{
"external_user_id": "E123456",
"out_trade_no": "MERCHANT_123",
"pay_expire_time": "2026-05-28 15:00:00",
"pay_mode": "user_pay",
"pnr": "ABC123",
"status": "pending_pay",
"system_no": "RDF202605281430001",
"total_amount": 650
}