public static function create($options)
 {
     /*{{{*/
     $r = new self();
     $r->bgUrl = $options['bgUrl'];
     $r->pageUrl = $options['pageUrl'];
     $r->payerName = urlencode($options['payerName']);
     //卡密直冲用这个
     $r->cardNumber = $options['cardNumber'];
     $r->cardPwd = $options['cardPwd'];
     $r->orderAmount = $options['orderAmount'] * 100;
     $r->fullAmountFlag = QPayCardConnector::FULLAMOUNTFLAG_YES;
     //普通充值卡用这个
     //      $r->orderAmount = $options['orderAmount'] * 100; // 快钱单位为分
     //      $r->fullAmountFlag = QPayCardConnector::FULLAMOUNTFLAG_NO;
     $r->merchantAcctId = QPayCardConnector::$merchantacctIds[$options['bossType']];
     $r->key = QPayCardConnector::$MD5_KEY[$options['bossType']];
     $r->productName = urlencode(QPayCardConnector::PRODUCTNAME);
     $r->orderId = $options['orderId'];
     $r->orderTime = $options['orderTime']->toStringByFormat('YmdHis');
     $r->bossType = $options['bossType'];
     $r->signMsg = $r->getSignMsg();
     return $r;
 }