1 开发前准备 先和银联手机支付签约，他们会给你测试的证书已经手机客户端的控件
2  将包里的文件（TESTMERCHANT.p12）经过openssl生成的密钥文件TESTMERCHANT.pm 默认密码是 1
3 PHP端程序
  下订单程序
   /*
  * 银联支付
  * */
 //wap下订单接口（需要验证签名）
 public function wapsendAction() {
  header("Content-Type:text/html; charset=utf-8");
  $request = $this->getRequest();
  if(isset($_SESSION['uid'])){
   if($request->isPost()){
    $uid=intval($_SESSION['uid']);
    $money = intval($request->getPost(money));//金额以元为单位
    $beans = $money;
    $arraymoney=array("1","10","30","100");
    if(!in_array($money,$arraymoney)){
     echo '1';//金额不对
     exit();
    }
   }else{
    echo '2';//不是POST请求
    exit();
   }
   $payaction = new PayAction();
   $rid = $payaction->insertRecharge($uid, 36, $money, $beans);
   if($rid) {
    $orderTime=date('YmdHis'); //交易开始日期时间
    //$rid='00000123';//订单
    $rid=str_pad($rid,'8','0',STR_PAD_LEFT);
    //$money='000000000030';//金额str_pad(string,length,pad_string,pad_type)
    $money= str_pad($money*100,'12','0',STR_PAD_LEFT);
    //$bz='156';//币种
    $terminal='00000001';//pos机
    $shanghu='100011000110195';//商户代码
    $shanghumc='我在找你';//商户名称
    $string=$orderTime.$rid.$money.$terminal.$shanghu.$shanghumc;
    $fp = fopen(ROOT_ACTION.'quickpay/TESTMERCHANT.pem', "r");
    $priv_key = fread($fp, 8192);
    fclose($fp);
    $pkeyid = openssl_get_privatekey($priv_key);
    openssl_sign($string, $signature, $pkeyid);
    $len = strlen($signature);
    $hexArray = "0123456789abcdef";
    $str = $signature;
    $result = "";
    for($i=0;$i<$len;$i++) {
     if(ord($str[$i]) >= 128){
      $byte = ord($str[$i]) - 256;
     }else{
      $byte =  ord($str[$i]);
     }
     $bytes[] = $byte ;
     $byte = $byte & 0xff;
     $result .= $hexArray[$byte >> 4];
     $result .= $hexArray[$byte & 0xf];
    }
    echo '<?xml version="1.0" encoding="UTF-8" standalone="yes"?><cupMobile version="1.01" application="All"><transaction type="Purchase.MARsp"><submitTime>'.$orderTime.'</submitTime><order id="'.$rid.'">'.$beans.'块钱订单</order><transAmount>'.$money.'</transAmount><terminal id="'.$terminal.'"/><merchant name="我在找你" id="'.$shanghu.'"/></transaction><senderSignature>'.$result.'</senderSignature></cupMobile>';
   }else{
    $payaction = new PayAction();
    $str = '银联wap支付下订单失败uid='.$uid.'money='.$money.'rid='.$rid;
    $payaction->Insert_errorpay($str,1,0);//1为银联1 为下订单失败
    echo '3';//订单验证签名失败
    exit;
   }
  }else{
   echo '4';//登录后再下订单
   exit();
  }
 }
现在再提供一个回调的函数就可以了。
public function wapback_notifyAction() {
 $request = $this->getRequest();
 if($request->isPost()){
  $arr_ret = file_get_contents("php://input");
  $payaction = new PayAction();
  $xml = new SimpleXMLElement($arr_ret);
  $orderid=$this->getAttr($arr_ret,'order') ;//获取订单id
  $submitTime=$this->getDataForXML($arr_ret,'/cupMobile/transaction/submitTime');//获取交易时间
  $moeney=$this->getDataForXML($arr_ret,'/cupMobile/transaction/billAmount');//获取金额
  $accountNumber1=$this->getDataForXML($arr_ret,'/cupMobile/transaction/accountNumber1');//获取支付卡
  $settleDate=date('Ymd'); //交易开始日期时间
  $payaction->insertPayQQ(1,1,$arr_ret.'orderid'.$orderid['id']);
  if($orderid['id']>0){
   $orderNumbe=substr($orderid['id'],'2');
   $payaction->updateRechargeStatus($orderNumbe);
   echo '<?xml version="1.0" encoding="UTF-8"?><cupMobile application="UPNoCards" version="1.01"><transaction type="PurchaseAdvice.MPRsp"><submitTime>'.$submitTime.'</submitTime><order id="'.$orderid['id'].'"><generateTime>'.$submitTime.'</generateTime></order><transAmount currency="156">'.$moeney.'</transAmount><terminal id="000001"/><merchant id="100011000110195"/><accountNumber1>'.$accountNumber1.'</accountNumber1><responseCode>000</responseCode><transSerialNumber>000001</transSerialNumber><billAmount currency="156">'.$moeney.'</billAmount><settleDate>'.$settleDate.'</settleDate></transaction></cupMobile>';
  }
 }
}
 
这样就好了 另外附带2个xml操作函数
 
//xml获取属性值
 function getAttr($str , $tag) {
  preg_match_all("/(?:<${tag})([^>]*)>/im" , $str , $ary);
  if(is_array($ary[1])) {
   preg_match_all('/([a-zA_Z0-9]+?)\s*?(?:=)\s*?(?:[\'"]?)([a-zA_Z0-9_\-\.]*?)(?:[\'"])/im' , $ary[1][0] , $a);
   for($i = 0 , $j = count($a[1]) ; $i < $j ; ++$i) {
    $v[$a[1][$i]] = $a[2][$i];
   }
   return $v;
  }
}
//xml获取指定节点的元素值
function getDataForXML($res_data,$node)
{
 $xml = simplexml_load_string($res_data);
 $result = $xml->xpath($node);
 while(list( , $node) = each($result))
 {
  return $node;
 }
}