1) 取本次请求的全部参数（不含 sign 自身）；
2) 按参数名 ASCII 升序排序，拼接成 k1=v1&k2=v2&…；
3) 末尾追加 &key=你的AppKey；
4) 对整串做 MD5 后转大写，即得 sign。

{
    "ok": 2,
    "msg": "权利主体登记成功",
    "data": {
        "userid": "A101",
        "usertype": "企业法人",
        "username": "拇*****公司",
        "idcardno": "91*****97L",
        "idcardfimg": "https:\/\/f.*********.jpg",
        "phonenum": "13159414139",
        "province": "福建",
        "city": "厦门市",
        "district": "思明区",
        "town": "开元街道",
        "address": "**********室",
        "idcardbimg": "https:\/\/f.*********.jpg"
    }
}

{
    "ok": 0,
    "msg": "请传入用户编号【userid】"
}

{
    "ok": 0,
    "msg": "余额不足，且无可用套餐，请充值后重试。"
}

{
    "ok": 0,
    "msg": "接口【权利主体登记接口】已停用，暂停调用，请联系管理员。"
}

缺少必要的参数【appid、sendtime、sign】请详看开发文档。
AppID不存在，请联系产品经理进行业务开通。
sendtime不是10位的数字。
时间戳超时，请重新请求。
签名校验失败。
余额不足，请充值后重试。
接口【XXX】已停用，暂停调用，请联系管理员。

curl -X POST "https://quanzhou.muzhiyun.com/api/bqowner.do" \
  -H "Content-Type: application/json" \
  -d &#039;{"appid":"你的AppID", "sendtime":"<当前时间戳>", "sign":"<按签名算法计算>", "appid":"muzhiyun","sendtime":"1790784000","addr":"厦门市思明区开元街道禾祥西路587号聚祥广场A栋801室","qianzhang":"http:\/\/img.163.com\/fifle\/202256.jpg","phonenum":"13159414139","idcardbimg":"http:\/\/img.163.com\/fifle\/202256.jpg","idcardfimg":"http:\/\/img.163.com\/fifle\/202256.jpg","idcardcat":"统一社会信用代码证","idcardno":"91350205MA8TE0P97L","username":"拇指云（厦门）软件有限公司","usertype":"企业法人","userid":"A101" }'

<?php
$appId  = "你的AppID";      // 没有则填 muzhiyun
$appKey = "你的AppKey";
$url    = "https://quanzhou.muzhiyun.com/api/bqowner.do";

$params = [
    &#039;appid' => 'muzhiyun',
    &#039;sendtime' => '1790784000',
    &#039;addr' => '厦门市思明区开元街道禾祥西路587号聚祥广场A栋801室',
    &#039;qianzhang' => 'http://img.163.com/fifle/202256.jpg',
    &#039;phonenum' => '13159414139',
    &#039;idcardbimg' => 'http://img.163.com/fifle/202256.jpg',
    &#039;idcardfimg' => 'http://img.163.com/fifle/202256.jpg',
    &#039;idcardcat' => '统一社会信用代码证',
    &#039;idcardno' => '91350205MA8TE0P97L',
    &#039;username' => '拇指云（厦门）软件有限公司',
    &#039;usertype' => '企业法人',
    &#039;userid' => 'A101',
];
// 以下三项由代码自动补，无需手填
$params["appid"]    = $appId;
$params["sendtime"] = (string)time();
ksort($params);
$src = &#039;';
foreach($params as $k=>$v) $src .= $k.&#039;='.$v.'&';
$src .= &#039;key='.$appKey;
$params["sign"] = strtoupper(md5($src));

$ch = curl_init();
curl_setopt_array($ch, [
    CURLOPT_URL            => $url,
    CURLOPT_POST           => true,
    CURLOPT_HTTPHEADER     => [&#039;Content-Type: application/json'],
    CURLOPT_POSTFIELDS     => json_encode($params, JSON_UNESCAPED_UNICODE),
    CURLOPT_RETURNTRANSFER => true,
    CURLOPT_TIMEOUT        => 30,
]);

$resp = curl_exec($ch);
curl_close($ch);
echo $resp;

import time, hashlib, json, urllib.request

APP_ID  = "你的AppID"      # 没有则填 muzhiyun
APP_KEY = "你的AppKey"
URL     = "https://quanzhou.muzhiyun.com/api/bqowner.do"

params = {
    "appid": "muzhiyun",
    "sendtime": "1790784000",
    "addr": "厦门市思明区开元街道禾祥西路587号聚祥广场A栋801室",
    "qianzhang": "http://img.163.com/fifle/202256.jpg",
    "phonenum": "13159414139",
    "idcardbimg": "http://img.163.com/fifle/202256.jpg",
    "idcardfimg": "http://img.163.com/fifle/202256.jpg",
    "idcardcat": "统一社会信用代码证",
    "idcardno": "91350205MA8TE0P97L",
    "username": "拇指云（厦门）软件有限公司",
    "usertype": "企业法人",
    "userid": "A101",
}
params["appid"]    = APP_ID
params["sendtime"] = str(int(time.time()))
params = dict(sorted(params.items()))  # 参数名升序
sign_src = "&".join(f"{k}={v}" for k, v in params.items()) + "&key=" + APP_KEY
params["sign"] = hashlib.md5(sign_src.encode("utf-8")).hexdigest().upper()

req = urllib.request.Request(
    URL,
    data=json.dumps(params).encode("utf-8"),
    headers={"Content-Type": "application/json"},
    method="POST",
)
print(urllib.request.urlopen(req, timeout=30).read().decode("utf-8"))

const url = "https://quanzhou.muzhiyun.com/api/bqowner.do";
const params = {
  'appid': 'muzhiyun',
  'sendtime': '1790784000',
  'addr': '厦门市思明区开元街道禾祥西路587号聚祥广场A栋801室',
  'qianzhang': 'http://img.163.com/fifle/202256.jpg',
  'phonenum': '13159414139',
  'idcardbimg': 'http://img.163.com/fifle/202256.jpg',
  'idcardfimg': 'http://img.163.com/fifle/202256.jpg',
  'idcardcat': '统一社会信用代码证',
  'idcardno': '91350205MA8TE0P97L',
  'username': '拇指云（厦门）软件有限公司',
  'usertype': '企业法人',
  'userid': 'A101',
  appid: "你的AppID",
  sendtime: String(Math.floor(Date.now()/1000)),
  // sign: 按上文「签名算法」在前端算 md5(ksort(k=v&…)&key=AppKey) 后填入
};
fetch(url, {
  method: "POST",
  headers: { "Content-Type": "application/json" },
  body: JSON.stringify(params),
}).then(r => r.json()).then(console.log);