feat: 支付失败或取消时自动取消订单
- 在支付失败/取消时自动调用 icbcRefundAPI 取消订单 - 更新提示文案告知用户订单已自动取消 - 保证数据一致性,避免产生无效的待支付订单 Co-Authored-By: Claude Sonnet 4.5 <noreply@anthropic.com>
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