Module: ChanPay::Api::WithholdPay

Included in:
Client
Defined in:
lib/chan_pay/api/withhold_pay.rb

Constant Summary collapse

SERVICE_NAME = 
'nmg_api_quickpay_withhold'

Instance Method Summary collapse

Instance Method Details

#withhold_pay(flow_id, card_id, identity_id, true_name, phone, money) ⇒ Hash

快捷代扣

Parameters:

  • flow_id (String) —

    订单号（需要保证唯一）

  • card_id (String) —

    支付银行卡号

  • identity_id (String) —

    身份证号

  • true_name (String) —

    真实姓名

  • phone (String) —

    银行卡预留手机号

  • money (String) —

    支付金额（单位：元，精确到 2 位小数点）

Returns:

  • (Hash) —

    返回结果集



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# File 'lib/chan_pay/api/withhold_pay.rb', line 22

def withhold_pay(flow_id, card_id, identity_id, true_name, phone, money)

  params = {
    :TrxId => flow_id.to_s, # 最长 32 位唯一订单号
    :OrdrName => '快捷充值', # 商品名称
    :SellerId => @seller_id, # 畅捷提供的商户编号
    :ExpiredTime => '90m', # 订单有效期
    :BkAcctNo => card_id, # 卡号，需要 rsa 加密
    :IDTp => '01', # 证件类型，01 身份证
    :IDNo => identity_id, # 证件号，rsa 加密
    :CstmrNm => true_name, # 持卡人姓名，rsa 加密
    :MobNo => phone, # 银行预留手机号，rsa 加密
    :TradeType => '11', # 交易类型（即时 11 担保 12）
    :TrxAmt => money.to_s, # 交易金额
    # 'NotifyUrl' => '', # 异步通知地址，可空
    # 'Extension' => '', # 扩展字段，可空
  }

  # 这里是明文参数输出
  puts "\n[#{SERVICE_NAME}] 请求参数为：\n#{params.inspect}"

  # 敏感字段加密
  params[:BkAcctNo] = Encrypt::RSA.encrypt(@public_key, card_id)
  params[:IDNo]     = Encrypt::RSA.encrypt(@public_key, identity_id)
  params[:CstmrNm]  = Encrypt::RSA.encrypt(@public_key, true_name)
  params[:MobNo]    = Encrypt::RSA.encrypt(@public_key, phone)

  response = Http.post(@partner_id, @private_key, @public_key, @server_uri, SERVICE_NAME, params)

  res = {
    result: 'P', # 默认 pending
    msg: response[:RetMsg],
    ret_code: response[:RetCode],
    flow_id: flow_id,
    vendor_order_id: response[:OrderTrxid],
    extension: response[:Extension],
    log: [params.to_json, response.to_json],
  }

  # 受理失败 || 受理成功但是结果失败
  if response[:AcceptStatus] == 'F' || (response[:AcceptStatus] == 'S' && response[:Status] == 'F')
    res[:result] = 'F'
  end

  # 受理成功并且结果成功，才是成功
  if response[:AcceptStatus] == 'S' && response[:Status] == 'S'
    res[:result] = 'S'
  end

  res
end