淘宝开放平台

请求地址：

环境	HTTP请求地址	HTTPS请求地址
正式环境	http://gw.api.taobao.com/router/rest	https://eco.taobao.com/router/rest

公共请求参数：

名称	类型	是否必须	描述
method	String	是	API接口名称。
app_key	String	是	TOP分配给应用的AppKey。
target_app_key	String	否	被调用的目标AppKey，仅当被调用的API为第三方ISV提供时有效。
sign_method	String	是	签名的摘要算法，可选值为：hmac，md5。
sign	String	是	API输入参数签名结果，签名算法介绍请点击这里。
session	String	否	用户登录授权成功后，TOP颁发给应用的授权信息，详细介绍请点击这里。当此API的标签上注明：“需要授权”，则此参数必传；“不需要授权”，则此参数不需要传；“可选授权”，则此参数为可选。
timestamp	String	是	时间戳，格式为yyyy-MM-dd HH:mm:ss，时区为GMT+8，例如：2015-01-01 12:00:00。淘宝API服务端允许客户端请求最大时间误差为10分钟。
format	String	否	响应格式。默认为xml格式，可选值：xml，json。
v	String	是	API协议版本，可选值：2.0。
partner_id	String	否	合作伙伴身份标识。
simplify	Boolean	否	是否采用精简JSON返回格式，仅当format=json时有效，默认值为：false。

名称	类型	是否必须	示例值	更多限制	描述
req	FinanceSync4IndependentReq	可选			入参
└ real_name String 可选 xxx 贷款人姓名 └ order_id Number 必须 123456 订单id └ id_card_no String 可选 210203123323322332 贷款人身份证号 └ biz_content String 可选线下提交资料业务备注信息 └ phone_num String 可选 15901297516 贷款人手机号 └ down_payment_amount Number 可选 1000 首付金额（单位分） └ credit_amount Number 可选 1000 分期总额（单位分） └ loan_amount Number 可选 1000 放款金额（单位分） └ status String 必须 USER_CONFIRM 履约状态 └ outer_finance_order_id String 可选 123456 外部金融单号 finance_plan_info FinancePlanInfo 可选金融方案 └ plan_group_id String 可选 1 金融方案groupId └ plan_name String 可选定额贷金融方案名称 └ plan_desc String 可选定额贷描述文案金融方案描述信息 └ down_payment_ratio String 可选 0.3 首付比例（3层首付则为0.3） └ periods String 可选 12 期数 └ original_monthly_payment Number 可选 220 原月供（单位：分） └ current_monthly_payment Number 可选 110 当前优惠月供（单位：分） └ original_rate String 可选 0.0435 原费率 └ discount_rate String 可选 0.0435 当前优惠费率 └ original_interest_rate String 可选 0.0435 原利率 └ discount_interest_rate String 可选 0.0435 当前优惠利率 └ total_interest_amount Number 可选 1180 利息总额（单位：分） └ optimal Boolean 可选 false 是否最优 └ org_name String 可选金融机构金融机构名称 └ end_payment_ratio String 可选 0.3 尾款比例 └ end_payment_amt Number 可选 3200 尾款金额（单位：分） └ need_addition_loan Boolean 可选 false 是否需要附加贷

名称	类型	示例值	描述
result	AliAutoResult		出参
└ success Boolean false 是否成功 └ msg_info String 履约单不存在错误信息 └ msg_code String CAR-FINANCE-0009 错误code

JAVA
.NET
PHP
CURL
Python
C/C++
NodeJS

TaobaoClient client = new DefaultTaobaoClient(url, appkey, secret);
TmallAliautoIndependentAppFinanceStatusSyncRequest req = new TmallAliautoIndependentAppFinanceStatusSyncRequest();
TmallAliautoIndependentAppFinanceStatusSyncRequest.FinanceSync4IndependentReq obj1 = new TmallAliautoIndependentAppFinanceStatusSyncRequest.FinanceSync4IndependentReq();
obj1.setRealName("xxx");
obj1.setOrderId(123456L);
obj1.setIdCardNo("210203123323322332");
obj1.setBizContent("线下提交资料");
obj1.setPhoneNum("15901297516");
obj1.setDownPaymentAmount(1000L);
obj1.setCreditAmount(1000L);
obj1.setLoanAmount(1000L);
obj1.setStatus("USER_CONFIRM");
obj1.setOuterFinanceOrderId("123456");
TmallAliautoIndependentAppFinanceStatusSyncRequest.FinancePlanInfo obj2 = new TmallAliautoIndependentAppFinanceStatusSyncRequest.FinancePlanInfo();
obj2.setPlanGroupId("1");
obj2.setPlanName("定额贷");
obj2.setPlanDesc("定额贷描述文案");
obj2.setDownPaymentRatio("0.3");
obj2.setPeriods("12");
obj2.setOriginalMonthlyPayment(220L);
obj2.setCurrentMonthlyPayment(110L);
obj2.setOriginalRate("0.0435");
obj2.setDiscountRate("0.0435");
obj2.setOriginalInterestRate("0.0435");
obj2.setDiscountInterestRate("0.0435");
obj2.setTotalInterestAmount(1180L);
obj2.setOptimal(false);
obj2.setOrgName("金融机构");
obj2.setEndPaymentRatio("0.3");
obj2.setEndPaymentAmt(3200L);
obj2.setNeedAdditionLoan(false);
obj1.setFinancePlanInfo(obj2);
req.setReq(obj1);
TmallAliautoIndependentAppFinanceStatusSyncResponse rsp = client.execute(req, sessionKey);
System.out.println(rsp.getBody());

ITopClient client = new DefaultTopClient(url, appkey, secret);
TmallAliautoIndependentAppFinanceStatusSyncRequest req = new TmallAliautoIndependentAppFinanceStatusSyncRequest();
TmallAliautoIndependentAppFinanceStatusSyncRequest.FinanceSync4IndependentReqDomain obj1 = new TmallAliautoIndependentAppFinanceStatusSyncRequest.FinanceSync4IndependentReqDomain();
obj1.RealName = "xxx";
obj1.OrderId = 123456L;
obj1.IdCardNo = "210203123323322332";
obj1.BizContent = "线下提交资料";
obj1.PhoneNum = "15901297516";
obj1.DownPaymentAmount = 1000L;
obj1.CreditAmount = 1000L;
obj1.LoanAmount = 1000L;
obj1.Status = "USER_CONFIRM";
obj1.OuterFinanceOrderId = "123456";
TmallAliautoIndependentAppFinanceStatusSyncRequest.FinancePlanInfoDomain obj2 = new TmallAliautoIndependentAppFinanceStatusSyncRequest.FinancePlanInfoDomain();
obj2.PlanGroupId = "1";
obj2.PlanName = "定额贷";
obj2.PlanDesc = "定额贷描述文案";
obj2.DownPaymentRatio = "0.3";
obj2.Periods = "12";
obj2.OriginalMonthlyPayment = 220L;
obj2.CurrentMonthlyPayment = 110L;
obj2.OriginalRate = "0.0435";
obj2.DiscountRate = "0.0435";
obj2.OriginalInterestRate = "0.0435";
obj2.DiscountInterestRate = "0.0435";
obj2.TotalInterestAmount = 1180L;
obj2.Optimal = false;
obj2.OrgName = "金融机构";
obj2.EndPaymentRatio = "0.3";
obj2.EndPaymentAmt = 3200L;
obj2.NeedAdditionLoan = false;
obj1.FinancePlanInfo= obj2;
req.Req_ = obj1;
TmallAliautoIndependentAppFinanceStatusSyncResponse rsp = client.Execute(req, sessionKey);
Console.WriteLine(rsp.Body);

$c = new TopClient;
$c->appkey = $appkey;
$c->secretKey = $secret;
$req = new TmallAliautoIndependentAppFinanceStatusSyncRequest;
$req = new FinanceSync4IndependentReq;
$req->real_name="xxx";
$req->order_id="123456";
$req->id_card_no="210203123323322332";
$req->biz_content="线下提交资料";
$req->phone_num="15901297516";
$req->down_payment_amount="1000";
$req->credit_amount="1000";
$req->loan_amount="1000";
$req->status="USER_CONFIRM";
$req->outer_finance_order_id="123456";
$finance_plan_info = new FinancePlanInfo;
$finance_plan_info->plan_group_id="1";
$finance_plan_info->plan_name="定额贷";
$finance_plan_info->plan_desc="定额贷描述文案";
$finance_plan_info->down_payment_ratio="0.3";
$finance_plan_info->periods="12";
$finance_plan_info->original_monthly_payment="220";
$finance_plan_info->current_monthly_payment="110";
$finance_plan_info->original_rate="0.0435";
$finance_plan_info->discount_rate="0.0435";
$finance_plan_info->original_interest_rate="0.0435";
$finance_plan_info->discount_interest_rate="0.0435";
$finance_plan_info->total_interest_amount="1180";
$finance_plan_info->optimal="false";
$finance_plan_info->org_name="金融机构";
$finance_plan_info->end_payment_ratio="0.3";
$finance_plan_info->end_payment_amt="3200";
$finance_plan_info->need_addition_loan="false";
$req->setFinancePlanInfo(json_encode($finance_plan_info));
$req->setReq(json_encode($req));
$resp = $c->execute($req, $sessionKey);

curl -X POST 'http://gw.api.taobao.com/router/rest' \
-H 'Content-Type:application/x-www-form-urlencoded;charset=utf-8' \
-d 'app_key=12129701' \
-d 'format=json' \
-d 'method=tmall.aliauto.independent.app.finance.status.sync' \
-d 'partner_id=apidoc' \
-d 'session=5014824f-9151-4c2e-9ee7-d71d0487b942' \
-d 'sign=27A79DF1E88A02A18A21C0694F010D5F' \
-d 'sign_method=hmac' \
-d 'timestamp=2025-07-08+22%3A58%3A07' \
-d 'v=2.0' \
-d 'req=null'

# -*- coding: utf-8 -*-
import top.api

req=top.api.TmallAliautoIndependentAppFinanceStatusSyncRequest(url,port)
req.set_app_info(top.appinfo(appkey,secret))

req.req="数据结构示例JSON格式"
try:
	resp= req.getResponse(sessionkey)
	print(resp)
except Exception,e:
	print(e)

pTopRequest pRequest = alloc_top_request();
pTopResponse pResponse = NULL;
pTaobaoClient pClient = alloc_taobao_client(url, appkey, appsecret);
set_api_name(pRequest,"tmall.aliauto.independent.app.finance.status.sync");
add_param(pRequest,"req","数据结构JSON示例");
pResponse = top_execute(pClient,pRequest,sessionKey);
printf("ret code:%d\n",pResponse->code);
if(pResponse->code == 0){
	pTopResponseIterator ite = init_response_iterator(pResponse);
	pResultItem pResultItem = alloc_result_item();
	while(parseNext(ite, pResultItem) == 0){
		printf("%s:%s\n",pResultItem->key,pResultItem->value);
	}
	destroy_response_iterator(ite);
	destroy_result_item(pResultItem);
}
destroy_top_request(pRequest);
destroy_top_response(pResponse);
destroy_taobao_client(pClient);

TopClient = require('./topClient').TopClient;
var client = new TopClient({
	'appkey': 'appkey',
	'appsecret': 'secret',
	'REST_URL': 'http://gw.api.taobao.com/router/rest'
});

client.execute('tmall.aliauto.independent.app.finance.status.sync', {
	'req':'数据结构JSON示例'
}, function(error, response) {
	if (!error) console.log(response);
	else console.log(error);
})

XML示例
JSON示例

<tmall_aliauto_independent_app_finance_status_sync_response>
    <result>
        <success>false</success>
        <msg_info>履约单不存在</msg_info>
        <msg_code>CAR-FINANCE-0009</msg_code>
    </result>
</tmall_aliauto_independent_app_finance_status_sync_response>

{
    "tmall_aliauto_independent_app_finance_status_sync_response":{
        "result":{
            "success":false,
            "msg_info":"履约单不存在",
            "msg_code":"CAR-FINANCE-0009"
        }
    }
}

XML示例
JSON示例

<error_response>
    <code>50</code>
    <msg>Remote service error</msg>
    <sub_code>isv.invalid-parameter</sub_code>
    <sub_msg>非法参数</sub_msg>
</error_response>

{
	"error_response":{
		"msg":"Remote service error",
		"code":50,
		"sub_msg":"非法参数",
		"sub_code":"isv.invalid-parameter"
	}
}

错误码	错误描述	解决方案

API测试工具错误码查询工具 SDK下载

天猫汽车金融

tmall.aliauto.independent.app.finance.status.sync (主机金融履约状态同步)

公共参数

请求参数

响应参数

请求示例

响应示例

异常示例

错误码解释

API工具

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