#392 微信支付增加企业付款到银行卡的相关接口

weixin-java-pay/src/main/java/com/github/binarywang/wxpay/service/EntPaySerivce.java

@@ -1,45 +0,0 @@
-package com.github.binarywang.wxpay.service;
-
-import com.github.binarywang.wxpay.bean.entpay.EntPayQueryResult;
-import com.github.binarywang.wxpay.bean.entpay.EntPayRequest;
-import com.github.binarywang.wxpay.bean.entpay.EntPayResult;
-import com.github.binarywang.wxpay.bean.request.WxEntPayRequest;
-import com.github.binarywang.wxpay.bean.result.WxEntPayQueryResult;
-import com.github.binarywang.wxpay.bean.result.WxEntPayResult;
-import com.github.binarywang.wxpay.exception.WxPayException;
-
-/**
- * <pre>
- *     企业付款相关服务类
- *  Created by BinaryWang on 2017/12/19.
- * </pre>
- *
- * @author <a href="https://github.com/binarywang">Binary Wang</a>
- */
-public interface EntPaySerivce {
-  /**
-   * <pre>
-   * 企业付款业务是基于微信支付商户平台的资金管理能力，为了协助商户方便地实现企业向个人付款，针对部分有开发能力的商户，提供通过API完成企业付款的功能。
-   * 比如目前的保险行业向客户退保、给付、理赔。
-   * 企业付款将使用商户的可用余额，需确保可用余额充足。查看可用余额、充值、提现请登录商户平台“资金管理”https://pay.weixin.qq.com/进行操作。
-   * 注意：与商户微信支付收款资金并非同一账户，需要单独充值。
-   * 文档详见:https://pay.weixin.qq.com/wiki/doc/api/tools/mch_pay.php?chapter=14_2
-   * 接口链接：https://api.mch.weixin.qq.com/mmpaymkttransfers/promotion/transfers
-   * </pre>
-   *
-   * @param request 请求对象
-   */
-  EntPayResult entPay(EntPayRequest request) throws WxPayException;
-
-  /**
-   * <pre>
-   * 查询企业付款API
-   * 用于商户的企业付款操作进行结果查询，返回付款操作详细结果。
-   * 文档详见:https://pay.weixin.qq.com/wiki/doc/api/tools/mch_pay.php?chapter=14_3
-   * 接口链接：https://api.mch.weixin.qq.com/mmpaymkttransfers/gettransferinfo
-   * </pre>
-   *
-   * @param partnerTradeNo 商户订单号
-   */
-  EntPayQueryResult queryEntPay(String partnerTradeNo) throws WxPayException;
-}

weixin-java-pay/src/main/java/com/github/binarywang/wxpay/service/EntPayService.java

@@ -0,0 +1,72 @@
+package com.github.binarywang.wxpay.service;
+
+import com.github.binarywang.wxpay.bean.entpay.*;
+import com.github.binarywang.wxpay.exception.WxPayException;
+
+/**
+ * <pre>
+ *  企业付款相关服务类.
+ *  Created by BinaryWang on 2017/12/19.
+ * </pre>
+ *
+ * @author <a href="https://github.com/binarywang">Binary Wang</a>
+ */
+public interface EntPayService {
+  /**
+   * <pre>
+   * 企业付款API.
+   * 企业付款业务是基于微信支付商户平台的资金管理能力，为了协助商户方便地实现企业向个人付款，针对部分有开发能力的商户，提供通过API完成企业付款的功能。
+   * 比如目前的保险行业向客户退保、给付、理赔。
+   * 企业付款将使用商户的可用余额，需确保可用余额充足。查看可用余额、充值、提现请登录商户平台“资金管理”https://pay.weixin.qq.com/进行操作。
+   * 注意：与商户微信支付收款资金并非同一账户，需要单独充值。
+   * 文档详见: https://pay.weixin.qq.com/wiki/doc/api/tools/mch_pay.php?chapter=14_2
+   * 接口链接：https://api.mch.weixin.qq.com/mmpaymkttransfers/promotion/transfers
+   * </pre>
+   *
+   * @param request 请求对象
+   */
+  EntPayResult entPay(EntPayRequest request) throws WxPayException;
+
+  /**
+   * <pre>
+   * 查询企业付款API.
+   * 用于商户的企业付款操作进行结果查询，返回付款操作详细结果。
+   * 文档详见:https://pay.weixin.qq.com/wiki/doc/api/tools/mch_pay.php?chapter=14_3
+   * 接口链接：https://api.mch.weixin.qq.com/mmpaymkttransfers/gettransferinfo
+   * </pre>
+   *
+   * @param partnerTradeNo 商户订单号
+   */
+  EntPayQueryResult queryEntPay(String partnerTradeNo) throws WxPayException;
+
+  /**
+   * <pre>
+   * 获取RSA加密公钥API.
+   * RSA算法使用说明（非对称加密算法，算法采用RSA/ECB/OAEPPadding模式）
+   * 1、 调用获取RSA公钥API获取RSA公钥，落地成本地文件，假设为public.pem
+   * 2、 确定public.pem文件的存放路径，同时修改代码中文件的输入路径，加载RSA公钥
+   * 3、 用标准的RSA加密库对敏感信息进行加密，选择RSA_PKCS1_OAEP_PADDING填充模式
+   * （eg：Java的填充方式要选 " RSA/ECB/OAEPWITHSHA-1ANDMGF1PADDING"）
+   * 4、 得到进行rsa加密并转base64之后的密文
+   * 5、 将密文传给微信侧相应字段，如付款接口（enc_bank_no/enc_true_name）
+   *
+   * 接口默认输出PKCS#1格式的公钥，商户需根据自己开发的语言选择公钥格式
+   * 文档详见:https://pay.weixin.qq.com/wiki/doc/api/tools/mch_pay.php?chapter=24_7&index=4
+   * 接口链接：https://fraud.mch.weixin.qq.com/risk/getpublickey
+   * </pre>
+   */
+  String getPublicKey() throws WxPayException;
+
+  /**
+   * 企业付款到银行卡.
+   * <pre>
+   * 用于企业向微信用户银行卡付款
+   * 目前支持接口API的方式向指定微信用户的银行卡付款。
+   * 文档详见：https://pay.weixin.qq.com/wiki/doc/api/tools/mch_pay.php?chapter=24_2
+   * 接口链接：https://api.mch.weixin.qq.com/mmpaysptrans/pay_bank
+   * </pre>
+   *
+   * @param request 请求对象
+   */
+  EntPayBankResult payToBankCard(EntPayBankRequest request) throws WxPayException;
+}

weixin-java-pay/src/main/java/com/github/binarywang/wxpay/service/WxPayService.java

@@ -2,9 +2,7 @@ package com.github.binarywang.wxpay.service;
 
 import com.github.binarywang.wxpay.bean.WxPayApiData;
 import com.github.binarywang.wxpay.bean.coupon.*;
-import com.github.binarywang.wxpay.bean.entpay.EntPayQueryResult;
 import com.github.binarywang.wxpay.bean.entpay.EntPayRequest;
-import com.github.binarywang.wxpay.bean.entpay.EntPayResult;
 import com.github.binarywang.wxpay.bean.notify.WxPayOrderNotifyResult;
 import com.github.binarywang.wxpay.bean.notify.WxPayRefundNotifyResult;
 import com.github.binarywang.wxpay.bean.request.*;
@@ -54,12 +52,12 @@ public interface WxPayService {
   /**
    * 获取企业付款服务类
    */
-  EntPaySerivce getEntPaySerivce();
+  EntPayService getEntPayService();
 
   /**
    * 设置企业付款服务类，允许开发者自定义实现类
    */
-  void setEntPaySerivce(EntPaySerivce entPaySerivce);
+  void setEntPayService(EntPayService entPayService);
 
   /**
    * <pre>
@@ -211,13 +209,13 @@ public interface WxPayService {
   WxPayRedpackQueryResult queryRedpack(String mchBillNo) throws WxPayException;
 
   /**
-   * 请使用this.getEntPayService().entPay()方法{@link EntPaySerivce#entPay(EntPayRequest)}
+   * 请使用this.getEntPayService().entPay()方法{@link EntPayService#entPay(EntPayRequest)}
    */
   @Deprecated
   WxEntPayResult entPay(WxEntPayRequest request) throws WxPayException;
 
   /**
-   * 请使用this.getEntPayService().queryEntPay()方法 {@link EntPaySerivce#queryEntPay(String)}
+   * 请使用this.getEntPayService().queryEntPay()方法 {@link EntPayService#queryEntPay(String)}
    */
   @Deprecated
   WxEntPayQueryResult queryEntPay(String partnerTradeNo) throws WxPayException;

weixin-java-pay/src/main/java/com/github/binarywang/wxpay/service/impl/BaseWxPayServiceImpl.java

@@ -3,8 +3,6 @@ package com.github.binarywang.wxpay.service.impl;
 import com.github.binarywang.utils.qrcode.QrcodeUtils;
 import com.github.binarywang.wxpay.bean.WxPayApiData;
 import com.github.binarywang.wxpay.bean.coupon.*;
-import com.github.binarywang.wxpay.bean.entpay.EntPayQueryResult;
-import com.github.binarywang.wxpay.bean.entpay.EntPayResult;
 import com.github.binarywang.wxpay.bean.notify.WxPayOrderNotifyResult;
 import com.github.binarywang.wxpay.bean.notify.WxPayRefundNotifyResult;
 import com.github.binarywang.wxpay.bean.order.WxPayAppOrderResult;
@@ -17,7 +15,7 @@ import com.github.binarywang.wxpay.constant.WxPayConstants.BillType;
 import com.github.binarywang.wxpay.constant.WxPayConstants.SignType;
 import com.github.binarywang.wxpay.constant.WxPayConstants.TradeType;
 import com.github.binarywang.wxpay.exception.WxPayException;
-import com.github.binarywang.wxpay.service.EntPaySerivce;
+import com.github.binarywang.wxpay.service.EntPayService;
 import com.github.binarywang.wxpay.service.WxPayService;
 import com.github.binarywang.wxpay.util.SignUtils;
 import com.google.common.base.Joiner;
@@ -52,18 +50,18 @@ public abstract class BaseWxPayServiceImpl implements WxPayService {
   protected final Logger log = LoggerFactory.getLogger(this.getClass());
   protected static ThreadLocal<WxPayApiData> wxApiData = new ThreadLocal<>();
 
-  private EntPaySerivce entPaySerivce = new EntPayServiceImpl(this);
+  private EntPayService entPayService = new EntPayServiceImpl(this);
 
   protected WxPayConfig config;
 
   @Override
-  public EntPaySerivce getEntPaySerivce() {
-    return entPaySerivce;
+  public EntPayService getEntPayService() {
+    return entPayService;
   }
 
   @Override
-  public void setEntPaySerivce(EntPaySerivce entPaySerivce) {
-    this.entPaySerivce = entPaySerivce;
+  public void setEntPayService(EntPayService entPayService) {
+    this.entPayService = entPayService;
   }
 
   @Override
@@ -87,7 +85,7 @@ public abstract class BaseWxPayServiceImpl implements WxPayService {
 
   @Override
   public WxPayRefundResult refund(WxPayRefundRequest request) throws WxPayException {
-    request.checkAndSign(this.getConfig(), false);
+    request.checkAndSign(this.getConfig());
 
     String url = this.getPayBaseUrl() + "/secapi/pay/refund";
     String responseContent = this.post(url, request.toXML(), true);
@@ -105,7 +103,7 @@ public abstract class BaseWxPayServiceImpl implements WxPayService {
     request.setOutRefundNo(StringUtils.trimToNull(outRefundNo));
     request.setRefundId(StringUtils.trimToNull(refundId));
 
-    request.checkAndSign(this.getConfig(), false);
+    request.checkAndSign(this.getConfig());
 
     String url = this.getPayBaseUrl() + "/pay/refundquery";
     String responseContent = this.post(url, request.toXML(), false);
@@ -153,7 +151,7 @@ public abstract class BaseWxPayServiceImpl implements WxPayService {
 
   @Override
   public WxPaySendRedpackResult sendRedpack(WxPaySendRedpackRequest request) throws WxPayException {
-    request.checkAndSign(this.getConfig(), false);
+    request.checkAndSign(this.getConfig());
 
     String url = this.getPayBaseUrl() + "/mmpaymkttransfers/sendredpack";
     if (request.getAmtType() != null) {
@@ -171,7 +169,7 @@ public abstract class BaseWxPayServiceImpl implements WxPayService {
     WxPayRedpackQueryRequest request = new WxPayRedpackQueryRequest();
     request.setMchBillNo(mchBillNo);
     request.setBillType(BillType.MCHT);
-    request.checkAndSign(this.getConfig(), false);
+    request.checkAndSign(this.getConfig());
 
     String url = this.getPayBaseUrl() + "/mmpaymkttransfers/gethbinfo";
     String responseContent = this.post(url, request.toXML(), true);
@@ -185,7 +183,7 @@ public abstract class BaseWxPayServiceImpl implements WxPayService {
     WxPayOrderQueryRequest request = new WxPayOrderQueryRequest();
     request.setOutTradeNo(StringUtils.trimToNull(outTradeNo));
     request.setTransactionId(StringUtils.trimToNull(transactionId));
-    request.checkAndSign(this.getConfig(), false);
+    request.checkAndSign(this.getConfig());
 
     String url = this.getPayBaseUrl() + "/pay/orderquery";
     String responseContent = this.post(url, request.toXML(), false);
@@ -207,7 +205,7 @@ public abstract class BaseWxPayServiceImpl implements WxPayService {
 
     WxPayOrderCloseRequest request = new WxPayOrderCloseRequest();
     request.setOutTradeNo(StringUtils.trimToNull(outTradeNo));
-    request.checkAndSign(this.getConfig(), false);
+    request.checkAndSign(this.getConfig());
 
     String url = this.getPayBaseUrl() + "/pay/closeorder";
     String responseContent = this.post(url, request.toXML(), false);
@@ -289,7 +287,7 @@ public abstract class BaseWxPayServiceImpl implements WxPayService {
 
   @Override
   public WxPayUnifiedOrderResult unifiedOrder(WxPayUnifiedOrderRequest request) throws WxPayException {
-    request.checkAndSign(this.getConfig(), false);
+    request.checkAndSign(this.getConfig());
 
     String url = this.getPayBaseUrl() + "/pay/unifiedorder";
     String responseContent = this.post(url, request.toXML(), false);
@@ -350,13 +348,13 @@ public abstract class BaseWxPayServiceImpl implements WxPayService {
   @Override
   @Deprecated
   public WxEntPayResult entPay(WxEntPayRequest request) throws WxPayException {
-    return WxEntPayResult.createFrom(this.getEntPaySerivce().entPay(request));
+    return WxEntPayResult.createFrom(this.getEntPayService().entPay(request));
   }
 
   @Override
   @Deprecated
   public WxEntPayQueryResult queryEntPay(String partnerTradeNo) throws WxPayException {
-    return WxEntPayQueryResult.createFrom(this.getEntPaySerivce().queryEntPay(partnerTradeNo));
+    return WxEntPayQueryResult.createFrom(this.getEntPayService().queryEntPay(partnerTradeNo));
   }
 
   @Override
@@ -403,7 +401,7 @@ public abstract class BaseWxPayServiceImpl implements WxPayService {
 
   @Override
   public void report(WxPayReportRequest request) throws WxPayException {
-    request.checkAndSign(this.getConfig(), false);
+    request.checkAndSign(this.getConfig());
 
     String url = this.getPayBaseUrl() + "/payitil/report";
     String responseContent = this.post(url, request.toXML(), false);
@@ -423,7 +421,7 @@ public abstract class BaseWxPayServiceImpl implements WxPayService {
     request.setTarType(tarType);
     request.setDeviceInfo(deviceInfo);
 
-    request.checkAndSign(this.getConfig(), false);
+    request.checkAndSign(this.getConfig());
 
     String url = this.getPayBaseUrl() + "/pay/downloadbill";
 
@@ -547,7 +545,7 @@ public abstract class BaseWxPayServiceImpl implements WxPayService {
 
   @Override
   public WxPayMicropayResult micropay(WxPayMicropayRequest request) throws WxPayException {
-    request.checkAndSign(this.getConfig(), false);
+    request.checkAndSign(this.getConfig());
 
     String url = this.getPayBaseUrl() + "/pay/micropay";
     String responseContent = this.post(url, request.toXML(), false);
@@ -558,7 +556,7 @@ public abstract class BaseWxPayServiceImpl implements WxPayService {
 
   @Override
   public WxPayOrderReverseResult reverseOrder(WxPayOrderReverseRequest request) throws WxPayException {
-    request.checkAndSign(this.getConfig(), false);
+    request.checkAndSign(this.getConfig());
 
     String url = this.getPayBaseUrl() + "/secapi/pay/reverse";
     String responseContent = this.post(url, request.toXML(), true);
@@ -569,7 +567,7 @@ public abstract class BaseWxPayServiceImpl implements WxPayService {
 
   @Override
   public String shorturl(WxPayShorturlRequest request) throws WxPayException {
-    request.checkAndSign(this.getConfig(), false);
+    request.checkAndSign(this.getConfig());
 
     String url = this.getPayBaseUrl() + "/tools/shorturl";
     String responseContent = this.post(url, request.toXML(), false);
@@ -585,7 +583,7 @@ public abstract class BaseWxPayServiceImpl implements WxPayService {
 
   @Override
   public String authcode2Openid(WxPayAuthcode2OpenidRequest request) throws WxPayException {
-    request.checkAndSign(this.getConfig(), false);
+    request.checkAndSign(this.getConfig());
 
     String url = this.getPayBaseUrl() + "/tools/authcodetoopenid";
     String responseContent = this.post(url, request.toXML(), false);
@@ -602,7 +600,7 @@ public abstract class BaseWxPayServiceImpl implements WxPayService {
   @Override
   public String getSandboxSignKey() throws WxPayException {
     WxPayDefaultRequest request = new WxPayDefaultRequest();
-    request.checkAndSign(this.getConfig(), false);
+    request.checkAndSign(this.getConfig());
 
     String url = "https://api.mch.weixin.qq.com/sandboxnew/pay/getsignkey";
     String responseContent = this.post(url, request.toXML(), false);
@@ -613,7 +611,7 @@ public abstract class BaseWxPayServiceImpl implements WxPayService {
 
   @Override
   public WxPayCouponSendResult sendCoupon(WxPayCouponSendRequest request) throws WxPayException {
-    request.checkAndSign(this.getConfig(), false);
+    request.checkAndSign(this.getConfig());
 
     String url = this.getPayBaseUrl() + "/mmpaymkttransfers/send_coupon";
     String responseContent = this.post(url, request.toXML(), true);
@@ -624,7 +622,7 @@ public abstract class BaseWxPayServiceImpl implements WxPayService {
 
   @Override
   public WxPayCouponStockQueryResult queryCouponStock(WxPayCouponStockQueryRequest request) throws WxPayException {
-    request.checkAndSign(this.getConfig(), false);
+    request.checkAndSign(this.getConfig());
 
     String url = this.getPayBaseUrl() + "/mmpaymkttransfers/query_coupon_stock";
     String responseContent = this.post(url, request.toXML(), false);
@@ -635,7 +633,7 @@ public abstract class BaseWxPayServiceImpl implements WxPayService {
 
   @Override
   public WxPayCouponInfoQueryResult queryCouponInfo(WxPayCouponInfoQueryRequest request) throws WxPayException {
-    request.checkAndSign(this.getConfig(), false);
+    request.checkAndSign(this.getConfig());
 
     String url = this.getPayBaseUrl() + "/mmpaymkttransfers/querycouponsinfo";
     String responseContent = this.post(url, request.toXML(), false);
@@ -664,7 +662,7 @@ public abstract class BaseWxPayServiceImpl implements WxPayService {
     request.setLimit(limit);
     request.setSignType(SignType.HMAC_SHA256);
 
-    request.checkAndSign(this.getConfig(), true);
+    request.checkAndSign(this.getConfig());
 
     String url = this.getPayBaseUrl() + "/billcommentsp/batchquerycomment";
 

weixin-java-pay/src/main/java/com/github/binarywang/wxpay/service/impl/EntPayServiceImpl.java

@@ -1,13 +1,25 @@
 package com.github.binarywang.wxpay.service.impl;
 
-import com.github.binarywang.wxpay.bean.entpay.EntPayQueryRequest;
-import com.github.binarywang.wxpay.bean.entpay.EntPayQueryResult;
-import com.github.binarywang.wxpay.bean.entpay.EntPayRequest;
-import com.github.binarywang.wxpay.bean.entpay.EntPayResult;
+import com.github.binarywang.wxpay.bean.entpay.*;
+import com.github.binarywang.wxpay.bean.request.WxPayDefaultRequest;
 import com.github.binarywang.wxpay.bean.result.BaseWxPayResult;
 import com.github.binarywang.wxpay.exception.WxPayException;
-import com.github.binarywang.wxpay.service.EntPaySerivce;
+import com.github.binarywang.wxpay.service.EntPayService;
 import com.github.binarywang.wxpay.service.WxPayService;
+import com.github.binarywang.wxpay.util.SignUtils;
+import org.apache.commons.codec.binary.Base64;
+import org.bouncycastle.jce.provider.BouncyCastleProvider;
+import org.bouncycastle.jce.provider.JCERSAPublicKey;
+import org.bouncycastle.openssl.PEMReader;
+import org.bouncycastle.openssl.PasswordFinder;
+
+import javax.crypto.Cipher;
+import java.io.File;
+import java.io.FileReader;
+import java.io.IOException;
+import java.nio.file.Files;
+import java.nio.file.Path;
+import java.security.Security;
 
 /**
  * <pre>
@@ -16,7 +28,7 @@ import com.github.binarywang.wxpay.service.WxPayService;
  *
  * @author <a href="https://github.com/binarywang">Binary Wang</a>
  */
-public class EntPayServiceImpl implements EntPaySerivce {
+public class EntPayServiceImpl implements EntPayService {
   private WxPayService payService;
 
   public EntPayServiceImpl(WxPayService payService) {
@@ -25,7 +37,7 @@ public class EntPayServiceImpl implements EntPaySerivce {
 
   @Override
   public EntPayResult entPay(EntPayRequest request) throws WxPayException {
-    request.checkAndSign(this.payService.getConfig(), false);
+    request.checkAndSign(this.payService.getConfig());
     String url = this.payService.getPayBaseUrl() + "/mmpaymkttransfers/promotion/transfers";
 
     String responseContent = this.payService.post(url, request.toXML(), true);
@@ -38,7 +50,7 @@ public class EntPayServiceImpl implements EntPaySerivce {
   public EntPayQueryResult queryEntPay(String partnerTradeNo) throws WxPayException {
     EntPayQueryRequest request = new EntPayQueryRequest();
     request.setPartnerTradeNo(partnerTradeNo);
-    request.checkAndSign(this.payService.getConfig(), false);
+    request.checkAndSign(this.payService.getConfig());
 
     String url = this.payService.getPayBaseUrl() + "/mmpaymkttransfers/gettransferinfo";
     String responseContent = this.payService.post(url, request.toXML(), true);
@@ -47,4 +59,82 @@ public class EntPayServiceImpl implements EntPaySerivce {
     return result;
   }
 
+  @Override
+  public String getPublicKey() throws WxPayException {
+    WxPayDefaultRequest request = new WxPayDefaultRequest();
+    request.setMchId(this.payService.getConfig().getMchId());
+    request.setNonceStr(String.valueOf(System.currentTimeMillis()));
+    request.setSign(SignUtils.createSign(request, null, this.payService.getConfig().getMchKey(),
+      true));
+
+    String url = "https://fraud.mch.weixin.qq.com/risk/getpublickey";
+    String responseContent = this.payService.post(url, request.toXML(), true);
+    GetPublicKeyResult result = BaseWxPayResult.fromXML(responseContent, GetPublicKeyResult.class);
+    result.checkResult(this.payService, request.getSignType(), true);
+    return result.getPubKey();
+  }
+
+  @Override
+  public EntPayBankResult payToBankCard(EntPayBankRequest request) throws WxPayException {
+    File publicKeyFile = this.buildPublicKeyFile();
+    request.setEncBankNo(this.encryptRSA(publicKeyFile, request.getEncBankNo()));
+    request.setEncTrueName(this.encryptRSA(publicKeyFile, request.getEncTrueName()));
+    publicKeyFile.deleteOnExit();
+
+    request.checkAndSign(this.payService.getConfig());
+
+    String url = this.payService.getPayBaseUrl() + "/mmpaysptrans/pay_bank";
+    String responseContent = this.payService.post(url, request.toXML(), true);
+    EntPayBankResult result = BaseWxPayResult.fromXML(responseContent, EntPayBankResult.class);
+    result.checkResult(this.payService, request.getSignType(), true);
+    return result;
+  }
+
+  private String encryptRSA(File publicKeyFile, String srcString) throws WxPayException {
+    try {
+      Security.addProvider(new BouncyCastleProvider());
+      Cipher cipher = Cipher.getInstance("RSA/ECB/OAEPWithSHA1AndMGF1Padding");
+      PasswordFinder passwordFinder = new PasswordFinder() {
+        @Override
+        public char[] getPassword() {
+          return "".toCharArray();
+        }
+      };
+
+      try (PEMReader reader = new PEMReader(new FileReader(publicKeyFile), passwordFinder)) {
+        JCERSAPublicKey publicKey = (JCERSAPublicKey) reader.readObject();
+        cipher.init(Cipher.ENCRYPT_MODE, publicKey);
+        byte[] encrypt = cipher.doFinal(srcString.getBytes());
+        return Base64.encodeBase64String(encrypt);
+      }
+    } catch (Exception e) {
+      throw new WxPayException("加密出错", e);
+    }
+  }
+
+  private File buildPublicKeyFile() throws WxPayException {
+    try {
+      String publicKeyStr = this.getPublicKey();
+      Path tmpFile = Files.createTempFile("payToBank", ".pem");
+      Files.write(tmpFile, publicKeyStr.getBytes());
+      return tmpFile.toFile();
+    } catch (Exception e) {
+      throw new WxPayException("生成加密公钥文件时发生异常", e);
+    }
+  }
+
+  public static void main(String[] args) throws WxPayException, IOException {
+    String key = "-----BEGIN RSA PUBLIC KEY-----\n" +
+      "MIIBCgKCAQEAtEeUSop/YGqZ53Y++R9NapFSZmorj+SL/brmJUU7+hyClEnPOeG/\n" +
+      "v6/ZrX9qo25JAojrBDbqaW9L+HtzI141vusarRYIGPvVqTV30L5db0Yq7AmX7Hs9\n" +
+      "s+nEtoMAwMWUzQPXLUs2mt6rpu85HwAIK3F4Xb+OFIbXCJTbDvWYtQssn07lr+IY\n" +
+      "jPA00sON71egmuRrCoQClkhf0vgrhj7eHUCRZRJ2zf4UU31fHv+kO441hVD5TTP8\n" +
+      "bjJvFm6TW3sgQE8aCDbomtu+syk4Tv/4ONCqxG8d/kF1TlU+idGWEU179uR/KSjP\n" +
+      "p7kM7BoaY2goFgYAe4DsI8Fh33dCOiKyVwIDAQAB\n" +
+      "-----END RSA PUBLIC KEY-----";
+    Path tmpFile = Files.createTempFile("payToBank", ".pem");
+    Files.write(tmpFile, key.getBytes());
+    System.out.println(new EntPayServiceImpl(null).encryptRSA(tmpFile.toFile(), "111111"));
+  }
+
 }