• 手机网银Android接入开发包
  • 手机网银Android接入开发包
• 手机网银IOS接入开发包
  • 手机网银IOS接入开发包

iOS-手机银行API移动端对接

一、app配置银行Scheme

二、跳转银行方式

1、app跳转网银

判断是否安装银行app

- (BOOL)openBanAppWithAppScheme:(NSString *)scheme
{
    NSURL *url = [NSURL URLWithString:scheme];
    BOOL isCanOpen = [[UIApplication sharedApplication] canOpenURL:url];
    if (isCanOpen) {
#ifdef NSFoundationVersionNumber_iOS_10_0
        [[UIApplication sharedApplication] openURL:url options:@{} completionHandler:^(BOOL success) {
        }];
#else
        [[UIApplication sharedApplication] openURL:url];
#endif
        [self goBackToRoot];
    }else
    {
        [[BFMobileQuickPayAlertView sharedInstance] showAlertController:self title:nil message:@"请下载APP" cancelTitle:@"确定" actionBlock:^(NSInteger buttonTag) {
        } otherButtonTitles:nil, nil];
        return YES;
    }
    return isCanOpen;
}

判断打开app还是h5支付

- (void)openBankWithParams:(id)params reqUrl:(NSString *)reqUrl orderId:(NSString *)orderId
{
    if ([reqUrl hasPrefix:@"https://"] || [reqUrl hasPrefix:@"http://"]) {
        //h5链接 走WKWebView
        NSMutableArray *paramsMutable = [NSMutableArray arrayWithArray:params];
        if ([self.selectedModel.functionId isEqualToString:gsBank_debit]||[self.selectedModel.functionId isEqualToString:gsBank_credit]) {
// 工商银行特殊处理
            NSURL *url = [NSURL URLWithString:@"com.icbc.iphoneclient://"];
            BOOL isCanOpen = [[UIApplication sharedApplication] canOpenURL:url];
            if (isCanOpen) {
                [paramsMutable addObject:@{@"fieldName":@"clientType",@"filedValue":@"1"}];
            }else
            {
                [paramsMutable addObject:@{@"fieldName":@"clientType",@"filedValue":@"0"}];
            }
        }
        BFMobileQuickPayWebViewController *webVC = [BFMobileQuickPayWebViewController new];
        webVC.urlString = reqUrl;
        webVC.postParams = paramsMutable;
        webVC.bankPay = YES;
        [self.navigationController pushViewController:webVC animated:YES];
    }else
    {
        //唤醒app
        if ([params count]>0) {
            //app柜台
            NSDictionary *paramsDict = params[0];
            NSString *fieldName = paramsDict[@"fieldName"];
            NSString *filedValue = paramsDict[@"filedValue"];
            NSString * charaters = @"?!@#$^&%*+,:;='\"`<>()[]{}/\\| ";
            NSCharacterSet * set = [[NSCharacterSet characterSetWithCharactersInString:charaters] invertedSet];
            filedValue = [filedValue stringByAddingPercentEncodingWithAllowedCharacters:set];;
            if ([self.selectedModel.functionId isEqualToString:paBank_debit]||[self.selectedModel.functionId isEqualToString:paBank_credit]) {
// 平安银行兼容处理
                NSString *url = @"https%3A%2F%2Fb.pingan.com.cn%2Fpay%2Fpeps%2Fgateway%2Fkoudai-payment.html";
                reqUrl = [NSString stringWithFormat:@"paesuperbank://?url=%@&extra=1&AD=0&%@=%@",url,fieldName,filedValue];
            }else
            {
                reqUrl = [NSString stringWithFormat:@"%@&%@=%@",reqUrl,fieldName,filedValue];
            }
        }
        if (![self openBanAppWithAppScheme:reqUrl]) {
            BFMobileQuickPayWebViewController *webVC = [BFMobileQuickPayWebViewController new];
            webVC.urlString = reqUrl;
            webVC.postParams = params;
            webVC.bankPay = YES;
            [self.navigationController pushViewController:webVC animated:YES];
        }
    }
}

2、内置H5打开银行付款页面

表单提交JS

#define POST_JS @"function my_post(path, params) {\
var method = \"POST\";\
var form = document.createElement(\"form\");\
form.setAttribute(\"method\", method);\
form.setAttribute(\"action\", path);\
for(var key in params){\
    if (params.hasOwnProperty(key)) {\
        var hiddenFild = document.createElement(\"input\");\
        hiddenFild.setAttribute(\"type\", \"hidden\");\
        hiddenFild.setAttribute(\"name\", key);\
        hiddenFild.setAttribute(\"value\", params[key]);\
    }\
    form.appendChild(hiddenFild);\
}\
document.body.appendChild(form);\
form.submit();\
}"

打开WKWebView
//self.urlString self.postParams都是 下单返回的网联 银联参数
//加载H5

-(void)loadWebView
{
    [BFMobileQuickPayWebViewController clear];
    if (self.urlString.length==0) {
        return;
    }
    self.urlString = [NSString URLEncodedString:self.urlString];
    NSURLRequest *request = [[NSURLRequest alloc] initWithURL:[NSURL URLWithString:self.urlString]
                                                  cachePolicy:NSURLRequestReloadIgnoringLocalCacheData
                                              timeoutInterval:5];
    [_webView loadRequest:request];
    NSArray *array = (NSArray *)self.postParams;
    NSMutableDictionary *jsonRequestData = @{}.mutableCopy;
    for (NSDictionary *paramsDict in array) {
        NSString *fieldName = paramsDict[@"fieldName"];
        NSString *filedValue = paramsDict[@"filedValue"];
        [jsonRequestData setObject:filedValue forKey:fieldName];
    }
    if (jsonRequestData.count>0) {
        // 要传递的参数，（在开发中可以字典转成json字符串即可）
        NSString *jsonString = [[NSString alloc] initWithData:[NSJSONSerialization dataWithJSONObject:jsonRequestData options:NSJSONWritingPrettyPrinted error:nil] encoding:NSUTF8StringEncoding];
        jsonString = [jsonString stringByReplacingOccurrencesOfString:@"\n" withString:@""];
        jsonString = [jsonString stringByReplacingOccurrencesOfString:@" " withString:@""];

        NSString * dataStr = jsonString;
        // 发送的地址
        // 最终要执行的JS代码
        NSString * js = [NSString stringWithFormat:@"%@my_post(\"%@\", %@)",POST_JS,self.urlString,dataStr];
        DebugLog(@"js = %@",js);
        // 执行JS代码
        [self.webView evaluateJavaScript:js completionHandler:^(id _Nullable response, NSError * _Nullable error) {
            if (!error) { // 成功
                DebugLog(@"post成功：%@",response);
            } else { // 失败
                DebugLog(@"post失败：%@",error);
            }
        }];
    }
}

3、H5跳转APP支付

在WKWebView代理里面进行操作

- (void)webView:(WKWebView *)webView decidePolicyForNavigationAction:(WKNavigationAction *)navigationAction decisionHandler:(void (^)(WKNavigationActionPolicy))decisionHandler
{
    DebugLog(@"请求的地址是:%@",navigationAction.request.URL.absoluteString);
    if ([navigationAction.request.URL.absoluteString rangeOfString:@"http://gwrecv.baofoo.com/b2cbank/page/nucc"].location != NSNotFound) {
        //返回商户
        [self goBack];
        decisionHandler(WKNavigationActionPolicyCancel);
    }else if ([navigationAction.request.URL.absoluteString rangeOfString:@"https://mobile.abchina.com"].location != NSNotFound&&[navigationAction.request.URL.absoluteString rangeOfString:@"TOKEN="].location != NSNotFound)
{
农行特殊处理 需要提前引入农行的sdk
        NSString *tokenString = @"";
        NSArray *array = [navigationAction.request.URL.absoluteString componentsSeparatedByString:@"?"];
        if (array.count>1) {
            tokenString = array[1];
            NSArray *tokenArray = [tokenString componentsSeparatedByString:@"="];
            if (tokenArray.count>1) {
                NSString *TokenID = tokenArray[1];
                if ([[ABCAppCaller sharedAppCaller] isABCePayAvailable:@"bankabc://"]) {
                    [[ABCAppCaller sharedAppCaller] callBankABC:@"bankabc" param:[NSString stringWithFormat:@"CallbackID=mobile_quick_pay_app_demo&TokenID=%@&Method=pay",TokenID]];//如果已安装掌银则调起掌银，两个参数分别为掌银的URL标示以及送的参数，参数格式参考标准url传参格式
                    [self goBack];
                }
            }
        }
        decisionHandler(WKNavigationActionPolicyAllow);
    }
    else if (([navigationAction.request.URL.absoluteString rangeOfString:@"cmbnetpay://"].location != NSNotFound)||([navigationAction.request.URL.absoluteString rangeOfString:@"ccbmbswebunionpay://"].location != NSNotFound)||([navigationAction.request.URL.absoluteString rangeOfString:@"bocpay://"].location != NSNotFound)||([navigationAction.request.URL.absoluteString rangeOfString:@"com.icbc.iphoneclient://"].location != NSNotFound)||([navigationAction.request.URL.absoluteString rangeOfString:@"cebbank://"].location != NSNotFound))
    {
        BOOL isCanOpen = [[UIApplication sharedApplication] canOpenURL:navigationAction.request.URL];
        if (isCanOpen) {
#ifdef NSFoundationVersionNumber_iOS_10_0
            kWeakSelf(self)
            [[UIApplication sharedApplication] openURL:navigationAction.request.URL options:@{} completionHandler:^(BOOL success) {
                kStrongSelf(self)
            }];
#else
            [[UIApplication sharedApplication] openURL:navigationAction.request.URL];
#endif
            [self goBack];
        }
        decisionHandler(WKNavigationActionPolicyCancel);
    }
    else
    {
        decisionHandler(WKNavigationActionPolicyAllow);
    }
}

安卓-手机银行API移动端对接

1.需要单独判断是否安装APP,如果已安装则跳转APP，如果未安装则需要通过WebView进行加载处理。
2.WebView加载处理，（农业银行需要再Webview中特殊处理）跳转逻辑由银行H5进行处理。

一．通用Webview加载

1．WebView加载需要对返回参数进行处理，然后通过表单模式提交

/**
 * 加载H5
 * @param bankWebBean
 * @param intentRequestWay
 */
private void loadUrl(BankWebBean bankWebBean,String intentRequestWay){
    Map<String, String> map = new HashMap<>();
    map.put(bankWebBean.getFieldName(), bankWebBean.getFiledValue());
    String vaule = JsonUtils.toJsondisableHtmlEscaping(map);
    showProgess();
    if (intentRequestWay.equals("GET")) {
        wvShow.loadUrl(intentUrl + "?" + intentParams);//get请求
    } else if (intentRequestWay.equals("POST")) {
        wvShow.loadUrl("javascript:" + Constants.H5FormSubmit);
        wvShow.loadUrl("javascript:my_post('" + intentUrl + "','" + vaule + "')");
    } else {
        Toast.makeText(this, "请求方式参数错误", Toast.LENGTH_SHORT).show();
    }
}

public static final String H5FormSubmit  = "function my_post(path, params) {\n" +
        "var datas = JSON.parse(params);\n" +
        "var method = \"POST\";\n" +
        "var form = document.createElement(\"form\");\n" +
        "form.setAttribute(\"method\", method);\n" +
        "form.setAttribute(\"action\", path);\n" +
        "form.setAttribute(\"enctype\", \"application/x-www-fom-urlencoded\");\n" +
        "for(var key in datas){\n" +
        "    if (datas.hasOwnProperty(key)) {\n" +
        "        var hiddenFild = document.createElement(\"input\");\n" +
        "        hiddenFild.setAttribute(\"type\", \"hidden\");\n" +
        "        hiddenFild.setAttribute(\"name\", key);\n" +
        "        hiddenFild.setAttribute(\"value\", datas[key]);\n" +
        "    }\n" +
        "    form.appendChild(hiddenFild);\n" +
        "}\n" +
        "document.body.appendChild(form);\n" +
        "form.submit();\n" +
        "}";

2．在webview shouldOverrideUrlLoading中判断url是否为Http或者 https开头，如果是继续加载，如果不是，则跳转通过Uri跳转原生

二．农业银行

跳转农行APP需提前报备，相关报备信息请查看农业银行快e付报备模板.xlsx

1.引入农行jar包 bankabccaller.jar
2.再shouldINterceptRequest中拦截判断，然后跳转

@Override
public WebResourceResponse shouldInterceptRequest(WebView view, WebResourceRequest request) {
    if (request.getUrl().toString().contains("http://gwrecv.baofoo.com/b2cbank/page/nucc")) {
        finishCurrentActivity();
    }
    String url = request.getUrl().toString();
    if (url.contains("https://mobile.abchina.com") &&   //判断农业银行跳转
            url.contains("TOKEN=")) {
        JumpToBankApp.jumpToABCAPP(activity,request.getUrl().toString());
    }
    return super.shouldInterceptRequest(view, request);
}


/**
 * H5判断农行跳转
 * @param url
 */
public static void jumpToABCAPP(Activity activity,String url){
    if (JumpToBankApp.isABCAppInstaller(activity)) {  //农行逻辑处理
        String tokenId = url.split("=")[1];
        BankABCCaller.startBankABC(activity,
                activity.getPackageName(),
                "com.baofu.mobilequickpay.ui.activity.MobileBankPayActivity",
                "pay",
                tokenId);
        activity.setResult(EnvConfig.MOBILE_BANK_PAY_RESULT_CODE);
        activity.finish();
    }
}

/**
 * 判断农行是否安装
 * @param context
 * @return
 */
public static boolean isABCAppInstaller(Context context){
    /**
     * 判断手机上是否具备调起农行掌银的条件
     */
    if (BankABCCaller.isBankABCAvaiable((Activity) context)) {
        return true;
    } else {//客户手机未安装农行掌银APP的处理逻辑，由第三方APP自行实现
        return false;
    }
}

三．招商银行

1.根据包名判断是否安装app

public static boolean checkApkExist(Context context, String packageName){
    PackageManager manager = context.getPackageManager();
    List<PackageInfo> pkgList = manager.getInstalledPackages(0);
    for (int i = 0; i < pkgList.size(); i++) {
        PackageInfo pI = pkgList.get(i);
        if (pI.packageName.equalsIgnoreCase(packageName))
            return true;
    }
    return false;
}

2.如果已安装APP则通过跳转外部浏览器跳转招商APP

public static void callBankApp(Activity context,String url) {
    try {
        Intent intent = new Intent();
        Uri data = Uri.parse(url);
        intent.setData(data);
        intent.setAction("android.intent.action.VIEW");
        context.startActivityForResult(intent, EnvConfig.MOBILE_NATIVE_BANK_PAY_REQUEST_CODE);
    } catch (Exception e) {
        e.printStackTrace();
    }
}

3.未安装APP
跳转webview打开地址

四．平安银行

1.根据包名判断是否安装平安银行APP(同招商银行判断方式)
2.已安装，跳转平安银行app(跳转方式同招商银行)
平安银行跳转路径已经参数需要重新组装

public static String assemblyPingAnUrl(MobileBankPayResponse response){
    String pingAnURL = "paesuperbank://?url=https%3A%2F%2Fb.pingan.com.cn%2Fpay%2Fpeps%2Fgateway%2Fkoudai-payment.html&extra=1&AD=0&";
    for(int i = 0;i<response.getReqParams().size();i++){
        if(i == response.getReqParams().size()-1){
            pingAnURL = pingAnURL+response.getReqParams().get(i).getFieldName()+
                    "="+ URLEncoder.encode(response.getReqParams().get(i).getFiledValue());
        }else{
            pingAnURL = pingAnURL+response.getReqParams().get(i).getFieldName()+"="+
                    URLEncoder.encode(response.getReqParams().get(i).getFiledValue())+"&";
        }
    }
    return pingAnURL;
}

3.未安装通过webview加载