How to implement WeChat enterprise account payment for individuals in PHP

/*微信支付*/
  'PAY_WEIXIN'        => array(
    'appid'         => 'XXXX',
    'appsecret'       => 'XXXXXXX',
    'mchid'         => '1283301801',                        //商户号
    'key'          => 'zhudianbaodiandodozhudianbao0527',             //商户支付秘钥
    'apiclient_cert'    => 'Conf/cert/apiclient_cert.pem',               //商户证书apiclient_cert.pem
    'apiclient_key'     => 'Conf/cert/apiclient_key.pem',                //商户证书apiclient_key.pem
  )

/**
* array转xml
*/
function arrayToXml($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;
}

/**
*  作用：使用证书，以post方式提交xml到对应的接口url
*/
function postXmlSSLCurl($xml, $url, $second, $cert, $key)
{
    $ch = curl_init();
    //超时时间
    curl_setopt($ch,CURLOPT_TIMEOUT,$second ? $second : $this->timeout);
    //这里设置代理，如果有的话
    //curl_setopt($ch,CURLOPT_PROXY, '8.8.8.8');
    //curl_setopt($ch,CURLOPT_PROXYPORT, 8080);
    curl_setopt($ch,CURLOPT_URL, $url);
    curl_setopt($ch,CURLOPT_SSL_VERIFYPEER,FALSE);
    curl_setopt($ch,CURLOPT_SSL_VERIFYHOST,FALSE);
    //设置header
    curl_setopt($ch,CURLOPT_HEADER,FALSE);
    //要求结果为字符串且输出到屏幕上
    curl_setopt($ch,CURLOPT_RETURNTRANSFER,TRUE);
    //设置证书
    //使用证书：cert 与 key 分别属于两个.pem文件
    //默认格式为PEM，可以注释
    curl_setopt($ch,CURLOPT_SSLCERTTYPE,'PEM');
    curl_setopt($ch,CURLOPT_SSLCERT,$cert);
    //默认格式为PEM，可以注释
    curl_setopt($ch,CURLOPT_SSLKEYTYPE,'PEM');
    curl_setopt($ch,CURLOPT_SSLKEY, $key);
    //post提交方式
    curl_setopt($ch,CURLOPT_POST, true);
    curl_setopt($ch,CURLOPT_POSTFIELDS,$xml);
    $data = curl_exec($ch);
    //返回结果
    if($data){
      curl_close($ch);
      return $this->xmlToArray($data);
    }
    else {
      $error = curl_errno($ch);
      echo "curl出错，错误码:$error"."<br>";
      curl_close($ch);
      return false;
    }
}

//企业向个人付款
public function payToUser($params, $key, $apicent_cert, $apiclient_key) {
    $url = 'https://api.mch.weixin.qq.com/mmpaymkttransfers/promotion/transfers';
    //检测必填参数
    if($params["partner_trade_no"] == null) {  //
      exit("退款申请接口中，缺少必填参数partner_trade_no！"."<br>");
    }elseif($params["openid"] == null){
      exit("退款申请接口中，缺少必填参数openid！"."<br>");
    }elseif($params["check_name"] == null){       //NO_CHECK：不校验真实姓名 FORCE_CHECK：强校验真实姓名（未实名认证的用户会校验失败，无法转账）OPTION_CHECK：针对已实名认证的用户才校验真实姓名（未实名认证用户不校验，可以转账成功）
      exit("退款申请接口中，缺少必填参数check_name！"."<br>");
    }elseif(($params["check_name"] == &#39;FORCE_CHECK&#39; or $params["check_name"] == &#39;OPTION_CHECK&#39;) && ($params["re_user_name"] == null)){ //收款用户真实姓名。
      exit("退款申请接口中，缺少必填参数re_user_name！"."<br>");
    }elseif($params["amount"] == null){
      exit("退款申请接口中，缺少必填参数amount！"."<br>");
    }elseif($params["desc"] == null){
      exit("退款申请接口中，缺少必填参数desc！"."<br>");
    }
    $params["mch_appid"] = $this->appid;//公众账号ID
    $params["mchid"] = $this->mchid;//商户号
    $params["nonce_str"] = $this->createNoncestr();//随机字符串
    $params[&#39;spbill_create_ip&#39;] = $_SERVER[&#39;REMOTE_ADDR&#39;] == &#39;::1&#39; ? &#39;192.127.1.1&#39; : $_SERVER[&#39;REMOTE_ADDR&#39;];//获取IP
    $params["sign"] = $this->getSign($params, $key);//签名
    $xml = $this->arrayToXml($params);
    return $this->postXmlSSLCurl($xml, $url, false, $apicent_cert, $apiclient_key);
}

private function _enterprisePay($number, $member_id, $amount, $desc)
{
    // 获取openid
    $wxuser_id = M('Member')->where(array('id' => $member_id))->getField('wxuser_id');
    $openid  = M('Wxuser')->where(array('id' => $wxuser_id))->getField('openid');
    $pay = C('PAY_WEIXIN');
    import('@.Action.WxDevelop');
    $enterprise = new WxEnterprise($pay['appid'], $pay['appsecret'], $pay['mchid']);
    $params = array(
      'partner_trade_no' => $number,
      'openid' => $openid,
      'check_name' => 'NO_CHECK',
      'amount' => $amount, // 总计
      'desc' => $desc,
    );
    $result = $enterprise->payToUser($params, $pay['key'], $pay['apiclient_cert'], $pay['apiclient_key']);
    return $result;
}

private function _handle($truename, $price) { // 处理分销商提现
    $withdrawid = date("ymdHis") . strval(rand(1000, 9999));
    $data = array('withdrawid' => $withdrawid, 'store_id' => $this->store_id, 'member_id' => $this->member_id, 'truename' => $truename, 'price' => $price, 'addtime' => time());
    //免审核
    if ($price >= C('withdraw_uncheck_value')) {
      $data['need_check'] = 0;
      $data['status'] = 1;
      if ($this->withdrawModel->add($data)) {
        $result = $this->_enterprisePay($withdrawid, $this->member_id, $price * 100, '分销商(' . $truename . ')提现');
        //遇到支付信息出错，转为需审核提现
        if ($result['return_code'] != 'SUCCESS') {
          $this->withdrawModel->where(array('withdrawid' => $withdrawid))->save(array('need_check' => 1, 'status' => 0));
          $this->assign('success', 2);
        }
        else {
          //设置微信交易号
          $this->withdrawModel->where(array('withdrawid' => $withdrawid))->save(array('payment_no' => $result['payment_no']));
          //增加佣金流水，待修复
          $data = array('store_id' => $this->store_id, 'user_type' => 2, 'user_id' => $this->shop_id, 'trade_type' => 2, 'trade_no' => $withdrawid, 'price' => -$price, 'status'=> 1, 'message' => $truename.'提现', 'addtime' => time());
          M('Twitter_log')->add($data);
          //减少相应可提佣金
          M('Member')->where(array('id' => $this->member_id))->setInc('money', -$price);
          $this->assign('success', 1);
          //发送佣金变动消息
          import('@.Action.Tmplmsg');
          $tmplmsg = new Tmplmsg();
          $tmplmsg->send(Tmplmsg::PRICE_CHANGE, $this->member_id, array('token' => $this->token, 'intro' => '分销佣金提现转出', 'price' => $price, 'business' => BUSINESS));
        }
      }
      else {
        $this->error('提现信息错误!');
      }
    }
    //需要审核
    else {
      $this->withdrawModel->add($data);
      $this->assign('success' , 2);
    }
}

<xml>
<mch_appid>wxe062425f740c30d8</mch_appid>
<mchid>10000098</mchid>
<nonce_str>3PG2J4ILTKCH16CQ2502SI8ZNMTM67VS</nonce_str>
<partner_trade_no>100000982014120919616</partner_trade_no>
<openid>ohO4Gt7wVPxIT1A9GjFaMYMiZY1s</openid>
<check_name>OPTION_CHECK</check_name>
<re_user_name>张三</re_user_name>
<amount>100</amount>
<desc>节日快乐!</desc>
<spbill_create_ip>10.2.3.10</spbill_create_ip>
<sign>C97BDBACF37622775366F38B629F45E3</sign>
</xml>

<xml>
<return_code><![CDATA[SUCCESS]]></return_code>
<return_msg><![CDATA[]]></return_msg>
<mch_appid><![CDATA[wxec38b8ff840bd989]]></mch_appid>
<mchid><![CDATA[10013274]]></mchid>
<device_info><![CDATA[]]></device_info>
<nonce_str><![CDATA[lxuDzMnRjpcXzxLx0q]]></nonce_str>
<result_code><![CDATA[SUCCESS]]></result_code>
<partner_trade_no><![CDATA[10013574201505191526582441]]></partner_trade_no>
<payment_no><![CDATA[1000018301201505190181489473]]></payment_no>
<payment_time><![CDATA[2015-05-19 15：26：59]]></payment_time>
</xml>

<xml>
<return_code><![CDATA[FAIL]]></return_code>
<return_msg><![CDATA[系统繁忙,请稍后再试.]]></return_msg>
<result_code><![CDATA[FAIL]]></result_code>
<err_code><![CDATA[SYSTEMERROR]]></err_code>
<err_code_des><![CDATA[系统繁忙,请稍后再试.]]></err_code_des>
</xml>