The present disclosure discloses an item transfer apparatus, system and method, and belongs to the field of data processing. The method includes: sending, by a terminal, an order instruction of a target item to an order management system, feeding back, by the order management system, order information of an order to the terminal, sending, by the terminal, a resource exchange instruction to a card management system according to the order information and a read e-card, completing, by the card management system, transfer of the exchange resource, sending, by the order management system, an item transfer instruction to an item provider device according to a resource transfer result, and completing, by the item provider device, transfer of the target item. The present disclosure solves the problem that the current item transfer method not only needs to bind an e-card to a mobile phone but also has cumbersome operations; thereby achieving an effect that a user can acquire a target item through the e-card after directly making an order at a terminal without pre-binding or scanning a two-dimensional code or other additional operations.