如何把阿拉伯小写数字（包括小数)1234123.23 转化成英文:one million, two hundred and thirty

如何把阿拉伯小写数字(包括小数)1234123.23 转化成英文:one million, two hundred and

thirty-four thousand, one hundred and twenty-three point two three

请帮忙给出正确答案和分析，谢谢！