AlipayClient alipayClient = new DefaultAlipayClient("https://openapi.alipay.com/gateway.do","app_id","your private_key","json","GBK","alipay_public_key","RSA2");
ZhimaMerchantCreditlifeRiskApplyRequest request = new ZhimaMerchantCreditlifeRiskApplyRequest();
request.setBizContent("{" +
"\"transaction_id\":\"24812155555\"," +
"\"cert_no\":\"110101200112302357\"," +
"\"address\":\"浙江省杭州市西湖区万塘路18号黄龙时代广场\"," +
"\"mobile\":\"13800001234\"," +
"\"name\":\"张三\"," +
"\"item_id\":\"2017102501000111123481626070\"" +
"}");
ZhimaMerchantCreditlifeRiskApplyResponse response = alipayClient.execute(request);
if(response.isSuccess()){
System.out.println("调用成功");
} else {
System.out.println("调用失败");
}

IAopClient client = new DefaultAopClient("https://openapi.alipay.com/gateway.do", "app_id", "merchant_private_key", "json", "1.0", "RSA2", "alipay_public_key", "GBK", false);
ZhimaMerchantCreditlifeRiskApplyRequest  request= new ZhimaMerchantCreditlifeRiskApplyRequest() ;
request.BizContent="{" +
"\"transaction_id\":\"24812155555\"," +
"\"cert_no\":\"110101200112302357\"," +
"\"address\":\"浙江省杭州市西湖区万塘路18号黄龙时代广场\"," +
"\"mobile\":\"13800001234\"," +
"\"name\":\"张三\"," +
"\"item_id\":\"2017102501000111123481626070\"" +
"}";
ZhimaMerchantCreditlifeRiskApplyResponse response=client.execute(request);
Console.WriteLine(response.Body);

$aop = new AopClient ();
$aop->gatewayUrl = 'https://openapi.alipay.com/gateway.do';
$aop->appId = 'your app_id';
$aop->rsaPrivateKey = '请填写开发者私钥去头去尾去回车，一行字符串';
$aop->alipayrsaPublicKey='请填写支付宝公钥，一行字符串';
$aop->apiVersion = '1.0';
$aop->signType = 'RSA2';
$aop->postCharset='GBK';
$aop->format='json';
$request = new ZhimaMerchantCreditlifeRiskApplyRequest ();
$request->setBizContent("{" .
"\"transaction_id\":\"24812155555\"," .
"\"cert_no\":\"110101200112302357\"," .
"\"address\":\"浙江省杭州市西湖区万塘路18号黄龙时代广场\"," .
"\"mobile\":\"13800001234\"," .
"\"name\":\"张三\"," .
"\"item_id\":\"2017102501000111123481626070\"" .
"}");
$result = $aop->execute ( $request); 

$responseNode = str_replace(".", "_", $request->getApiMethodName()) . "_response";
$resultCode = $result->$responseNode->code;
if(!empty($resultCode)&&$resultCode == 10000){
echo "成功";
} else {
echo "失败";
}

https://openapi.alipay.com/gateway.do?timestamp=2013-01-01 08:08:08&method=zhima.merchant.creditlife.risk.apply&app_id=4424&sign_type=RSA2&sign=ERITJKEIJKJHKKKKKKKHJEREEEEEEEEEEE&version=1.0&biz_content=
  {
"transaction_id":"24812155555",
"cert_no":"110101200112302357",
"address":"浙江省杭州市西湖区万塘路18号黄龙时代广场",
"mobile":"13800001234",
"name":"张三",
"item_id":"2017102501000111123481626070"
  }

//为确保安全通信，需自行验证响应示例中的sign值是否为蚂蚁金服所提供。

{
	"zhima_merchant_creditlife_risk_apply_response":{
		"msg":"Success",
		"zm_score":"678",
		"code":"10000",
		"zm_risk":"Y",
		"open_id":"无",
		"zm_grade":"较差"
	},
	"sign":"ERITJKEIJKJHKKKKKKKHJEREEEEEEEEEEE"
}

{
	"zhima_merchant_creditlife_risk_apply_response":{
		"msg":"Service Currently Unavailable",
		"code":"20000",
		"sub_msg":"系统繁忙",
		"sub_code":"isp.unknow-error"
	},
	"sign":"ERITJKEIJKJHKKKKKKKHJEREEEEEEEEEEE"
}