account_book/app/Services/OutService.php

<?php

namespace App\Services;

use App\Libs\AppException;
use App\Models\MchApp;

class OutService
{

    /**
     * 生成签名
     * @param  array  $params
     * @param  string  $secretKey
     * @return string
     */
    private function makeSign(array $params, string $secretKey): string
    {
        ksort($params);

        $signStr = '';

        foreach ($params as $key => $value) {
            if ($value === null || $value === '' || $key === 'sign') {
                continue;
            }
            if ($signStr) {
                $signStr .= '&';
            }
            $signStr .= $key.'='.$value;
        }

        $signStr .= '&key='.$secretKey;
        $sign = md5($signStr);

        return strtoupper($sign);
    }

    /**
     * 时间戳偏差校验
     * @throws AppException
     */
    private function checkRequestTime(int $requestTime): void
    {
        if (abs(time() - $requestTime / 1000) > 300) {
            throw new AppException('时间戳相差大于300秒');
        }
    }

    /**
     * 渠道编码校验
     * @throws AppException
     */
    private function checkIfCode(string $ifCode): void
    {
        if ($ifCode !== 'alipay') {
            throw new AppException('渠道编码固定为：alipay');
        }
    }

    /**
     * 接口版本号校验
     * @throws AppException
     */
    private function checkVersion(string $version): void
    {
        if ($version !== '1.0') {
            throw new AppException('接口版本号固定为：1.0');
        }
    }

    /**
     * 签名类型校验
     * @throws AppException
     */
    private function checkSignType(string $signType): void
    {
        if ($signType !== 'MD5') {
            throw new AppException('签名类型固定为：MD5');
        }
    }

    /**
     * 校验签名
     * @throws AppException
     */
    private function checkSign(array $params, string $secretKey): void
    {
        if (empty($params['sign'])) {
            throw new AppException('签名缺失');
        }

        $checkSign = $this->makeSign($params, $secretKey);

        if ($checkSign !== $params['sign']) {
            throw new AppException('签名不匹配');
        }
    }

    /**
     * 根据商户号和应用ID获取应用
     * @throws AppException
     */
    private function getMchApp(string $mchNo, string $appId): MchApp
    {
        $app = MchApp::query()
            ->where('mch_no', $mchNo)
            ->where('app_id', $appId)
            ->first();

        if (empty($app)) {
            throw new AppException('应用不存在');
        }

        if (empty($app->account_book_id)) {
            throw new AppException('还未开通记账本');
        }

        return $app;
    }

    /**
     * 查询记账本余额
     * @param  array  $params
     * @return array
     * @throws AppException
     */
    public function queryBalance(array $params): array
    {
        $this->checkRequestTime($params['reqTime']);
        $this->checkIfCode($params['ifCode']);
        $this->checkVersion($params['version']);
        $this->checkSignType($params['signType']);

        $mchApp = $this->getMchApp($params['mchNo'], $params['appId']);

        $this->checkSign($params, $mchApp->secret_key);

        // TODO mock
        $data = [
            'availableAmount' => 700,
        ];

        $sign = $this->makeSign($data, $mchApp->secret_key);

        return [$data, $sign];
    }

    /**
     * 单笔转账
     * @param  array  $params
     * @return array
     * @throws AppException
     */
    public function transferOrder(array $params): array
    {
        $this->checkRequestTime($params['reqTime']);
        $this->checkIfCode($params['ifCode']);
        $this->checkVersion($params['version']);
        $this->checkSignType($params['signType']);

        $mchApp = $this->getMchApp($params['mchNo'], $params['appId']);

        $this->checkSign($params, $mchApp->secret_key);

        // TODO mock
        $data = [
            'accountName'    => '广西拉米信息科技有限公司',
            'accountNo'      => '3858074971@qq.com',
            'amount'         => 300,
            'channelOrderNo' => '20250825020070011530820074021763',
            'mchOrderNo'     => 'P00000000000000000010',
            'state'          => 1,
            'transferId'     => 'T1708316875559008'
        ];

        $sign = $this->makeSign($data, $mchApp->secret_key);

        return [$data, $sign];
    }

    /**
     * 转账查询
     * @param  array  $params
     * @return array
     * @throws AppException
     */
    public function transferQuery(array $params): array
    {
        $this->checkRequestTime($params['reqTime']);
        $this->checkVersion($params['version']);
        $this->checkSignType($params['signType']);

        $mchApp = $this->getMchApp($params['mchNo'], $params['appId']);

        $this->checkSign($params, $mchApp->secret_key);

        // TODO mock
        $data = [
            'accountName'    => '广西拉米信息科技有限公司',
            'accountNo'      => '3858074971@qq.com',
            'amount'         => 300,
            'appId'          => '664714f9e4b078d6ee5d0007',
            'channelOrderNo' => '20250825020070011530820074021763',
            'createdAt'      => 1756092887724,
            'currency'       => 'cny',
            'entryType'      => 'ALIPAY_CASH',
            'ifCode'         => 'alipay',
            'mchNo'          => 'M1715934457',
            'mchOrderNo'     => 'P00000000000000000010',
            'state'          => 2,
            'successTime'    => 1756092888000,
            'transferDesc'   => '提现到账3.00元',
            'transferId'     => 'T1708316875559008'
        ];

        $sign = $this->makeSign($data, $mchApp->secret_key);

        return [$data, $sign];
    }
}