实现完整支付流程发起验证路由执行回执

solve()

①余额检查: 36000.00 >= 3000.00 -> PASS
②限额验证: 3000.00 <= 200000.00 -> PASS
③账户状态: from=ACTIVE, to=ACTIVE -> PASS
④执行转账: SUCCESS
⑤生成回执: {"code": 0, "from": "6212001000000005", "to": "6212001000000002", "amount": 3000.0, "status": "COMPLETED"}