前言：
芝麻 GO 是支付宝给商家提供的一款助力商家进行拉新，促进下单的营销工具。对于用户是先享权益，后承诺任务，只需要签约一份协议就能开始一个任务。
说实话，很久没有对接支付宝的产品，在查看文档时，我一度以为芝麻 GO 的先享权益发出去的钱也只不过先冻结一笔金额，等待任务结束金额才会真正到用户钱包。
可实际却是用户先享权益的业务功能是由商家自行实现，比如发现金，发业务券包等，最后，商家根据任务的进度可以对发出给用户的金额进行扣回 (会从用户支付宝的余额或银行卡中扣钱)。
说到这里，我一开始也很不能理解，就比如发现金，我们是通过企业付款到用户的方式打款。如果用户一收到金额就把现金花完了，那后面又怎么扣回呢，问过阿里工作人员说，如果用户支付宝都没有钱，就会一直等待用户卡里或余额里有金额再扣除，以下就从简单的几个例子介绍芝麻 GO 的对接。
流程：
1. 前端配置活动入口，芝麻 GO 签约。
2. 签约成功回调，优惠数据单独回传，业务操作入库。
3. 监听协议到期或退出的回调。
4. 任务数据回传，位于业务某个节点，比如打款回调位置。
5. 协议到期或退出，对协议进行结算，比如扣回等操作。
数据库设计：
CREATE TABLE `zmgo_agreement` (
`id` int(11) unsigned NOT NULL AUTO_INCREMENT,
`out_request_no` varchar (255) CHARACTER SET utf8 DEFAULT '' COMMENT ' 接口请求号 ',
`redpack_id` int (11) DEFAULT '0' COMMENT ' 现金红包 ID',
`user_id` int (11) DEFAULT '0' COMMENT ' 用户 ID',
`open_id` varchar (200) CHARACTER SET utf8 DEFAULT '' COMMENT ' 支付宝授权 ID',
`real_name` varchar (30) CHARACTER SET utf8 DEFAULT '' COMMENT ' 支付宝用户实名 ',
`user_mobile` varchar (20) CHARACTER SET utf8 DEFAULT '' COMMENT ' 用户手机号 ',
`template_id` varchar (150) CHARACTER SET utf8 DEFAULT '' COMMENT ' 模板 ID',
`partner_id` varchar (80) CHARACTER SET utf8 DEFAULT '' COMMENT ' 协议签约商户 ID',
`agreement_no` varchar (255) CHARACTER SET utf8 DEFAULT '' COMMENT ' 签约协议号 ID',
`biz_type` varchar (255) CHARACTER SET utf8 DEFAULT '' COMMENT ' 业务类型 ',
`alipay_user_id` varchar (255) CHARACTER SET utf8 DEFAULT '' COMMENT ' 阿里用户 ID',
`freeze_amount` decimal (10,2) DEFAULT '0.00' COMMENT ' 冻结金额 ',
`type` varchar (50) CHARACTER SET utf8 DEFAULT '' COMMENT ' 玩法类型: NORMAL: 普通版 CYCLE_WITHHOLD: 周期扣版 ',
`exp_invalid_time` varchar (120) CHARACTER SET utf8 DEFAULT '' COMMENT ' 预期失效时间 ',
`sign_time` varchar (120) CHARACTER SET utf8 DEFAULT '' COMMENT ' 签约时间 ',
`start_time` varchar (120) CHARACTER SET utf8 DEFAULT '' COMMENT ' 协议开始时间 ',
`agreement_status` int (2) DEFAULT '0' COMMENT ' 协议状态： 0. 未签约 1. 协议生效中 2. 协议已到期未结算 3. 协议已失效 ',
`pre_withdraw_status` int (2) DEFAULT '0' COMMENT ' 企业打款用户状态: 0: 提现中；1: 提现成功；2: 提现失败 ',
`withhold_plan_no` varchar (150) CHARACTER SET utf8 DEFAULT '' COMMENT ' 用户协议还款计划单据号 ',
`changed_type` int (2) DEFAULT '0' COMMENT ' 变更类型: 0. 未签约 1. 协议退出 2. 协议失效时间延期 ',
`gmt_changed` varchar (255) CHARACTER SET utf8 DEFAULT '' COMMENT ' 协议变更时间 ',
`update_time` int (11) DEFAULT '0' COMMENT ' 更新时间 ',
`create_time` int (11) DEFAULT '0' COMMENT ' 创建时间 ',
`delete_time` int (11) DEFAULT '0' COMMENT ' 删除时间 ',
PRIMARY KEY (`id`)
) ENGINE=InnoDB AUTO_INCREMENT=110 DEFAULT CHARSET=utf8mb4 COMMENT=' 签约表 ';CREATE TABLE `zmgo_agreement_changed` (
`id` int(10) unsigned NOT NULL AUTO_INCREMENT,
`agreement_no` varchar (255) CHARACTER SET utf8 DEFAULT '' COMMENT ' 芝麻 GO 协议号 ',
`agreement_status` int (2) DEFAULT '0' COMMENT ' 协议状态: 0. 未签约 1. 协议生效中 2. 协议已到期未结算 3. 协议已失效 ',
`changed_type` int (2) DEFAULT '0' COMMENT ' 变更类型: 0. 未签约 1. 协议退出 2. 协议失效时间延期 ',
`quit_type` int (2) DEFAULT '0' COMMENT ' 协议退出类型: 0. 未签约 1. 到期取消退出 2. 用户取消退出 3. 结算申请退出 4. 扣款超时退出 ',
`quit_point` int (2) DEFAULT '0' COMMENT ' 退出节点: 0. 未签约 1. 任务期退出 2. 续订期退出 3. 到期退出 ',
`create_time` int (11) DEFAULT '0' COMMENT ' 变更时间 ',
PRIMARY KEY (`id`)
) ENGINE=InnoDB AUTO_INCREMENT=13 DEFAULT CHARSET=utf8mb4 COMMENT=' 协议变更表 ';CREATE TABLE `zmgo_cumulate` (
`id` int(11) unsigned NOT NULL AUTO_INCREMENT,
`biz_action` int (2) DEFAULT '1' COMMENT '1. 正向回传 2. 逆向回传 ',
`agreement_no` varchar (200) CHARACTER SET utf8 DEFAULT '' COMMENT ' 协议号 ',
`ali_user_id` varchar (120) CHARACTER SET utf8 DEFAULT '' COMMENT ' 支付宝用户 ID',
`user_id` int (11) DEFAULT '0' COMMENT ' 用户 ID',
`out_biz_no` varchar (255) CHARACTER SET utf8 DEFAULT '' COMMENT ' 业务单号 ',
`refer_out_biz_no` varchar (255) CHARACTER SET utf8 DEFAULT '' COMMENT ' 逆向对应的正向外部业务号 ',
`sub_biz_action` int (2) DEFAULT '1' COMMENT '1. 新增 2. 修改 ',
`data_type` int (2) DEFAULT '1' COMMENT ' 回传数据类型: 1. 进度型 2. 优惠型 ',
`task_desc` varchar (255) CHARACTER SET utf8 DEFAULT '' COMMENT ' 任务描述 ',
`task_amount` decimal (10,2) DEFAULT '0.00' COMMENT ' 用户与商户交易金额 ',
`trade_no` varchar (255) CHARACTER SET utf8 DEFAULT '' COMMENT ' 交易单号 ',
`discount_desc` varchar (255) CHARACTER SET utf8 DEFAULT '' COMMENT ' 优惠信息描述 ',
`discount_amount` decimal (10,2) DEFAULT '0.00' COMMENT ' 优惠金额 ',
`remark` varchar (255) CHARACTER SET utf8 DEFAULT '' COMMENT ' 备注 ',
`create_time` int (11) DEFAULT '0' COMMENT ' 创建时间 ',
PRIMARY KEY (`id`)
) ENGINE=InnoDB AUTO_INCREMENT=3 DEFAULT CHARSET=utf8mb4 COMMENT=' 数据回传表 ';CREATE TABLE `zmgo_finance_preorder` (
`id` bigint(20) unsigned NOT NULL AUTO_INCREMENT,
`agreement_no` varchar (150) NOT NULL DEFAULT '' COMMENT ' 芝麻 GO 协议 ID',
`title` varchar (50) DEFAULT NULL COMMENT ' 标题 ',
`finance_id` varchar (50) NOT NULL DEFAULT '0' COMMENT ' 唯一流水号 ',
`pay_no` varchar (50) NOT NULL DEFAULT '0' COMMENT ' 支付宝或微信流水号 ',
`user_id` int (11) NOT NULL DEFAULT '0' COMMENT ' 用户的 id',
`real_name` varchar (100) DEFAULT NULL COMMENT ' 用户真实姓名 ',
`mobile` varchar (50) DEFAULT '' COMMENT ' 手机号 ',
`open_id` varchar (100) DEFAULT '' COMMENT ' 支付宝 openID',
`type` tinyint (3) DEFAULT '2' COMMENT ' 提现类型 1 微信 2 支付宝 ',
`amount` decimal (10,2) NOT NULL DEFAULT '0.00' COMMENT ' 金额 ',
`state` tinyint (4) DEFAULT '0' COMMENT ' 提现状态： 0: 提现中；1: 提现成功；2: 提现失败 ',
`pay_time` int (11) DEFAULT '0' COMMENT ' 提现时间 ',
`remark` varchar (255) DEFAULT NULL COMMENT ' 备注说明 ',
`create_time` int (11) DEFAULT '0' COMMENT ' 创建时间 ',
PRIMARY KEY (`id`) USING BTREE,
KEY `user_id` (`user_id`) USING BTREE,
KEY `finance_id` (`finance_id`) USING BTREE,
KEY `user_activity_id` (`agreement_no`) USING BTREE
) ENGINE=InnoDB AUTO_INCREMENT=12 DEFAULT CHARSET=utf8 COMMENT=' 签约打款记录表 ';CREATE TABLE `zmgo_settle` (
`id` int(11) unsigned NOT NULL AUTO_INCREMENT,
`out_request_no` varchar (200) CHARACTER SET utf8 DEFAULT '' COMMENT ' 业务单号 ',
`agreement_no` varchar (200) CHARACTER SET utf8 DEFAULT '' COMMENT ' 协议单号 ',
`alipay_user_id` varchar (100) CHARACTER SET utf8 DEFAULT '' COMMENT ' 支付宝用户 ID',
`partner_id` varchar (100) CHARACTER SET utf8 DEFAULT '' COMMENT ' 商户 ID',
`withhold_plan_no` varchar (120) CHARACTER SET utf8 DEFAULT '' COMMENT ' 用户协议还款计划单据号 ',
`cumulate_json` json DEFAULT NULL COMMENT ' 回传数据查询结果 ',
`activity_rule` json DEFAULT NULL COMMENT ' 现金礼包配置源数据 ',
`pay_amount` decimal (10,2) DEFAULT '0.00' COMMENT ' 扣除用户金额: 0. 不扣 >0. 扣款金额 ',
`total_real_pay_amount` decimal (10,2) DEFAULT '0.00' COMMENT ' 用户与商家交易金额 ',
`total_discount_amount` decimal (10,2) DEFAULT '0.00' COMMENT ' 任务优惠金额 ',
`withhold_biz_type` int (2) DEFAULT '0' COMMENT '0. 未结算 1. 会员费结算 2. 周期扣 3. 续订担保期扣款 4. 续定期扣款 5. 扣款超时，转为还款计划 ',
`biz_type` varchar (50) CHARACTER SET utf8 DEFAULT '' COMMENT ' 当前业务订单归属的协议类型 ',
`rest_freeze_amount` decimal (10,2) DEFAULT '0.00' COMMENT ' 剩余冻结金额 ',
`withhold_task_period` varchar (100) CHARACTER SET utf8 DEFAULT '' COMMENT ' 任务阶段：0. 未知 1. 任务期 2. 续订期 ',
`trans_status` int (2) DEFAULT '0' COMMENT ' 支付结算状态: 0. 未知 1. 成功 2. 失败 ',
`update_time` int (11) DEFAULT '0' COMMENT ' 更新时间 ',
`create_time` int (11) DEFAULT '0' COMMENT ' 创建时间 ',
PRIMARY KEY (`id`)
) ENGINE=InnoDB AUTO_INCREMENT=3 DEFAULT CHARSET=utf8mb4 COMMENT=' 结算记录表 ';四个请求：
1. 数据回传返回结果：
接口：ZhimaMerchantZmgoCumulateSyncRequest
{
"zhima_merchant_zmgo_cumulate_sync_response": {
"code": "10000",
"msg": "Success",
"agreement_id": "ZMGO_AGR2022111010020604080046634028",
"out_biz_no": "P2022111016116529"
},
"alipay_cert_sn": "3cba789ec6cb878bb3c09c936ddf177c",
"sign": "WP+CBTWAkCj/t0xawBEhYzXYuW4YVwlstuipry2K3fPM+ZFi9vdmZtoR/3MkawCXjHjv/VttJ/H1DSARucf8/vV+5UXEdWnLaNLY551eKou2Hum1xxmlMohCDFp7SsmlhXeyosEjc3AzPIP2Dh7d/M2A2lIx/aoVeuw4277OpBNNI+6jLavn7aRhQHRZZTdJVd0J0emZUonA8FSj6iaCnOtHvs3vag6eltJ3M42K5YOlQVT0CHxK/vXtTWvsE2a5Us0n6DCH6s7UMpgmCmmJhiqec1Cuz4P22oHNauelmtqawFA+8ZfoXgc0zxaCj1x3J+1XbT7zc4enXjVrbZza9g=="
}2. 数据回传查询返回结果：
接口：ZhimaMerchantZmgoCumulateQueryRequest
{
"aggr_amount": "600.00",
"aggr_discount_amount": "30.00",
"aggr_times": 0,
"agreement_id": "ZMGO_AGR2022111010020604080046634028",
"detail_list": [
{
"action_type": "POSITIVE",
"biz_time": "2022-11-10 16:11:35",
"data_type": "TASK",
"discount_amount": "58.00",
"discount_desc": "58 元现金红包",
"out_biz_no": "P2022111016116529",
"sub_data_type": "AMOUNT",
"task_amount": "600.00",
"task_desc": "完成了一笔交易",
"task_times": 0
}
]
}3. 商家主动解约协议返回结果 (会触发回调)：
接口：ZhimaCreditPeZmgoAgreementUnsignRequest
{
"zhima_credit_pe_zmgo_agreement_unsign_response": {
"code": "10000",
"msg": "Success",
"agreement_id": "ZMGO_AGR2022111010020604080046634028",
"withhold_plan_no": "ZMGO_WHD2022111010020603080063837101"
},
"alipay_cert_sn": "3cba789ec6cb878bb3c09c936ddf177c",
"sign": "nqX578EJ42LwYo04gfNf8sfPGzwp1T4aBtMgDFRyo1fHpMykLEEq/pmR6LseLWjWtC76mEwnJn3rq4u7dQ3lBpvtkFQC2EsCrmAqA9InBZ6CpU7gwzbD3mtc8h2nVoJg61TI8E6uR2VEGYMBB3b3359J5DFn86jeyO+7PspoKDtqXCfQ31wnO3QE4KOjELQEAAEerVfP86Rna4j/+pZ20pJwmFRIdgBZ5C8bKvAAdmuFdj607tgDV+qu+0iekGhs+H96j38qjdz98MFCztkeyP/q2ulDjM9gYhYFM8Cd/nFlKRMyG5cQMeWhR6Pfa5Ah7XEmSrsRuNqk+ENqnQmp7w=="
}4. 结算申请返回结果 (会触发结算回调)：
接口：ZhimaCreditPeZmgoAgreementUnsignRequest
{
"zhima_credit_pe_zmgo_settle_apply_response": {
"code": "10000",
"msg": "Success",
"agreement_id": "ZMGO_AGR2022111010020604080046634028",
"out_request_no": "2022111019333259",
"settle_status": "P",
"withhold_plan_no": "ZMGO_WHD2022111010020603080063837101"
},
"alipay_cert_sn": "3cba789ec6cb878bb3c09c936ddf177c",
"sign": "XDnOpAq4qFF3ErmMyIHl4pphVpy2RWGeb7QGDXUToy0SKjK4YsL50njYqQU7CGb6Z5hHDjpaP8bVMjEZHF8UXvG5YxRhDxfD8QUpbSnEvSLImv8zCaSUi3/qfXlPliraybXMO2G3LHl6dIaer34MD2SykXH1CRskD39DEZzNDr1eb0Z+VaWpgTuL+Tb8C/ur9t5RZxnbSFFv8fvCeAQ3j4am91sfXsnQ/PmM3AqNtI3cG04u+Bpndpsb8f5BtKoN6jGNS0H6Ka6fneoBNfz0ibA4Inz4wBjovMpM6Qk/BTWnQPSYL/cPNOFVQdRphnfgT0yihGFjnGWtJXHhWZvNrQ=="
}三个回调：
1. 芝麻 GO_签约变更回调：
array (
'charset' => 'UTF-8',
'biz_content' => '{
"freeze_amount":"30.00",
"product_version":"zhimGoV2",
"total_periods":"0",
"biz_type":"huanhuanhuishou",
"alipay_user_id":"2088112611324801",
"cycle_withhold":"N",
"type":"NORMAL",
"exp_invalid_time":"2022-11-16 23:59:59",
"sign_time":"2022-11-10 11:28:50",
"start_time":"2022-11-10 11:28:50",
"partner_id":"16546461211",
"agreement_id":"ZMGO_AGR2022111010020604800022190623",
"zmgo_opt_no":"ZMGO_OPT2022111010020607800033971182",
"agreement_status":"Y",
"template_id":"ZMGO_TPL202211091002000131300",
"out_request_no":"ZMG2022111011251265",
"trans_status":"Y"
}',
'utc_timestamp' => '1668050931661',
'app_id' => '156461456156',
'version' => '1.1',
'sign_type' => 'RSA2',
'notify_id' => '2022111000262112851056307524605182',
'msg_method' => 'zhima.credit.pe.zmgo.sign.notify',
)2. 芝麻 GO_协议变更回调：
array (
'charset' => 'UTF-8',
'biz_content' => '{
"changed_content":"{}",
"product_version":"zhimGoV2",
"agreement_id":"ZMGO_AGR2022111010020604800022190623",
"gmt_changed":"2022-11-10 11:40:13",
"biz_type":"huanhuanhuishou",
"alipay_user_id":"2088112611324801",
"agreement_status":"P",
"quit_type":"SETTLE_APPLY_QUIT",
"quit_point":"EXPIRE_PERIOD",
"withhold_plan_no":"ZMGO_WHD2022111010020603800038996544",
"changed_type":"quit"
}',
'utc_timestamp' => '1668052343953',
'app_id' => '125656644511',
'version' => '1.1',
'sign_type' => 'RSA2',
'notify_id' => '2022111000262114013056310722707218',
'msg_method' => 'zhima.credit.pe.zmgo.agreement.changed',
)3. 芝麻 GO_结算变更回调：
array (
'charset' => 'UTF-8',
'biz_content' => '{
"product_version":"zhimGoV2",
"withhold_biz_type":"ZMGO_MEMBERSHIP_FEE",
"pay_amount":"0.00","biz_type":"huanhuanhuishou",
"alipay_user_id":"2088712299951081",
"rest_freeze_amount":"0.00",
"withhold_plan_no":"ZMGO_WHD2022111010020603080063837101",
"total_period":"1",
"withhold_task_period":"TASK_PERIOD",
"current_period":"1",
"partner_id":"16546461211",
"agreement_id":"ZMGO_AGR2022111010020604080046634028",
"agreement_status":"N",
"biz_time":"2022-11-10 19:33:19",
"out_request_no":"2022111019333259",
"trans_status":"Y"
}',
'utc_timestamp' => '1668080120303',
'sign' => 'oeqBdg7v+JFAVyb6L5+0flyQtx8b+iyNIzeiU/sc0DL5LTODveLKSuDdIrC2RXd9UpsUXY7IwZLPqGHmWYz/0dXua0r+/WLYBh2Bq1oGtOXYpzzNmIdlMUEE/NfFs+QS3ZASoJrOyvCf9n35Kug7UnwaupO4d80+6VI+sfoWHb4LzBZ2rB4DmbcIlK3brAVvc5sgXPK9wcZ9z0KM7W3ARelCGtrAVIMrqiyKUecVav8P4Swl6apviN5DYKKCRQ27fn3rPqOB7nx1Xvx2Vo0F1yZHC4QGUeHeNtAXokPNwTrqSo6Gvx8ZsMHaCcIBtEZo2Znldp+OKk4nsPziffcvcg==',
'app_id' => '156461456156',
'version' => '1.1',
'sign_type' => 'RSA2',
'notify_id' => '2022111000262193320018695146401913',
'msg_method' => 'zhima.credit.pe.zmgo.settle.notify',
)特别注意：
协议状态：
agreement_status： Y: 协议生效中 P: 协议已到期未结算 N: 协议已失效
业务操作状态：
trans_status： Y 表示成功结束；N 表示失败结束。
