这是拿到的回调，但是感觉有点一头雾水

{
    "id": "c5e1963a-bd4d-5dd2-bbaf-8f7236a2b20a",
    "create_time": "2025-01-15T15:04:03+08:00",
    "resource_type": "encrypt-resource",
    "event_type": "MCHTRANSFER.BILL.FINISHED",
    "summary": "商家转账单据终态通知",
    "resource": {
        "original_type": "mch_payment",
        "algorithm": "AEAD_AES_256_GCM",
        "ciphertext": "v75TK/IvCFRgXNpqbGznLdRlKqE0y+ynBORLbvCIgN28wJZLHFPnYxJZAuZnAcaO4cFx8W/JP4orDR0Em1Z8tF09CGCYa7aLaCdR0JFWCCcIDgxzp4XkYFYEnu5l/W9GZiWnqRl9fWGIjVpKD3o2Y1B3RTubdrFUDyqP9e7rLcc5MeUdzqsemqCuhuQo/JqXolb0d5ZfGI/N/CVCkzlEFMDg9pFJrmC3T5Dati9gXzyMWGifPKaE2pil1mkVDoi5hWctjkvLAudlh4Bqr1vdCQgBDhzNugkQPGvYJ9f0bIp7yK3Oj0TfoKdBm3dgnSkmauI6WY5njyBuLml5/9D8X/VwcYzgySdbgQuSHwtIZizPXikdKa3t53L+G38m+apDz32vFz+bm20dqMJelxivDHk9O8H5wf46WeQX",
        "associated_data": "mch_payment",
        "nonce": "fPqxLQRZmjVn"
    }
}