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我在微信公众号关注XX分期购现金贷款 8000元 ，现已逾期近八个月抓人吧？您好，我在微信公众号关注XX分期购现金贷款 8000元 ，现已逾期近八个月，已经将近 13800元 ，不还款有什么不良后果？ 是不是会一直高额利息往上增加？然后征信黑了？会惊动公安局调查我么？现实中会有黑道儿的人催我还款么？等现实中的催款措施？是不是只征信黑了？现实中低催款信，不会调查？抓人吧？提问者：ask****|联系手机：158********|河北-保定| 11:48
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用户行为分析：用户进行阅读文章后咨询律师用户与律师的沟通效率可提35.7% !微信公众号开发——现金红包、企业付款 - 博客频道 - CSDN.NET
分类：微信公众号开发
先说现金红包
微信商户平台配置
设置基本就是如上图
普通红包 目前支持向指定微信用户的openid发放指定金额红包
单个红包金额介于[1.00元，200.00元]之间
public ActionResult Index()
string nonce_str = Common.GetRandomStr(32);
string mch_id = "";
string timeStamp = Common.GetTimeStamp();
string mch_billno = mch_id + DateTime.Now.ToString("yyyyMMdd") + timeS
string wxappid = "wx1bd37";
string send_name = "平安江南";
string re_openid = "oNIwAtD8dekn1LzBpQdsL9pLSj5g";
double fee = 1.25;
int total_amount = int.Parse((fee * 100).ToString());
int total_num = 1;
string wishing = "感谢您对我们工作的支持";
string client_ip = "61.130.145.142";
string act_name = "流动人口登记";
string remark = "祝您天天愉快";
string KEY = "2Bp913RacktcjajM5grZH8qHn4IKzPKJ";
Dictionary&string, string& dic = OrdinaryRedPack.CreateSignatureParamsDic(nonce_str, mch_billno, mch_id, wxappid, send_name, re_openid, total_amount.ToString(), total_num.ToString(), wishing, client_ip, act_name, remark);
string sign = SafetySpecification.SignatureCompute(dic, KEY);
string data = OrdinaryRedPack.CreatePostData(nonce_str, sign, mch_billno, mch_id, wxappid, send_name, re_openid, total_amount.ToString(), total_num.ToString(), wishing, client_ip, act_name, remark);
#region 证书放到服务器固定位置
string url = "https://api.mch./mmpaymkttransfers/sendredpack";
string cert = @"E:\wwwroot\\web\cert\apiclient_cert.p12";
string password = "";
ServicePointManager.ServerCertificateValidationCallback = new RemoteCertificateValidationCallback(CheckValidationResult);
X509Certificate2 cert1 = new X509Certificate2(cert, password, X509KeyStorageFlags.PersistKeySet | X509KeyStorageFlags.MachineKeySet);
#endregion
#region 发起post请求
HttpWebRequest webrequest = (HttpWebRequest)HttpWebRequest.Create(url);
webrequest.ClientCertificates.Add(cert1);
webrequest.Method = "post";
byte[] postdatabyte = Encoding.UTF8.GetBytes(data);
webrequest.ContentLength = postdatabyte.L
stream = webrequest.GetRequestStream();
stream.Write(postdatabyte, 0, postdatabyte.Length);
stream.Close();
HttpWebResponse httpWebResponse = (HttpWebResponse)webrequest.GetResponse();
StreamReader streamReader = new StreamReader(httpWebResponse.GetResponseStream());
string responseContent = streamReader.ReadToEnd();
#endregion
ViewBag.Sign =
ViewBag.Res = responseC
return View();
private static bool CheckValidationResult(object sender, X509Certificate certificate, X509Chain chain, SslPolicyErrors errors)
if (errors == SslPolicyErrors.None)
return true;
return false;
public ActionResult Index2()
string nonce_str = Common.GetRandomStr(32);
string mch_id = "";
string timeStamp = Common.GetTimeStamp();
string mch_billno = mch_id + DateTime.Now.ToString("yyyyMMdd") + timeS
string wxappid = "wx1bd37";
string send_name = "平安江南";
string re_openid = "oNIwAtDti5FSBpn45qReOVphvqeg";
double fee = 10;
int total_amount = int.Parse((fee * 100).ToString());
int total_num = 10;
string amt_type = "ALL_RAND";
string wishing = "感谢您对我们工作的支持";
string act_name = "流动人口登记";
string remark = "祝您天天愉快";
string KEY = "2Bp913RacktcjajM5grZH8qHn4IKzPKJ";
Dictionary&string, string& dic = FissionRedPack.CreateSignatureParamsDic(nonce_str, mch_billno, mch_id, wxappid, send_name, re_openid, total_amount.ToString(), total_num.ToString(),amt_type, wishing, act_name, remark);
string sign = SafetySpecification.SignatureCompute(dic, KEY);
string data = FissionRedPack.CreatePostData(sign,mch_billno,mch_id,wxappid,send_name,re_openid,total_amount.ToString(),amt_type,total_num.ToString(),wishing,act_name,remark,nonce_str);
string url = "https://api.mch./mmpaymkttransfers/sendgroupredpack";
string cert = @"E:\wwwroot\\web\cert\apiclient_cert.p12";
string password = "";
ServicePointManager.ServerCertificateValidationCallback = new RemoteCertificateValidationCallback(CheckValidationResult);
X509Certificate2 cer = new X509Certificate2(cert, password, X509KeyStorageFlags.PersistKeySet | X509KeyStorageFlags.MachineKeySet);
#region 发起post请求
HttpWebRequest webrequest = (HttpWebRequest)HttpWebRequest.Create(url);
webrequest.ClientCertificates.Add(cer);
webrequest.Method = "post";
byte[] postdatabyte = Encoding.UTF8.GetBytes(data);
webrequest.ContentLength = postdatabyte.L
stream = webrequest.GetRequestStream();
stream.Write(postdatabyte, 0, postdatabyte.Length);
stream.Close();
HttpWebResponse httpWebResponse = (HttpWebResponse)webrequest.GetResponse();
StreamReader streamReader = new StreamReader(httpWebResponse.GetResponseStream());
string responseContent = streamReader.ReadToEnd();
#endregion
ViewBag.Sign =
ViewBag.Res = responseC
return View();
企业付款，微信商户平台配置也差不多
public ActionResult Index3()
string mch_appid = "wx1bd37";
string mchid = "";
string nonce_str = Common.GetRandomStr(32);
string timeStamp = Common.GetTimeStamp();
string partner_trade_no = mchid + DateTime.Now.ToString("yyyyMMdd") + timeS
string openid = "oNIwAtD8dekn1LzBpQdsL9pLSj5g";
string check_name = "OPTION_CHECK";
string re_user_name = "徐建兵";
double fee = 1;
int amount = int.Parse((fee * 100).ToString());
string desc = "理赔";
string spbill_create_ip = "61.130.145.142";
string KEY = "2Bp913RacktcjajM5grZH8qHn4IKzPKJ";
Dictionary&string, string& dic = EnterprisePlay.CreateSignatureParamsDic(mch_appid, mchid, nonce_str, partner_trade_no, openid, check_name, re_user_name, amount.ToString(), desc, spbill_create_ip);
string sign = SafetySpecification.SignatureCompute(dic, KEY);
string data = EnterprisePlay.CreatePostData(mch_appid, mchid, nonce_str, partner_trade_no, openid, check_name, re_user_name, amount.ToString(), desc, spbill_create_ip, sign);
string url = "https://api.mch./mmpaymkttransfers/promotion/transfers";
string cert = @"E:\wwwroot\\web\cert\apiclient_cert.p12";
string password = "";
ServicePointManager.ServerCertificateValidationCallback = new RemoteCertificateValidationCallback(CheckValidationResult);
X509Certificate2 cer = new X509Certificate2(cert, password, X509KeyStorageFlags.PersistKeySet | X509KeyStorageFlags.MachineKeySet);
#region 发起post请求
HttpWebRequest webrequest = (HttpWebRequest)HttpWebRequest.Create(url);
webrequest.ClientCertificates.Add(cer);
webrequest.Method = "post";
byte[] postdatabyte = Encoding.UTF8.GetBytes(data);
webrequest.ContentLength = postdatabyte.L
stream = webrequest.GetRequestStream();
stream.Write(postdatabyte, 0, postdatabyte.Length);
stream.Close();
HttpWebResponse httpWebResponse = (HttpWebResponse)webrequest.GetResponse();
StreamReader streamReader = new StreamReader(httpWebResponse.GetResponseStream());
string responseContent = streamReader.ReadToEnd();
#endregion
ViewBag.Sign =
ViewBag.Res = responseC
return View();
以下是上面代码中用到的类库
SafetySpecification 安全规范类
using System.Collections.G
using System.L
using System.Security.C
using System.T
using System.Threading.T
public class SafetySpecification
微信商户平台(pay.)账户设置API安全密钥设置
public static string SignatureCompute(Dictionary&string, string& dic, string Key)
#region 3-1.签名参数 按照字段名的ASCII 码从小到大排序（字典序）后
string[] arrkey = new string[dic.Keys.Count];
int i = 0;
foreach (string key in dic.Keys)
arrkey[i] =
arrkey = arrkey.OrderBy(n =& n).ToArray();
#endregion
#region 3-2.使用URL键值对的格式（即key1=value1&key2=value2…）拼接成字符串string1
string stringA = "";
foreach (string key in arrkey)
stringA += key + "=" + dic[key] + "&";
stringA = stringA.Substring(0, stringA.Length - 1);
#endregion
string stringSignTemp = stringA + "&key=" + K
string sign = MD5(stringSignTemp).ToUpper();
把字符串进行MD5计算
private static string MD5(string stringSignTemp)
string cl = stringSignT
string pwd = "";
System.Security.Cryptography.MD5 md5 = System.Security.Cryptography.MD5.Create();
byte[] s = puteHash(Encoding.UTF8.GetBytes(cl));
for (int i = 0; i & s.L i++)
pwd = pwd + s[i].ToString("x2");
OrdinaryRedPack 普通红包类
using System.Collections.G
using System.L
using System.T
using System.Threading.T
namespace WeiXinBusiness.redpack
/// 普通红包
public class OrdinaryRedPack
/// 创建 签名参数字典
name="nonce_str"&随机字符串&
name="mch_billno"&商户订单号(详见开发文档)&
name="mch_id"&商户号&
name="wxappid"&公众账号appid&
name="send_name"&商户名称&
name="re_openid"&用户openid&
name="total_amount"&付款金额(单位分)&
name="total_num"&红包发放总人数&
name="wishing"&红包祝福语&
name="client_ip"&Ip地址&
name="act_name"&活动名称&
name="remark"&备注&
name="scene_id"&场景id(详见开发文档)&
name="risk_info"&活动信息(详见开发文档)&
name="consume_mch_id"&资金授权商户号(服务商替特约商户发放时使用)&
public static Dictionary string& CreateSignatureParamsDic(string nonce_str, string mch_billno, string mch_id, string wxappid, string send_name, string re_openid, string total_amount, string total_num, string wishing, string client_ip, string act_name, string remark, string scene_id = "", string risk_info = "", string consume_mch_id = "")
Dictionary string& dic = new Dictionary string&();
dic.Add("nonce_str", nonce_str);
dic.Add("mch_billno", mch_billno);
dic.Add("mch_id", mch_id);
dic.Add("wxappid", wxappid);
dic.Add("send_name", send_name);
dic.Add("re_openid", re_openid);
dic.Add("total_amount", total_amount);
dic.Add("total_num", total_num);
dic.Add("wishing", wishing);
dic.Add("client_ip", client_ip);
dic.Add("act_name", act_name);
dic.Add("remark", remark);
if (!string.IsNullOrEmpty(scene_id))
dic.Add("scene_id", scene_id);
if (!string.IsNullOrEmpty(risk_info))
dic.Add("risk_info", risk_info);
if (!string.IsNullOrEmpty(consume_mch_id))
dic.Add("consume_mch_id", consume_mch_id);
/// 创建post数据
name="nonce_str"&&
name="sign"&&
name="mch_billno"&&
name="mch_id"&&
name="wxappid"&&
name="send_name"&&
name="re_openid"&&
name="total_amount"&&
name="total_num"&&
name="wishing"&&
name="client_ip"&&
name="act_name"&&
name="remark"&&
name="scene_id"&&
name="risk_info"&&
name="consume_mch_id"&&
public static string CreatePostData(string nonce_str, string sign, string mch_billno, string mch_id, string wxappid, string send_name, string re_openid, string total_amount, string total_num, string wishing, string client_ip, string act_name, string remark, string scene_id = "", string risk_info = "", string consume_mch_id = "")
string str = "";
str += "&";
str += "&&![CDATA[" + sign + "]]&&";
str += "&&![CDATA[" + mch_billno + "]]&&";
str += "&&![CDATA[" + mch_id + "]]&&";
str += "&&![CDATA[" + wxappid + "]]&&";
str += "&&![CDATA[" + send_name + "]]&&";
str += "&&![CDATA[" + re_openid + "]]&&";
str += "&&![CDATA[" + total_amount + "]]&&";
str += "&&![CDATA[" + total_num + "]]&&";
str += "&&![CDATA[" + wishing + "]]&&";
str += "&&![CDATA[" + client_ip + "]]&&";
str += "&&![CDATA[" + act_name + "]]&&";
str += "&&![CDATA[" + remark + "]]&&";
if (!string.IsNullOrEmpty(scene_id))
str += "&&![CDATA[" + scene_id + "]]&&";
if (!string.IsNullOrEmpty(consume_mch_id))
str += "&&![CDATA[" + consume_mch_id + "]]&&";
str += "&&![CDATA[" + nonce_str + "]]&&";
if (!string.IsNullOrEmpty(risk_info))
str += "&" + risk_info + "&";
str += "&";
FissionRedPack 裂变红包类
using System.Collections.G
using System.L
using System.T
using System.Threading.T
namespace WeiXinBusiness.redpack
/// 裂变红包
public class FissionRedPack
/// 创建 签名参数字典
name="nonce_str"&随机字符串&
name="mch_billno"&商户订单号(详见开发文档)&
name="mch_id"&商户号&
name="wxappid"&公众账号appid&
name="send_name"&商户名称&
name="re_openid"&用户openid&
name="total_amount"&付款金额(单位分)&
name="total_num"&红包发放总人数&
name="amt_type"&红包金额设置方式&
name="wishing"&红包祝福语&
name="act_name"&活动名称&
name="remark"&备注&
name="scene_id"&场景id(详见开发文档)&
name="risk_info"&活动信息(详见开发文档)&
name="consume_mch_id"&资金授权商户号(服务商替特约商户发放时使用)&
public static Dictionary string& CreateSignatureParamsDic(string nonce_str, string mch_billno, string mch_id, string wxappid, string send_name, string re_openid, string total_amount, string total_num,string amt_type, string wishing,
string act_name, string remark, string scene_id = "", string risk_info = "", string consume_mch_id = "")
Dictionary string& dic = new Dictionary string&();
dic.Add("nonce_str", nonce_str);
dic.Add("mch_billno", mch_billno);
dic.Add("mch_id", mch_id);
dic.Add("wxappid", wxappid);
dic.Add("send_name", send_name);
dic.Add("re_openid", re_openid);
dic.Add("total_amount", total_amount);
dic.Add("total_num", total_num);
dic.Add("amt_type", amt_type);
dic.Add("wishing", wishing);
dic.Add("act_name", act_name);
dic.Add("remark", remark);
if (!string.IsNullOrEmpty(scene_id))
dic.Add("scene_id", scene_id);
if (!string.IsNullOrEmpty(risk_info))
dic.Add("risk_info", risk_info);
if (!string.IsNullOrEmpty(consume_mch_id))
dic.Add("consume_mch_id", consume_mch_id);
/// 创建post数据
name="nonce_str"&&
name="sign"&&
name="mch_billno"&&
name="mch_id"&&
name="wxappid"&&
name="send_name"&&
name="re_openid"&&
name="total_amount"&&
name="total_num"&&
name="wishing"&&
name="client_ip"&&
name="act_name"&&
name="remark"&&
name="scene_id"&&
name="risk_info"&&
name="consume_mch_id"&&
public static string CreatePostData(string sign, string mch_billno, string mch_id, string wxappid, string send_name, string re_openid, string total_amount, string amt_type, string total_num, string wishing, string act_name, string remark, string nonce_str,
string scene_id = "", string risk_info = "", string consume_mch_id = "")
string str = "";
str += "&";
str += "&&![CDATA[" + sign + "]]&&";
str += "&&![CDATA[" + mch_billno + "]]&&";
str += "&&![CDATA[" + mch_id + "]]&&";
str += "&&![CDATA[" + wxappid + "]]&&";
str += "&&![CDATA[" + send_name + "]]&&";
str += "&&![CDATA[" + re_openid + "]]&&";
str += "&&![CDATA[" + total_amount + "]]&&";
str += "&&![CDATA[" + amt_type + "]]&& ";
str += "&&![CDATA[" + total_num + "]]&&";
str += "&&![CDATA[" + wishing + "]]&&";
str += "&&![CDATA[" + act_name + "]]&&";
str += "&&![CDATA[" + remark + "]]&&";
if (!string.IsNullOrEmpty(scene_id))
str += "&&![CDATA[" + scene_id + "]]&&";
if (!string.IsNullOrEmpty(consume_mch_id))
str += "&&![CDATA[" + consume_mch_id + "]]&&";
str += "&&![CDATA[" + nonce_str + "]]&&";
if (!string.IsNullOrEmpty(risk_info))
str += "&" + risk_info + "&";
str += "&";
EnterprisePlay 企业支付类
using System.Collections.G
using System.L
using System.T
using System.Threading.T
namespace WeiXinBusiness.enterprise_play
public class EnterprisePlay
创建 签名参数字典
公众账号appid
32位随机数
商户订单号
用户openid
校验用户姓名选项
收款用户姓名
企业付款描述信息
调用接口的机器Ip地址
public static Dictionary&string, string& CreateSignatureParamsDic(string mch_appid, string mchid, string nonce_str, string partner_trade_no, string openid, string check_name, string re_user_name, string amount, string desc, string spbill_create_ip)
Dictionary&string, string& dic = new Dictionary&string, string&();
dic.Add("mch_appid", mch_appid);
dic.Add("mchid", mchid);
dic.Add("nonce_str", nonce_str);
dic.Add("partner_trade_no", partner_trade_no);
dic.Add("openid", openid);
dic.Add("check_name", check_name);
dic.Add("re_user_name", re_user_name);
dic.Add("amount", amount);
dic.Add("desc", desc);
dic.Add("spbill_create_ip", spbill_create_ip);
创建post数据
公众账号appid
32位随机数
商户订单号
用户openid
校验用户姓名选项
收款用户姓名
企业付款描述信息
调用接口的机器Ip地址
public static string CreatePostData(string mch_appid, string mchid, string nonce_str, string partner_trade_no, string openid, string check_name, string re_user_name, string amount, string desc, string spbill_create_ip, string sign)
string str = "";
str += "&xml&";
str += "&mch_appid&" + mch_appid + "&/mch_appid&";
str += "&mchid&" + mchid + "&/mchid&";
str += "&nonce_str&" + nonce_str + "&/nonce_str&";
str += "&partner_trade_no&" + partner_trade_no + "&/partner_trade_no&";
str += "&openid&" + openid + "&/openid&";
str += "&check_name&" + check_name + "&/check_name&";
str += "&re_user_name&" + re_user_name + "&/re_user_name&";
str += "&amount&" + amount + "&/amount&";
str += "&desc&" + desc + "&/desc&";
str += "&spbill_create_ip&" + spbill_create_ip + "&/spbill_create_ip&";
str += "&sign&" + sign + "&/sign&";
str += "&/xml&";
排名：千里之外
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