AlipayClient alipayClient = new DefaultAlipayClient("https://openapi.alipay.com/gateway.do","app_id","your private_key","json","GBK","alipay_public_key","RSA2");
MybankCreditCreditriskGuarschemeQueryRequest request = new MybankCreditCreditriskGuarschemeQueryRequest();
request.setBizContent("{" +
"\"bsn_type\":\"TYZBL\"," +
"\"user\":{" +
"\"use_type\":\"SITE\"," +
"\"ip_id\":\"226610000054341135809\"," +
"\"ip_role_id\":\"226610000054341135809\"," +
"\"site\":\"ALIPAY\"," +
"\"site_user_id\":\"2088100110011001\"," +
"\"site_login_id\":\"abc123\"" +
"    }," +
"\"sale_pd_code\":\"010001200101011019\"" +
"  }");
MybankCreditCreditriskGuarschemeQueryResponse 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);
MybankCreditCreditriskGuarschemeQueryRequest  request= new MybankCreditCreditriskGuarschemeQueryRequest() ;
request.BizContent="{" +
"\"bsn_type\":\"TYZBL\"," +
"\"user\":{" +
"\"use_type\":\"SITE\"," +
"\"ip_id\":\"226610000054341135809\"," +
"\"ip_role_id\":\"226610000054341135809\"," +
"\"site\":\"ALIPAY\"," +
"\"site_user_id\":\"2088100110011001\"," +
"\"site_login_id\":\"abc123\"" +
"    }," +
"\"sale_pd_code\":\"010001200101011019\"" +
"  }";
MybankCreditCreditriskGuarschemeQueryResponse 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 MybankCreditCreditriskGuarschemeQueryRequest ();
$request->setBizContent("{" .
"\"bsn_type\":\"TYZBL\"," .
"\"user\":{" .
"\"use_type\":\"SITE\"," .
"\"ip_id\":\"226610000054341135809\"," .
"\"ip_role_id\":\"226610000054341135809\"," .
"\"site\":\"ALIPAY\"," .
"\"site_user_id\":\"2088100110011001\"," .
"\"site_login_id\":\"abc123\"" .
"    }," .
"\"sale_pd_code\":\"010001200101011019\"" .
"  }");
$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=mybank.credit.creditrisk.guarscheme.query&app_id=5070&sign_type=RSA2&sign=ERITJKEIJKJHKKKKKKKHJEREEEEEEEEEEE&version=1.0&biz_content=
  {
"bsn_type":"TYZBL",
"user":{
"use_type":"SITE",
"ip_id":"226610000054341135809",
"ip_role_id":"226610000054341135809",
"site":"ALIPAY",
"site_user_id":"2088100110011001",
"site_login_id":"abc123"
    },
"sale_pd_code":"010001200101011019"
  }

//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。

{
	"sign":"ERITJKEIJKJHKKKKKKKHJEREEEEEEEEEEE",
	"mybank_credit_creditrisk_guarscheme_query_response":{
		"msg":"Success",
		"code":"10000",
		"admit":true,
		"available_amt":10000.00
	}
}

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