参考文档：https://developers.weixin.qq.com/miniprogram/dev/platform-capabilities/industry/virtual-payment.html 调用接口： https://api.weixin.qq.com/xpay/query_user_balance?access_token=71_-XlebZfN1-xxxx&pay_sig=a18e12a0de2d0da28cb352c3841bad43b6de2fa7b0d48e0d557ccf3c56afe639&signature=7ffd0a7487df3e76f03296336df191d19bb89dd7acf5a08666675b894f59c45a 请求参数： {"openid":"oGFgL5HKExTYAW_UFFBZF-SBobuE","user_ip":"127.0.0.1","env":1} 返回错误： {"errcode":-1,"errmsg":"system error detail:[系统错误，请稍后重试] rid: 64d5edb8-34e60334-25b034cb"}