$dbh = ...;
        $st = oci_parse($dbh, $sql);
        $type = oci_statement_type($st);
        foreach ($params as $param=>$value)
        {
            oci_bind_by_name($st, $param, $params[$param]);
        }
        $ret = null;
        $res = oci_execute($st);
print "$sql\n";
print_r($params);
        $ret = array();
        while (($row = oci_fetch_assoc($st)) != false)
        {
print "row ";
print_r($row);
            if (isset($keyfield))
            {
                $ret[$row[$keyfield]] = $row;
            }
            else
            {
                $ret[] = $row;
            }
        }
        oci_free_statement($st);
        return $ret;

row Array
(
    [PAYMENT_ITEM_ID] => 11350
    [PAYMENT_AGENT_ID] => 6
    [PAYMENT_REGISTRY_ID] => 
    [SESSION_ID] => 
    [SESSION_SIGN] => 
    [CLOCK] => 
    [ACT] => 
    [ACCOUNT] => 1010002
    [TYPE] => 
    [AMOUNT] => 1234
    [ORIGINATOR] => 
    [INFO_NAME] => Петров
    [INFO_EMAIL] => 
    [INFO_PHONE] => 
    [RET_CLOCK] => 
    [RET_CODE] => 
    [RET_TEXT] => 
    [RET_BALANCE] => 
    [RET_AMOUNT] => 
    [RET_NAME] => 
    [RET_EMAIL] => 
    [RET_PHONE] => 
    [PAY_ID] => 
    [PAY_CLOCK] => 
    [PAY_CLIENT] => 
    [STORNO] => 
    [STORNO_CLOCK] => 
    [STORNO_REASON] => 
    [STORNO_ORIGINATOR] => 
    [RET_SUCCESS] => 
    [RET_ERRORS] => 
    [PAY_PAYMENT] => 
    [PAY_BILLING] => 
)