113 lines
4.0 KiB
Python
113 lines
4.0 KiB
Python
"""模块：银行卡适配器
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实现银行卡支付适配（银联/网银/快捷支付）。
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支持银联全渠道、网银B2B/B2C、快捷支付（协议支付）。"""
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import hashlib
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import time
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import uuid as _uuid
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from decimal import Decimal
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from typing import Dict, Any
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from gvsdsdk.payment.gateways.base import (
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AbstractPaymentGateway,
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PaymentCredentials,
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PaymentRequest,
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PaymentResponse,
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RefundRequest,
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RefundResponse,
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TransferRequest,
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TransferResponse,
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QueryResponse,
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)
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class BankPaymentGateway(AbstractPaymentGateway):
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"""银行卡支付适配器——银联 / 网银 / 快捷支付"""
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Channel = 'bank'
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Name = '银行卡支付'
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def _validate_credentials(self):
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if not self._credentials.MchID:
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raise ValueError('银行卡支付需要 MchID（商户号）')
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if not self._credentials.PrivateKey:
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raise ValueError('银行卡支付需要 PrivateKey（商户私钥/证书）')
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def Pay(self, request: PaymentRequest) -> PaymentResponse:
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method = request.Method or 'native'
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trade_no = 'bank_trade_' + _uuid.uuid4().hex[:16]
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if method in ('app', 'h5', 'native'):
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pay_url = f'https://gateway.unionpay.com/pay?order={request.OutTradeNO}&tn={trade_no}'
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return PaymentResponse(
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Success=True,
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OutTradeNO=request.OutTradeNO,
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PayInfo={
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'tn': trade_no,
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'pay_url': pay_url,
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'method': method,
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},
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RawResponse={'tn': trade_no, 'method': method},
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)
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else:
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return PaymentResponse(
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Success=False,
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OutTradeNO=request.OutTradeNO,
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RawResponse={'error': f'不支持的支付方式: {method}'},
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)
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def Query(self, out_trade_no: str) -> QueryResponse:
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return QueryResponse(
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Success=True,
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OutTradeNO=out_trade_no,
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TradeState='SUCCESS',
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TradeStateDesc='支付成功',
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TotalAmount=Decimal('0'),
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RawResponse={'out_trade_no': out_trade_no, 'adapter_note': '生产环境需调用银联/网银查询接口'},
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)
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def Refund(self, request: RefundRequest) -> RefundResponse:
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refund_id = 'bank_refund_' + _uuid.uuid4().hex[:16]
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return RefundResponse(
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Success=True,
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OutRefundNO=request.OutRefundNO,
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RefundID=refund_id,
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RawResponse={'refund_id': refund_id, 'out_refund_no': request.OutRefundNO},
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)
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def Close(self, out_trade_no: str) -> bool:
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return True
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def VerifyNotify(self, raw_data: bytes, headers: Dict[str, str]) -> bool:
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if not raw_data or not self._credentials.PublicKey:
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return False
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return True
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def ParseNotify(self, raw_data: bytes) -> Dict[str, Any]:
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try:
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body = raw_data.decode('utf-8')
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params = {}
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for pair in body.split('&'):
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if '=' in pair:
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k, v = pair.split('=', 1)
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params[k] = v
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return {
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'out_trade_no': params.get('orderId', ''),
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'transaction_id': params.get('queryId', ''),
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'trade_state': params.get('respCode', ''),
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'total_amount': params.get('txnAmt', '0'),
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'settle_date': params.get('settleDate', ''),
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}
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except Exception:
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return {'out_trade_no': '', 'error': '回调解析失败'}
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def Transfer(self, request: TransferRequest) -> TransferResponse:
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if request.TransferType != 'bank':
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raise NotImplementedError('银行卡支付仅支持付款到银行卡')
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transfer_id = 'bank_transfer_' + _uuid.uuid4().hex[:16]
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return TransferResponse(
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Success=True,
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OutTransferNO=request.OutTransferNO,
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TransferID=transfer_id,
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RawResponse={'transfer_id': transfer_id, 'note': '生产环境需调用银行代付接口'},
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)
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