1. System failure: The failure of purchase was caused by the failure of China Bank's idle money management system, and the bank will refund the money as soon as possible after the repair. System failures include technical errors, such as server problems and network connection interruption. Customers need to wait patiently, and can contact the bank customer service to understand the specific situation and progress.

2. Human error: the purchase failure is the customer's own error in the transaction process. Enter the wrong amount, choose the wrong option, or fail to complete the necessary steps. Customers should contact the customer service department of Bank of China for help and solutions. Will guide how to correct mistakes and re-trade.

3. Bank processing time: It takes some time to complete the refund processing. This involves the steps and procedures required to check accounting records, audit procedures and other related matters. Each specific case has its own uniqueness, and it is impossible to give a specific time range, but customers can get more detailed information and progress by contacting the customer service of Bank of China. Will provide you with accurate information about refund processing.