作为开放式的B/S架构程序，无论所属电商，金融，机械制造，企业OA，ERP，CRM，CMS等等行业或系统中，第三方支付以及银联支付的业务一定是客户关心所在，也是保证客户系统盈利运营的一个重要保障。通常这种B2C或者C2C系统的开发，商户用户所关注的支付平台大多离不开“阿里支付宝，快钱，腾讯财付通，易宝支付这种第三方支付平台以及中国银联UnionPay....等等”这些方式。

最近某项目中涉及到支付的模块与涉及流程，在此和大家分享一下。

1，名词释义

       商户网站：比如淘宝，聚美，唯品会这种B2C/C2C的网站及后台的管理系统，统称为商户网站；主要负责对买家订单数据的封装，加密，
及支付平台回调的订单处理。

       支付平台：我们需要开发的支付平台，支付接口，支付模拟的Servlet，暴露出来的WebService接口url等；主要负责对买家请求来的
加密后的订单数据进行解密，构造请求的URL，拼接参数，对Sign进行加密，对支付机构异步（或同步）请求回调的数据
进行封装，解密回传给商户网站。

 支付机构：比如阿里支付宝，快钱，腾讯财付通，易宝支付这种第三方支付平台等支付机构。

 Sign：支付机构为商户分配的一把“密钥”与”合作者ID“同时分配，用做调用Base64，MD5等加密算法在加密解密时的一种私钥，通常
与此相关联的还有signType，就是加密方式。

 回调：对上次请求端request中的url或指定的url进行http请求，或https请求

 

      支付平台请求，响应，及回调流程图：

 

 

2，业务流设计(本文只介绍alipay的即时到账接口："create_direct_pay_by_user")

2.1  商户网站对数据封装加密，调用支付接口：

2.1.1）商户网站后台对买家的订单进行封装，插入商户网站db中的订单表（比如：xxx_order）；

                         PayReturnVovo = new PayReturnVo();

           vo.setOrderId("kuaiqian00232"); 

           vo.setOrderAmount("20"); 

           vo.setOrderTime("20140504121020"); 

           vo.setProductName("3M网线，送水晶头"); 

           vo.setProductId("2213229319378"); 

           vo.setProductNum("2"); 

           vo.setPayType("00");*/   

                             //   把模拟的表单数据转成Json

                            StringorderJson= PaymentJsonUtil.beanToJson(vo);

                            //   通过db获取商家key密钥

                            Stringkey = dao.getKeyByUserId(userId);

                            //   根据key使用base64加密算法对订单信息进行加密

 StringSignedJson = CryptUtil.encryptBase64Des(orderJson, key); 
 

 2.1.2）于此同时调用dao层查询买家用户平台账户余额，并进行锁表：在SQL的select后加入 forupdate wait n(最好
为1-5秒，此处的 数值为httpclient请求超时时长)为防止订单被多用户修改。

 

 

      2.2  支付平台响应请求及解密，调用支付机构接口：

 2.2.1）支付平台响应请求，对数据进行解密；

                            //获取输入参数

                            InputStreamis = request.getInputStream();

                       //把接收的加密流转成String类型

                       StringpayMsgJson = IOUtils.toString(is, "utf-8");

                            //base64进行解密

                       byte[]byteJson = CryptUtil.decryptBASE64payMsgJson

                       StringstrJson = new String(byteJson,"UTF-8");

                       //把解密后的json转换成实体vo

                            try{

                       pVo = (BankPayVo)PaymentJsonUtil.jsonToBean(strJson,BankPayVo.class);

 }catch (Exception e) {

           e.printStackTrace();
                              throw(e)；

                            }
 

                       2.2.2）从db查询商户协议信息，构造不同方式的支付机构所需请求的url；

                            publicString CreateUrl(PayBankEntity payBankEntity) throws BankpayException,SQLException{  

   StringwebPartentId = payBankEntity.getWebPartentId();

   //通过DB获取阿里支付Config信息

   AliPayAccountDaoImplaccount = new AliPayAccountDaoImpl();

                       AliPayAccountVoaccVo = account.getAccountInfo(webPartentId);                    

                              //根据订单号区别b2a和b2c对partner参数设置

   StringstrOrderNo = payBankEntity.getOrderNo();      

   //阿里支付合作伙伴ID

   Stringpartner = accVo.getPaPartner();  

   //阿里支付key

   Stringkey= accVo.getPaKey();  

   //阿里支付接口

   Stringpaygateway = accVo.getPaPayGateWay();  

   //阿里支付服务名

   Stringservice = accVo.getPaService();  

   //阿里支付签名Sign加密方式

   Stringsign_type = accVo.getPaSignType();

                                //卖家账号，邮箱

   Stringseller_email = accVo.getPaSellerEmail();   

   //###### Form Web ###### 商户网站订单

   Stringout_trade_no = payBankEntity.getOrderNo();  

   //###### Form Web ###### 交易总额

   Stringtotal_fee = payBankEntity.getMoney(); 

   //###### Form Web ######   商品名称

                         String subject= payBankEntity.getProductId();              

   //###### Form Web ######   商品展示地址

   StringinputCharset = accVo.getPaInputCharset();     

   //###### Form Web ###### 支付类型

   Stringpayment_type = payBankEntity.getPaymentType();   

   //超时时长

   Stringit_b_pay = accVo.getPaItBBay(); 

   //!!! 在此修改参数为异步notify_url但是vo和db中显示为return_url

   Stringreturn_url = accVo.getPaReturnUrl();

  StringItemUrl="";
 2.2.2.temp） PS:  下行代码的CreateUrl()是根据请求参数首字母降序排列，把参数重新构造成新的url。 

   ItemUrl= Payment.CreateUrl(paygateway,service,sign_type,inputCharset,payment_type,

                                                partner,key,out_trade_no,total_fee,return_url,seller_email,subject,it_b_pay);

   System.out.println("异步通知返回agbpay地址："+ return_url); 

                 returnItemUrl;

   }

                   2.2.3）StringBuffer绘制跳转请求的html dom元素，把参数请求到支付机构；

                        publicString getBankHtml(PayBankEntity payBankEntity) throws BankpayException {

      StringBuffer sbHtml = new StringBuffer();

 try {

 sbHtml.append("");

        sbHtml.append("

支付网关");

           sbHtml.append("

     sbHtml.append("

");

 }catch (Exception e) {

          throw new BankpayException("系统异常，错误描述：" + e.getMessage());

 }

  return sbHtml.toString(); 

                     }
 

 2.2.4）切记不要忘记设置支付机构回调支付平台的回调url，大多数支付机构的参数为同步和异步两种，设置支付机构的
回调url目的在于它进行了我们的请求。处理之后对订单数据及订单等状态的回写，进而支付平台可以封装，
加密成json串，继续调用商户网站，对这次支付的信息进行更改，执行具体业务。
 

                               下面是阿里的api，同步和异步回调路径不能同时为空。

 notify_url      服务器异步通知页面路径    String(160)     支付宝服务器主动通知商户网站里指定的页面Http路径 可空

 returl_url      服务器同步通知页面路径    String(160)     支付宝完成处理后当前页面自动跳转到商户网站的Http路径 可空

                               下面是快钱的api，同步和异步回调路径不能同时为空。

                pageUrl      接受支付结果的页面地址    String(256)     需要是绝对地址，与bgUrl不能同时为空，当bgUrl为空时，生效 可空

 bgUrl        接受支付结果后台代码地址   String(256)    需要是绝对地址，与pageUrl不能同时为空，当pageUrl为空时，生效 可空

 

      2.3  支付平台响应支付机构回调：被支付机构接收的订单支付成功或失败之后，回调我们支付平台的接口。

                        1）把支付宝的请求输入流转成我们需要的vo对象，调用2）中的performTask()。

                       //获取输入参数

                                InputStreamis = request.getInputStream();

                                //转成String类型

           String payMsgJson =IOUtils.toString(is, "utf-8");

                                PayReturnVovos = PaymentJsonUtil.jsonToBean(payMsgJson, PayReturnVo.class);

                       request.setAttribute("returnStr",vos);

  newAliPayReturnBo().performTask(request, response);

                        2）把支付宝的请求输入流转成我们需要的vo对象，调用2）中的performTask()。
                           

                        @SuppressWarnings("unused")

                        publicstatic String performTask(HttpServletRequest request,

                                     HttpServletResponseresponse) throws IOException, ServletException {

                        StringreturnStr = "";

                        StringwebPartentId = "";

                        try{

                                     Stringsign = request.getParameter("sign");

                                     //支付状态:TRADE_FINISHED(普通即时到账的交易成功状态)||TRADE_SUCCESS(开通

                                      了高级即时到账或机票分销产品后的交易成功状态)

                                     StringtradeStatus = request.getParameter("trade_status");

                                     //订单编号

                                     StringorderNo = request.getParameter("out_trade_no");

                                     //通知類型

                                     Stringnotify_type = request.getParameter("notify_type");

                                     //支付宝交易流水号

                                     Stringtrade_no = "";

                                     //订单总价

                                     Stringamount = request.getParameter("total_fee");

                                     if(request.getParameter("trade_no") != null) {

                                                 trade_no= request.getParameter("trade_no");

                                     }

                                     StringalipayNotifyURL = "http://notify.alipay.com/trade/notify_query.do?"

                                                             +"partner="

                                                             +partner

                                                             +"¬ify_id="

                       +request.getParameter("notify_id");

                                     //获取支付宝ATN返回结果，true是正确的订单信息，false 是无效的

                                     //StringresponseTxt = CheckURL.check(alipayNotifyURL);

                                     Mapparams = new HashMap();

                                     //获得POST 过来参数设置到新的params中

                                     for(Iterator iter = requestParams.keySet().iterator(); iter

                                                             .hasNext();){

                                                 Stringname = (String) iter.next();

                                                 String[]values = (String[]) requestParams.get(name);

                                                 StringvalueStr = "";

                                                 for(int i = 0; i < values.length; i++) {

                                                             valueStr= (i == values.length - 1) ? valueStr + values[i]  :valueStr + values[i] + ",";

                                                 }

                                                 params.put(name,valueStr);

                                     }

                                     //2、校验支付结果

                                     StringpayStatus = "1";

                                     Stringmysign = com.alipay.util.SignatureHelper.sign(params,privateKey);

                                     //验证

                                     booleanverifySuccess = mysign.equalsIgnoreCase(sign);

                                     //获取支付交易状态

                                     booleantradeFinished = tradeStatus

                                                             .equalsIgnoreCase("TRADE_SUCCESS")

                                                             ||tradeStatus.equalsIgnoreCase("TRADE_FINISHED");

                                     if(verifySuccess&& tradeFinished)

                                    {

                                                 //TODO 调用agbweb接口告知支付结果

                                                 PayReturnVovos = (PayReturnVo) request.getAttribute("returnStr");

                                                 StringwebPartengId = vos.getWebPartentId();

                                                 //通过DB获取阿里支付Config信息

                                                 AliPayAccountDaoImplaccount = new AliPayAccountDaoImpl();

                                                 AliPayAccountVoaccVo = account.getAccountInfo(webPartengId);

                                                 Stringkey = accVo.getWebKey();

                                                 vos.setOutTradeNo(vos.getBillNo());

                                                 vos.setTotal_free(vos.getTotal_free());

                                                 vos.setPrivate_key(key);

                                                 StringnotifyType = vos.getNotifyType();

                                                 StringpayStatuss = vos.getPay_status();

                                                 //         支付银行

                                                 if(notifyType.equals("trade_status_sync")) {

                                                             vos.setBankName("ALIPAY");

                                                 }else

                                                             vos.setBankName("QUICKMONEY");

                                                 //         支付结果

                                                 if(payStatuss.equals("TEADE_SUCCESS")|| payStatuss.equals("TEADE_FINISHED")){

 //         阿里-支付成功

 vos.setTradeFlag("ALIPAY_T");

                                                 }

 returnStr= PaymentJsonUtil.beanToJson(vos);

                                                 //         原封Json+key

                                                 StringreturnStrWithKey = key + returnStr;

                                                 //        MD5加密

                                                 StringbyteMD5 = MD5Util.MD5Encode(returnStrWithKey);

                                                 returnMsg(request,response, returnStr , byteMD5);

 

                                         }else if (!verifySuccess) { // "AliPay返回的结果信息认证没有通过"

 //}else if (false) { // "AliPay返回的结果信息认证没有通过"

                                                 thrownew BankpayException("Alipay支付返回失败");

                                         }else { // AliPay返回没有TRADE_FINISHED

                                                 thrownew BankpayException("Alipay支付返回失败");

                                         }

                                         }catch (Exception e) {

                                                 e.printStackTrace();

                                     }

                                     return returnStr;

                                }

 

                       3）回调商户网站的接口，告知支付状态以及回调的订单信息。

                        publicstatic void returnMsg(HttpServletRequest request,

                                     HttpServletResponseresponse, String strMsg , String strMD5) 

                        try{

                                     URLurl = new URL(

                                     "http://10.1.126.10:8080/agb/payResponse.servlet?str="+ strMsg + "&strMD5=" + strMD5);

                                     HttpURLConnectionhttp = (HttpURLConnection) url.openConnection();

                                     http.setRequestMethod("POST");

                                     http.setDoOutput(true);

                                     http.setDoInput(true);

                                     System.setProperty("sun.net.client.defaultConnectTimeout","30000");// 连接超时30秒

                                     System.setProperty("sun.net.client.defaultReadTimeout","30000"); // 读取超时30秒

                                     http.connect();

                                     //TODO 把数据回写到agbweb

                                     OutputStreamos = http.getOutputStream();

                                     //os.write(strMsg.getBytes("UTF-8"));//传入参数

                                     os.flush();

                                     os.close();

                                     InputStreamis = http.getInputStream();

                                }catch (IOException e) {

                                     e.printStackTrace();
                                     throw(e); 

                                    }

                        }

                       4）被支付机构接收的订单有可能存在回调失败等情况，虽然这种情况是百万分之一的机会，但为了防止交易过程没有
进行回调，也可以通过Spring的定时任务注解：@Scheduled注解进行“对账接口”的定时对账，在此不进行详细
介绍，接口名为“Sign_trade_query”。

     

 2.4  商户网站响应支付平台回调：

 

                       1）流获取，转换String UTF-8；

                       2）解密，Json转化为Vo；

                       3）执行某个Service/Bo；

                       4）更新DB，订单表等；

                       5）回写页面，告知用户支付结果。

 

 本篇日志仅大致描述了支付宝交易的一次请求流程：
   1）商户网站（订单加密）
2）订单解密）支付平台（构造url）
3）阿里接口

4）封装订单vo -- 支付平台 -- 订单加密，模拟请求

5）商户网站（db操作订单）的操作流程。
其中包括其中的4次加密以及2次回调和两次模拟的http请求。其他第三方或银联支付平台与此结构大致一样，只是API中的参数或构造URL的方式，加密算法有个别差异。

  仅供参考，个人觉得bo中的业务逻辑处理得还不够细致，欢迎大家提出最宝贵的意见，一起探讨学习。





以上。