parameter->linked_acctno = LLianPayAccpSignature::publicKeyEncrypt($param['acctno']);
        $parameter->linked_acctname = LLianPayAccpSignature::publicKeyEncrypt($param['acctname']);
        $parameter->linked_phone = LLianPayAccpSignature::publicKeyEncrypt($param['phone']);
        $parameter->id_type = "ID_CARD";
        $parameter->id_no = LLianPayAccpSignature::publicKeyEncrypt($addressInfo['ID_number']);
        $client = new LLianPayClient();
        $gateway_url = 'https://accpapi.lianlianpay.com/v1/acctmgr/bindcard-apply';
        $result = $client->sendRequest($gateway_url,json_encode($parameter));
        if($result['ret_code'] == '0000'){
            $result['status'] = 'succeeded';
        }else{
            $result =  ['status'=>'failed','msg'=>$result['ret_msg']];
        }
        return $result;
    }
    
    // 02 用户绑定银行卡验证
    public function bindCardVerify($param,$user)
    {
        include_once VENDOR_PATH . '/lianlianpay/LLianPayClient.php';
        $time = date('YmdHis',time());
        $notify_url = 'https://test.com/notice.php';
        $parameter = new \stdClass();
        $parameter->timestamp = $time;
        $parameter->oid_partner = $this->payee_id; // 商户号
        $parameter->user_id = $user['user_id'];
        $parameter->txn_seqno = $param['txn_seqno'];
        $parameter->token = $param['token'];
        $parameter->verify_code = $param['verify_code']; // 验证码
        $client = new LLianPayClient();
        $gateway_url = 'https://accpapi.lianlianpay.com/v1/acctmgr/bindcard-verify';
        $result = $client->sendRequest($gateway_url,json_encode($parameter));
        if($result['ret_code'] == '0000'){
            $result['status'] = 'succeeded';
        }else{
            $result =  ['status'=>'failed','msg'=>$result['ret_msg']];
        }
        return $result;
    }
}

接口

总结：