Payment Switch [QR online Inbound - Qrquery / Payquery / Payadvice]QR online InboundQrqueryBuisness Logic (业务流程)Core purposePayadviceBuisness Logic (业务流程)Core purposePayqueryBuisness Logic (业务流程)Core PurposeQR online InboundAPIs initiated by wallet applications to the payment backend system (钱包端主动调用支付后端的入站接口)QrqueryQrquery - This interface allows the wallet application to verify a scanned QR code.该接口供钱包应用校验已经扫描得到的二维码。Buisness Logic (业务流程)The end user scans the merchant payment QR code within the wallet application. (用户通过钱包 App 扫描商户支付二维码)The wallet app obtains the raw QR code string, which cannot be consumed directly for payment. (App 获取二维码原始字符串不可直接用于支付)The wallet app invokes the Qrquery API and submits the QR code payload to the backend server. (App 调用 Qrquery 查询 API将二维码数据提交至服务端)The backend server performs validation checks, including QR code legitimacy, expiry status, associated merchant information, transaction amount and other attributes. (服务端完成校验判断二维码合法性、有效期、所属商户、交易金额等信息)Validation results are returned to the wallet app, which proceeds with subsequent payment processing based on the response (服务端返回校验结果钱包 App 依据结果继续执行后续支付流程)Core purposeVerify the authenticity and validity of the scanned QR code prior to payment initiation to mitigate risks of counterfeit QR codes. This is a critical component of payment security. (扫码完成后优先核验二维码的真伪与有效性防范伪造二维码风险是支付安全的重要组成部分。)PayadvicePayadvice - This interface allows the wallet provider to send a payment advice. While the wallet provider may approve the transaction internally, the payment backend may still respond with a transaction decline.Payadvice 接口用于钱包服务商推送支付通知报文。即便钱包服务商内部已核准该笔交易支付后端仍有可能返回交易拒绝结果。Buisness Logic (业务流程)After internal transaction approval, the wallet provider invokes the Payadvice interface to submit payment advice. (钱包服务商完成交易内部审批后调用 Payadvice 接口提交支付通知报文)Wallet-side approval does not constitute final transaction confirmation. The payment backend performs independent rule validation and is entitled to decline the transaction. (钱包侧审批不代表交易最终确认支付后端会独立校检业务规则有权拒绝交易)The wallet provider shall handle decline responses and conduct follow-up transaction status management accordingly. (钱包服务商需处理交易拒绝返回结果完成后续交易状态跟进与维护)Core purposeReport wallet-side payment processing results to the payment backend. Wallet internal approval is not final; the payment backend holds the final adjudication authority for all transactions.向支付后端上报钱包侧支付处理结果钱包内部审批不等于交易最终成功支付后端拥有交易最终裁决权。PayqueryPayquery - The Payquery API enables the mobile server to retrieve the status of an existing payment request. (Payquery API 供移动端服务端查询一笔支付请求的交易状态。)Buisness Logic (业务流程)When the payment outcome is not available synchronously, the mobile server may invoke this API to poll for the latest status of the payment request. (当支付请求结果未即时返回时移动端服务端可调用该接口轮询查询支付请求的最新状态。)The API returns current transaction status such as processing, payment successful or payment failed. (接口返回交易当前状态例如处理中、支付成功、支付失败等。)The mobile server shall update local transaction records and trigger subsequent business logic according to the returned status. (移动端服务端依据返回的状态更新本地交易记录并执行后续业务逻辑。)Core PurposeProvide payment status lookup capability to obtain the final result for asynchronous payment requests. (提供支付状态查询能力用于获取异步支付请求的最终交易结果。)