jyt_pay 0.1.0

data/lib/jyt_pay/api/auth_card.rb

@@ -0,0 +1,60 @@
+# coding: utf-8
+# 认证银行卡
+module JytPay
+  module Api
+    module AuthCard
+
+      AUTH_CARD_TRAN_CODE = "TR4003"
+
+      # 四要素认证
+      #
+      # @param flow_id [ String ] 订单号
+      # @param card_id [ String ] 银行卡号
+      # @param true_name [ String ] 真实姓名
+      # @param identity_id [ String ] 身份证
+      # @param phone [ String ] 银行卡预留手机号
+      #
+      # @return [ Hash ] 结果集
+      #   * :result [String] 是否成功，`F`, `S`
+      #   * :bank_name [String] 成功后会返回该卡在 jyt 系统内的中文名
+      #   * :msg [String] 结果说明
+      #   * :ret_code [String] 结果 CODE
+      #   * :flow_id [String] 订单号
+      #   * :request_body [String] 请求报文
+      #   * :response_body [String] 响应报文
+      #
+      def auth_card(flow_id, card_id, true_name, identity_id, phone)
+
+        params = {
+          bank_card_no: card_id,
+          id_num: identity_id,
+          id_name: true_name,
+          terminal_type: '01',
+          bank_card_type: 'D',
+          phone_no: phone,
+        }
+
+        xml_str = JytPay::Xml.generate(@merchant_id, AUTH_CARD_TRAN_CODE,
+                                       params, flow_id)
+
+        response = Http.post(@merchant_id, @uris[:auth],
+                             AUTH_CARD_TRAN_CODE, xml_str,
+                             @rsa_private_key, @rsa_jyt_public_key)
+
+        res = {
+          result: 'S0000000' == response[:head][:resp_code] ? 'S' : 'F',
+          bank_name: response[:body][:bank_name],
+          msg: response[:head][:resp_desc],
+          ret_code: response[:head][:resp_code],
+          flow_id: flow_id,
+          vendor_order_id: nil, # jyt 不会返回他们的订单号
+          request_body: xml_str,
+          response_body: response[:xml_str],
+        }
+
+        res
+      end
+
+    end # module QuickPay
+  end # module Api
+end # module

data/lib/jyt_pay/api/query_balance.rb

@@ -0,0 +1,50 @@
+# coding: utf-8
+# 商户余额查询
+module JytPay
+  module Api
+    module QueryBalance
+
+      QUERY_BALANCE_TRAN_CODE = "TC2020"
+
+      # 查询商户当前余额
+      #
+      # @param flow_id [ String ] 订单号
+      #
+      # @return [ Hash ] 结果集
+      #   * :result [String] 是否成功，`F`, `S`, `P`
+      #   * :msg [String] 结果说明
+      #   * :balance [Float] 余额
+      #
+      def query_balance(flow_id)
+        params = {
+          mer_viral_acct: @mer_viral_acct,
+        }
+
+        xml_str = JytPay::Xml.generate(@merchant_id, QUERY_BALANCE_TRAN_CODE,
+                                       params, flow_id)
+
+        response = Http.post(@merchant_id, @uris[:query_balance],
+                             QUERY_BALANCE_TRAN_CODE, xml_str,
+                             @rsa_private_key, @rsa_jyt_public_key)
+
+        res = {
+          result: 'F',
+          msg: response[:head][:resp_desc],
+          balance: 0,
+        }
+
+        case response[:head][:resp_code]
+        when 'S0000000'
+          res = {
+            result: 'S',
+            msg: response[:head][:resp_desc],
+            balance: response[:body][:balance].to_f,
+          }
+        end
+
+        res
+      end
+
+    end # module QueryBalance
+  end # module Api
+end # module

data/lib/jyt_pay/api/query_order.rb

@@ -0,0 +1,71 @@
+# coding: utf-8
+# 查询代付代收订单
+module JytPay
+  module Api
+    module QueryOrder
+
+      QUERY_PAY_TRAN_CODE = "TC2001"
+      QUERY_DRAW_TRAN_CODE = "TC2002"
+
+      # 查询代付代收订单
+      #
+      # @param flow_id [ String ] 订单号
+      # @param ori_flow_id [ String ] 原业务订单号
+      # @param tran_type [ String ] 原业务类型：`:pay` or `:draw`
+      #
+      # @return [ Hash ] 结果集
+      #   * :result [String] 原业务是否成功，`F`, `S`, `P`
+      #   * :msg [String] 结果说明
+      #   * :ret_code [String] 结果 CODE
+      #   * :flow_id [String] 订单号
+      #   * :request_body [String] 请求报文
+      #   * :response_body [String] 响应报文
+      #
+      def query_order(flow_id, ori_flow_id, tran_type)
+        case tran_type.to_sym
+        when :pay
+          server_uri = @uris[:pay]
+          tran_code = QUERY_PAY_TRAN_CODE
+        when :draw
+          server_uri = @uris[:draw]
+          tran_code = QUERY_DRAW_TRAN_CODE
+        else
+          raise 'unknow query tran code'
+        end
+
+        params = {
+          ori_tran_flowid: ori_flow_id
+        }
+
+        xml_str = JytPay::Xml.generate(@merchant_id, tran_code,
+                                       params, flow_id)
+
+        response = Http.post(@merchant_id, server_uri,
+                             tran_code, xml_str,
+                             @rsa_private_key, @rsa_jyt_public_key)
+
+        res = {
+          result: 'P', # 默认 pending
+          msg: response[:body][:tran_resp_desc] || response[:head][:resp_desc],
+          ret_code: response[:body][:tran_resp_code] || response[:head][:resp_code],
+          flow_id: flow_id,
+          vendor_order_id: nil, # jyt 不会返回他们的订单号
+          request_body: xml_str,
+          response_body: response[:xml_str],
+        }
+
+        return res if response[:body][:tran_resp_code].nil?
+
+        res[:result] = case tran_type.to_sym
+                       when :pay
+                         Http::RetCode.pay_result(response[:body][:tran_resp_code], response[:body][:tran_state])
+                       when :draw
+                         Http::RetCode.draw_result(response[:body][:tran_resp_code], response[:body][:tran_state])
+                       end
+
+        res
+      end
+
+    end # module QueryOrder
+  end # module Api
+end # module

data/lib/jyt_pay/api/quick_draw.rb

@@ -0,0 +1,75 @@
+# coding: utf-8
+# 单笔同步代付
+module JytPay
+  module Api
+    module QuickDraw
+
+      QUICK_DRAW_TRAN_CODE = "TC1002"
+
+      # 单笔同步代付
+      #
+      # @param flow_id [ String ] 订单号
+      # @param money [ Float ] 代付金额（精确到2位）
+      # @param bank_business_name [ String ] 银行卡的中文名（在银行卡认证后有返回）
+      # @param card_id [ String ] 银行卡号
+      # @param true_name [ String ] 真实姓名
+      # @param identity_id [ String ] 身份证
+      # @param phone [ String ] 银行卡预留手机号
+      #
+      # @return [ Hash ] 结果集
+      #   * :result [String] 是否成功，`F`, `S`, `P`
+      #   * :msg [String] 结果说明
+      #   * :ret_code [String] 结果 CODE
+      #   * :flow_id [String] 订单号
+      #   * :request_body [String] 请求报文
+      #   * :response_body [String] 响应报文
+      #
+      def quick_draw(flow_id, money,
+                     bank_business_name, card_id,
+                     true_name, identity_id, province, city)
+
+        params = {
+          mer_viral_acct: "",
+          agrt_no: "",
+          bank_name: bank_business_name,
+          account_no: card_id,
+          account_name: true_name,
+          account_type: "00", #对私
+          branch_bank_province: province,
+          branch_bank_city: city,
+          branch_bank_name: "",
+          tran_amt: money, #两位小数
+          currency: "CNY",
+          bsn_code: "09400", #14900其他费用
+          cert_type: "01",
+          cert_no: identity_id,
+          mobile: "",
+          remark: "",
+          reserve: "",
+        }
+
+        xml_str = JytPay::Xml.generate(@merchant_id, QUICK_DRAW_TRAN_CODE,
+                                       params, flow_id)
+
+        response = Http.post(@merchant_id, @uris[:draw],
+                             QUICK_DRAW_TRAN_CODE, xml_str,
+                             @rsa_private_key, @rsa_jyt_public_key)
+
+        res = {
+          result: 'P', # 默认 pending
+          msg: response[:head][:resp_desc],
+          ret_code: response[:head][:resp_code],
+          flow_id: flow_id,
+          vendor_order_id: nil, # jyt 不会返回他们的订单号
+          request_body: xml_str,
+          response_body: response[:xml_str],
+        }
+
+        res[:result] = Http::RetCode.draw_result(response[:head][:resp_code], response[:body][:tran_state])
+
+        res
+      end
+
+    end # module QuickDraw
+  end # module Api
+end # module

data/lib/jyt_pay/api/quick_pay.rb

@@ -0,0 +1,76 @@
+# coding: utf-8
+# 单笔同步代扣
+module JytPay
+  module Api
+    module QuickPay
+
+      QUICK_PAY_TRAN_CODE = "TC1001"
+
+      # 单笔同步代付
+      #
+      # @param flow_id [ String ] 订单号
+      # @param money [ Float ] 代付金额（精确到2位）
+      # @param bank_business_name [ String ] 银行卡的中文名（在银行卡认证后有返回）
+      # @param card_id [ String ] 银行卡号
+      # @param true_name [ String ] 真实姓名
+      # @param identity_id [ String ] 身份证
+      # @param phone [ String ] 银行卡预留手机号
+      #
+      # @return [ Hash ] 结果集
+      #   * :result [String] 是否成功，`F`, `S`, `P`
+      #   * :msg [String] 结果说明
+      #   * :ret_code [String] 结果 CODE
+      #   * :flow_id [String] 订单号
+      #   * :request_body [String] 请求报文
+      #   * :response_body [String] 响应报文
+      #
+      def quick_pay(flow_id, money,
+                    bank_business_name, card_id,
+                    true_name, identity_id, phone)
+
+        params = {
+          mer_viral_acct: "",
+          agrt_no: "",
+          bank_name: bank_business_name,
+          account_no: card_id,
+          account_name: true_name,
+          account_type: "00", #对私
+          branch_bank_province: "",
+          branch_bank_city: "",
+          branch_bank_name: "",
+          tran_amt: money, #两位小数
+          currency: "CNY",
+          bsn_code: "11203", #14900其他费用
+          cert_type: "01",
+          cert_no: identity_id,
+          mobile: phone,
+          remark: "",
+          reserve: "",
+        }
+
+        xml_str = JytPay::Xml.generate(@merchant_id, QUICK_PAY_TRAN_CODE,
+                                       params, flow_id)
+
+        response = Http.post(@merchant_id, @uris[:pay],
+                             QUICK_PAY_TRAN_CODE, xml_str,
+                             @rsa_private_key, @rsa_jyt_public_key)
+
+        res = {
+          result: 'P', # 默认 pending
+          msg: response[:head][:resp_desc],
+          ret_code: response[:head][:resp_code],
+          flow_id: flow_id,
+          vendor_order_id: nil, # jyt 不会返回他们的订单号
+          request_body: xml_str,
+          response_body: response[:xml_str],
+        }
+
+        res[:result] = Http::RetCode.pay_result(response[:head][:resp_code],
+                                                response[:body][:tran_state])
+
+        res
+      end
+
+    end # module QuickPay
+  end # module Api
+end # module

data/lib/jyt_pay/client.rb

@@ -0,0 +1,37 @@
+# coding: utf-8
+
+# 客户端
+
+module JytPay
+  class Client
+
+    # 代付代扣的 api
+    include JytPay::Api::QuickPay
+    include JytPay::Api::QuickDraw
+    include JytPay::Api::QueryOrder
+    # 通用 api
+    include JytPay::Api::QueryBalance
+    # 认证银行卡 api
+    include JytPay::Api::AuthCard
+
+    def initialize(options_arg)
+      options = Utils.symbolize_keys(options_arg)
+
+      @uris = {
+        pay: URI(options[:pay_url]),
+        draw: URI(options[:draw_url]),
+        auth: URI(options[:auth_url]),
+        query_balance: URI(options[:query_balance_url]),
+      }
+
+      @merchant_id = options[:merchant_id]
+      @mer_viral_acct = options[:mer_viral_acct]
+      @private_key = options[:private_key]
+      @jyt_public_key = options[:jyt_public_key]
+
+      @rsa_private_key = OpenSSL::PKey::RSA.new(@private_key)
+      @rsa_jyt_public_key = OpenSSL::PKey::RSA.new(@jyt_public_key)
+    end
+
+  end
+end

data/lib/jyt_pay/encrypt/des.rb

@@ -0,0 +1,30 @@
+# coding: utf-8
+
+module JytPay
+  module Encrypt
+    module Des
+
+      ALG = 'DES-CBC'
+
+      def self.encrypt(str, key_arg = Encrypt::DES_KEY)
+        des = OpenSSL::Cipher::Cipher.new(ALG)
+        des.key = key_arg
+        des.iv = key_arg
+        des.encrypt
+        cipher = des.update(str) + des.final
+        cipher.unpack('H*')[0]
+      end
+
+      def self.decrypt(xml_enc, key_str)
+        xml_str = [xml_enc].pack 'H*'
+
+        des = OpenSSL::Cipher::Cipher.new(ALG)
+        des.decrypt
+        des.key = key_str
+        des.iv = key_str
+        des.update(xml_str) + des.final
+      end
+
+    end
+  end
+end

data/lib/jyt_pay/encrypt/encrypt.rb

@@ -0,0 +1,7 @@
+# coding: utf-8
+
+module JytPay
+  module Encrypt
+    DES_KEY = "12345678"
+  end
+end

data/lib/jyt_pay/encrypt/rsa.rb

@@ -0,0 +1,20 @@
+# coding: utf-8
+
+module JytPay
+  module Encrypt
+    module Rsa
+
+      def self.encrypt(rsa_public_key, key_arg = Encrypt::DES_KEY)
+        data = [key_arg].pack 'H*'
+        kenc = rsa_public_key.public_encrypt key_arg
+        kenc.unpack('H*')[0]
+      end
+
+      def self.decrypt(key_enc, rsa_private_key)
+        ec = [key_enc].pack 'H*'
+        rsa_private_key.private_decrypt(ec)
+      end
+
+    end
+  end
+end

data/lib/jyt_pay/http/communicate.rb

@@ -0,0 +1,77 @@
+# coding: utf-8
+module JytPay
+  module Http
+
+    def self.post(merchant_id, server_uri,
+                  tran_code, xml_str,
+                  rsa_private_key, rsa_jyt_public_key)
+      body = {
+        merchant_id: merchant_id,
+        xml_enc: Encrypt::Des.encrypt(xml_str),
+        key_enc: Encrypt::Rsa.encrypt(rsa_jyt_public_key),
+        sign: Sign::Rsa.sign(rsa_private_key, xml_str)
+      }
+
+      puts "\n[#{tran_code}][#{server_uri}] 发送原始 xml 为：\n#{xml_str}\n"
+
+      result = {}
+
+      begin
+        response = Net::HTTP.post_form(server_uri, body)
+
+        if response.is_a?(Net::HTTPSuccess) # 返回 200 才处理
+          result = unpack_body(response.body, rsa_private_key)
+        else
+          # 非 200 请求
+          result = Http::RetCode.general_error_response(response.code)
+        end
+      rescue Net::ReadTimeout # 请求超时
+        result = Http::RetCode.general_error_response(0)
+      end
+
+      puts "\n[#{tran_code}][#{server_uri}] 返回结果为：\n#{result}\n\n"
+
+      result
+    end
+
+    private
+
+    def self.unpack_body(response_body, rsa_private_key)
+      # 把返回的字符串，按键值对组成 hash
+      response_result = {}
+      response_body.split('&').each{ |key_value_str|
+        k, v = key_value_str.split('=')
+        response_result[k.to_sym] = v
+      }
+
+      # 解密
+      key_str = Encrypt::Rsa.decrypt(response_result[:key_enc], rsa_private_key)
+      xml_str = Encrypt::Des.decrypt(response_result[:xml_enc], key_str)
+
+      # TODO(tony): 好像没有验签啊？
+      doc = ::REXML::Document.new xml_str
+
+      result = {
+        head: {},
+        body: {},
+        xml_str: xml_str,
+      }
+
+      root = doc.root
+      if root.elements["head"]
+        root.elements["head"].elements.each { |element|
+          result[:head][element.name.to_sym] = element.text
+        }
+      end
+
+      if root.elements["body"]
+        root.elements["body"].elements.each { |element|
+          result[:body][element.name.to_sym] = element.text
+        }
+      end
+
+      result
+    end
+
+  end
+end

data/lib/jyt_pay/http/ret_code.rb

@@ -0,0 +1,60 @@
+# coding: utf-8
+module JytPay
+  module Http
+
+    module RetCode
+      # 默认的返回值
+      def self.general_error_response(http_status)
+        result = {
+          head: {
+            resp_code: 'S0000000',
+            resp_desc: "网络错误( http 状态码：#{http_status})"
+          },
+          body: {
+            tran_state: '03',
+          },
+          xml_str: '',
+        }
+      end
+
+      # 支付的结果
+      def self.pay_result(resp_code, tran_state)
+        case resp_code
+        when 'S0000000'
+          case tran_state
+          when '01'
+            return 'S'
+          when '03'
+            return 'F'
+          else
+            return 'P'
+          end
+        when 'E0000000' # jyt 处理中
+          return 'P'
+        else
+          return 'F'
+        end
+      end # self.pay_result
+
+      # 提现的结果(目前和支付一样逻辑，但是不知道以后会不会改)
+      def self.draw_result(resp_code, tran_state)
+        case resp_code
+        when 'S0000000'
+          case tran_state
+          when '01'
+            return 'S'
+          when '03'
+            return 'F'
+          else
+            return 'P'
+          end
+        when 'E0000000' # jyt 处理中
+          return 'P'
+        else
+          return 'F'
+        end
+      end # self.pay_result
+
+    end
+  end # Http
+end # JytPay

data/lib/jyt_pay/sign/rsa.rb

@@ -0,0 +1,14 @@
+# coding: utf-8
+module JytPay
+  module Sign
+    module Rsa
+
+      def self.sign(rsa_private_key, str)
+        digest = OpenSSL::Digest::SHA1.new
+        signature_orig = rsa_private_key.sign(digest, str)
+        signature_orig.unpack('H*')[0]
+      end
+
+    end
+  end
+end

data/lib/jyt_pay/utils.rb

@@ -0,0 +1,42 @@
+# coding: utf-8
+
+# 通用工具类方法
+
+module JytPay
+  module Utils
+
+    # 把 hash 中的 key，都转化为 symbol 类型
+    #
+    # @param hash [Hash] 需要更改的 hash
+    # @return [Hash] 更改后的 hash
+    def self.symbolize_keys(hash)
+      new_hash = {}
+      hash.each do |key, value|
+        new_hash[(key.to_sym rescue key) || key] = value
+      end
+      new_hash
+    end
+
+    # 通过时间，返回唯一一个24位flow id（支持分布）
+    # 同一秒，同一台机器，同一个进程，最多可以产生 16777214 个不一样的订单号
+    #
+    # @example
+    #   JytPay::Utils.gen_flow_id
+    #
+    # @param [ Integer ] 时间（默认是 now）
+    #
+    # @return [ String ] flow id
+    #
+    def self.gen_flow_id(time=Time.now)
+      machine_id = Digest::MD5.digest(::Mac.addr).unpack("N")[0]
+      process_id = Process.pid % 0xFFFF
+
+      @counter ||= 0
+      @counter += 1
+      count = (@counter) % 0xFFFFFF
+
+      return [ time.to_i, machine_id, process_id, count << 8 ].pack("N NX lXX NX").unpack("H*")[0].force_encoding('UTF-8')
+    end
+
+  end
+end

data/lib/jyt_pay/version.rb

@@ -0,0 +1,3 @@
+module JytPay
+  VERSION = "0.1.0"
+end