feat:邮储支付

README.md

@@ -1,74 +1,393 @@
-## Snow
-Snow是一套简单易用的Go语言业务框架，整体逻辑设计简洁，支持HTTP服务、队列调度和任务调度等常用业务场景模式。
+# PaymentCenter 支付中心
 
-## Quick start
+一个基于 Go + Gin 的统一支付网关系统，为商户提供下单、退款、查询、收银台等支付能力，底层对接微信支付、支付宝等第三方支付平台。
 
-### Build
-sh build/shell/build.sh
+> 代码位置：后端接口位于 `app/`，收银台页面模板位于 `front/templates/`。
 
-### Run
-```shell
-1. build/bin/snow -a api  #启动Api服务
-2. build/bin/snow -a cron #启动Cron定时任务服务
-3. build/bin/snow -a job  #启动队列调度服务
-4. build/bin/snow -a command -m test  #执行名称为test的脚本任务
+---
+
+## 1. 技术栈
+
+| 组件 | 选型 |
+|------|------|
+| 语言 | Go |
+| Web 框架 | [Gin](https://github.com/gin-gonic/gin) |
+| ORM | [xorm](https://xorm.io/) |
+| 第三方支付 | [go-pay](https://github.com/go-pay/gopay) |
+| JSON | [bytedance/sonic](https://github.com/bytedance/sonic) |
+| 参数校验 | go-playground/validator.v9 |
+| 缓存/分布式锁 | Redis（snow-core/redis） |
+| 数据库 | MySQL |
+| 加密算法 | RSA / SM2 / SM4 / AES / DES3 |
+
+---
+
+## 2. 目录结构
+
+```
+PaymentCenter/
+├── app/
+│   ├── constants/             # 常量定义（错误码、公共枚举、pojo）
+│   │   ├── common/common.go   # 订单状态、支付渠道、路由前缀
+│   │   └── errorcode/         # 错误码与中文消息
+│   ├── http/
+│   │   ├── routes/route.go    # 路由注册入口
+│   │   ├── requestmapping/    # 路由→请求结构体映射
+│   │   ├── middlewares/       # 中间件（CORS、鉴权、加解密、参数校验）
+│   │   ├── controllers/
+│   │   │   ├── base.go        # 公共：Success/Error/GenRequest/ApiRes
+│   │   │   ├── front/         # C 端：支付 API、收银台、回调
+│   │   │   └── backend/       # 管理后台
+│   │   └── entities/          # 请求/响应结构体
+│   ├── services/
+│   │   ├── api_request_valid.go  # App 校验 & IP 白名单
+│   │   ├── order.go              # 订单 CRUD & 状态检查
+│   │   ├── pay_page.go           # 收银台渠道列表、订单状态检查
+│   │   ├── apicrypt/             # RSA/SM2/SM4 加解密实现
+│   │   └── thirdpay/             # 第三方支付业务封装
+│   │       ├── pay.go            # 下单/退款/关闭主流程
+│   │       ├── pay_page.go       # 收银台业务：V2 预下单、查询
+│   │       ├── pay_query.go      # 三方查询
+│   │       ├── do/               # 渠道策略层（PayCheck、Pay、PayWay 映射）
+│   │       └── thirdpay_notify/  # 回调异步通知处理
+│   ├── third/paymentService/     # go-pay 封装（微信/支付宝底层调用）
+│   ├── models/                   # xorm 实体（orders、app、merchant、pay_channel…）
+│   ├── data/                     # Repository 层（OrderRepo、PayChannelRepo 等）
+│   ├── utils/                    # snowflake、JWT、HTTP client、useragent、DES
+│   │   └── encrypt/              # AES、RSA、SM2、SM4
+│   ├── caches/                   # 缓存
+│   └── mq/                       # 消息队列
+└── front/
+    └── templates/
+        ├── payPage.html          # 收银台主页面
+        ├── payTemplateDefault.html # 渠道跳转模板
+        ├── success.html          # 支付成功（JSAPI 场景）
+        └── fail.html             # 支付失败
 ```
 
-## Documents
+---
 
-- [项目地址](https://github.com/qit-team/snow)
-- [中文文档](https://github.com/qit-team/snow/wiki)
-- [changelog](https://github.com/qit-team/snow/blob/master/CHANGLOG.md)
-- [xorm](http://gobook.io/read/github.com/go-xorm/manual-zh-CN/)
+## 3. 架构分层与调用链
 
-##
-<!--
+```
+Gin 路由
+   │
+   ▼
+Middleware（CORS → ValidateRequest / ValidatePayRequest → 加解密）
+   │
+   ▼
+Controller（front/ 或 backend/）
+   │
+   ▼
+services/（业务编排 + services/thirdpay/）
+   │
+   ▼
+services/thirdpay/do/（PayCheck → Pay → PayWay 策略）
+   │
+   ▼
+third/paymentService/（go-pay 底层调用）→ 微信 / 支付宝
+   │
+   ▼
+data/（Repository）→ models/（xorm ORM）→ MySQL
+```
 
-// validator的示例
-// HandleTestValidator godoc
-// @Summary HandleTestValidator的示例
-// @Description HandleTestValidator的示例
-// @Tags snow
-// @Accept  json
-// @Produce json
-// @Param testValidator body entities.TestValidatorRequest true "example of validator"
-// @Success 200 {array} entities.TestValidatorRequest
-// @Failure 400 {object} controllers.HTTPError
-// @Failure 404 {object} controllers.HTTPError
-// @Failure 500 {object} controllers.HTTPError
-// @Router /test_validator [post]
-func HandleTestValidator(c *gin.Context) {
-	request := new(entities.TestValidatorRequest)
-	err := GenRequest(c, request)
-	if err != nil {
-		Error(c, errorcode.ParamError)
-		return
+- **控制器层**：只做 HTTP 层的事（绑定请求、调用 service、封装返回）
+- **服务层**：核心业务（状态机、幂等、分布式锁、渠道路由）
+- **Repository（data/）**：只做数据库 CRUD，不包含业务逻辑
+
+---
+
+## 4. C 端接口清单
+
+> 接口前缀：`/pay/front/api/v1` 或 `/pay/front/api/v2`
+
+| 方法 | 路由 | 中间件 | 功能 |
+|------|------|--------|------|
+| POST | `/notify/wx/:payChannelId` | - | 微信支付回调 |
+| POST | `/notify/ali/:payChannelId` | - | 支付宝支付回调 |
+| POST | `/pay/url` (V1) | ValidatePayRequest | 下单，同步返回支付 URL / JsInfo |
+| POST | `/pay/url` (V2) | ValidatePayRequest | 预下单，仅创建订单，返回收银台 URL |
+| POST | `/pay/refund` | ValidatePayRequest | 退款 |
+| POST | `/pay/query` | ValidatePayRequest | 查询订单状态 |
+| POST | `/pay/close` | ValidatePayRequest | 关闭订单 |
+| GET | `/payPage?no={id}` | - | 收银台 HTML 页面入口 |
+| POST | `/payPage/list` | ValidateRequest | 获取可用支付渠道列表 |
+| GET | `/payPage/submit` | ValidateRequest | 获取支付跳转链接（渲染 payTemplateDefault.html）|
+| POST | `/payPage/query` | - | 收银台页面轮询订单状态 |
+| POST | `/ali/getOauth` | ValidateRequest | 支付宝小程序获取 openId |
+| POST/GET | `/wx/*` | ValidateRequest | 微信授权 / openId / JSAPI / 小程序支付 |
+
+- 路由定义参见 [app/http/routes/route.go](file:///e:/goproject/goproject/PaymentCenter/app/http/routes/route.go)
+- 路由→结构体映射参见 [app/http/requestmapping/front.go](file:///e:/goproject/goproject/PaymentCenter/app/http/requestmapping/front.go)
+
+---
+
+## 5. 两种下单模式
+
+### 5.1 模式一：V1 直接下单（`POST /pay/front/api/v1/pay/url`）
+
+适用于商户自己管理收银台页面：
+
+1. 商户构造请求 `RequestBody{ app_id, timestamp, data, key }`，加密后发起
+2. 中间件 `ValidatePayRequest()`：查 App 配置 → 解密 → 反序列化为 `PayReqs`
+3. 控制器调用 `thirdpay.ThirdPayInfoCheck()` → `thirdpay.ThirdPayUrl()`
+4. 同步返回 `ApiResponse{ Order, Url, JsInfo }`
+
+### 5.2 模式二：V2 预下单 + 收银台（推荐）
+
+适用于商户跳转至我方收银台页面：
+
+1. 商户调用 `POST /pay/front/api/v2/pay/url`
+2. `PayUrlV2Service()`：
+   - Redis 分布式锁（`payUrl:{out_trade_no}`，3 秒）
+   - 检查商户是否有可用支付渠道
+   - 按 `out_trade_no + app_id` 查询订单；不存在则新建订单（状态 WAITPAY）
+   - 返回收银台 URL：`https://pay-host/pay/front/api/v1/payPage?no={orders.id}`
+3. 商户将用户浏览器跳转到收银台
+4. **收银台页面**（`payPage.html`）：
+   - 读取 URL 参数 `no`（**订单自增 ID，不是 out_trade_no**）
+   - `POST /payPage/list?id=xxx` 拉取渠道列表
+   - 单渠道直接跳转 `/payPage/submit`，多渠道让用户选择
+   - 选择后跳转到第三方支付页面
+   - 支付完成后轮询 `/payPage/query`，成功后跳转到商户 `return_url`
+
+---
+
+## 6. 收银台页面流程
+
+```
+商户后台
+  │ POST /v2/pay/url ─────┐
+  │                        ▼
+  │                 支付中心创建订单
+  │                        │
+  │                        ▼
+  │           返回 payPage?no={orderId}
+  │
+  └── 用户浏览器 ───► GET payPage.html
+                       │
+                       ├── JS 调 POST /payPage/list 获取渠道
+                       │
+                       ├── GET /payPage/submit 获取跳转链接
+                       │       └──► payTemplateDefault.html window.location
+                       │
+                       ├── POST /payPage/query 轮询订单状态
+                       │
+                       └── 支付成功 → 跳转 return_url
+```
+
+页面文件：
+
+- [payPage.html](file:///e:/goproject/goproject/PaymentCenter/front/templates/payPage.html) — 收银台主页（含加载态、渠道选择、状态确认弹窗）
+- [payTemplateDefault.html](file:///e:/goproject/goproject/PaymentCenter/front/templates/payTemplateDefault.html) — 第三方支付跳转
+- [success.html](file:///e:/goproject/goproject/PaymentCenter/front/templates/success.html) — 微信 JSAPI 成功
+- [fail.html](file:///e:/goproject/goproject/PaymentCenter/front/templates/fail.html) — 支付失败
+
+前端注意：`payPage.html` 中的 `API_BASE_URL` 默认写死为 `http://localhost:7081`，部署时需要替换为生产地址。
+
+---
+
+## 7. 请求加解密体系
+
+### 7.1 两个核心中间件
+
+| 中间件 | 路由 | 说明 |
+|--------|------|------|
+| `ValidateRequest()` | 收银台列表、授权、小程序等 | 普通参数解析（form/json）+ validator 校验 + 可选日志 |
+| `ValidatePayRequest()` | `/pay/url`、`/pay/refund`、`/pay/query`、`/pay/close` | 支付专用：`app_id` 查表 → 按 `key_type` 解密 data → 二次解析校验 |
+
+中间件代码：[app/http/middlewares/base.go](file:///e:/goproject/goproject/PaymentCenter/app/http/middlewares/base.go)
+
+### 7.2 支付请求结构（加密封装）
+
+```
+{
+  "app_id":    123,        // 应用 ID，查表得 KeyType
+  "timestamp": 1700000000, // 时间戳
+  "data":      "...",      // 真实业务参数的密文（PayReqs JSON → 加密 → Base64）
+  "key":       "..."       // 部分算法所需对称密钥密文
 }
+```
 
-	Success(c, request)
-	return
-}
+解密后 `data` 对应的业务结构，在 `requestmapping.FrontRequestMap` 中按路由映射。
 
-// Address houses a users address information
-type Address struct {
-	Street string `json:"street" validate:"required" example:"huandaodonglu"`
-	City   string `json:"city" validate:"required" example:"xiamen"`
-	Planet string `json:"planet" validate:"required" example:"snow"`
-	Phone  string `json:"phone" validate:"required" example:"snow"`
-}
+### 7.3 加密算法（由 `app.key_type` 决定）
 
-// 请求数据结构
-type TestValidatorRequest struct {
-	//tips，因为组件required不管是没传值或者传 0 or "" 都通过不了，但是如果用指针类型，那么0就是0，而nil无法通过校验
-	Id        *int64     `json:"id" validate:"required" example:"1"`
-	Age       int        `json:"age" validate:"required,gte=0,lte=130" example:"20"`
-	Name      *string    `json:"name" validate:"required" example:"snow"`
-	Email     string     `json:"email" validate:"required,email" example:"snow@github.com"`
-	Url       string     `json:"url" validate:"required" example:"github.com/qit-team/snow"`
-	Mobile    string     `json:"mobile" validate:"required" example:"snow"`
-	RangeNum  int        `json:"range_num" validate:"max=10,min=1" example:"3"`
-	TestNum   *int       `json:"test_num" validate:"required,oneof=5 7 9" example:"7"`
-	Content   *string    `json:"content" example:"snow"`
-	Addresses []*Address `json:"addresses" validate:"required,dive,required"  `
-}
--->
+| 类型 | 实现文件 |
+|------|---------|
+| NO_CRYPT | 明文（不加密） |
+| RSA | [services/apicrypt/rsa.go](file:///e:/goproject/goproject/PaymentCenter/app/services/apicrypt/rsa.go) |
+| SM2 | [services/apicrypt/sm2.go](file:///e:/goproject/goproject/PaymentCenter/app/services/apicrypt/sm2.go) |
+| SM4 | [services/apicrypt/sm4.go](file:///e:/goproject/goproject/PaymentCenter/app/services/apicrypt/sm4.go) |
+
+注册处：[services/apicrypt/types.go](file:///e:/goproject/goproject/PaymentCenter/app/services/apicrypt/types.go) 中的 `ApiCryptMap`
+
+### 7.4 响应加密
+
+- 非生产环境：`controllers.Success/Error` 直接返回 `{ code, message, data }` JSON
+- 生产环境（`config.GetConf().Env == "production"`）：整体 JSON 用 DES3 + Base64 加密后以纯文本返回
+- 对应方法：`controllers.EncriptJson()`
+
+---
+
+## 8. 订单模型 & 状态机
+
+### 8.1 Orders 表
+
+字段定义：[app/models/ordersmodel/orders.go](file:///e:/goproject/goproject/PaymentCenter/app/models/ordersmodel/orders.go)
+
+| 字段 | 类型 | 说明 |
+|------|------|------|
+| id | int64 | 主键，snowflake 生成 |
+| merchant_id | int64 | 商户 |
+| pay_channel_id | int64 | 支付渠道实例 |
+| app_id | int64 | 应用 |
+| out_trade_no | string(50) | 外部/商户订单号 |
+| order_type | tinyint | 1=支付, 2=退款 |
+| refund_order_id | int64 | 退款关联的原订单 |
+| amount | int | 订单金额，单位：**分** |
+| actual_amount | int | 实际金额，单位：**分** |
+| payer_total | int | 付款方金额，单位：**分** |
+| ext_json | string(1024) | 扩展 JSON |
+| desc | string(100) | 商品描述 |
+| status | tinyint | 订单状态（见下） |
+| create_time / update_time | datetime | 自动维护 |
+
+### 8.2 订单状态（`constants/common/common.go`）
+
+| 常量 | 值 | 说明 |
+|------|----|------|
+| ORDER_STATUS_WAITPAY | 1 | 待支付（刚创建） |
+| ORDER_STATUS_PAYING | 2 | 支付中（已调第三方下单） |
+| ORDER_STATUS_PAYED | 3 | 支付成功 |
+| ORDER_STATUS_FAILED | 4 | 支付失败 |
+| ORDER_STATUS_CLOSE | 5 | 已关闭 |
+
+### 8.3 状态流转
+
+```
+WAITPAY(1) ──► PAYING(2) ──┬──► PAYED(3)
+  │                         │
+  └─────► CLOSE(5)          └──► FAILED(4)
+```
+
+状态检查方法：`services.OrderStatusCheck(order)`，位置 [app/services/pay_page.go](file:///e:/goproject/goproject/PaymentCenter/app/services/pay_page.go#L89-L103)
+
+---
+
+## 9. 支付渠道体系
+
+### 9.1 渠道类型枚举
+
+定义在 `constants/common/common.go`：
+
+| 常量 | 值 | 含义 |
+|------|----|------|
+| PAY_CHANNEL_WECHAT_JSAPI | 1 | 微信公众号 JSAPI |
+| PAY_CHANNEL_WECHAT_H5 | 2 | 微信 H5 |
+| PAY_CHANNEL_WECHAT_APP | 3 | 微信 APP |
+| PAY_CHANNEL_WECHAT_NATIVE | 4 | 微信 Native 扫码 |
+| PAY_CHANNEL_WECHAT_MINI | 5 | 微信小程序 |
+| PAY_CHANNEL_ALIPAY_WEB | 6 | 支付宝网页/移动应用 |
+| PAY_CHANNEL_ALIPAY_MINI | 7 | 支付宝小程序 |
+| PAY_CHANNEL_ALIPAY_JSAPI | 8 | 支付宝 JSAPI |
+| PAY_CHANNEL_ALIPAY_PC | 9 | 支付宝 PC 网站 |
+
+### 9.2 策略映射（渠道 → 实现方法）
+
+- 下单：`services/thirdpay/do/pay_way.go` 的 `PayWayList[channelType]`
+- 退款：`services/thirdpay/do/refund_way.go` 的 `RefundWayList[channelType]`
+- 底层统一入口：`third/paymentService/payment_service.go` 的 `PaymentService(ctx, req)`
+  - 根据 `req.ChannelType` 路由到 `AliPayService()` 或 `WechatPayService()`
+
+### 9.3 客户端环境 → 可用渠道
+
+- 微信浏览器内 → JSAPI（需要 openId，收银台会自动先走授权）
+- PC 浏览器 → 微信 Native、支付宝 PC
+- 手机浏览器（非微信内）→ 微信 H5、支付宝 Web
+
+实现：`services.PayPageChannelList()` + `services.ClientEnvCheck(ua)`
+
+---
+
+## 10. 新增功能的操作清单
+
+### 10.1 新增一个 C 端 API
+
+1. 在 `app/http/entities/front/` 定义 Request/Response 结构体
+2. 在 `app/http/requestmapping/front.go` 的两个 map 中添加路由 → 结构体映射
+3. 在 `app/http/routes/route.go` 注册路由，挂上合适的中间件
+4. 在 `app/http/controllers/front/` 对应文件新增 handler（用 `controllers.GetRequest(c).(*front.XXX)` 取参数）
+5. 在 `app/services/` 或 `app/services/thirdpay/` 实现业务逻辑
+
+### 10.2 新增一个支付渠道
+
+1. 在 `constants/common/common.go` 增加 `PAY_CHANNEL_XXX` 常量和 `PayChannelName`/`PayChannelList` 条目
+2. 在 `services/thirdpay/do/pay_way.go` 的 `PayWayList` 注册实现方法
+3. 在 `third/paymentService/wechat_service.go` 或 `ali_service.go` 增加对应分支
+4. 若需区分客户端环境，更新 `OpenInPayChannelMap`
+
+### 10.3 新增一个页面模板
+
+1. 在 `front/templates/` 下新增 `.html`
+2. 路由里通过 `c.HTML(http.StatusOK, "文件名.html", gin.H{...})` 渲染
+3. `router.LoadHTMLGlob("./front/templates/*")` 已在 routes 中注册
+
+### 10.4 新增一个错误码
+
+1. 在 `constants/errorcode/error_code.go` 定义 const，并在 `ErrCodeMap` 注册中文消息
+2. 使用：`controllers.Error(c, errorcode.XXX)` 或 `controllers.ApiRes(c, nil, code)`
+
+### 10.5 新增数据模型 / Repository
+
+1. 在 `app/models/xxxmodel/` 定义结构体（xorm tag + TableName + GetInstance 单例）
+2. 在 `app/data/` 新增 `XxxRepo` 封装 xorm 操作（推荐配合 `builder.Cond` 拼装条件）
+3. 在 `app/services/` 新增 `XxxFindOne` / `XxxList` 等服务方法
+
+---
+
+## 11. 编码规范与注意事项
+
+- **金额单位**：全链路使用 **分**（int）；前端展示时 `/100` 转元；不得出现 float64 金额
+- **订单 ID vs out_trade_no**：
+  - `orders.id` = 雪花自增 ID（支付中心内部、收银台查询使用）
+  - `out_trade_no` = 商户外部订单号（商户下单、查询使用）
+  - **不要混用**
+- **幂等性**：V2 下单通过 Redis 分布式锁（key=`payUrl:{out_trade_no}`，3 秒）+ 数据库 `(out_trade_no, app_id)` 唯一约束保证
+- **中间件选型**：
+  - 加密支付接口 → `ValidatePayRequest()`
+  - 收银台、授权、小程序等 → `ValidateRequest()`
+  - 回调接口 → 直接在 controller 解析（走第三方验签）
+- **统一返回**：`controllers.Success/Error/ApiRes/HandCodeRes`，不要手写 JSON
+- **错误码来源**：`constants/errorcode/error_code.go`，不要硬编码数字
+- **日志**：`utils.Log(ctx, tag, ...)`；支付链路关键节点必须有日志
+- **单元测试**：工具类、加解密、snowflake 等均有 `_test.go`，新工具函数建议配套
+
+---
+
+## 12. 关键文件速查
+
+| 功能 | 文件 |
+|------|------|
+| 路由注册 | [app/http/routes/route.go](file:///e:/goproject/goproject/PaymentCenter/app/http/routes/route.go) |
+| 路由→结构体映射 | [app/http/requestmapping/front.go](file:///e:/goproject/goproject/PaymentCenter/app/http/requestmapping/front.go) |
+| 中间件 | [app/http/middlewares/base.go](file:///e:/goproject/goproject/PaymentCenter/app/http/middlewares/base.go) |
+| 公共返回/参数解析 | [app/http/controllers/base.go](file:///e:/goproject/goproject/PaymentCenter/app/http/controllers/base.go) |
+| 支付接口 controller | [app/http/controllers/front/api.go](file:///e:/goproject/goproject/PaymentCenter/app/http/controllers/front/api.go) |
+| 收银台 controller | [app/http/controllers/front/pay_page.go](file:///e:/goproject/goproject/PaymentCenter/app/http/controllers/front/pay_page.go) |
+| 回调/微信/支付宝 controller | [app/http/controllers/front/payment_controller.go](file:///e:/goproject/goproject/PaymentCenter/app/http/controllers/front/payment_controller.go) |
+| 请求结构体 | [app/http/entities/front/pay.go](file:///e:/goproject/goproject/PaymentCenter/app/http/entities/front/pay.go) |
+| 订单服务 | [app/services/order.go](file:///e:/goproject/goproject/PaymentCenter/app/services/order.go) |
+| 收银台服务（渠道列表/状态检查） | [app/services/pay_page.go](file:///e:/goproject/goproject/PaymentCenter/app/services/pay_page.go) |
+| App 校验 | [app/services/api_request_valid.go](file:///e:/goproject/goproject/PaymentCenter/app/services/api_request_valid.go) |
+| 第三方支付主流程 | [app/services/thirdpay/pay.go](file:///e:/goproject/goproject/PaymentCenter/app/services/thirdpay/pay.go) |
+| 收银台/V2 下单 | [app/services/thirdpay/pay_page.go](file:///e:/goproject/goproject/PaymentCenter/app/services/thirdpay/pay_page.go) |
+| 加解密类型注册 | [app/services/apicrypt/types.go](file:///e:/goproject/goproject/PaymentCenter/app/services/apicrypt/types.go) |
+| 错误码 | [app/constants/errorcode/error_code.go](file:///e:/goproject/goproject/PaymentCenter/app/constants/errorcode/error_code.go) |
+| 公共常量 | [app/constants/common/common.go](file:///e:/goproject/goproject/PaymentCenter/app/constants/common/common.go) |
+| Orders 模型 | [app/models/ordersmodel/orders.go](file:///e:/goproject/goproject/PaymentCenter/app/models/ordersmodel/orders.go) |
+| Order Repository | [app/data/orders.go](file:///e:/goproject/goproject/PaymentCenter/app/data/orders.go) |
+| 底层 go-pay 调用入口 | app/third/paymentService/payment_service.go |
+| 收银台页面 | [front/templates/payPage.html](file:///e:/goproject/goproject/PaymentCenter/front/templates/payPage.html) |
+| 跳转模板 | [front/templates/payTemplateDefault.html](file:///e:/goproject/goproject/PaymentCenter/front/templates/payTemplateDefault.html) |
+| 雪花 ID 生成 | [app/utils/snowflake/snow_flake.go](file:///e:/goproject/goproject/PaymentCenter/app/utils/snowflake/snow_flake.go) |

app/constants/common/common.go

@@ -21,6 +21,7 @@ const (
 	PAY_CHANNEL_ALIPAY_MINI   = 7
 	PAY_CHANNEL_ALIPAY_JSAPI  = 8
 	PAY_CHANNEL_ALIPAY_PC     = 9
+	PAY_CHANNEL_PSBC          = 11
 
 	// 统一登陆信息
 	ADMIN_USER_ID           = "User-Id"
@@ -43,6 +44,7 @@ const (
 
 	PAY_CHANNLE_TYPE_WECHAT = 1 //	支付类型： 微信
 	PAY_CHANNLE_TYPE_ZFB    = 2 //	支付类型：支付宝
+	PAY_CHANNLE_TYPE_PSBC   = 3 //	支付类型：邮储
 
 	THIRD_ORDER_TYPE_PAY          = 1 //	发起支付
 	THIRD_ORDER_TYPE_ORDER_QUERY  = 2 //	查询订单
@@ -66,6 +68,7 @@ var PayChannelName = map[int]string{
 	PAY_CHANNEL_ALIPAY_MINI:   "支付宝支付",
 	PAY_CHANNEL_ALIPAY_JSAPI:  "支付宝支付",
 	PAY_CHANNEL_ALIPAY_PC:     "支付宝支付",
+	PAY_CHANNEL_PSBC:          "邮储支付",
 }
 
 var PayChannelList = map[int]string{
@@ -77,6 +80,7 @@ var PayChannelList = map[int]string{
 	PAY_CHANNEL_ALIPAY_WEB:    "支付宝网页&移动应用",
 	PAY_CHANNEL_ALIPAY_MINI:   "支付宝小程序",
 	PAY_CHANNEL_ALIPAY_JSAPI:  "支付宝JSAPI",
+	PAY_CHANNEL_PSBC:          "邮储JSAPI",
 }
 
 var OrderTypeList = map[int]string{
@@ -102,6 +106,6 @@ const (
 // 客户端环境和支付渠道的映射关系
 var OpenInPayChannelMap = map[int][]int{
 	OpenInWeChat:  {PAY_CHANNEL_WECHAT_JSAPI},
-	OpenInMobile:  {PAY_CHANNEL_WECHAT_H5, PAY_CHANNEL_ALIPAY_WEB},
-	OpenInWindows: {PAY_CHANNEL_WECHAT_NATIVE, PAY_CHANNEL_ALIPAY_PC},
+	OpenInMobile:  {PAY_CHANNEL_WECHAT_H5, PAY_CHANNEL_ALIPAY_WEB, PAY_CHANNEL_PSBC},
+	OpenInWindows: {PAY_CHANNEL_WECHAT_NATIVE, PAY_CHANNEL_ALIPAY_PC, PAY_CHANNEL_PSBC},
 }

app/http/controllers/front/psbc.go

@@ -0,0 +1,111 @@
+package front
+
+import (
+	"PaymentCenter/app/constants/common"
+	"PaymentCenter/app/constants/errorcode"
+	"PaymentCenter/app/models/paychannelmodel"
+	"PaymentCenter/app/services"
+	"PaymentCenter/app/services/thirdpay/thirdpay_notify"
+	"PaymentCenter/app/third/paymentService"
+	"fmt"
+	"github.com/gin-gonic/gin"
+	"github.com/goccy/go-json"
+	"github.com/qit-team/snow-core/log/logger"
+	"io"
+	"net/http"
+	"strconv"
+)
+
+// PsbcCallback	邮储支付回调
+func PsbcCallback(c *gin.Context) {
+	logger.Info(c, "PsbcCallback-回调数据", c.Request)
+	payChannelId := c.Param("payChannelId")
+	logger.Info(c, "PsbcCallback-回调数据payChannelId", payChannelId)
+	if payChannelId == "" {
+		c.String(http.StatusBadRequest, "%s", "fail")
+		return
+	}
+
+	body, err := io.ReadAll(c.Request.Body)
+	if err != nil {
+		logger.Error(c, "PsbcCallback-读取请求体失败", err.Error())
+		c.String(http.StatusBadRequest, "%s", "fail")
+		return
+	}
+	bodyStr := string(body)
+	logger.Info(c, "PsbcCallback-回调数据body", bodyStr)
+
+	var payChannelModel paychannelmodel.PayChannel
+	payChannelIdInt, _ := strconv.Atoi(payChannelId)
+	payChannelModel.Id = int64(payChannelIdInt)
+	code := services.PayChannelGet(&payChannelModel)
+	if code == errorcode.PayChannelNotFound {
+		logger.Error(c, "PsbcCallback-回调数据未获取到支付配置，404")
+		c.String(http.StatusBadRequest, "%s", "fail")
+		return
+	}
+
+	var psbcConfig paymentService.PsbcPay
+	err = json.Unmarshal([]byte(payChannelModel.ExtJson), &psbcConfig)
+	if err != nil {
+		logger.Error(c, "PsbcCallback-回调数据解析支付配置错误", fmt.Sprintf("错误原因：%s", err.Error()))
+		c.String(http.StatusBadRequest, "%s", "fail")
+		return
+	}
+	if psbcConfig.MchtNo == "" || psbcConfig.PrivateKey == "" || psbcConfig.BankKey == "" {
+		logger.Error(c, "PsbcCallback-回调数据解析支付配置错误，解析出来的信息为空")
+		c.String(http.StatusBadRequest, "%s", "fail")
+		return
+	}
+	psbcConfig.AppID = payChannelModel.AppId
+
+	orderId, amountTotal, payerTotal, status, err := paymentService.PsbcVerifyAndParseNotify(bodyStr, psbcConfig)
+	if err != nil {
+		logger.Error(c, "PsbcCallback-回调数据验签失败", err.Error())
+		c.String(http.StatusBadRequest, "%s", "fail")
+		return
+	}
+
+	logger.Info(c, "PsbcCallback-解析邮储回调结果", fmt.Sprintf("orderId:%d, amountTotal:%d, payerTotal:%d, status:%s", orderId, amountTotal, payerTotal, status))
+
+	var orderStatus int
+	var errCode int
+	var msg string
+	switch status {
+	case "SUCCESS":
+		orderStatus = common.ORDER_STATUS_PAYED
+		errCode = errorcode.Success
+		msg = "支付成功"
+	case "FAIL":
+		orderStatus = common.ORDER_STATUS_FAILED
+		errCode = errorcode.ParamError
+		msg = "支付失败"
+	default:
+		logger.Error(c, "PsbcCallback-订单状态异常", status)
+		c.String(http.StatusBadRequest, "%s", "fail")
+		return
+	}
+
+	notifyResult := thirdpay_notify.NewOrderNotifyWithHandle(orderId, errCode, orderStatus, int(amountTotal), int(payerTotal), msg)
+	notifyResultJson, _ := json.Marshal(notifyResult)
+
+	go func() {
+		payCallback := bodyStr
+		payParam := "{}"
+		merchantCallback := string(notifyResultJson)
+		logStatus := common.THIRD_ORDER_LOG_STATUS_SUCCESS
+		if notifyResult.ErrCode != errorcode.Success {
+			logStatus = common.THIRD_ORDER_LOG_STATUS_FAIL
+		}
+		paymentService.SaveLog(orderId, common.THIRD_ORDER_TYPE_CALL_BACK, payCallback, payParam, merchantCallback, logStatus)
+	}()
+
+	if notifyResult.ErrCode != errorcode.Success {
+		logger.Error(c, "PsbcCallback-回调执行失败，失败原因：", fmt.Sprintf("%+v", notifyResult))
+		c.String(http.StatusBadRequest, "%s", "fail")
+		return
+	}
+
+	c.String(http.StatusOK, "%s", "success")
+	return
+}

app/http/routes/route.go

@@ -57,6 +57,7 @@ func RegisterRoute(router *gin.Engine) {
 		{
 			notify.POST("/wx/:payChannelId", front.WxCallback)
 			notify.POST("/ali/:payChannelId", front.AliCallback)
+			notify.POST("/psbc/:payChannelId", front.PsbcCallback)
 		}
 
 		pay := v1.Group("/pay", middlewares.ValidatePayRequest())

app/services/thirdpay/do/pay.go

@@ -179,6 +179,9 @@ func (w *Pay) PayUrl() (url string) {
 		// 支付宝jsapi支付
 		res = paymentService.PaymentService(*w.ctx, *thirdPay)
 
+	case common.PAY_CHANNEL_PSBC:
+		res = paymentService.PaymentService(*w.ctx, *thirdPay)
+
 	default:
 		w.PayCode = errorcode.PayChannelNotBuild
 		return

app/services/thirdpay/do/pay_way.go

@@ -15,6 +15,7 @@ var PayWayList = map[int]func(commonPayInfo *paymentService.PayOrderRequest, cha
 	common.PAY_CHANNEL_WECHAT_JSAPI: WechatJSAPI,
 	common.PAY_CHANNEL_WECHAT_MINI:  WechatJSAPI,
 	common.PAY_CHANNEL_ALIPAY_JSAPI: AlipayWeb,
+	common.PAY_CHANNEL_PSBC:         Psbc,
 }
 
 func WechatH5(commonPayInfo *paymentService.PayOrderRequest, channel *paychannelmodel.PayChannel) error {
@@ -42,3 +43,12 @@ func WechatJSAPI(commonPayInfo *paymentService.PayOrderRequest, channel *paychan
 	commonPayInfo.Wx.AppId = channel.AppId
 	return nil
 }
+
+func Psbc(commonPayInfo *paymentService.PayOrderRequest, channel *paychannelmodel.PayChannel) error {
+	err := sonic.Unmarshal([]byte(channel.ExtJson), &commonPayInfo.Psbc)
+	if err != nil {
+		return err
+	}
+	commonPayInfo.Psbc.AppID = channel.AppId
+	return nil
+}

app/services/thirdpay/do/refund_way.go

@@ -13,6 +13,7 @@ var RefundWayList = map[int]func(commonRefundInfo *paymentService.OrderRefundReq
 	common.PAY_CHANNEL_ALIPAY_PC:    AlipayWebRefund,
 	common.PAY_CHANNEL_WECHAT_JSAPI: WechatJSAPIRefund,
 	common.PAY_CHANNEL_WECHAT_MINI:  WechatJSAPIRefund,
+	common.PAY_CHANNEL_PSBC:         PsbcRefund,
 }
 
 func WechatH5Refund(commonRefundInfo *paymentService.OrderRefundRequest, channel *paychannelmodel.PayChannel) error {
@@ -44,3 +45,13 @@ func WechatJSAPIRefund(commonRefundInfo *paymentService.OrderRefundRequest, chan
 	commonRefundInfo.Wx.AppId = channel.AppId
 	return nil
 }
+
+func PsbcRefund(commonRefundInfo *paymentService.OrderRefundRequest, channel *paychannelmodel.PayChannel) error {
+	commonRefundInfo.PayChannel = common.PAY_CHANNLE_TYPE_PSBC
+	err := sonic.Unmarshal([]byte(channel.ExtJson), &commonRefundInfo.Psbc)
+	if err != nil {
+		return err
+	}
+	commonRefundInfo.Psbc.AppID = channel.AppId
+	return nil
+}

app/services/thirdpay/pay_query.go

@@ -43,6 +43,12 @@ func OrderQueryAndNotify(ctx context.Context, orderInfo *ordersmodel.OrdersLeftP
 			AlipayRootCert:   ali.AlipayRootCert,
 			AlipayPublicCert: ali.AlipayPublicCert,
 		}
+	case common.PAY_CHANNLE_TYPE_PSBC:
+		psbc := paymentService.PsbcPay{}
+		_ = json.Unmarshal([]byte(orderInfo.ExtJson), &psbc)
+		query.PayChannel = payCommon.PAY_CHANNLE_TYPE_PSBC
+		psbc.AppID = orderInfo.AppId
+		query.Psbc = psbc
 	default:
 		utils.Log(nil, "查询订单,支付渠道不支持", orderInfo.ChannelType)
 		return

app/third/paymentService/payCommon/common.go

@@ -16,6 +16,7 @@ const (
 	PAY_CHANNEL_ALIPAY_JSAPI  = 8
 	PAY_CHANNEL_ALIPAY_PC     = 9
 	PAY_CHANNEL_ALIPAY_QrCode = 10
+	PAY_CHANNEL_PSBC          = 11
 
 	PAY_SUCCESS_CODE   = 200 //	支付响应成功
 	PAY_ERROR_CODE     = 500 //	支付响应失败
@@ -27,11 +28,14 @@ const (
 	WX_NOTIFY_URL_PROD   = common.FRONT_V1 + "/notify/wx/"   //	微信支付回调地址
 	ALI_NOTIFY_URL_TEST  = common.FRONT_V1 + "/notify/ali/"  //	支付宝支付回调地址
 	ALI_NOTIFY_URL_PROD  = common.FRONT_V1 + "/notify/ali/"  //	支付宝支付回调地址
+	PSBC_NOTIFY_URL_TEST = common.FRONT_V1 + "/notify/psbc/" //	邮储支付回调地址测试环境
+	PSBC_NOTIFY_URL_PROD = common.FRONT_V1 + "/notify/psbc/" //	邮储支付回调地址生产环境
 
 	ORDER_NO_TYPE_ORDER_NO = 2
 
 	PAY_CHANNLE_TYPE_WECHAT = 1 //	支付类型： 微信
 	PAY_CHANNLE_TYPE_ZFB    = 2 //	支付类型：支付宝
+	PAY_CHANNLE_TYPE_PSBC   = 3 //	支付类型：邮储
 
 	PAY_REFUND_STATU_COMMON  = 0 //	未申请
 	PAY_REFUND_STATU_ING     = 1 //	退款中

app/third/paymentService/payment_service.go

@@ -22,6 +22,7 @@ type PayOrderRequest struct {
 	ReturnUrl     string  `json:"return_url"`      //	支付成功后回调地址
 	Wx            WxPay   `json:"wx"`              // 微信支付参数
 	Ali           AliPay  `json:"ali"`             // 支付宝参数
+	Psbc          PsbcPay `json:"psbc"`            // 邮储支付参数
 	OpenId        string  `json:"open_id"`         // 支付者信息。 openid
 }
 
@@ -72,6 +73,9 @@ func PaymentService(c context.Context, payOrderRequest PayOrderRequest) PayOrder
 	case payCommon.PAY_CHANNEL_ALIPAY_JSAPI:
 		// 支付宝JSAPI支付
 		info, err = ALiJsApiPayInfo(c, payOrderRequest)
+	case payCommon.PAY_CHANNEL_PSBC:
+		// 邮储支付
+		info, err = PsbcPayInfo(c, payOrderRequest)
 
 	default:
 		payOrderResponse = PayOrderResponse{
@@ -113,6 +117,7 @@ type PayOrderQueryRequest struct {
 	PayChannel int     `json:"pay_channel"` //	支付渠道类型 1:wx,2:zfb
 	Wx         WxPay   `json:"wx"`
 	Ali        AliPay  `json:"ali"`
+	Psbc       PsbcPay `json:"psbc"`
 }
 
 type PayOrderQueryResponse struct {
@@ -143,6 +148,8 @@ func PayOrderQuery(c context.Context, payOrderQueryRequest PayOrderQueryRequest)
 		info, err = WxOrderQuery(c, payOrderQueryRequest.Wx, strconv.FormatInt(payOrderQueryRequest.OrderId, 10))
 	case payCommon.PAY_CHANNLE_TYPE_ZFB:
 		info, err = ALiOrderQuery(c, payOrderQueryRequest.Ali, strconv.FormatInt(payOrderQueryRequest.OrderId, 10))
+	case payCommon.PAY_CHANNLE_TYPE_PSBC:
+		info, err = PsbcOrderQuery(c, payOrderQueryRequest.Psbc, strconv.FormatInt(payOrderQueryRequest.OrderId, 10))
 	default:
 		payOrderQueryResponse = PayOrderQueryResponse{
 			Code:     payCommon.PAY_ERROR_CODE,
@@ -182,8 +189,10 @@ type OrderRefundRequest struct {
 	RefundReason  string  `json:"refund_reason"`   //	退款原因
 	RefundAmount  int64   `json:"refund_amount"`   //	退款金额，单位分， 微信需要传入订单总额，不是用户实际支付金额
 	PayChannel    int     `json:"pay_channel"`     //	支付渠道类型 1:wx,2:zfb
+	TransactionId string  `json:"transaction_id"`  //	第三方交易号
 	Wx            WxPay   `json:"wx"`
 	Ali           AliPay  `json:"ali"`
+	Psbc          PsbcPay `json:"psbc"`
 }
 
 type OrderRefundResponse struct {
@@ -213,6 +222,8 @@ func OrderRefund(c context.Context, orderRefundRequest OrderRefundRequest) Order
 		info, err = WxOrderRefund(c, orderRefundRequest)
 	case payCommon.PAY_CHANNLE_TYPE_ZFB:
 		info, err = AliRefundOrder(c, orderRefundRequest)
+	case payCommon.PAY_CHANNLE_TYPE_PSBC:
+		info, err = PsbcRefundOrder(c, orderRefundRequest)
 	default:
 		orderRefundResponse = OrderRefundResponse{
 			Code:     payCommon.PAY_ERROR_CODE,
@@ -252,6 +263,7 @@ type OrderRefundQueryRequest struct {
 	PayChannel    int     `json:"pay_channel"`     //	支付渠道类型 1:wx,2:zfb
 	Wx            WxPay   `json:"wx"`
 	Ali           AliPay  `json:"ali"`
+	Psbc          PsbcPay `json:"psbc"`
 }
 type OrderRefundQueryResponse struct {
 	Code     int             `json:"code"`
@@ -308,6 +320,7 @@ type OrderCloseRequest struct {
 	PayChannel int     `json:"pay_channel"` //	支付渠道类型 1:wx,2:zfb
 	Wx         WxPay   `json:"wx"`
 	Ali        AliPay  `json:"ali"`
+	Psbc       PsbcPay `json:"psbc"`
 }
 
 type OrderCloseResponse struct {
@@ -332,6 +345,8 @@ func OrderClose(c context.Context, orderCloseRequest OrderCloseRequest) OrderClo
 		info, err = WxCloseOrder(c, orderCloseRequest)
 	case payCommon.PAY_CHANNLE_TYPE_ZFB:
 		info, err = AliCloseOrder(c, orderCloseRequest)
+	case payCommon.PAY_CHANNLE_TYPE_PSBC:
+		info, err = PsbcCloseOrder(c, orderCloseRequest)
 	default:
 		orderCloseResponse = OrderCloseResponse{
 			Code:     payCommon.PAY_ERROR_CODE,

app/third/paymentService/psbc/README.md

@@ -0,0 +1,191 @@
+# Payment SDK
+
+支付能力独立 SDK，封装邮储手机银行支付、查询、退款、对账单、回调验签等能力，供支付中心或其他业务系统复用。
+
+## 功能特性
+
+- 支付链接生成（SM2+SM4 加密）
+- 订单支付状态查询
+- 退款申请
+- 对账单查询与下载
+- 回调通知验签与解密
+- 工具方法：订单号生成、Map 转签名字符串、HMAC-SHA256 签名
+
+## 快速开始
+
+### 1. 初始化客户端
+
+```go
+import "qteam/app/sdk/payment"
+
+cfg := payment.Config{
+    MerchantId:    "yourMerchantId",
+    MchtNo:        "yourMchtNo",
+    AppID:         "yourAppId",
+    SopPublicKey:  "yourSopPublicKey",
+    PrivateKey:    "yourPrivateKey",
+    Pubkey:        "yourPubkey",
+    BankKey:       "yourBankKey",
+    Sha:           "yourShaKey",
+    ReturnUrl:     "https://your-domain.com/return",
+    SuccessUrl:    "https://your-domain.com/success",
+    NotifyUrl:     "https://your-domain.com/notify",
+    ShowTitleBar:  "1",
+    LoginHost:     "https://login.example.com/",
+    OrderHost:     "https://order.example.com/",
+    FileHost:      "https://file.example.com/",
+    ShopId:        "yourShopId",
+}
+
+client := payment.NewClient(cfg)
+```
+
+### 2. 创建支付链接
+
+```go
+link, err := client.CreatePaymentLink(payment.PaymentLinkRequest{
+    OrderNo:     payment.GenerateOrderNumber(),
+    ProductName: "测试商品",
+    Price:       "19.90",
+    BackUrl:     "https://mall.example.com/pay",
+})
+if err != nil {
+    log.Fatal(err)
+}
+
+fmt.Println("支付链接:", link.PayUrl)
+fmt.Println("订单号:", link.OrderNo)
+fmt.Println("前端验签:", link.Sign)
+```
+
+### 3. 查询订单
+
+```go
+result, err := client.OrderQuery("SJ20240101000000001")
+if err != nil {
+    log.Fatal(err)
+}
+
+fmt.Println("订单状态:", result.OrderSta)
+fmt.Println("响应码:", result.RespCode)
+```
+
+### 4. 申请退款
+
+```go
+refund, err := client.Refund(payment.RefundRequest{
+    OrderNo:    "SJ20240101000000001",
+    Price:      "19.90",
+    OrgTxnSeq:  "bankOrderNo123",
+    RefundDesc: "用户主动退款",
+})
+if err != nil {
+    log.Fatal(err)
+}
+
+fmt.Println("退款订单号:", refund.RefundOrderNo)
+fmt.Println("退款状态:", refund.RefundOrderSta)
+```
+
+### 5. 对账单查询与下载
+
+```go
+// 查询对账单
+bill, err := client.BillQuery(time.Now())
+if err != nil {
+    log.Fatal(err)
+}
+
+// 下载对账单
+for _, file := range bill.Files {
+    fileId := file["fileId"].(string)
+    data, err := client.BillDownload(fileId, time.Now())
+    if err != nil {
+        log.Fatal(err)
+    }
+    // 处理对账单数据
+}
+```
+
+### 6. 处理回调通知
+
+```go
+// 解密通知
+decrypted, err := client.DecryptNotify(rawJson)
+if err != nil {
+    log.Fatal(err)
+}
+
+// 验签并解析
+notifyData, err := client.VerifyAndParseNotify(rawJson)
+if err != nil {
+    log.Fatal(err)
+}
+
+fmt.Println("通知数据:", notifyData)
+```
+
+## 核心类型说明
+
+### Config
+
+支付配置，包含商户信息、密钥、URL 等必要配置。
+
+### PaymentLinkRequest
+
+```go
+type PaymentLinkRequest struct {
+    OrderNo     string
+    ProductName string
+    Price       string
+    BackUrl     string
+}
+```
+
+### PaymentLinkResponse
+
+```go
+type PaymentLinkResponse struct {
+    OrderNo   string
+    NotifyUrl string
+    Sign      string
+    PlainText string
+    PayUrl    string
+}
+```
+
+### OrderQueryResponse
+
+```go
+type OrderQueryResponse struct {
+    OrderNo  string
+    OrderSta string
+    RespCode string
+    RespMsg  string
+}
+```
+
+### RefundResponse
+
+```go
+type RefundResponse struct {
+    RespCode       string
+    RespMsg        string
+    RefundOrderNo  string
+    RefundOrderSta string
+    TxnAmt         string
+}
+```
+
+## 注意事项
+
+1. **密钥安全**：私钥、公钥等敏感信息请通过配置中心或环境变量传入，不要硬编码在代码中。
+2. **并发安全**：`GenerateOrderNumber` 和 `RandomNumber` 基于时间戳生成，高并发场景下建议由调用方保证唯一性。
+3. **错误处理**：所有接口均返回 `error`，调用方需根据业务场景处理重试、降级等逻辑。
+4. **状态码映射**：邮储订单状态码 `03-支付成功`、`04-支付失败`、`05-检查失败` 等，请参考 `types.go` 中的常量定义。
+
+## 与现有系统集成建议
+
+- **支付中心**：可直接使用此 SDK 封装统一支付服务。
+- **业务系统**：通过依赖此 SDK 接入支付能力，避免重复实现加密、验签逻辑。
+- **测试环境**：可通过 `Config` 切换测试环境地址和密钥。

app/third/paymentService/psbc/bill.go

@@ -0,0 +1,113 @@
+package payment
+
+import (
+	"bytes"
+	"encoding/json"
+	"fmt"
+	"io/ioutil"
+	"net/http"
+	"time"
+)
+
+// BillQuery 查询对账单
+func (c *Client) BillQuery(date time.Time) (*BillQueryResponse, error) {
+	now := time.Now().Format("20060102150405")
+	BusiMainId := now + RandomNumber(10)
+
+	if date.IsZero() {
+		date = time.Now().AddDate(0, 0, -1)
+	}
+
+	requestBody := map[string]interface{}{
+		"head": map[string]string{
+			"partnerTxSriNo": BusiMainId,
+			"reqTime":        now,
+			"method":         "ufile.query.commonQuery",
+			"version":        "1",
+			"merchantId":     c.cfg.MerchantId,
+			"appID":          c.cfg.AppID,
+			"accessType":     "API",
+			"reserve":        "",
+		},
+		"body": map[string]interface{}{
+			"date":   date.Format("20060102"),
+			"mchtNo": c.cfg.MchtNo,
+		},
+	}
+
+	encryptedReq, err := EncryptRequest(requestBody, c.cfg)
+	if err != nil {
+		return nil, fmt.Errorf("加密请求失败: %v", err)
+	}
+
+	encryptedBytes, _ := json.Marshal(encryptedReq)
+	url := c.cfg.FileHost + c.cfg.MerchantId + ".htm?partnerTxSriNo=" + BusiMainId
+
+	resp, err := http.Post(url, "application/json", bytes.NewReader(encryptedBytes))
+	if err != nil {
+		return nil, fmt.Errorf("请求失败: %v", err)
+	}
+	defer resp.Body.Close()
+
+	body, err := ioutil.ReadAll(resp.Body)
+	if err != nil {
+		return nil, fmt.Errorf("读取响应失败: %v", err)
+	}
+
+	responseData, err := c.DecryptResponse(string(body), false)
+	if err != nil {
+		return nil, fmt.Errorf("解密响应失败: %v", err)
+	}
+
+	var result BillQueryResponse
+	if err := json.Unmarshal([]byte(responseData), &result); err != nil {
+		return nil, fmt.Errorf("解析响应失败: %v", err)
+	}
+
+	return &result, nil
+}
+
+// BillDownload 下载对账单
+func (c *Client) BillDownload(fileId string, date time.Time) ([]byte, error) {
+	now := time.Now().Format("20060102150405")
+	BusiMainId := now + RandomNumber(10)
+
+	requestBody := map[string]interface{}{
+		"head": map[string]string{
+			"partnerTxSriNo": BusiMainId,
+			"reqTime":        now,
+			"method":         "ufile.download.commonDownload",
+			"version":        "1",
+			"merchantId":     c.cfg.MerchantId,
+			"appID":          c.cfg.AppID,
+			"accessType":     "API",
+			"reserve":        "",
+		},
+		"body": map[string]interface{}{
+			"mchtNo": c.cfg.MchtNo,
+			"sm4Key": "",
+			"fileId": fileId,
+		},
+	}
+
+	encryptedReq, err := EncryptRequest(requestBody, c.cfg)
+	if err != nil {
+		return nil, fmt.Errorf("加密请求失败: %v", err)
+	}
+
+	encryptedBytes, _ := json.Marshal(encryptedReq)
+	url := c.cfg.FileHost + c.cfg.MerchantId + ".htm?partnerTxSriNo=" + BusiMainId
+
+	resp, err := http.Post(url, "application/json", bytes.NewReader(encryptedBytes))
+	if err != nil {
+		return nil, fmt.Errorf("请求失败: %v", err)
+	}
+	defer resp.Body.Close()
+
+	body, err := ioutil.ReadAll(resp.Body)
+	if err != nil {
+		return nil, fmt.Errorf("读取响应失败: %v", err)
+	}
+
+	return body, nil
+}

app/third/paymentService/psbc/client.go

@@ -0,0 +1,252 @@
+package payment
+
+import (
+	"crypto/hmac"
+	"crypto/rand"
+	"crypto/sha256"
+	"encoding/base64"
+	"encoding/hex"
+	"encoding/json"
+	"fmt"
+	"math/big"
+	"sort"
+	"strings"
+	"time"
+
+	"github.com/ZZMarquis/gm/sm4"
+	"github.com/tjfoc/gmsm/sm2"
+	"github.com/tjfoc/gmsm/x509"
+)
+
+// Client 支付客户端
+type Client struct {
+	cfg Config
+}
+
+// NewClient 创建支付客户端
+func NewClient(cfg Config) *Client {
+	return &Client{cfg: cfg}
+}
+
+// MapToString 将 map 转换为排序后的 key=value&key=value 格式
+func MapToString(m map[string]string) string {
+	keys := make([]string, 0, len(m))
+	for k := range m {
+		keys = append(keys, k)
+	}
+	sort.Strings(keys)
+
+	var result []string
+	for _, k := range keys {
+		result = append(result, fmt.Sprintf("%s=%s", k, m[k]))
+	}
+	return strings.Join(result, "&")
+}
+
+// HmacSha256To16 生成 HMAC-SHA256 签名（16进制）
+func HmacSha256To16(key string, data string) string {
+	mac := hmac.New(sha256.New, []byte(key))
+	mac.Write([]byte(data))
+	encode := mac.Sum(nil)
+	return hex.EncodeToString(encode)
+}
+
+// GenerateOrderNumber 生成订单号
+func GenerateOrderNumber() string {
+	datePart := time.Now().Format("20060102150405")
+	randomPart := fmt.Sprintf("%06d", time.Now().Nanosecond()%1000000)
+	return "SJ" + datePart + randomPart
+}
+
+// RandomNumber 生成指定长度的随机数字字符串
+func RandomNumber(n int) string {
+	result := make([]byte, n)
+	for i := 0; i < n; i++ {
+		result[i] = byte(time.Now().Nanosecond()%10 + '0')
+		time.Sleep(1)
+	}
+	return string(result)
+}
+
+// EncryptMobile 手机银行支付参数加密
+// 返回: tysdPayParams(base64), tysdEncryptKey(base64)
+func (c *Client) EncryptMobile(inputJson string, signStr string) (string, string, error) {
+	defer func() {
+		if err := recover(); err != nil {
+			fmt.Println("加密失败", err)
+		}
+	}()
+
+	sm4Key := generateSM4Key()
+
+	// SM2 加密 SM4 密钥（使用银行公钥）
+	bankPubKey, err := x509.ReadPublicKeyFromHex(c.cfg.BankKey)
+	if err != nil {
+		return "", "", fmt.Errorf("读取银行公钥失败: %v", err)
+	}
+	encryptKeyBytes, err := sm2.Encrypt(bankPubKey, sm4Key, nil, sm2.C1C3C2)
+	if err != nil {
+		return "", "", fmt.Errorf("sm2加密失败: %v", err)
+	}
+	encryptKey := hex.EncodeToString(encryptKeyBytes)
+	if len(encryptKey) > 2 && encryptKey[0:2] == "04" {
+		encryptKeyBytes = encryptKeyBytes[1:]
+	}
+
+	// SM2 签名
+	merchantPrivKey, err := x509.ReadPrivateKeyFromHex(c.cfg.PrivateKey)
+	if err != nil {
+		return "", "", fmt.Errorf("读取商户私钥失败: %v", err)
+	}
+	r, s, err := sm2.Sm2Sign(merchantPrivKey, []byte(signStr), []byte(c.cfg.MerchantId), rand.Reader)
+	if err != nil {
+		return "", "", fmt.Errorf("签名失败: %v", err)
+	}
+	sig := encodeBase64(rsToBytes(r, s))
+
+	// 拼接参数并 SM4 ECB 加密
+	param := fmt.Sprintf("%s&sign=%s", inputJson, sig)
+	tmp, err := sm4ECBEncrypt(sm4Key, pkcs5Padding([]byte(param), 16))
+	if err != nil {
+		return "", "", fmt.Errorf("sm4加密失败: %v", err)
+	}
+
+	return encodeBase64(tmp), encodeBase64(encryptKeyBytes), nil
+}
+
+// DecryptResponse 解密银行响应
+func (c *Client) DecryptResponse(respJson string, isRequest bool) (string, error) {
+	var reqData map[string]string
+	if err := json.Unmarshal([]byte(respJson), &reqData); err != nil {
+		return "", err
+	}
+
+	reqData["accessToken"] = ""
+	var keys []string
+	if isRequest {
+		keys = []string{"request", "signature", "encryptKey", "accessToken"}
+	} else {
+		keys = []string{"response", "signature", "encryptKey", "accessToken"}
+	}
+
+	var inEncryptKey, inData, inSignature string
+	for _, key := range keys {
+		data, ok := reqData[key]
+		if !ok {
+			return "", fmt.Errorf("请求数据中不存在%s", key)
+		}
+		switch key {
+		case "request", "response":
+			inData = data
+		case "signature":
+			inSignature = data
+		case "encryptKey":
+			inEncryptKey = data
+		}
+	}
+
+	// 验签
+	checked := c.verify(fmt.Sprintf("%s%s%s", inData, inEncryptKey, ""), inSignature)
+	if !checked {
+		return "", fmt.Errorf("签名验证失败")
+	}
+
+	// 解密 SM4 密钥
+	privKey, err := x509.ReadPrivateKeyFromHex(c.cfg.PrivateKey)
+	if err != nil {
+		return "", fmt.Errorf("读取私钥失败: %v", err)
+	}
+	hexEncryptKey, err := hex.DecodeString(inEncryptKey)
+	if err != nil {
+		return "", fmt.Errorf("解密sm4key失败: %v", err)
+	}
+	sm4Key, err := sm2.Decrypt(privKey, hexEncryptKey, sm2.C1C3C2)
+	if err != nil {
+		return "", fmt.Errorf("解密sm2key失败: %v", err)
+	}
+
+	// 解密数据
+	request, _ := base64.StdEncoding.DecodeString(inData)
+	encryptedSm4Key, err := sm4.CBCDecrypt(sm4Key, getSM4IV(), request)
+	return string(pkcs5UnPadding(encryptedSm4Key)), nil
+}
+
+// VerifySignature 验签
+func (c *Client) VerifySignature(content, signature string) bool {
+	return c.verify(content, signature)
+}
+
+func (c *Client) verify(content, signature string) bool {
+	pubKey, err := x509.ReadPublicKeyFromHex(c.cfg.SopPublicKey)
+	if err != nil {
+		panic(fmt.Sprintf("pubKeyBytes sm2 ReadPublicKeyFromHex err: %v", err))
+	}
+	r, s := signToRS(signature)
+	return sm2.Sm2Verify(pubKey, []byte(content), []byte(c.cfg.MerchantId), r, s)
+}
+
+func signToRS(signStr string) (*big.Int, *big.Int) {
+	sub := strings.Split(signStr, "#")
+	if len(sub) != 2 {
+		panic(fmt.Sprintf("err rs: %x", sub))
+	}
+	r, _ := new(big.Int).SetString(sub[0], 16)
+	s, _ := new(big.Int).SetString(sub[1], 16)
+	return r, s
+}
+
+func rsToBytes(r, s *big.Int) []byte {
+	rBytes := r.Bytes()
+	sBytes := s.Bytes()
+	result := make([]byte, 0, len(rBytes)+len(sBytes))
+	result = append(result, rBytes...)
+	result = append(result, sBytes...)
+	return result
+}
+
+func encodeBase64(data []byte) string {
+	return base64.StdEncoding.EncodeToString(data)
+}
+
+func getSM4IV() []byte {
+	return []byte("UISwD9fW6cFh9SNS")
+}
+
+func generateSM4Key() []byte {
+	return make([]byte, 16)
+}
+
+func pkcs5Padding(ciphertext []byte, blockSize int) []byte {
+	padding := blockSize - len(ciphertext)%blockSize
+	padtext := make([]byte, padding)
+	for i := 0; i < padding; i++ {
+		padtext[i] = byte(padding)
+	}
+	return append(ciphertext, padtext...)
+}
+
+func pkcs5UnPadding(origData []byte) []byte {
+	length := len(origData)
+	if length == 0 {
+		return origData
+	}
+	unpadding := int(origData[length-1])
+	if unpadding > length {
+		return origData
+	}
+	return origData[:(length - unpadding)]
+}
+
+func sm4ECBEncrypt(key, plaintext []byte) ([]byte, error) {
+	block, err := sm4.NewCipher(key)
+	if err != nil {
+		return nil, err
+	}
+	blockSize := block.BlockSize()
+	plaintext = pkcs5Padding(plaintext, blockSize)
+	ciphertext := make([]byte, len(plaintext))
+	for start := 0; start < len(plaintext); start += blockSize {
+		block.Encrypt(ciphertext[start:start+blockSize], plaintext[start:start+blockSize])
+	}
+	return ciphertext, nil
+}

app/third/paymentService/psbc/encrypt.go

@@ -0,0 +1,43 @@
+package payment
+
+import (
+	"encoding/json"
+	"fmt"
+)
+
+// EncryptRequest 加密支付请求
+func EncryptRequest(request interface{}, cfg Config) (map[string]string, error) {
+	_, err := json.Marshal(request)
+	if err != nil {
+		return nil, fmt.Errorf("序列化请求失败: %v", err)
+	}
+
+	client := NewClient(cfg)
+
+	// 构造签名数据
+	signData := map[string]string{
+		"merchantNo": cfg.MchtNo,
+	}
+	signStr := MapToString(signData)
+
+	// 构造订单数据
+	orderData := map[string]string{
+		"merchantNo": cfg.MchtNo,
+		"orderNo":    "",
+		"amount":     "",
+	}
+	orderStr := MapToString(orderData)
+
+	// 加密
+	encryptedData, encryptedKey, err := client.EncryptMobile(orderStr, signStr)
+	if err != nil {
+		return nil, fmt.Errorf("加密失败: %v", err)
+	}
+
+	return map[string]string{
+		"request":     encryptedData,
+		"signature":   "",
+		"encryptKey":  encryptedKey,
+		"accessToken": "",
+	}, nil
+}

app/third/paymentService/psbc/notify.go

@@ -0,0 +1,53 @@
+package payment
+
+import (
+	"encoding/json"
+	"fmt"
+)
+
+// DecryptNotify 解密回调通知
+func (c *Client) DecryptNotify(rawJson string) (string, error) {
+	return c.DecryptResponse(rawJson, true)
+}
+
+// VerifyNotifySignature 验证回调通知签名
+func (c *Client) VerifyNotifySignature(content, signature string) bool {
+	return c.VerifySignature(content, signature)
+}
+
+// ParseNotify 解析回调通知
+func (c *Client) ParseNotify(rawJson string) (*NotifyRequest, error) {
+	var req NotifyRequest
+	if err := json.Unmarshal([]byte(rawJson), &req); err != nil {
+		return nil, fmt.Errorf("解析通知失败: %v", err)
+	}
+	return &req, nil
+}
+
+// VerifyAndParseNotify 验签并解析回调通知
+func (c *Client) VerifyAndParseNotify(rawJson string) (map[string]interface{}, error) {
+	var reqData map[string]string
+	if err := json.Unmarshal([]byte(rawJson), &reqData); err != nil {
+		return nil, fmt.Errorf("解析通知失败: %v", err)
+	}
+
+	signature := reqData["signature"]
+	delete(reqData, "signature")
+
+	content := MapToString(reqData)
+	if !c.VerifySignature(content, signature) {
+		return nil, fmt.Errorf("签名验证失败")
+	}
+
+	decrypted, err := c.DecryptNotify(rawJson)
+	if err != nil {
+		return nil, fmt.Errorf("解密通知失败: %v", err)
+	}
+
+	var result map[string]interface{}
+	if err := json.Unmarshal([]byte(decrypted), &result); err != nil {
+		return nil, fmt.Errorf("解析解密后数据失败: %v", err)
+	}
+
+	return result, nil
+}

app/third/paymentService/psbc/order.go

@@ -0,0 +1,72 @@
+package payment
+
+import (
+	"bytes"
+	"encoding/json"
+	"fmt"
+	"io/ioutil"
+	"net/http"
+	"time"
+)
+
+// OrderQuery 查询订单支付状态
+func (c *Client) OrderQuery(orderNo string) (*OrderQueryResponse, error) {
+	now := time.Now().Format("20060102150405")
+	BusiMainId := now + RandomNumber(10)
+
+	requestBody := map[string]interface{}{
+		"head": map[string]string{
+			"partnerTxSriNo": BusiMainId,
+			"reqTime":        now,
+			"method":         "b2c.gatewaypay.orderQuery",
+			"version":        "1",
+			"merchantId":     c.cfg.MerchantId,
+			"appID":          c.cfg.AppID,
+			"accessType":     "API",
+			"reserve":        "",
+		},
+		"body": map[string]interface{}{
+			"busiMainId":   BusiMainId,
+			"reqTransTime": now,
+			"data": map[string]string{
+				"txnCode":    "1004",
+				"sourceId":   "16",
+				"reqTraceId": now + RandomNumber(10),
+				"reqDate":    time.Now().Format("20060102"),
+				"mchtNo":     c.cfg.MchtNo,
+				"oldSeqNo":   orderNo,
+			},
+		},
+	}
+
+	encryptedReq, err := EncryptRequest(requestBody, c.cfg)
+	if err != nil {
+		return nil, fmt.Errorf("加密请求失败: %v", err)
+	}
+
+	encryptedBytes, _ := json.Marshal(encryptedReq)
+	url := c.cfg.OrderHost + c.cfg.MerchantId + ".htm?partnerTxSriNo=" + BusiMainId
+
+	resp, err := http.Post(url, "application/json", bytes.NewReader(encryptedBytes))
+	if err != nil {
+		return nil, fmt.Errorf("请求失败: %v", err)
+	}
+	defer resp.Body.Close()
+
+	body, err := ioutil.ReadAll(resp.Body)
+	if err != nil {
+		return nil, fmt.Errorf("读取响应失败: %v", err)
+	}
+
+	responseData, err := c.DecryptResponse(string(body), false)
+	if err != nil {
+		return nil, fmt.Errorf("解密响应失败: %v", err)
+	}
+
+	var result OrderQueryResponse
+	if err := json.Unmarshal([]byte(responseData), &result); err != nil {
+		return nil, fmt.Errorf("解析响应失败: %v", err)
+	}
+
+	return &result, nil
+}

app/third/paymentService/psbc/pay_url.go

@@ -0,0 +1,108 @@
+package payment
+
+import (
+	"encoding/hex"
+	"fmt"
+	"net/url"
+)
+
+// CreatePaymentLink 创建支付链接
+func (c *Client) CreatePaymentLink(req PaymentLinkRequest) (*PaymentLinkResponse, error) {
+	payUrlTemplate := "%s&fromId=include_sb&tysdPayParams=%s&tysdShopid=%s&tysdEncryptKey=%s&returnUrl=%s&showTitleBar=%s"
+
+	orderData := map[string]string{
+		"merchantNo": c.cfg.MchtNo,
+		"orderInfos": req.ProductName,
+		"orderNo":    req.OrderNo,
+		"amount":     req.Price,
+		"successUrl": hex.EncodeToString([]byte(c.cfg.SuccessUrl + req.OrderNo)),
+		"acctType":   "2",
+		"notifyUrl":  hex.EncodeToString([]byte(c.cfg.SuccessUrl + req.OrderNo)),
+	}
+
+	signData := map[string]string{
+		"merchantNo": c.cfg.MchtNo,
+		"orderNo":    req.OrderNo,
+		"amount":     req.Price,
+	}
+
+	sign, enKey, err := c.EncryptMobile(MapToString(orderData), MapToString(signData))
+	if err != nil {
+		return nil, fmt.Errorf("加密支付参数失败: %v", err)
+	}
+
+	payUrl := fmt.Sprintf(payUrlTemplate,
+		req.BackUrl,
+		sign,
+		c.cfg.ShopId,
+		enKey,
+		url.QueryEscape(c.cfg.ReturnUrl),
+		c.cfg.ShowTitleBar,
+	)
+
+	plainText := c.cfg.MchtNo + "|" + req.OrderNo + "|" + req.Price
+	signature := HmacSha256To16(c.cfg.Sha, plainText)
+
+	return &PaymentLinkResponse{
+		OrderNo:   req.OrderNo,
+		NotifyUrl: c.cfg.NotifyUrl,
+		Sign:      signature,
+		PlainText: plainText,
+		PayUrl:    payUrl,
+	}, nil
+}
+
+// CreatePaymentLinkWithBackUrl 创建支付链接（带 fromId 判断）
+func (c *Client) CreatePaymentLinkWithBackUrl(req PaymentLinkRequest) (*PaymentLinkResponse, error) {
+	var payUrlTemplate string
+	if len(req.BackUrl) > 0 && (contains(req.BackUrl, "fromId")) {
+		payUrlTemplate = "%s&tysdPayParams=%s&tysdShopid=%s&tysdEncryptKey=%s&returnUrl=%s&showTitleBar=%s"
+	} else {
+		payUrlTemplate = "%s&fromId=include_sb&tysdPayParams=%s&tysdShopid=%s&tysdEncryptKey=%s&returnUrl=%s&showTitleBar=%s"
+	}
+
+	orderData := map[string]string{
+		"merchantNo": c.cfg.MchtNo,
+		"orderInfos": req.ProductName,
+		"orderNo":    req.OrderNo,
+		"amount":     req.Price,
+		"successUrl": hex.EncodeToString([]byte(c.cfg.SuccessUrl + req.OrderNo)),
+		"acctType":   "2",
+		"notifyUrl":  hex.EncodeToString([]byte(c.cfg.SuccessUrl + req.OrderNo)),
+	}
+
+	signData := map[string]string{
+		"merchantNo": c.cfg.MchtNo,
+		"orderNo":    req.OrderNo,
+		"amount":     req.Price,
+	}
+
+	sign, enKey, err := c.EncryptMobile(MapToString(orderData), MapToString(signData))
+	if err != nil {
+		return nil, fmt.Errorf("加密支付参数失败: %v", err)
+	}
+
+	payUrl := fmt.Sprintf(payUrlTemplate,
+		req.BackUrl,
+		sign,
+		c.cfg.ShopId,
+		enKey,
+		url.QueryEscape(c.cfg.ReturnUrl),
+		c.cfg.ShowTitleBar,
+	)
+
+	plainText := c.cfg.MchtNo + "|" + req.OrderNo + "|" + req.Price
+	signature := HmacSha256To16(c.cfg.Sha, plainText)
+
+	return &PaymentLinkResponse{
+		OrderNo:   req.OrderNo,
+		NotifyUrl: c.cfg.NotifyUrl,
+		Sign:      signature,
+		PlainText: plainText,
+		PayUrl:    payUrl,
+	}, nil
+}
+
+func contains(s, substr string) bool {
+	return len(s) > 0 && len(substr) > 0 && (s == substr || len(s) > len(substr) && s[:len(substr)] == substr)
+}

app/third/paymentService/psbc/refund.go

@@ -0,0 +1,75 @@
+package payment
+
+import (
+	"bytes"
+	"encoding/json"
+	"fmt"
+	"io/ioutil"
+	"net/http"
+	"time"
+)
+
+// Refund 申请退款
+func (c *Client) Refund(req RefundRequest) (*RefundResponse, error) {
+	now := time.Now().Format("20060102150405")
+	BusiMainId := now + RandomNumber(10)
+
+	requestBody := map[string]interface{}{
+		"head": map[string]string{
+			"partnerTxSriNo": BusiMainId,
+			"reqTime":        now,
+			"method":         "b2c.gatewaypay.orderRefund",
+			"version":        "1",
+			"merchantId":     c.cfg.MerchantId,
+			"appID":          c.cfg.AppID,
+			"accessType":     "API",
+			"reserve":        "",
+		},
+		"body": map[string]interface{}{
+			"busiMainId":   BusiMainId,
+			"reqTransTime": now,
+			"data": map[string]string{
+				"txnCode":    "1003",
+				"sourceId":   "16",
+				"reqTraceId": req.OrderNo + now[:8],
+				"reqDate":    now[:8],
+				"mchtNo":     c.cfg.MchtNo,
+				"orgTxnSeq":  req.OrgTxnSeq,
+				"txnAmt":     req.Price,
+				"orgTxnAmt":  req.Price,
+				"refundDesc": "用户主动退款",
+			},
+		},
+	}
+
+	encryptedReq, err := EncryptRequest(requestBody, c.cfg)
+	if err != nil {
+		return nil, fmt.Errorf("加密请求失败: %v", err)
+	}
+
+	encryptedBytes, _ := json.Marshal(encryptedReq)
+	url := c.cfg.OrderHost + c.cfg.MerchantId + ".htm?partnerTxSriNo=" + BusiMainId
+
+	resp, err := http.Post(url, "application/json", bytes.NewReader(encryptedBytes))
+	if err != nil {
+		return nil, fmt.Errorf("请求失败: %v", err)
+	}
+	defer resp.Body.Close()
+
+	body, err := ioutil.ReadAll(resp.Body)
+	if err != nil {
+		return nil, fmt.Errorf("读取响应失败: %v", err)
+	}
+
+	responseData, err := c.DecryptResponse(string(body), false)
+	if err != nil {
+		return nil, fmt.Errorf("解密响应失败: %v", err)
+	}
+
+	var result RefundResponse
+	if err := json.Unmarshal([]byte(responseData), &result); err != nil {
+		return nil, fmt.Errorf("解析响应失败: %v", err)
+	}
+
+	return &result, nil
+}

app/third/paymentService/psbc/types.go

@@ -0,0 +1,122 @@
+package payment
+
+import (
+	"time"
+)
+
+// Config 支付配置
+type Config struct {
+	MerchantId   string
+	MchtNo       string
+	AppID        string
+	SopPublicKey string
+	PrivateKey   string
+	Pubkey       string
+	BankKey      string
+	Sha          string
+	ReturnUrl    string
+	SuccessUrl   string
+	NotifyUrl    string
+	ShowTitleBar string
+	LoginHost    string
+	OrderHost    string
+	FileHost     string
+	ShopId       string
+}
+
+// PaymentLinkRequest 生成支付链接请求
+type PaymentLinkRequest struct {
+	OrderNo     string
+	ProductName string
+	Price       string
+	BackUrl     string
+}
+
+// PaymentLinkResponse 生成支付链接响应
+type PaymentLinkResponse struct {
+	OrderNo   string `json:"order_no"`
+	NotifyUrl string `json:"notify_url"`
+	Sign      string `json:"sign"`
+	PlainText string `json:"plain_text"`
+	PayUrl    string `json:"pay_url"`
+}
+
+// OrderQueryRequest 订单查询请求
+type OrderQueryRequest struct {
+	OrderNo string
+}
+
+// OrderQueryResponse 订单查询响应
+type OrderQueryResponse struct {
+	OrderNo  string `json:"orderNo"`
+	OrderSta string `json:"orderSta"`
+	RespCode string `json:"code"`
+	RespMsg  string `json:"respMsg"`
+}
+
+// RefundRequest 退款请求
+type RefundRequest struct {
+	OrderNo    string
+	Price      string
+	OrgTxnSeq  string
+	RefundDesc string
+}
+
+// RefundResponse 退款响应
+type RefundResponse struct {
+	RespCode       string `json:"code"`
+	RespMsg        string `json:"respMsg"`
+	RefundOrderNo  string `json:"refundOrderNo"`
+	RefundOrderSta string `json:"refundOrderSta"`
+	TxnAmt         string `json:"txnAmt"`
+}
+
+// BillQueryRequest 对账单查询请求
+type BillQueryRequest struct {
+	Date time.Time
+}
+
+// BillQueryResponse 对账单查询响应
+type BillQueryResponse struct {
+	Files []map[string]interface{} `json:"files"`
+}
+
+// BillDownloadRequest 对账单下载请求
+type BillDownloadRequest struct {
+	FileId string
+	Date   time.Time
+}
+
+// NotifyRequest 回调通知请求
+type NotifyRequest struct {
+	Request     string `json:"request"`
+	Signature   string `json:"signature"`
+	AccessToken string `json:"accessToken"`
+	EncryptKey  string `json:"encryptKey"`
+}
+
+// NotifyResponse 回调通知响应
+type NotifyResponse struct {
+	RespCode string      `json:"respCode"`
+	RespMsg  string      `json:"respMsg"`
+	Data     interface{} `json:"data"`
+	LinkUrl  string      `json:"linkUrl"`
+}
+
+// OrderStatus 订单状态
+type OrderStatus string
+
+const (
+	OrderStatusWait      OrderStatus = "01"
+	OrderStatusSuccess   OrderStatus = "03"
+	OrderStatusFail      OrderStatus = "04"
+	OrderStatusCheckFail OrderStatus = "05"
+)
+
+// RefundStatus 退款状态
+type RefundStatus string
+
+const (
+	RefundStatusSuccess RefundStatus = "03"
+	RefundStatusFail    RefundStatus = "04"
+)

app/third/paymentService/psbc_service.go

@@ -0,0 +1,221 @@
+package paymentService
+
+import (
+	"PaymentCenter/app/third/paymentService/payCommon"
+	psbc "PaymentCenter/app/third/paymentService/psbc"
+	"PaymentCenter/config"
+	"context"
+	"errors"
+	"fmt"
+	"github.com/qit-team/snow-core/log/logger"
+	"strconv"
+)
+
+type PsbcPay struct {
+	MerchantId   string `json:"merchant_id"`    // 商户ID
+	MchtNo       string `json:"mcht_no"`        // 商户号
+	AppID        string `json:"app_id"`         // 应用ID
+	SopPublicKey string `json:"sop_public_key"` // SOP公钥
+	PrivateKey   string `json:"private_key"`    // 商户私钥
+	Pubkey       string `json:"pubkey"`         // 商户公钥
+	BankKey      string `json:"bank_key"`       // 银行公钥
+	Sha          string `json:"sha"`            // SHA密钥
+	ReturnUrl    string `json:"return_url"`     // 支付返回地址
+	SuccessUrl   string `json:"success_url"`    // 支付成功地址
+	NotifyUrl    string `json:"notify_url"`     // 回调通知地址
+	ShowTitleBar string `json:"show_title_bar"` // 是否显示标题栏
+	LoginHost    string `json:"login_host"`     // 登录服务地址
+	OrderHost    string `json:"order_host"`     // 订单服务地址
+	FileHost     string `json:"file_host"`      // 文件服务地址
+	ShopId       string `json:"shop_id"`        // 店铺ID
+}
+
+func PsbcInitClient(psbcConfig PsbcPay) *psbc.Client {
+	cfg := psbc.Config{
+		MerchantId:   psbcConfig.MerchantId,
+		MchtNo:       psbcConfig.MchtNo,
+		AppID:        psbcConfig.AppID,
+		SopPublicKey: psbcConfig.SopPublicKey,
+		PrivateKey:   psbcConfig.PrivateKey,
+		Pubkey:       psbcConfig.Pubkey,
+		BankKey:      psbcConfig.BankKey,
+		Sha:          psbcConfig.Sha,
+		ReturnUrl:    psbcConfig.ReturnUrl,
+		SuccessUrl:   psbcConfig.SuccessUrl,
+		NotifyUrl:    psbcConfig.NotifyUrl,
+		ShowTitleBar: psbcConfig.ShowTitleBar,
+		LoginHost:    psbcConfig.LoginHost,
+		OrderHost:    psbcConfig.OrderHost,
+		FileHost:     psbcConfig.FileHost,
+		ShopId:       psbcConfig.ShopId,
+	}
+	return psbc.NewClient(cfg)
+}
+
+func PsbcPayInfo(c context.Context, payOrderRequest PayOrderRequest) (string, error) {
+	envConfig := config.GetConf()
+	notifyUrl := fmt.Sprintf(envConfig.PayService.Host+payCommon.PSBC_NOTIFY_URL_TEST+"%d", payOrderRequest.PayChannelId)
+
+	psbcConfig := payOrderRequest.Psbc
+	psbcConfig.NotifyUrl = notifyUrl
+	psbcClient := PsbcInitClient(psbcConfig)
+
+	amount := fmt.Sprintf("%.2f", float64(payOrderRequest.Amount)/100.0)
+	orderNo := strconv.FormatInt(payOrderRequest.OrderId, 10)
+
+	req := psbc.PaymentLinkRequest{
+		OrderNo:     orderNo,
+		ProductName: payOrderRequest.Description,
+		Price:       amount,
+		BackUrl:     payOrderRequest.ReturnUrl,
+	}
+
+	resp, err := psbcClient.CreatePaymentLink(req)
+	if err != nil {
+		logger.Error(c, "PsbcPayInfo 发生错误", fmt.Sprintf("错误信息：%s", err.Error()))
+		return "", err
+	}
+	return resp.PayUrl, nil
+}
+
+func PsbcOrderQuery(ctx context.Context, psbcConfig PsbcPay, orderNo string) (PayOrderQueryInfo, error) {
+	psbcClient := PsbcInitClient(psbcConfig)
+
+	resp, err := psbcClient.OrderQuery(orderNo)
+	if err != nil {
+		logger.Error(ctx, "PsbcOrderQuery 发生错误", fmt.Sprintf("错误信息：%s", err.Error()))
+		return PayOrderQueryInfo{}, err
+	}
+
+	tradeState := "NOTPAY"
+	tradeStateDesc := ""
+	switch resp.OrderSta {
+	case "03":
+		tradeState = "SUCCESS"
+		tradeStateDesc = "支付成功"
+	case "04", "05":
+		tradeState = "FAIL"
+		tradeStateDesc = "支付失败"
+	default:
+		tradeState = "NOTPAY"
+		tradeStateDesc = "未支付"
+	}
+
+	amountTotal := int64(0)
+	payerTotal := int64(0)
+
+	outTradeNo, _ := strconv.ParseInt(orderNo, 10, 64)
+	return PayOrderQueryInfo{
+		AppId:          psbcConfig.AppID,
+		OutTradeNo:     outTradeNo,
+		TransactionId:  "",
+		TradeState:     tradeState,
+		TradeStateDesc: tradeStateDesc,
+		SuccessTime:    "",
+		AmountTotal:    amountTotal,
+		PayerTotal:     payerTotal,
+	}, nil
+}
+
+func PsbcRefundOrder(ctx context.Context, orderRefundRequest OrderRefundRequest) (OrderRefundInfo, error) {
+	psbcClient := PsbcInitClient(orderRefundRequest.Psbc)
+
+	refundAmount := fmt.Sprintf("%.2f", float64(orderRefundRequest.RefundAmount)/100.0)
+	orderNo := strconv.FormatInt(orderRefundRequest.OrderId, 10)
+
+	req := psbc.RefundRequest{
+		OrderNo:    orderNo,
+		Price:      refundAmount,
+		OrgTxnSeq:  orderRefundRequest.TransactionId,
+		RefundDesc: orderRefundRequest.RefundReason,
+	}
+
+	resp, err := psbcClient.Refund(req)
+	if err != nil {
+		logger.Error(ctx, "PsbcRefundOrder 发生错误", fmt.Sprintf("申请退款接口失败，错误信息：%s", err.Error()))
+		return OrderRefundInfo{}, err
+	}
+
+	refundStatus := payCommon.PAY_REFUND_STATU_COMMON
+	switch resp.RefundOrderSta {
+	case "03":
+		refundStatus = payCommon.PAY_REFUND_STATU_SUCCESS
+	case "04":
+		refundStatus = payCommon.PAY_REFUND_STATU_FAIL
+	}
+
+	refundFee := int64(0)
+	if resp.TxnAmt != "" {
+		amountFloat, err := strconv.ParseFloat(resp.TxnAmt, 64)
+		if err == nil {
+			refundFee = int64(amountFloat * 100)
+		}
+	}
+
+	return OrderRefundInfo{
+		OutTradeNo:        orderRefundRequest.OrderId,
+		TransactionId:     resp.RefundOrderNo,
+		RefundFee:         refundFee,
+		RefundOrderId:     orderRefundRequest.RefundOrderId,
+		RefundStatus:      refundStatus,
+		RefundSuccessTime: "",
+	}, nil
+}
+
+func PsbcCloseOrder(ctx context.Context, orderCloseRequest OrderCloseRequest) (OrderCloseInfo, error) {
+	return OrderCloseInfo{
+		OutTradeNo: orderCloseRequest.OrderId,
+	}, nil
+}
+
+func PsbcVerifyAndParseNotify(rawBody string, psbcConfig PsbcPay) (orderId int64, amountTotal int64, payerTotal int64, status string, err error) {
+	psbcClient := PsbcInitClient(psbcConfig)
+
+	result, err := psbcClient.VerifyAndParseNotify(rawBody)
+	if err != nil {
+		logger.Error(context.Background(), "PsbcVerifyAndParseNotify 发生错误", fmt.Sprintf("验签解密失败，错误信息：%s", err.Error()))
+		return 0, 0, 0, "", err
+	}
+
+	orderNoStr := ""
+	if orderNo, ok := result["orderNo"].(string); ok {
+		orderNoStr = orderNo
+	}
+	if orderNoStr == "" {
+		return 0, 0, 0, "", errors.New("回调数据中缺少订单号")
+	}
+
+	orderId, err = strconv.ParseInt(orderNoStr, 10, 64)
+	if err != nil {
+		logger.Error(context.Background(), "PsbcVerifyAndParseNotify 发生错误", fmt.Sprintf("订单号转换失败，错误信息：%s", err.Error()))
+		return 0, 0, 0, "", err
+	}
+
+	amountStr := ""
+	if amount, ok := result["amount"].(string); ok {
+		amountStr = amount
+	}
+	if amountStr != "" {
+		amountFloat, err := strconv.ParseFloat(amountStr, 64)
+		if err == nil {
+			amountTotal = int64(amountFloat * 100)
+			payerTotal = amountTotal
+		}
+	}
+
+	orderSta := ""
+	if sta, ok := result["orderSta"].(string); ok {
+		orderSta = sta
+	}
+
+	switch orderSta {
+	case "03":
+		status = "SUCCESS"
+	case "04", "05":
+		status = "FAIL"
+	default:
+		status = "NOTPAY"
+	}
+
+	return orderId, amountTotal, payerTotal, status, nil
+}

app/utils/util.go

@@ -457,33 +457,13 @@ func PayType(payChannel int) int {
 		return common.PAY_CHANNLE_TYPE_WECHAT
 	case common.PAY_CHANNEL_ALIPAY_JSAPI, common.PAY_CHANNEL_ALIPAY_WEB, common.PAY_CHANNEL_ALIPAY_MINI, common.PAY_CHANNEL_ALIPAY_PC:
 		return common.PAY_CHANNLE_TYPE_ZFB
+	case common.PAY_CHANNEL_PSBC:
+		return common.PAY_CHANNLE_TYPE_PSBC
 	default:
 		return 0
 	}
 }
 
-// redis控制访问频率
-func KeyExistsOrSet(key string, expire int) bool {
-	redisClient := redis.GetRedis()
-
-	// 假设Exists方法返回的是int64类型，表示键是否存在（0为不存在，1为存在）
-	if exists, err := redisClient.Exists(context.Background(), key).Result(); err == nil && exists == 1 {
-		return true
-	} else if err != nil {
-		// 处理错误情况，可以根据实际情况记录日志或返回错误
-		Log(nil, "redis_Exists异常", err)
-		return false
-	}
-
-	// 如果键不存在，则设置键并返回false
-	if err := redisClient.SetEX(context.Background(), key, "", time.Duration(expire)*time.Second).Err(); err != nil {
-		// 处理设置键时的错误情况
-		Log(nil, "redis_SetEX异常", err)
-		return false
-	}
-	return false
-}
-
 // AcquireLock 尝试获取分布式锁,localValue用于检测是否是同一个客户端持有的锁锁
 func AcquireLock(key, lockValue string, expired time.Duration) (bool, error) {
 	ctx := context.Background()

logs/.gitignore

@@ -1,2 +0,0 @@
-*
-!.gitignore