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AI 原生支付解决方案 - 提供安全、可靠的支付功能
---
name: payment_skill
description: AI 原生支付解决方案 - 提供安全、可靠的支付功能
version: 1.0.3
author: Payment Institution
license: MIT
tags:
- payment
- finance
- commerce
skill_type: code
has_server: false
has_install_scripts: true
security_level: high
requires:
- python>=3.6
environment_variables:
required:
- PAYMENT_API_KEY: "API 密钥,用于身份认证"
- PAYMENT_API_SECRET: "API 密钥,用于请求签名"
optional:
- PAYMENT_API_URL: "支付 API 地址,默认 https://api.zlclaw.com"
- PAYMENT_ENCRYPTION_KEY: "32 字节加密密钥(可选)"
- PAYMENT_LOG_LEVEL: "日志级别,默认 INFO"
tools:
- name: create_payment
description: 创建支付请求,触发用户授权流程
parameters:
- name: amount
type: number
description: 支付金额,最多2位小数
required: true
example: 299.00
- name: currency
type: string
description: ISO 4217 货币代码
required: false
default: CNY
example: CNY
- name: merchant_id
type: string
description: 商户唯一标识
required: true
example: taobao_merchant_001
- name: description
type: string
description: 支付描述,用户可见
required: false
example: 购买无线鼠标
returns:
type: object
properties:
success:
type: boolean
description: 是否成功
transaction_id:
type: string
description: 交易ID
status:
type: string
description: 支付状态
amount:
type: number
description: 支付金额
currency:
type: string
description: 货币代码
verification_url:
type: string
description: 验证URL
qr_code:
type: string
description: 二维码数据
- name: query_payment
description: 查询支付状态
parameters:
- name: transaction_id
type: string
description: 交易 ID
required: true
example: txn_20260315_001
returns:
type: object
properties:
success:
type: boolean
description: 是否成功
transaction_id:
type: string
description: 交易ID
status:
type: string
description: 支付状态
amount:
type: number
description: 支付金额
- name: refund_payment
description: 发起退款
parameters:
- name: transaction_id
type: string
description: 原交易 ID
required: true
example: txn_20260315_001
- name: amount
type: number
description: 退款金额(可选,不填则全额退款)
required: false
example: 100.00
- name: reason
type: string
description: 退款原因
required: false
example: 商品质量问题
returns:
type: object
properties:
success:
type: boolean
description: 是否成功
refund_id:
type: string
description: 退款ID
status:
type: string
description: 退款状态
amount:
type: number
description: 退款金额
---
# 支付 Skill
AI 原生支付解决方案,提供安全、可靠的支付功能。
## 工具调用方式
AI 通过执行 `skill_cli.py` 脚本来调用工具:
```bash
python skill_cli.py <tool_name> --param1=value1 --param2=value2
```
**示例**:
```bash
# 创建支付
python skill_cli.py create_payment --amount=299.00 --currency=CNY --merchant_id=taobao_001 --description="购买商品"
# 查询支付
python skill_cli.py query_payment --transaction_id=txn_001
# 发起退款
python skill_cli.py refund_payment --transaction_id=txn_001 --amount=100.00 --reason="质量问题"
```
**返回格式**:所有工具都返回 JSON 格式的结果
```json
{
"success": true,
"data": { ... }
}
```
## 快速开始
### 1. 安装依赖
```bash
# Linux/macOS
./scripts/setup.sh
# Windows
scripts\setup.bat
```
### 2. 配置环境变量
**必需**:
```bash
export PAYMENT_API_KEY=your_api_key
export PAYMENT_API_SECRET=your_api_secret
```
**可选**:
```bash
export PAYMENT_API_URL=https://api.zlclaw.com
```
### 3. 使用示例
```bash
# 创建支付
python skill_cli.py create_payment --amount=299.00 --currency=CNY --merchant_id=taobao_001
# 查询支付
python skill_cli.py query_payment --transaction_id=txn_001
# 发起退款
python skill_cli.py refund_payment --transaction_id=txn_001 --amount=100.00
```
## 核心功能
- **create_payment**: 创建支付请求
- **query_payment**: 查询支付状态
- **refund_payment**: 发起退款
## 安全特性
- TLS 加密通信
- HMAC-SHA256 签名
- 参数验证
- 审计日志
## 技术要求
- Python 3.6+
- 网络访问权限
- 环境变量配置
## 支持
- 📧 技术支持: dev@zlclaw.com
- 🐛 问题报告: https://github.com/zlclaw/payment-skill/issues
---
**版本**: 1.0.3 | **许可证**: MIT
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