企业付款提供由商户直接付钱至用户微信零钱的能力，支持平台操作及接口调用两种方式，资金到账速度快，使用及查询方便。主要用来解决合理的商户对用户付款需求，比如：保险理赔、彩票兑换等等。
特点
发起方式灵活，可通过页面或接口发起
微信消息触达，用户及时获知入账详情
支持实名校验，判断收款人真实身份
通过openid即可实现付款，无需用户敏感隐私信息
到账速度快，在发起后，用户可在几分钟内收到付款
企业转账需要到微信商户平台=》产品中心=》企业付款到零钱，开启此功能
下面是程序截图：
第一步：设置配置参数
$url='https://api.mch.weixin.qq.com/mmpaymkttransfers/promotion/transfers'; $pars = array(); $pars['mch_appid'] =$this->module['config']['appid']; $pars['mchid']=$this->module['config']['mchid']; $pars['nonce_str'] =random(32); $pars['partner_trade_no'] =time().random(3,1); $pars['openid'] =$openid; $pars['check_name'] ='NO_CHECK' ; //$pars['re_user_name'] ='' ; $monet_finall = $price * 100; $pars['amount'] =$monet_finall; //这里是折算成1%的所以要*100 $pars['desc'] ='您已成功提现 '.$price.' 现金'; $pars['spbill_create_ip'] =$this->module['config']['ip']; ksort($pars, SORT_STRING); $string1 = ''; foreach ($pars as $k => $v) { $string1 .= "{$k}={$v}&"; } $string1 .= "key=".$this->module['config']['password']; $pars['sign'] = strtoupper(md5($string1)); $xml = array2xml($pars); $extras = array(); $extras['CURLOPT_CAINFO'] = ATTACHMENT_ROOT . '/withdraw/cert/rootca.pem.' . $_W['uniacid']; $extras['CURLOPT_SSLCERT'] = ATTACHMENT_ROOT . '/withdraw/cert/apiclient_cert.pem.' . $_W['uniacid']; $extras['CURLOPT_SSLKEY'] = ATTACHMENT_ROOT . '/withdraw/cert/apiclient_key.pem.' . $_W['uniacid']; $procResult = null;
第二步：CURL请求微信服务器
load()->func('communication'); $resp = ihttp_request($url, $xml, $extras);
其中ihttp_request函数内容是：
function ihttp_request($url, $post = '', $extra = array(), $timeout = 60) { $urlset = parse_url($url); if (empty($urlset['path'])) { $urlset['path'] = 'https://www.jb51.net/'; } if (!empty($urlset['query'])) { $urlset['query'] = "?{$urlset['query']}"; } if (empty($urlset['port'])) { } if (strexists($url, 'https://') && !extension_loaded('openssl')) { if (!extension_loaded("openssl")) { message('请开启您PHP环境的openssl'); } } if (function_exists('curl_init') && function_exists('curl_exec')) { $ch = curl_init(); if (!empty($extra['ip'])) { $extra['Host'] = $urlset['host']; $urlset['host'] = $extra['ip']; unset($extra['ip']); } curl_setopt($ch, CURLOPT_URL, $urlset['scheme'] . '://' . $urlset['host'] . ($urlset['port'] == '80' || empty($urlset['port']) ? '' : ':' . $urlset['port']) . $urlset['path'] . $urlset['query']); curl_setopt($ch, CURLOPT_RETURNTRANSFER, 1); @curl_setopt($ch, CURLOPT_FOLLOWLOCATION, 1); curl_setopt($ch, CURLOPT_HEADER, 1); @curl_setopt($ch, CURLOPT_HTTP_VERSION, CURL_HTTP_VERSION_1_0); if ($post) { if (is_array($post)) { $filepost = false; foreach ($post as $name => &$value) { if (version_compare(phpversion(), '5.6') >= 0 && substr($value, 0, 1) == '@') { $value = new CURLFile(ltrim($value, '@')); } if ((is_string($value) && substr($value, 0, 1) == '@') || (class_exists('CURLFile') && $value instanceof CURLFile)) { $filepost = true; } } if (!$filepost) { $post = http_build_query($post); } } curl_setopt($ch, CURLOPT_POST, 1); curl_setopt($ch, CURLOPT_POSTFIELDS, $post); } if (!empty($GLOBALS['_W']['config']['setting']['proxy'])) { $urls = parse_url($GLOBALS['_W']['config']['setting']['proxy']['host']); if (!empty($urls['host'])) { curl_setopt($ch, CURLOPT_PROXY, "{$urls['host']}:{$urls['port']}"); $proxytype = 'CURLPROXY_' . strtoupper($urls['scheme']); if (!empty($urls['scheme']) && defined($proxytype)) { curl_setopt($ch, CURLOPT_PROXYTYPE, constant($proxytype)); } else { curl_setopt($ch, CURLOPT_PROXYTYPE, CURLPROXY_HTTP); curl_setopt($ch, CURLOPT_HTTPPROXYTUNNEL, 1); } if (!empty($GLOBALS['_W']['config']['setting']['proxy']['auth'])) { curl_setopt($ch, CURLOPT_PROXYUSERPWD, $GLOBALS['_W']['config']['setting']['proxy']['auth']); } } } curl_setopt($ch, CURLOPT_CONNECTTIMEOUT, $timeout); curl_setopt($ch, CURLOPT_TIMEOUT, $timeout); curl_setopt($ch, CURLOPT_SSL_VERIFYPEER, false); curl_setopt($ch, CURLOPT_SSL_VERIFYHOST, 0); curl_setopt($ch, CURLOPT_SSLVERSION, 1); if (defined('CURL_SSLVERSION_TLSv1')) { curl_setopt($ch, CURLOPT_SSLVERSION, CURL_SSLVERSION_TLSv1); } curl_setopt($ch, CURLOPT_USERAGENT, 'Mozilla/5.0 (Windows NT 6.1; WOW64; rv:9.0.1) Gecko/20100101 Firefox/9.0.1'); if (!empty($extra) && is_array($extra)) { $headers = array(); foreach ($extra as $opt => $value) { if (strexists($opt, 'CURLOPT_')) { curl_setopt($ch, constant($opt), $value); } elseif (is_numeric($opt)) { curl_setopt($ch, $opt, $value); } else { $headers[] = "{$opt}: {$value}"; } } if (!empty($headers)) { curl_setopt($ch, CURLOPT_HTTPHEADER, $headers); } } $data = curl_exec($ch); $status = curl_getinfo($ch); $errno = curl_errno($ch); $error = curl_error($ch); curl_close($ch); if ($errno || empty($data)) { return error(1, $error); } else { return ihttp_response_parse($data); } } $method = empty($post) ? 'GET' : 'POST'; $fdata = "{$method} {$urlset['path']}{$urlset['query']} HTTP/1.1\r\n"; $fdata .= "Host: {$urlset['host']}\r\n"; if (function_exists('gzdecode')) { $fdata .= "Accept-Encoding: gzip, deflate\r\n"; } $fdata .= "Connection: close\r\n"; if (!empty($extra) && is_array($extra)) { foreach ($extra as $opt => $value) { if (!strexists($opt, 'CURLOPT_')) { $fdata .= "{$opt}: {$value}\r\n"; } } } $body = ''; if ($post) { if (is_array($post)) { $body = http_build_query($post); } else { $body = urlencode($post); } $fdata .= 'Content-Length: ' . strlen($body) . "\r\n\r\n{$body}"; } else { $fdata .= "\r\n"; } if ($urlset['scheme'] == 'https') { $fp = fsockopen('ssl://' . $urlset['host'], $urlset['port'], $errno, $error); } else { $fp = fsockopen($urlset['host'], $urlset['port'], $errno, $error); } stream_set_blocking($fp, true); stream_set_timeout($fp, $timeout); if (!$fp) { return error(1, $error); } else { fwrite($fp, $fdata); $content = ''; while (!feof($fp)) $content .= fgets($fp, 512); fclose($fp); return ihttp_response_parse($content, true); } }
第三步：解析分析微信服务器返回值并返回。