添加文件: hb/client.go
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package hb
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import (
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"context"
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"fmt"
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"io"
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"net/http"
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"net/url"
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"strings"
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)
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// Client 手机支付平台客户端
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type Client struct {
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merchantId string // 商户编号
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signKey string // 商户密钥（MD5签名使用）
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privateKeyPEM string // 商户RSA私钥（RSA签名使用）
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baseURL string // 接口基础URL
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httpClient *http.Client
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}
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// ClientOption 客户端配置选项
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type ClientOption func(*Client)
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// WithSignKey 设置MD5签名密钥
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func WithSignKey(signKey string) ClientOption {
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return func(c *Client) {
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c.signKey = signKey
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}
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}
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// WithPrivateKey 设置RSA私钥（PEM格式）
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func WithPrivateKey(privateKeyPEM string) ClientOption {
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return func(c *Client) {
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c.privateKeyPEM = privateKeyPEM
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}
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}
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// WithBaseURL 设置接口基础URL
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func WithBaseURL(baseURL string) ClientOption {
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return func(c *Client) {
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c.baseURL = baseURL
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}
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}
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// WithHTTPClient 设置自定义HTTP客户端
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func WithHTTPClient(httpClient *http.Client) ClientOption {
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return func(c *Client) {
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c.httpClient = httpClient
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}
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}
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// NewClient 创建新的手机支付平台客户端
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// merchantId: 商户编号
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// opts: 配置选项
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func NewClient(merchantId string, opts ...ClientOption) (*Client, error) {
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if merchantId == "" {
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return nil, ErrMerchantIdEmpty
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}
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c := &Client{
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merchantId: merchantId,
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baseURL: "https://ipos.10086.cn",
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httpClient: &http.Client{},
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}
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for _, opt := range opts {
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opt(c)
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}
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return c, nil
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}
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// Refund 退款接口
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// 通过中国移动手机支付渠道，将已成功交易的款项退还给用户
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func (c *Client) Refund(ctx context.Context, req *RefundRequest) (*RefundResponse, error) {
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if req == nil {
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return nil, fmt.Errorf("request cannot be nil")
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}
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// 设置固定参数
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req.MerchantId = c.merchantId
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req.Type = InterfaceTypeOrderRefund
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req.Version = Version
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// 参数校验
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if req.RequestId == "" {
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return nil, ErrRequestIdEmpty
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}
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if req.OrderId == "" {
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return nil, ErrOrderIdEmpty
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}
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if req.Amount == "" {
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return nil, ErrAmountEmpty
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}
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if req.SignType == "" {
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return nil, ErrSignTypeInvalid
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}
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if req.SignType != SignTypeMD5 && req.SignType != SignTypeRSA {
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return nil, ErrSignTypeInvalid
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}
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// 生成签名
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hmac, err := c.generateRequestSign(req)
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if err != nil {
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return nil, fmt.Errorf("generate sign failed: %w", err)
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}
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req.Hmac = hmac
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// 构建请求参数
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params := c.buildRequestParams(req)
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// 发送请求
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resp, err := c.doPost(ctx, params)
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if err != nil {
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return nil, err
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}
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// 验证响应签名
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if err := c.verifyResponseSign(resp); err != nil {
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return nil, err
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}
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return resp, nil
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}
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// generateRequestSign 生成请求签名
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func (c *Client) generateRequestSign(req *RefundRequest) (string, error) {
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// 构建参数字典
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params := map[string]string{
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"merchantId": req.MerchantId,
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"requestId": req.RequestId,
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"signType": req.SignType,
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"type": req.Type,
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"version": req.Version,
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"orderId": req.OrderId,
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"amount": req.Amount,
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}
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// 按文档指定顺序拼接签名串
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signStr := buildSignString(params, getRequestSignKeys())
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switch req.SignType {
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case SignTypeMD5:
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if c.signKey == "" {
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return "", ErrSignKeyEmpty
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}
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return SignMD5(signStr, c.signKey), nil
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case SignTypeRSA:
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if c.privateKeyPEM == "" {
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return "", ErrPrivateKeyInvalid
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}
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return SignRSA(signStr, c.privateKeyPEM)
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default:
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return "", ErrSignTypeInvalid
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}
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}
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// buildRequestParams 构建请求参数（用于HTTP请求）
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func (c *Client) buildRequestParams(req *RefundRequest) url.Values {
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params := url.Values{}
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params.Set("merchantId", req.MerchantId)
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params.Set("requestId", req.RequestId)
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params.Set("signType", req.SignType)
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params.Set("type", req.Type)
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params.Set("version", req.Version)
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params.Set("orderId", req.OrderId)
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params.Set("amount", req.Amount)
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params.Set("hmac", req.Hmac)
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return params
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}
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// doPost 发送POST请求
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func (c *Client) doPost(ctx context.Context, params url.Values) (*RefundResponse, error) {
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apiURL := c.baseURL + "/ips/cmpayService"
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bodyStr := params.Encode()
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req, err := http.NewRequestWithContext(ctx, http.MethodPost, apiURL, strings.NewReader(bodyStr))
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if err != nil {
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return nil, fmt.Errorf("create request failed: %w", err)
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}
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req.Header.Set("Content-Type", "application/x-www-form-urlencoded; charset=utf-8")
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resp, err := c.httpClient.Do(req)
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if err != nil {
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return nil, fmt.Errorf("do request failed: %w", err)
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}
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defer resp.Body.Close()
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body, err := io.ReadAll(resp.Body)
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if err != nil {
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return nil, fmt.Errorf("read response body failed: %w", err)
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}
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if resp.StatusCode != http.StatusOK {
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return nil, fmt.Errorf("unexpected status code: %d, body: %s", resp.StatusCode, string(body))
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}
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return parseResponse(string(body))
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}
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// parseResponse 解析响应字符串为结构体
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func parseResponse(raw string) (*RefundResponse, error) {
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resp := &RefundResponse{}
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pairs := strings.Split(raw, "&")
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for _, pair := range pairs {
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eqIdx := strings.IndexByte(pair, '=')
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if eqIdx < 0 {
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continue
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}
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key := pair[:eqIdx]
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value := pair[eqIdx+1:]
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switch key {
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case "merchantId":
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resp.MerchantId = value
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case "payNo":
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resp.PayNo = value
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case "returnCode":
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resp.ReturnCode = value
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case "message":
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resp.Message = value
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case "signType":
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resp.SignType = value
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case "type":
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resp.Type = value
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case "version":
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resp.Version = value
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case "amount":
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resp.Amount = value
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case "orderId":
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resp.OrderId = value
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case "status":
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resp.Status = value
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case "serverCert":
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resp.ServerCert = value
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case "hmac":
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resp.Hmac = value
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}
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}
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return resp, nil
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}
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// verifyResponseSign 验证响应签名
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func (c *Client) verifyResponseSign(resp *RefundResponse) error {
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// 构建参数字典
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params := map[string]string{
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"merchantId": resp.MerchantId,
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"payNo": resp.PayNo,
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"returnCode": resp.ReturnCode,
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"message": resp.Message,
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"signType": resp.SignType,
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"type": resp.Type,
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"version": resp.Version,
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"amount": resp.Amount,
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"orderId": resp.OrderId,
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"status": resp.Status,
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}
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// 按文档指定顺序拼接签名串
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signStr := buildSignString(params, getResponseSignKeys())
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switch resp.SignType {
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case SignTypeMD5:
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if c.signKey == "" {
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return ErrSignKeyEmpty
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}
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if !VerifyMD5(signStr, c.signKey, resp.Hmac) {
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return ErrSignVerifyFailed
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}
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return nil
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case SignTypeRSA:
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if resp.ServerCert == "" {
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return fmt.Errorf("response missing serverCert for RSA verification")
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}
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// 从证书中提取公钥
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pubKeyPEM, err := extractPublicKeyFromCert(resp.ServerCert)
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if err != nil {
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return fmt.Errorf("extract public key from cert failed: %w", err)
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}
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return VerifyRSA(signStr, resp.Hmac, pubKeyPEM)
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default:
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return ErrSignTypeInvalid
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}
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}
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// IsRefundSuccess 判断退款是否成功
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// 返回码为 000000 或 MCG00000 表示退款请求成功
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// 退款最终结果以 status 字段为准
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func IsRefundRequestSuccess(returnCode string) bool {
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return returnCode == ReturnCodeSuccess || returnCode == ReturnCodeSuccessAlt
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}
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// IsRefundSuccess 判断退款最终结果是否成功
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func IsRefundSuccess(status string) bool {
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return status == RefundStatusSuccess
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}
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