//公眾賬號appid
 $data["mch_appid"] = 'appid';
//商戶號 
 $data["mchid"] = '';
//隨機字符串 
 $data["nonce_str"] = 'suiji'.mt_rand(100,999); 
//商戶訂單號 
 $data["partner_trade_no"]=date('YmdHis').mt_rand(1000,9999); 
//金額 用戶輸入的提現(xiàn)金額需要乘以100  
 $data["amount"] = $money; 
//企業(yè)付款描述
 $data["desc"] = '企業(yè)付款到個人零錢'; 
//用戶openid   
 $data["openid"] = $openid; 
//不檢驗用戶姓名  
 $data["check_name"] = 'NO_CHECK'; 
//獲取IP  
 $data['spbill_create_ip']=$_SERVER['SERVER_ADDR']; 
//商戶密鑰 
 $data['key']='';
//商戶證書 商戶平臺的API安全證書下載
 $data['apiclient_cert.pem']
 $data['apiclient_key.pem'] 

/**
**開始支付
/
 public function userpay(){
 $money = ‘用戶輸入提現(xiàn)金額';
 $info['money'] = ‘用戶余額';
 if ($this->openid && $money){
  if ($money>$info['money'] ){
  echo json_encode([
   'status' => 1,
   'message' => '余額不足，不能提現(xiàn)！',
   'code'=>'余額不足，不能提現(xiàn)！'
  ]);
  }elseif ($money<1){
  echo json_encode([
   'status' => 2,
   'message' => '提現(xiàn)金額不能小于1元',
   'code'=>'提現(xiàn)金額太低'
  ]);
  }else{
 $openid = $this->openid;
 $trade_no = date('YmdHis').mt_rand(1000,9999);
 $res = $this->pay($openid,$trade_no,$money*100,'微信提現(xiàn)');

 //結(jié)果打印
 if($res['result_code']=="SUCCESS"){

   echo json_encode([
   'status' => 3,
   'message' => '提現(xiàn)成功！',
   ]);
  }elseif ($res['err_code']=="SENDNUM_LIMIT"){
   echo json_encode([
   'status' => 4,
   'message' => '提現(xiàn)失?。?,
   'code'=>'每日僅能提現(xiàn)一次',
   ]);
  }else{
   echo json_encode([
   'status' => 5,
   'message' => '提現(xiàn)失??！',
   'code'=>$res['err_code'],
   ]);
  }
  }
 }else{
  echo json_encode([
  'status' => 5,
  'message' => '未檢測到您當前微信賬號~',

  ]);
 }
 }

/**
*支付方法
/
public function pay($openid,$trade_no,$money,$desc){
 $params["mch_appid"]=''; 
 $params["mchid"] = ''; 
 $params["nonce_str"]= 'suiji'.mt_rand(100,999); 
 $params["partner_trade_no"] = $trade_no;  
 $params["amount"]= $money;  
 $params["desc"]= $desc;  
 $params["openid"]= $openid;  
 $params["check_name"]= 'NO_CHECK'; 
 $params['spbill_create_ip'] = $_SERVER['SERVER_ADDR']; 

 //生成簽名
 $str = 'amount='.$params["amount"].'&check_name='.$params["check_name"].'&desc='.$params["desc"].'&mch_appid='.$params["mch_appid"].'&mchid='.$params["mchid"].'&nonce_str='.$params["nonce_str"].'&openid='.$params["openid"].'&partner_trade_no='.$params["partner_trade_no"].'&spbill_create_ip='.$params['spbill_create_ip'].'&key=商戶密鑰';

 //md5加密 轉(zhuǎn)換成大寫
 $sign = strtoupper(md5($str));
 //生成簽名
 $params['sign'] = $sign;

 //構(gòu)造XML數(shù)據(jù)
 $xmldata = $this->array_to_xml($params); //數(shù)組轉(zhuǎn)XML
 $url='https://api.mch.weixin.qq.com/mmpaymkttransfers/prom otion/transfers';

 //發(fā)送post請求
 $res = $this->curl_post_ssl($url, $xmldata); //curl請求 
 if(!$res){
 return array('status'=>1, 
   'msg'=>"服務(wù)器連接失敗" );
 }

 //付款結(jié)果分析
 $content = $this->xml_to_array($res); //xml轉(zhuǎn)數(shù)組
 return $content;
 }

/**
* curl請求
/
public function curl_post_ssl($url, $xmldata,  $second=30,$aHeader=array()){
 $ch = curl_init();
 //超時時間
 curl_setopt($ch,CURLOPT_TIMEOUT,$second);
 curl_setopt($ch,CURLOPT_RETURNTRANSFER, 1);
 //這里設(shè)置代理，如果有的話
 //curl_setopt($ch,CURLOPT_PROXY, '10.206.30.98');
 //curl_setopt($ch,CURLOPT_PROXYPORT, 8080);
 curl_setopt($ch,CURLOPT_URL,$url);
 curl_setopt($ch,CURLOPT_SSL_VERIFYPEER,false);
 curl_setopt($ch,CURLOPT_SSL_VERIFYHOST,false);

 //默認格式為PEM，可以注釋
 curl_setopt($ch,CURLOPT_SSLCERTTYPE,'PEM');
//絕對地址可使用 dirname(__DIR__)打印，如果不是絕對地址會報 58 錯誤
 curl_setopt($ch,CURLOPT_SSLCERT,' 絕對地址/apiclient_cert.pem');
 curl_setopt($ch,CURLOPT_SSLKEYTYPE,'PEM');
 curl_setopt($ch,CURLOPT_SSLKEY,'絕對地址/apiclient_key.pem');
 if( count($aHeader) >= 1 ){
  curl_setopt($ch, CURLOPT_HTTPHEADER, $aHeader);
 }
 curl_setopt($ch,CURLOPT_POST, 1);
 curl_setopt($ch,CURLOPT_POSTFIELDS,$xmldata);
 $data = curl_exec($ch);
 if($data){
 curl_close($ch);
 return $data;
 }
 else {
 $error = curl_errno($ch);
 echo "call faild, errorCode:$error\n";
 die();
 curl_close($ch);
 return false;
 }
 }

/**
 * array 轉(zhuǎn) xml
 * 用于生成簽名
*/
public function array_to_xml($arr){
 $xml = "<xml>";
 foreach ($arr as $key => $val) {
 if (is_numeric($val)) {
 $xml .= "<" .$key.">".$val."</".$key.">";
 } else
 $xml .= "<".$key."><![CDATA[".$val."]]></".$key.">";
 }
 $xml .= "</xml>";
 return $xml;
 }

/**
* xml 轉(zhuǎn)化為array
*/
public function xml_to_array($xml){
 //禁止引用外部xml實體
 libxml_disable_entity_loader(true);
 $values = json_decode(json_encode(simplexml_load_string($xml, 'SimpleXMLElement', LIBXML_NOCDATA)), true);
 return $values;
 }