feat(account): 대출 계좌 loan_amount/loan_rate/loan_method/loan_months/loan_start 필드 추가

- wallet 테이블: loan_amount(실행금액), loan_rate(연이자율%), loan_method(상환방식),
  loan_months(기간), loan_start(시작일) ALTER TABLE 추가
- Wallet 도메인/DTO/Mapper/Service 동기화
- WalletResponse.from()에 대출 필드 반영

Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>

.gitignore

@@ -2,6 +2,10 @@ HELP.md
 .gradle
 build/
 
+# 로컬 전용 테스트/시드 스크립트 (실제 이메일·프리미엄 부여 포함 — 커밋 금지)
+scripts/seed-test-*.sql
+scripts/cleanup-test-*.sql
+
 # 환경변수 / 비밀 정보 (실제 .env 는 커밋 금지, .env.example 만 추적)
 .env
 !gradle/wrapper/gradle-wrapper.jar

src/main/java/com/sb/web/account/controller/BudgetController.java

@@ -50,8 +50,22 @@ public class BudgetController {
 
     @GetMapping
     public List<BudgetResponse> list(
+            @RequestParam int year,
+            @RequestParam int month,
             @RequestAttribute(AuthInterceptor.CURRENT_MEMBER) SessionUser current) {
-        return budgetService.list(current.getId());
+        return budgetService.list(current.getId(), year, month);
+    }
+
+    /** 다른 월의 예산을 이 달로 복사(전월 복사 등). 같은 분류는 덮어씀 */
+    @PostMapping("/copy")
+    public List<BudgetResponse> copy(
+            @RequestParam int fromYear,
+            @RequestParam int fromMonth,
+            @RequestParam int toYear,
+            @RequestParam int toMonth,
+            @RequestAttribute(AuthInterceptor.CURRENT_MEMBER) SessionUser current) {
+        budgetService.copy(current.getId(), fromYear, fromMonth, toYear, toMonth);
+        return budgetService.list(current.getId(), toYear, toMonth);
     }
 
     @GetMapping("/status")
@@ -74,9 +88,11 @@ public class BudgetController {
 
     @PostMapping
     public ResponseEntity<BudgetResponse> create(
+            @RequestParam int year,
+            @RequestParam int month,
             @Valid @RequestBody BudgetRequest req,
             @RequestAttribute(AuthInterceptor.CURRENT_MEMBER) SessionUser current) {
-        return ResponseEntity.status(HttpStatus.CREATED).body(budgetService.create(req, current.getId()));
+        return ResponseEntity.status(HttpStatus.CREATED).body(budgetService.create(req, current.getId(), year, month));
     }
 
     @PutMapping("/{id}")

src/main/java/com/sb/web/account/controller/FxController.java

@@ -0,0 +1,37 @@
+package com.sb.web.account.controller;
+
+import com.sb.web.account.service.FxService;
+import org.springframework.web.bind.annotation.GetMapping;
+import org.springframework.web.bind.annotation.RequestMapping;
+import org.springframework.web.bind.annotation.RequestParam;
+import org.springframework.web.bind.annotation.RestController;
+
+import java.math.BigDecimal;
+import java.util.HashMap;
+import java.util.Map;
+
+/**
+ * 환율 조회 API. 외화 결제 입력 시 통화→원화 환율 자동 채움용.
+ *   GET /api/fx/rate?from=USD&to=KRW  →  { from, to, rate }
+ */
+@RestController
+@RequestMapping("/api/fx")
+public class FxController {
+
+    private final FxService fxService;
+
+    public FxController(FxService fxService) {
+        this.fxService = fxService;
+    }
+
+    @GetMapping("/rate")
+    public Map<String, Object> rate(@RequestParam String from,
+                                    @RequestParam(defaultValue = "KRW") String to) {
+        BigDecimal rate = fxService.getRate(from, to);
+        Map<String, Object> res = new HashMap<>();
+        res.put("from", from == null ? null : from.toUpperCase());
+        res.put("to", to == null ? null : to.toUpperCase());
+        res.put("rate", rate); // 조회 실패 시 null
+        return res;
+    }
+}

src/main/java/com/sb/web/account/domain/AccountEntry.java

@@ -6,6 +6,7 @@ import lombok.Data;
 import lombok.NoArgsConstructor;
 
 import java.io.Serializable;
+import java.math.BigDecimal;
 import java.time.LocalDate;
 import java.time.LocalDateTime;
 
@@ -30,6 +31,9 @@ public class AccountEntry implements Serializable {
     private Long toWalletId;    // 이체 입금 계좌
     private String toWalletName;
     private Integer installmentMonths; // 카드 할부 개월수(2~24, 일시불은 null)
+    private String currency;            // 외화 통화코드(USD 등). null/KRW = 원화
+    private BigDecimal originalAmount;  // 외화 원본 금액
+    private BigDecimal exchangeRate;    // 적용 환율(외화 1단위→원화)
     private Boolean pending;     // 확인 필요(미확정) 여부 — 알림 자동인식 건
     private String notifKey;     // 알림 자동인식 중복방지 키
     private LocalDateTime createdAt;

src/main/java/com/sb/web/account/domain/Budget.java

@@ -28,6 +28,8 @@ public class Budget implements Serializable {
     private Long weekly;
     private Long monthly;
     private Long yearly;
+    private Integer year;      // 예산 연도(월별 예산)
+    private Integer month;     // 예산 월(1~12)
     private LocalDateTime createdAt;
     private LocalDateTime updatedAt;
 }

src/main/java/com/sb/web/account/domain/Wallet.java

@@ -6,6 +6,7 @@ import lombok.Data;
 import lombok.NoArgsConstructor;
 
 import java.io.Serializable;
+import java.math.BigDecimal;
 import java.time.LocalDate;
 import java.time.LocalDateTime;
 
@@ -29,6 +30,11 @@ public class Wallet implements Serializable {
     private Long openingBalance;  // 초기 잔액(부호있음: 자산+, 부채-)
     private LocalDate openingDate;
     private Long currentValue;    // 현재 평가금액 (INVEST 전용, 수동 갱신)
+    private Long loanAmount;       // 대출 실행 금액(원금, 처음 빌린 금액) (LOAN 전용)
+    private BigDecimal loanRate;   // 연이자율(%) e.g. 5.25 (LOAN 전용)
+    private String loanMethod;     // 상환방식: EQUAL_PAYMENT / EQUAL_PRINCIPAL / BULLET (LOAN 전용)
+    private Integer loanMonths;    // 대출기간(개월) (LOAN 전용)
+    private LocalDate loanStart;   // 대출시작일 (LOAN 전용)
     private Integer sortOrder;    // 표시 순서 (타입 내 정렬)
     private LocalDateTime createdAt;
     private LocalDateTime updatedAt;

src/main/java/com/sb/web/account/dto/AccountEntryRequest.java

@@ -9,6 +9,7 @@ import jakarta.validation.constraints.PositiveOrZero;
 import jakarta.validation.constraints.Size;
 import lombok.Data;
 
+import java.math.BigDecimal;
 import java.time.LocalDate;
 import java.util.List;
 
@@ -48,4 +49,10 @@ public class AccountEntryRequest {
 
     /** 선택한 태그 ID 목록 (태그 관리에 등록된 태그, 선택) */
     private List<Long> tagIds;
+
+    /** 외화 결제(선택). currency 가 있으면 amount 는 환산된 원화여야 한다. */
+    @Size(max = 3, message = "통화코드가 올바르지 않습니다.")
+    private String currency;          // USD/JPY 등. null/KRW = 원화
+    private BigDecimal originalAmount; // 외화 원본 금액
+    private BigDecimal exchangeRate;   // 적용 환율(외화 1단위→원화)
 }

src/main/java/com/sb/web/account/dto/AccountEntryResponse.java

@@ -4,6 +4,7 @@ import com.sb.web.account.domain.AccountEntry;
 import lombok.Builder;
 import lombok.Data;
 
+import java.math.BigDecimal;
 import java.time.LocalDate;
 import java.util.List;
 
@@ -26,6 +27,9 @@ public class AccountEntryResponse {
     private String toWalletName;
     private Integer installmentMonths;
     private Boolean pending;
+    private String currency;
+    private BigDecimal originalAmount;
+    private BigDecimal exchangeRate;
     private List<String> tags;
 
     public static AccountEntryResponse from(AccountEntry e, List<String> tags) {
@@ -42,6 +46,9 @@ public class AccountEntryResponse {
                 .toWalletName(e.getToWalletName())
                 .installmentMonths(e.getInstallmentMonths())
                 .pending(Boolean.TRUE.equals(e.getPending()))
+                .currency(e.getCurrency())
+                .originalAmount(e.getOriginalAmount())
+                .exchangeRate(e.getExchangeRate())
                 .tags(tags)
                 .build();
     }

src/main/java/com/sb/web/account/dto/WalletRequest.java

@@ -1,10 +1,13 @@
 package com.sb.web.account.dto;
 
+import jakarta.validation.constraints.DecimalMax;
+import jakarta.validation.constraints.DecimalMin;
 import jakarta.validation.constraints.NotBlank;
 import jakarta.validation.constraints.Pattern;
 import jakarta.validation.constraints.Size;
 import lombok.Data;
 
+import java.math.BigDecimal;
 import java.time.LocalDate;
 
 /**
@@ -37,4 +40,17 @@ public class WalletRequest {
 
     /** 현재 평가금액 (INVEST 전용, 수동 갱신) */
     private Long currentValue;
+
+    // ===== 대출(LOAN) 전용 =====
+    private Long loanAmount;       // 대출 실행 금액(원금)
+
+    @DecimalMin(value = "0.0", inclusive = true)
+    @DecimalMax(value = "100.0", message = "이자율은 100% 이하여야 합니다.")
+    private BigDecimal loanRate;   // 연이자율(%)
+
+    @Pattern(regexp = "EQUAL_PAYMENT|EQUAL_PRINCIPAL|BULLET|", message = "상환방식이 올바르지 않습니다.")
+    private String loanMethod;     // 상환방식
+
+    private Integer loanMonths;    // 대출기간(개월)
+    private LocalDate loanStart;   // 대출시작일
 }

src/main/java/com/sb/web/account/dto/WalletResponse.java

@@ -4,6 +4,7 @@ import com.sb.web.account.domain.Wallet;
 import lombok.Builder;
 import lombok.Data;
 
+import java.math.BigDecimal;
 import java.time.LocalDate;
 
 /**
@@ -31,6 +32,13 @@ public class WalletResponse {
     private Long currentValue;    // 평가액 직접입력값(퇴직연금·연금 등 수동 갱신). 있으면 총평가로 사용
     private Boolean manualValuation; // true면 평가액 직접입력형(종목 자동계산 대신)
 
+    // 대출(LOAN) 전용
+    private Long loanAmount;       // 대출 실행 금액(원금)
+    private BigDecimal loanRate;   // 연이자율(%) e.g. 5.25
+    private String loanMethod;     // EQUAL_PAYMENT / EQUAL_PRINCIPAL / BULLET
+    private Integer loanMonths;    // 대출기간(개월)
+    private LocalDate loanStart;   // 대출시작일
+
     public static WalletResponse from(Wallet w, long balance) {
         return WalletResponse.builder()
                 .id(w.getId())
@@ -43,6 +51,11 @@ public class WalletResponse {
                 .openingDate(w.getOpeningDate())
                 .balance(balance)
                 .currentValue(w.getCurrentValue())
+                .loanAmount(w.getLoanAmount())
+                .loanRate(w.getLoanRate())
+                .loanMethod(w.getLoanMethod())
+                .loanMonths(w.getLoanMonths())
+                .loanStart(w.getLoanStart())
                 .build();
     }
 }

src/main/java/com/sb/web/account/mapper/BudgetMapper.java

@@ -12,13 +12,24 @@ import java.util.List;
 @Mapper
 public interface BudgetMapper {
 
-    List<Budget> findByMember(@Param("memberId") Long memberId);
+    List<Budget> findByMember(@Param("memberId") Long memberId,
+                              @Param("year") Integer year,
+                              @Param("month") Integer month);
 
     Budget findByIdAndMember(@Param("id") Long id, @Param("memberId") Long memberId);
 
     int countByCategory(@Param("memberId") Long memberId,
                         @Param("category") String category,
-                        @Param("excludeId") Long excludeId);
+                        @Param("excludeId") Long excludeId,
+                        @Param("year") Integer year,
+                        @Param("month") Integer month);
+
+    /** fromYear/fromMonth 예산을 toYear/toMonth 로 복사(같은 분류는 덮어씀). 복사된 건수 반환 */
+    int copyMonth(@Param("memberId") Long memberId,
+                  @Param("fromYear") Integer fromYear,
+                  @Param("fromMonth") Integer fromMonth,
+                  @Param("toYear") Integer toYear,
+                  @Param("toMonth") Integer toMonth);
 
     int insert(Budget budget);
 

src/main/java/com/sb/web/account/service/AccountService.java

@@ -234,6 +234,9 @@ public class AccountService {
                 .walletId(req.getWalletId())
                 .toWalletId(transfer ? req.getToWalletId() : null)
                 .installmentMonths(installmentOf(req))
+                .currency(req.getCurrency())
+                .originalAmount(req.getOriginalAmount())
+                .exchangeRate(req.getExchangeRate())
                 .build();
         mapper.insert(entry);
         applyTags(entry.getId(), req.getTagIds(), memberId);
@@ -253,6 +256,9 @@ public class AccountService {
         entry.setWalletId(req.getWalletId());
         entry.setToWalletId(transfer ? req.getToWalletId() : null);
         entry.setInstallmentMonths(installmentOf(req));
+        entry.setCurrency(req.getCurrency());
+        entry.setOriginalAmount(req.getOriginalAmount());
+        entry.setExchangeRate(req.getExchangeRate());
         mapper.update(entry);
 
         mapper.deleteEntryTagsByEntryId(id);
@@ -529,6 +535,12 @@ public class AccountService {
         wallet.setOpeningBalance(req.getOpeningBalance() != null ? req.getOpeningBalance() : 0L);
         wallet.setOpeningDate(req.getOpeningDate());
         wallet.setCurrentValue("INVEST".equals(req.getType()) ? req.getCurrentValue() : null);
+        boolean isLoan = "LOAN".equals(req.getType());
+        wallet.setLoanAmount(isLoan ? req.getLoanAmount() : null);
+        wallet.setLoanRate(isLoan ? req.getLoanRate() : null);
+        wallet.setLoanMethod(isLoan ? blankToNull(req.getLoanMethod()) : null);
+        wallet.setLoanMonths(isLoan ? req.getLoanMonths() : null);
+        wallet.setLoanStart(isLoan ? req.getLoanStart() : null);
         walletMapper.update(wallet);
         return WalletResponse.from(wallet, balanceMap(memberId).getOrDefault(id, wallet.getOpeningBalance()));
     }
@@ -558,6 +570,7 @@ public class AccountService {
     }
 
     private Wallet toWallet(WalletRequest req) {
+        boolean isLoan = "LOAN".equals(req.getType());
         return Wallet.builder()
                 .type(req.getType())
                 .name(req.getName().trim())
@@ -567,6 +580,11 @@ public class AccountService {
                 .openingBalance(req.getOpeningBalance() != null ? req.getOpeningBalance() : 0L)
                 .openingDate(req.getOpeningDate())
                 .currentValue("INVEST".equals(req.getType()) ? req.getCurrentValue() : null)
+                .loanAmount(isLoan ? req.getLoanAmount() : null)
+                .loanRate(isLoan ? req.getLoanRate() : null)
+                .loanMethod(isLoan ? blankToNull(req.getLoanMethod()) : null)
+                .loanMonths(isLoan ? req.getLoanMonths() : null)
+                .loanStart(isLoan ? req.getLoanStart() : null)
                 .build();
     }
 

src/main/java/com/sb/web/account/service/BackupService.java

@@ -156,11 +156,12 @@ public class BackupService {
             }
         }
 
-        // 7) 예산
+        // 7) 예산 — 복구 시 현재 월 예산으로 등록(백업엔 월 정보 없음)
         if (req.getBudgets() != null) {
+            java.time.LocalDate today = java.time.LocalDate.now();
             for (BudgetRequest b : req.getBudgets()) {
                 if (b == null || b.getCategory() == null) continue;
-                budgetService.create(b, memberId);
+                budgetService.create(b, memberId, today.getYear(), today.getMonthValue());
             }
         }
 

src/main/java/com/sb/web/account/service/BudgetService.java

@@ -31,36 +31,46 @@ public class BudgetService {
     private final BudgetMapper budgetMapper;
     private final AccountEntryMapper entryMapper;
 
-    public List<BudgetResponse> list(Long memberId) {
+    public List<BudgetResponse> list(Long memberId, int year, int month) {
-        return budgetMapper.findByMember(memberId).stream().map(BudgetResponse::from).toList();
+        return budgetMapper.findByMember(memberId, year, month).stream().map(BudgetResponse::from).toList();
     }
 
     @Transactional
-    public BudgetResponse create(BudgetRequest req, Long memberId) {
+    public BudgetResponse create(BudgetRequest req, Long memberId, int year, int month) {
         String category = req.getCategory().trim();
-        if (budgetMapper.countByCategory(memberId, category, null) > 0) {
+        if (budgetMapper.countByCategory(memberId, category, null, year, month) > 0) {
             throw new ApiException(HttpStatus.CONFLICT, "이미 예산이 설정된 카테고리입니다.");
         }
         Budget budget = toBudget(req, category);
         budget.setMemberId(memberId);
+        budget.setYear(year);
+        budget.setMonth(month);
         budgetMapper.insert(budget);
         return BudgetResponse.from(budget);
     }
 
     @Transactional
     public BudgetResponse update(Long id, BudgetRequest req, Long memberId) {
-        mustFind(id, memberId);
+        Budget existing = mustFind(id, memberId);
         String category = req.getCategory().trim();
-        if (budgetMapper.countByCategory(memberId, category, id) > 0) {
+        if (budgetMapper.countByCategory(memberId, category, id, existing.getYear(), existing.getMonth()) > 0) {
             throw new ApiException(HttpStatus.CONFLICT, "이미 예산이 설정된 카테고리입니다.");
         }
         Budget budget = toBudget(req, category);
         budget.setId(id);
         budget.setMemberId(memberId);
+        budget.setYear(existing.getYear());
+        budget.setMonth(existing.getMonth());
         budgetMapper.update(budget);
         return BudgetResponse.from(budget);
     }
 
+    /** fromYear/fromMonth 예산을 toYear/toMonth 로 복사(같은 분류 덮어씀). 복사된 건수 반환 */
+    @Transactional
+    public int copy(Long memberId, int fromYear, int fromMonth, int toYear, int toMonth) {
+        return budgetMapper.copyMonth(memberId, fromYear, fromMonth, toYear, toMonth);
+    }
+
     @Transactional
     public void delete(Long id, Long memberId) {
         mustFind(id, memberId);
@@ -79,7 +89,7 @@ public class BudgetService {
         }
 
         List<BudgetStatus> result = new ArrayList<>();
-        for (Budget b : budgetMapper.findByMember(memberId)) {
+        for (Budget b : budgetMapper.findByMember(memberId, year, month)) {
             long monthlyBudget = monthlyBudget(b, daysInMonth);
             long spent = spentByCategory.getOrDefault(b.getCategory(), 0L);
             result.add(BudgetStatus.builder()
@@ -103,7 +113,8 @@ public class BudgetService {
         int y = year != null ? year : Year.now().getValue();
         int m = month != null ? month : 1;
 
-        List<Budget> budgets = budgetMapper.findByMember(memberId);
+        // 기간 차트는 선택 월의 예산을 기준으로 각 버킷에 적용(월별 예산 도입 전 동작과 동일)
+        List<Budget> budgets = budgetMapper.findByMember(memberId, y, m);
         Map<String, Long> expense = new HashMap<>();
         for (Map<String, Object> row : entryMapper.statsByPeriod(memberId, unit, year, month)) {
             expense.put(String.valueOf(((Number) row.get("bucket")).longValue()),

src/main/java/com/sb/web/account/service/FxService.java

@@ -0,0 +1,64 @@
+package com.sb.web.account.service;
+
+import com.fasterxml.jackson.databind.JsonNode;
+import lombok.extern.slf4j.Slf4j;
+import org.springframework.stereotype.Service;
+import org.springframework.web.client.RestClient;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import java.util.Map;
+import java.util.concurrent.ConcurrentHashMap;
+
+/**
+ * 환율 조회. open.er-api.com(무료·무인증) 사용. 통화(base)별로 하루 1회만 호출하고 캐시.
+ * 실패해도 예외를 던지지 않고 null(또는 직전 캐시) 반환.
+ */
+@Slf4j
+@Service
+public class FxService {
+
+    private static final String URL = "https://open.er-api.com/v6/latest/{base}";
+    private final RestClient restClient = RestClient.builder().build();
+
+    private record Cached(LocalDate date, JsonNode rates) {}
+    private final Map<String, Cached> cache = new ConcurrentHashMap<>();
+
+    /** from 통화 1단위 → to 통화 환율. 조회 실패 시 null. */
+    public BigDecimal getRate(String from, String to) {
+        if (from == null || to == null) return null;
+        String base = from.trim().toUpperCase();
+        String target = to.trim().toUpperCase();
+        if (base.isEmpty() || target.isEmpty()) return null;
+        if (base.equals(target)) return BigDecimal.ONE;
+        JsonNode rates = ratesFor(base);
+        if (rates == null) return null;
+        JsonNode r = rates.get(target);
+        return (r != null && r.isNumber()) ? r.decimalValue() : null;
+    }
+
+    private JsonNode ratesFor(String base) {
+        Cached c = cache.get(base);
+        LocalDate today = LocalDate.now();
+        if (c != null && c.date().equals(today)) return c.rates();
+        try {
+            JsonNode root = restClient.get()
+                    .uri(URL, base)
+                    .header("User-Agent", "Mozilla/5.0")
+                    .retrieve()
+                    .body(JsonNode.class);
+            if (root == null || !"success".equals(root.path("result").asText())) {
+                return c != null ? c.rates() : null;
+            }
+            JsonNode rates = root.path("rates");
+            if (rates.isMissingNode() || !rates.isObject()) {
+                return c != null ? c.rates() : null;
+            }
+            cache.put(base, new Cached(today, rates));
+            return rates;
+        } catch (Exception e) {
+            log.warn("환율 조회 실패 base={}: {}", base, e.toString());
+            return c != null ? c.rates() : null; // 실패 시 직전 캐시라도
+        }
+    }
+}

src/main/java/com/sb/web/auth/controller/AuthController.java

@@ -80,6 +80,15 @@ public class AuthController {
         return current;
     }
 
+    /** 회원 탈퇴 — 본인 계정과 모든 데이터 삭제 */
+    @DeleteMapping("/me")
+    public ResponseEntity<Void> withdraw(
+            @RequestAttribute(AuthInterceptor.CURRENT_MEMBER) SessionUser current,
+            HttpServletRequest request) {
+        authService.withdraw(current.getId(), AuthInterceptor.resolveToken(request));
+        return ResponseEntity.noContent().build();
+    }
+
     /** 현재 사용자 활동 포인트 (최신값 — 게시판 작성으로 수시 변동) */
     @GetMapping("/points")
     public java.util.Map<String, Long> points(

src/main/java/com/sb/web/auth/domain/Member.java

@@ -31,6 +31,8 @@ public class Member implements Serializable {
     private String role;         // USER / ADMIN
     private String plan;         // FREE / PREMIUM (멤버십)
     private LocalDateTime planExpiresAt; // 유료 멤버십 만료일 (NULL=만료없음/무료)
+    private String planProduct;  // 구독 상품 ID (premium_monthly 등)
+    private Boolean planAutoRenew; // 자동 갱신 여부 (해지 시 false)
     private Long points;         // 활동 포인트 (게시판 글/댓글 작성 보상)
     private String status;       // ACTIVE / SUSPENDED / WITHDRAWN
     private LocalDateTime createdAt;

src/main/java/com/sb/web/auth/dto/MemberResponse.java

@@ -19,6 +19,8 @@ public class MemberResponse {
     private String role;
     private String plan; // FREE / PREMIUM
     private java.time.LocalDateTime planExpiresAt; // 유료 멤버십 만료일
+    private String planProduct; // 구독 상품 ID
+    private Boolean planAutoRenew; // 자동 갱신 여부
     private Long points; // 활동 포인트
     private String googlePicture; // 구글 아바타 URL
     private String profileImage;  // 사용자 지정 프로필 이미지(data URL)
@@ -33,6 +35,8 @@ public class MemberResponse {
                 .role(m.getRole())
                 .plan(m.getPlan())
                 .planExpiresAt(m.getPlanExpiresAt())
+                .planProduct(m.getPlanProduct())
+                .planAutoRenew(m.getPlanAutoRenew())
                 .points(m.getPoints())
                 .googlePicture(m.getGooglePicture())
                 .profileImage(m.getProfileImage())

src/main/java/com/sb/web/auth/mapper/MemberMapper.java

@@ -50,9 +50,13 @@ public interface MemberMapper {
 
     int updatePlan(@Param("id") Long id, @Param("plan") String plan);
 
-    /** 결제로 멤버십 부여/갱신 (plan + 만료일) */
+    /** 결제로 멤버십 부여/갱신 (plan + 만료일 + 구독상품 + 자동갱신) */
     int updateMembership(@Param("id") Long id, @Param("plan") String plan,
-                         @Param("expiresAt") java.time.LocalDateTime expiresAt);
+                         @Param("expiresAt") java.time.LocalDateTime expiresAt,
+                         @Param("product") String product, @Param("autoRenew") boolean autoRenew);
+
+    /** 구독 해지/재개 (자동 갱신 플래그) */
+    int updateAutoRenew(@Param("id") Long id, @Param("autoRenew") boolean autoRenew);
 
     /** 만료된 유료회원을 FREE 로 강등 (스케줄러). 강등된 건수 반환 */
     int downgradeExpired();

src/main/java/com/sb/web/auth/mapper/WithdrawMapper.java

@@ -0,0 +1,35 @@
+package com.sb.web.auth.mapper;
+
+import org.apache.ibatis.annotations.Mapper;
+import org.apache.ibatis.annotations.Param;
+
+/**
+ * 회원 탈퇴 시 가계부(BackupMapper) 외의 사용자 데이터 정리 — 게시판/포인트/결제/세션.
+ */
+@Mapper
+public interface WithdrawMapper {
+
+    // 게시판 — 내가 누른 표
+    int deletePostVotesByMember(@Param("memberId") Long memberId);
+    int deleteCommentVotesByMember(@Param("memberId") Long memberId);
+
+    // 게시판 — 내 글에 달린 것들 (남이 단 댓글/표 포함)
+    int deleteCommentVotesOnMyPosts(@Param("memberId") Long memberId);
+    int deletePostVotesOnMyPosts(@Param("memberId") Long memberId);
+    int deletePostTagsOnMyPosts(@Param("memberId") Long memberId);
+    int deleteCommentsOnMyPosts(@Param("memberId") Long memberId);
+
+    // 게시판 — 내 댓글(남의 글에 단 것)과 그 표
+    int deleteCommentVotesOnMyComments(@Param("memberId") Long memberId);
+    int deleteCommentsByAuthor(@Param("memberId") Long memberId);
+
+    // 게시판 — 내 글
+    int deletePostsByAuthor(@Param("memberId") Long memberId);
+    int deleteBoardImagesByMember(@Param("memberId") Long memberId);
+
+    // 신고 / 포인트 / 결제 / 세션
+    int deleteReportsByMember(@Param("memberId") Long memberId);
+    int deletePointHistory(@Param("memberId") Long memberId);
+    int deleteIapPurchases(@Param("memberId") Long memberId);
+    int deleteAuthSessions(@Param("memberId") Long memberId);
+}

src/main/java/com/sb/web/auth/service/AuthService.java

@@ -38,6 +38,8 @@ public class AuthService {
     private final RedisTemplate<String, Object> redisTemplate;
     private final com.sb.web.admin.service.AppSettingService appSettingService;
     private final com.sb.web.auth.mapper.AuthSessionMapper authSessionMapper;
+    private final com.sb.web.auth.mapper.WithdrawMapper withdrawMapper;
+    private final com.sb.web.account.mapper.BackupMapper backupMapper;
 
     /** 구글 OAuth 클라이언트 ID (ID 토큰 aud 검증용). 미설정 시 구글 로그인 비활성. */
     @org.springframework.beans.factory.annotation.Value("${app.google-client-id:}")
@@ -289,6 +291,51 @@ public class AuthService {
         }
     }
 
+    /**
+     * 회원 탈퇴 — 사용자가 소유한 모든 데이터를 삭제하고 회원을 제거한다.
+     * (게시판 글/댓글/추천 · 가계부 전체 · 포인트 · 결제기록 · 세션 → 회원)
+     */
+    @Transactional
+    public void withdraw(Long memberId, String token) {
+        Member member = memberMapper.findById(memberId);
+        if (member == null) {
+            throw new ApiException(HttpStatus.NOT_FOUND, "회원을 찾을 수 없습니다.");
+        }
+        // 1) 게시판 — 표/댓글/글/이미지 (참조 순서 고려)
+        withdrawMapper.deletePostVotesByMember(memberId);
+        withdrawMapper.deleteCommentVotesByMember(memberId);
+        withdrawMapper.deleteCommentVotesOnMyPosts(memberId);
+        withdrawMapper.deleteCommentVotesOnMyComments(memberId);
+        withdrawMapper.deleteCommentsOnMyPosts(memberId);
+        withdrawMapper.deleteCommentsByAuthor(memberId);
+        withdrawMapper.deletePostVotesOnMyPosts(memberId);
+        withdrawMapper.deletePostTagsOnMyPosts(memberId);
+        withdrawMapper.deletePostsByAuthor(memberId);
+        withdrawMapper.deleteBoardImagesByMember(memberId);
+        // 2) 가계부(계정) 데이터 (복구 삭제와 동일 순서)
+        backupMapper.deleteEntryTags(memberId);
+        backupMapper.deleteEntries(memberId);
+        backupMapper.deleteRecurrings(memberId);
+        backupMapper.deleteBudgets(memberId);
+        backupMapper.deleteBudgetIncome(memberId);
+        backupMapper.deleteQuickEntries(memberId);
+        backupMapper.deleteInvestTrades(memberId);
+        backupMapper.deleteInvestHoldings(memberId);
+        backupMapper.deleteCategories(memberId);
+        backupMapper.deleteTags(memberId);
+        backupMapper.deleteWallets(memberId);
+        // 3) 신고 / 포인트 / 결제 / 세션
+        withdrawMapper.deleteReportsByMember(memberId);
+        withdrawMapper.deletePointHistory(memberId);
+        withdrawMapper.deleteIapPurchases(memberId);
+        withdrawMapper.deleteAuthSessions(memberId);
+        // 4) 회원 삭제
+        memberMapper.deleteById(memberId);
+        // 5) 현재 세션(Redis) 정리
+        logout(token);
+        log.info("[withdraw] member {} ({}) 및 데이터 전체 삭제", memberId, member.getLoginId());
+    }
+
     /** 만료된 백업 세션 정리 (매일 새벽 4시) */
     @org.springframework.scheduling.annotation.Scheduled(cron = "0 0 4 * * *")
     public void cleanupExpiredSessions() {

src/main/java/com/sb/web/billing/BillingController.java

@@ -4,6 +4,7 @@ import com.sb.web.auth.dto.SessionUser;
 import com.sb.web.auth.web.AuthInterceptor;
 import com.sb.web.billing.dto.MembershipResponse;
 import com.sb.web.billing.dto.ProductResponse;
+import com.sb.web.billing.dto.SubscriptionResponse;
 import com.sb.web.billing.dto.VerifyRequest;
 import jakarta.servlet.http.HttpServletRequest;
 import jakarta.validation.Valid;
@@ -36,4 +37,43 @@ public class BillingController {
             HttpServletRequest request) {
         return billingService.verifyGoogle(current.getId(), AuthInterceptor.resolveToken(request), req);
     }
+
+    /** 현재 구독 현황 (플랜·만료일·다음 결제일·자동갱신) */
+    @GetMapping("/subscription")
+    public SubscriptionResponse subscription(
+            @RequestAttribute(AuthInterceptor.CURRENT_MEMBER) SessionUser current) {
+        return billingService.getSubscription(current.getId());
+    }
+
+    /** 구독 해지 (자동 갱신 중단, 만료일까지 이용) */
+    @PostMapping("/cancel")
+    public SubscriptionResponse cancel(
+            @RequestAttribute(AuthInterceptor.CURRENT_MEMBER) SessionUser current) {
+        return billingService.cancel(current.getId());
+    }
+
+    /** 구독 재개 (만료 전 자동 갱신 재개) */
+    @PostMapping("/resume")
+    public SubscriptionResponse resume(
+            @RequestAttribute(AuthInterceptor.CURRENT_MEMBER) SessionUser current) {
+        return billingService.resume(current.getId());
+    }
+
+    /** 구매 복원 (기기 변경·재설치 시 최근 결제 기준 멤버십 복구) */
+    @PostMapping("/restore")
+    public SubscriptionResponse restore(
+            @RequestAttribute(AuthInterceptor.CURRENT_MEMBER) SessionUser current,
+            HttpServletRequest request) {
+        return billingService.restore(current.getId(), AuthInterceptor.resolveToken(request));
+    }
+
+    /**
+     * Google Play 실시간 개발자 알림(RTDN) 수신 — Pub/Sub push (비인증).
+     * 스캐폴드: 수신/로깅만. 실연동 시 메시지 검증 + 구독상태(갱신/해지/환불) 동기화 구현.
+     */
+    @PostMapping("/google/rtdn")
+    public org.springframework.http.ResponseEntity<Void> rtdn(@RequestBody(required = false) java.util.Map<String, Object> body) {
+        billingService.handleRtdn(body);
+        return org.springframework.http.ResponseEntity.ok().build();
+    }
 }

src/main/java/com/sb/web/billing/BillingService.java

@@ -6,6 +6,7 @@ import com.sb.web.auth.service.AuthService;
 import com.sb.web.billing.domain.IapPurchase;
 import com.sb.web.billing.dto.MembershipResponse;
 import com.sb.web.billing.dto.ProductResponse;
+import com.sb.web.billing.dto.SubscriptionResponse;
 import com.sb.web.billing.dto.VerifyRequest;
 import com.sb.web.billing.mapper.IapPurchaseMapper;
 import com.sb.web.common.exception.ApiException;
@@ -86,7 +87,7 @@ public class BillingService {
                 ? member.getPlanExpiresAt() : now;
         LocalDateTime expires = base.plusMonths(product.getMonths());
 
-        memberMapper.updateMembership(memberId, "PREMIUM", expires);
+        memberMapper.updateMembership(memberId, "PREMIUM", expires, req.getProductId(), true);
         purchaseMapper.insert(IapPurchase.builder()
                 .memberId(memberId).platform(platform).productId(req.getProductId())
                 .purchaseToken(token).orderId(req.getOrderId())
@@ -101,6 +102,96 @@ public class BillingService {
         return MembershipResponse.of(member);
     }
 
+    /** 현재 구독 현황 */
+    public SubscriptionResponse getSubscription(Long memberId) {
+        return toSubscription(mustFind(memberId));
+    }
+
+    /**
+     * 구매 복원 — 기기 변경·재설치 시 최근 결제 기록 기준으로 멤버십을 복구한다.
+     * (실연동에서는 Google Play 의 활성 구매를 조회해 동기화하도록 교체)
+     */
+    @Transactional
+    public SubscriptionResponse restore(Long memberId, String sessionToken) {
+        Member member = mustFind(memberId);
+        IapPurchase latest = purchaseMapper.findLatestByMember(memberId);
+        LocalDateTime now = LocalDateTime.now();
+        boolean stillValid = latest != null && latest.getExpiresAt() != null && latest.getExpiresAt().isAfter(now);
+        boolean needsRestore = !"PREMIUM".equals(member.getPlan())
+                || member.getPlanExpiresAt() == null
+                || member.getPlanExpiresAt().isBefore(latest != null && latest.getExpiresAt() != null ? latest.getExpiresAt() : now);
+        if (stillValid && needsRestore) {
+            memberMapper.updateMembership(memberId, "PREMIUM", latest.getExpiresAt(), latest.getProductId(), true);
+            authService.syncSessionPlan(sessionToken, "PREMIUM");
+            member.setPlan("PREMIUM");
+            member.setPlanExpiresAt(latest.getExpiresAt());
+            member.setPlanProduct(latest.getProductId());
+            member.setPlanAutoRenew(true);
+            log.info("[billing] 구매 복원 member={} expires={}", memberId, latest.getExpiresAt());
+        }
+        return toSubscription(member);
+    }
+
+    /** 구독 해지 — 자동 갱신만 끈다. 이용은 만료일까지 유지(이후 무료 전환). */
+    @Transactional
+    public SubscriptionResponse cancel(Long memberId) {
+        Member m = mustFind(memberId);
+        if (!"PREMIUM".equals(m.getPlan())) {
+            throw new ApiException(HttpStatus.BAD_REQUEST, "구독 중이 아닙니다.");
+        }
+        memberMapper.updateAutoRenew(memberId, false);
+        m.setPlanAutoRenew(false);
+        log.info("[billing] subscription canceled member={} (이용 만료일까지 유지)", memberId);
+        return toSubscription(m);
+    }
+
+    /** 구독 재개 — 만료 전이면 자동 갱신을 다시 켠다. */
+    @Transactional
+    public SubscriptionResponse resume(Long memberId) {
+        Member m = mustFind(memberId);
+        if (!"PREMIUM".equals(m.getPlan())) {
+            throw new ApiException(HttpStatus.BAD_REQUEST, "구독 중이 아닙니다.");
+        }
+        memberMapper.updateAutoRenew(memberId, true);
+        m.setPlanAutoRenew(true);
+        return toSubscription(m);
+    }
+
+    private SubscriptionResponse toSubscription(Member m) {
+        boolean premium = "PREMIUM".equals(m.getPlan());
+        boolean autoRenew = premium && Boolean.TRUE.equals(m.getPlanAutoRenew());
+        ProductResponse p = m.getPlanProduct() == null ? null : CATALOG.get(m.getPlanProduct());
+        String label = p != null ? p.getLabel() : (premium ? "프리미엄" : null);
+        return SubscriptionResponse.builder()
+                .premium(premium)
+                .planProduct(m.getPlanProduct())
+                .planLabel(label)
+                .expiresAt(m.getPlanExpiresAt())
+                .autoRenew(autoRenew)
+                .nextBillingAt(autoRenew ? m.getPlanExpiresAt() : null)
+                .build();
+    }
+
+    /**
+     * RTDN(실시간 개발자 알림) 처리 — 스캐폴드.
+     * 실연동: message.data(base64 JSON) 디코드 → subscriptionNotification 의 purchaseToken 으로
+     * Play Developer API 재조회 후 멤버십 동기화(갱신/해지/만료/환불).
+     */
+    public void handleRtdn(Map<String, Object> body) {
+        try {
+            Object message = body == null ? null : body.get("message");
+            String data = null;
+            if (message instanceof Map<?, ?> m && m.get("data") != null) {
+                data = new String(java.util.Base64.getDecoder().decode(String.valueOf(m.get("data"))),
+                        java.nio.charset.StandardCharsets.UTF_8);
+            }
+            log.info("[billing][rtdn] 수신 (스캐폴드 — 미처리): {}", data != null ? data : body);
+        } catch (Exception e) {
+            log.warn("[billing][rtdn] 파싱 실패: {}", e.toString());
+        }
+        // TODO(실연동): 구독 상태 변경(SUBSCRIPTION_RENEWED/CANCELED/EXPIRED/REVOKED) 반영
+    }
+
     private Member mustFind(Long memberId) {
         Member m = memberMapper.findById(memberId);
         if (m == null) {

src/main/java/com/sb/web/billing/dto/SubscriptionResponse.java

@@ -0,0 +1,21 @@
+package com.sb.web.billing.dto;
+
+import lombok.Builder;
+import lombok.Data;
+
+import java.time.LocalDateTime;
+
+/**
+ * 정기결제(구독) 현황 — 계정정보 화면 표시용.
+ */
+@Data
+@Builder
+public class SubscriptionResponse {
+
+    private boolean premium;            // 현재 유료 여부
+    private String planProduct;          // 구독 상품 ID
+    private String planLabel;            // 상품 표시 이름 (프리미엄 월간 등)
+    private LocalDateTime expiresAt;     // 이용 만료일
+    private boolean autoRenew;           // 자동 갱신 여부
+    private LocalDateTime nextBillingAt; // 다음 결제일 (자동 갱신 시 = 만료일, 해지 시 null)
+}

src/main/java/com/sb/web/billing/mapper/IapPurchaseMapper.java

@@ -14,4 +14,7 @@ public interface IapPurchaseMapper {
 
     /** 구매 토큰으로 기존 처리 여부 조회 (중복 결제 방지) */
     IapPurchase findByToken(@Param("purchaseToken") String purchaseToken);
+
+    /** 회원의 가장 최근(만료일 먼) 결제 — 구매 복원용 */
+    IapPurchase findLatestByMember(@Param("memberId") Long memberId);
 }

src/main/java/com/sb/web/board/controller/BoardController.java

@@ -53,6 +53,24 @@ public class BoardController {
         return boardService.list(page, size, category, tag, keyword, searchType);
     }
 
+    /** 내 글 모아보기 */
+    @GetMapping("/my/posts")
+    public PageResponse<PostSummary> myPosts(
+            @RequestParam(defaultValue = "1") int page,
+            @RequestParam(defaultValue = "10") int size,
+            @RequestAttribute(AuthInterceptor.CURRENT_MEMBER) SessionUser current) {
+        return boardService.myPosts(current.getId(), page, size);
+    }
+
+    /** 내 댓글 모아보기 */
+    @GetMapping("/my/comments")
+    public PageResponse<com.sb.web.board.dto.MyCommentResponse> myComments(
+            @RequestParam(defaultValue = "1") int page,
+            @RequestParam(defaultValue = "10") int size,
+            @RequestAttribute(AuthInterceptor.CURRENT_MEMBER) SessionUser current) {
+        return boardService.myComments(current.getId(), page, size);
+    }
+
     @GetMapping("/posts/{id}")
     public PostDetail get(
             @PathVariable Long id,
@@ -120,9 +138,17 @@ public class BoardController {
         return ResponseEntity.noContent().build();
     }
 
+    /** 목록 태그 필터 — 게시판 지정 시 그 게시판에 매핑된 그룹의 태그만 */
     @GetMapping("/tags")
-    public List<String> tags() {
+    public List<String> tags(@RequestParam(required = false) String category) {
-        return boardService.allTags();
+        if (category == null || category.isBlank()) {
+            return boardService.allTags();
+        }
+        return tagService.listWritableGroups(category).stream()
+                .flatMap(g -> g.getTags().stream())
+                .map(com.sb.web.board.dto.TagResponse::getName)
+                .distinct()
+                .toList();
     }
 
     /** 글 작성 시 선택 가능한 태그 (해당 게시판에 매핑된 그룹만) */
@@ -170,4 +196,31 @@ public class BoardController {
             @RequestAttribute(AuthInterceptor.CURRENT_MEMBER) SessionUser current) {
         return boardService.voteComment(commentId, req.getType(), current);
     }
+
+    /** 게시글 신고 (누적 5건 시 블라인드) */
+    @PostMapping("/posts/{id}/report")
+    public ResponseEntity<Void> reportPost(
+            @PathVariable Long id,
+            @RequestAttribute(AuthInterceptor.CURRENT_MEMBER) SessionUser current) {
+        boardService.reportPost(id, current);
+        return ResponseEntity.noContent().build();
+    }
+
+    /** 댓글 신고 (누적 5건 시 블라인드) */
+    @PostMapping("/comments/{commentId}/report")
+    public ResponseEntity<Void> reportComment(
+            @PathVariable Long commentId,
+            @RequestAttribute(AuthInterceptor.CURRENT_MEMBER) SessionUser current) {
+        boardService.reportComment(commentId, current);
+        return ResponseEntity.noContent().build();
+    }
+
+    /** 댓글 블라인드 해제 (관리자) */
+    @PostMapping("/comments/{commentId}/unblock")
+    public ResponseEntity<Void> unblockComment(
+            @PathVariable Long commentId,
+            @RequestAttribute(AuthInterceptor.CURRENT_MEMBER) SessionUser current) {
+        boardService.unblockComment(commentId, current);
+        return ResponseEntity.noContent().build();
+    }
 }

src/main/java/com/sb/web/board/domain/Comment.java

@@ -24,5 +24,6 @@ public class Comment implements Serializable {
     private String authorGooglePicture; // 조회 시 member JOIN (저장 안 함)
     private String authorProfileImage;  // 조회 시 member JOIN (저장 안 함)
     private String content;
+    private Boolean blocked;            // 신고 누적 블라인드
     private LocalDateTime createdAt;
 }

src/main/java/com/sb/web/board/dto/CommentResponse.java

@@ -24,6 +24,7 @@ public class CommentResponse {
     private Integer downCount; // 비추천 수
     private String myVote;     // 현재 사용자의 투표: UP / DOWN / null
     private Boolean hot;       // 인기 댓글(추천 50+ & 1일 이내) 상단 노출
+    private Boolean blocked;   // 신고 누적 블라인드(관리자만 본문 열람)
 
     public static CommentResponse from(Comment c) {
         return CommentResponse.builder()
@@ -33,6 +34,7 @@ public class CommentResponse {
                 .authorGooglePicture(c.getAuthorGooglePicture())
                 .authorProfileImage(c.getAuthorProfileImage())
                 .content(c.getContent())
+                .blocked(Boolean.TRUE.equals(c.getBlocked()))
                 .createdAt(c.getCreatedAt())
                 .upCount(0)
                 .downCount(0)

src/main/java/com/sb/web/board/dto/MyCommentResponse.java

@@ -0,0 +1,19 @@
+package com.sb.web.board.dto;
+
+import lombok.Data;
+
+import java.time.LocalDateTime;
+
+/**
+ * 내 댓글 모아보기 항목 (어느 글의 댓글인지 함께).
+ */
+@Data
+public class MyCommentResponse {
+
+    private Long id;
+    private String content;
+    private LocalDateTime createdAt;
+    private Long postId;
+    private String postTitle;
+    private String category;
+}

src/main/java/com/sb/web/board/dto/PostSummary.java

@@ -13,6 +13,7 @@ public class PostSummary {
 
     private Long id;
     private String title;
+    private String category; // 내 글 모아보기 등 교차 게시판 링크용
     private Long authorId;
     private String authorName;
     private String authorGooglePicture;

src/main/java/com/sb/web/board/mapper/CommentMapper.java

@@ -18,4 +18,13 @@ public interface CommentMapper {
     int delete(@Param("id") Long id);
 
     int deleteByPostId(@Param("postId") Long postId);
+
+    /** 신고 누적 블라인드 설정 */
+    int updateBlocked(@Param("id") Long id, @Param("blocked") boolean blocked);
+
+    /** 내 댓글 모아보기 (글 제목·카테고리 포함) */
+    java.util.List<com.sb.web.board.dto.MyCommentResponse> findMyPage(
+            @Param("memberId") Long memberId, @Param("offset") int offset, @Param("size") int size);
+
+    long countMyComments(@Param("memberId") Long memberId);
 }

src/main/java/com/sb/web/board/mapper/PostMapper.java

@@ -28,6 +28,12 @@ public interface PostMapper {
                                    @Param("minUp") int minUp,
                                    @Param("limit") int limit);
 
+    /** 내 글 모아보기 */
+    List<PostSummary> findMyPage(@Param("memberId") Long memberId,
+                                 @Param("offset") int offset, @Param("size") int size);
+
+    long countMyPosts(@Param("memberId") Long memberId);
+
     Post findById(@Param("id") Long id);
 
     int insert(Post post);

src/main/java/com/sb/web/board/mapper/ReportMapper.java

@@ -0,0 +1,23 @@
+package com.sb.web.board.mapper;
+
+import org.apache.ibatis.annotations.Mapper;
+import org.apache.ibatis.annotations.Param;
+
+/**
+ * 신고(report) 매퍼 — 글/댓글 신고 누적 집계.
+ */
+@Mapper
+public interface ReportMapper {
+
+    /** 신고 추가 (회원당 대상별 1회 — 중복은 무시) */
+    int insertIgnore(@Param("targetType") String targetType,
+                     @Param("targetId") Long targetId,
+                     @Param("memberId") Long memberId,
+                     @Param("reason") String reason);
+
+    int countByTarget(@Param("targetType") String targetType, @Param("targetId") Long targetId);
+
+    int deleteByTarget(@Param("targetType") String targetType, @Param("targetId") Long targetId);
+
+    int deleteByMember(@Param("memberId") Long memberId);
+}

src/main/java/com/sb/web/board/service/BoardService.java

@@ -14,6 +14,7 @@ import com.sb.web.board.dto.Recommender;
 import com.sb.web.board.dto.VoteResponse;
 import com.sb.web.board.mapper.CommentMapper;
 import com.sb.web.board.mapper.PostMapper;
+import com.sb.web.board.mapper.ReportMapper;
 import com.sb.web.board.mapper.TagMapper;
 import com.sb.web.board.mapper.VoteMapper;
 import com.sb.web.common.exception.ApiException;
@@ -41,6 +42,7 @@ public class BoardService {
     private final TagMapper tagMapper;
     private final CommentMapper commentMapper;
     private final VoteMapper voteMapper;
+    private final ReportMapper reportMapper;
     private final PointService pointService;
     private final RedisTemplate<String, Object> redisTemplate;
 
@@ -48,6 +50,10 @@ public class BoardService {
     private static final Duration VIEW_DEDUP_TTL = Duration.ofHours(24);
     private static final String UP = "UP";
     private static final String DOWN = "DOWN";
+    private static final String T_POST = "POST";
+    private static final String T_COMMENT = "COMMENT";
+    /** 신고 누적 블라인드 임계 */
+    private static final int REPORT_BLIND_THRESHOLD = 5;
 
     // 인기 글/댓글: 등록 1일 이내 + 추천 50건 이상이면 상단에 최대 3건 노출
     private static final int HOT_WITHIN_HOURS = 24;
@@ -83,6 +89,22 @@ public class BoardService {
         return PageResponse.of(content, p, s, total);
     }
 
+    /** 내 글 모아보기 */
+    public PageResponse<PostSummary> myPosts(Long memberId, int page, int size) {
+        int p = Math.max(page, 1);
+        int s = Math.min(Math.max(size, 1), 100);
+        List<PostSummary> content = postMapper.findMyPage(memberId, (p - 1) * s, s);
+        return PageResponse.of(content, p, s, postMapper.countMyPosts(memberId));
+    }
+
+    /** 내 댓글 모아보기 */
+    public PageResponse<com.sb.web.board.dto.MyCommentResponse> myComments(Long memberId, int page, int size) {
+        int p = Math.max(page, 1);
+        int s = Math.min(Math.max(size, 1), 100);
+        var content = commentMapper.findMyPage(memberId, (p - 1) * s, s);
+        return PageResponse.of(content, p, s, commentMapper.countMyComments(memberId));
+    }
+
     private String normalizeSearchType(String t) {
         return ("content".equals(t) || "comment".equals(t)) ? t : "title";
     }
@@ -119,6 +141,22 @@ public class BoardService {
         assertAdmin(user);
         mustFindPost(id);
         postMapper.updateBlocked(id, blocked, blocked ? reason : null);
+        // 해제 시 신고 기록 초기화 → 다음 신고 1건에 곧바로 재블라인드되지 않게
+        if (!blocked) {
+            reportMapper.deleteByTarget(T_POST, id);
+        }
+    }
+
+    /** 댓글 블라인드 해제 (관리자 전용) — 신고 기록 초기화 */
+    @Transactional
+    public void unblockComment(Long commentId, SessionUser user) {
+        assertAdmin(user);
+        Comment comment = commentMapper.findById(commentId);
+        if (comment == null) {
+            throw new ApiException(HttpStatus.NOT_FOUND, "댓글을 찾을 수 없습니다.");
+        }
+        commentMapper.updateBlocked(commentId, false);
+        reportMapper.deleteByTarget(T_COMMENT, commentId);
     }
 
     /** 게시글 공지 설정/해제 (관리자 전용) — 목록 최상단 고정 */
@@ -185,6 +223,7 @@ public class BoardService {
         // 투표 정리(댓글 투표는 댓글 삭제 전에 — 서브쿼리가 comment 참조)
         voteMapper.deleteCommentVotesByPost(id);
         voteMapper.deletePostVotesByPost(id);
+        reportMapper.deleteByTarget(T_POST, id);
         tagMapper.deletePostTagsByPostId(id);
         commentMapper.deleteByPostId(id);
         postMapper.delete(id);
@@ -217,9 +256,43 @@ public class BoardService {
         }
         assertCanModify(comment.getAuthorId(), user);
         voteMapper.deleteCommentVotesByComment(commentId);
+        reportMapper.deleteByTarget(T_COMMENT, commentId);
         commentMapper.delete(commentId);
     }
 
+    /* ===================== 신고 ===================== */
+
+    /** 게시글 신고 — 회원당 1회, 누적 5건이면 블라인드(관리자만 열람) */
+    @Transactional
+    public void reportPost(Long postId, SessionUser user) {
+        Post post = mustFindPost(postId);
+        if (post.getAuthorId().equals(user.getId())) {
+            throw new ApiException(HttpStatus.BAD_REQUEST, "본인 글은 신고할 수 없습니다.");
+        }
+        reportMapper.insertIgnore(T_POST, postId, user.getId(), null);
+        if (!Boolean.TRUE.equals(post.getBlocked())
+                && reportMapper.countByTarget(T_POST, postId) >= REPORT_BLIND_THRESHOLD) {
+            postMapper.updateBlocked(postId, true, "신고 누적으로 블라인드되었습니다.");
+        }
+    }
+
+    /** 댓글 신고 — 회원당 1회, 누적 5건이면 블라인드(관리자만 열람) */
+    @Transactional
+    public void reportComment(Long commentId, SessionUser user) {
+        Comment comment = commentMapper.findById(commentId);
+        if (comment == null) {
+            throw new ApiException(HttpStatus.NOT_FOUND, "댓글을 찾을 수 없습니다.");
+        }
+        if (comment.getAuthorId().equals(user.getId())) {
+            throw new ApiException(HttpStatus.BAD_REQUEST, "본인 댓글은 신고할 수 없습니다.");
+        }
+        reportMapper.insertIgnore(T_COMMENT, commentId, user.getId(), null);
+        if (!Boolean.TRUE.equals(comment.getBlocked())
+                && reportMapper.countByTarget(T_COMMENT, commentId) >= REPORT_BLIND_THRESHOLD) {
+            commentMapper.updateBlocked(commentId, true);
+        }
+    }
+
     /* ===================== 추천/비추천 ===================== */
 
     /** 게시글 추천/비추천 토글. 같은 표 재요청 시 취소, 반대면 전환. */
@@ -301,6 +374,13 @@ public class BoardService {
             }
             return cr;
         }).toList());
+        // 신고 누적 블라인드 댓글: 관리자가 아니면 본문 숨김
+        boolean viewerAdmin = isAdmin(viewer);
+        if (!viewerAdmin) {
+            comments.forEach(cr -> {
+                if (Boolean.TRUE.equals(cr.getBlocked())) cr.setContent(null);
+            });
+        }
         comments = orderWithHot(comments);
 
         PostDetail detail = PostDetail.of(post, tags, comments);

src/main/java/com/sb/web/common/config/WebConfig.java

@@ -28,7 +28,9 @@ public class WebConfig implements WebMvcConfigurer {
                 .addPathPatterns("/api/auth/me", "/api/auth/points", "/api/auth/point-history",
                         "/api/auth/logout", "/api/auth/password",
                         "/api/auth/verify-password", "/api/auth/profile", "/api/auth/profile-image",
-                        "/api/board/**", "/api/admin/**", "/api/account/**", "/api/billing/**");
+                        "/api/board/**", "/api/admin/**", "/api/account/**", "/api/billing/**", "/api/fx/**")
+                // Google Play RTDN(서버 알림)은 비인증 — Google 이 호출
+                .excludePathPatterns("/api/billing/google/rtdn");
         // 인가: 관리자 전용 경로 (authInterceptor 다음에 실행되어 role 검사)
         registry.addInterceptor(adminInterceptor)
                 .addPathPatterns("/api/admin/**");

src/main/resources/db/account.sql

@@ -28,6 +28,11 @@ ALTER TABLE wallet ADD COLUMN IF NOT EXISTS opening_balance BIGINT NOT NULL DEFA
 ALTER TABLE wallet ADD COLUMN IF NOT EXISTS opening_date DATE NULL;
 ALTER TABLE wallet ADD COLUMN IF NOT EXISTS current_value BIGINT NULL;
 ALTER TABLE wallet ADD COLUMN IF NOT EXISTS sort_order INT NOT NULL DEFAULT 0;
+ALTER TABLE wallet ADD COLUMN IF NOT EXISTS loan_rate    DECIMAL(7,4) NULL COMMENT '연이자율(%) 예: 5.2500';
+ALTER TABLE wallet ADD COLUMN IF NOT EXISTS loan_method  VARCHAR(20)  NULL COMMENT '상환방식: EQUAL_PAYMENT/EQUAL_PRINCIPAL/BULLET';
+ALTER TABLE wallet ADD COLUMN IF NOT EXISTS loan_months  INT          NULL COMMENT '대출기간(개월)';
+ALTER TABLE wallet ADD COLUMN IF NOT EXISTS loan_start   DATE         NULL COMMENT '대출시작일';
+ALTER TABLE wallet ADD COLUMN IF NOT EXISTS loan_amount  BIGINT       NULL COMMENT '대출 실행 금액(원금, 처음 빌린 금액)';
 -- 계좌번호 암호화 저장(AES-GCM)으로 평문보다 길어 VARCHAR(255) 필요 — 운영 적용 완료(CREATE TABLE 정의에 반영).
 -- 매 기동 MODIFY 는 라이브 테이블 락 위험이 있어 제거. 기존 환경 확장이 필요하면 1회 수동 적용:
 --   ALTER TABLE wallet MODIFY account_number VARCHAR(255) NULL;
@@ -59,6 +64,10 @@ ALTER TABLE account_entry ADD COLUMN IF NOT EXISTS installment_months INT NULL;
 ALTER TABLE account_entry ADD COLUMN IF NOT EXISTS pending TINYINT(1) NOT NULL DEFAULT 0 COMMENT '확인 필요(미확정) 여부';
 ALTER TABLE account_entry ADD COLUMN IF NOT EXISTS notif_key VARCHAR(160) NULL COMMENT '알림 자동인식 중복방지 키';
 ALTER TABLE account_entry ADD INDEX IF NOT EXISTS idx_entry_notif (member_id, notif_key);
+-- 외화 결제: amount 는 환산된 원화(표준값, 통계·예산은 이 값 사용). 아래는 외화 원본 보존용.
+ALTER TABLE account_entry ADD COLUMN IF NOT EXISTS currency VARCHAR(3) NULL COMMENT '통화코드(USD/JPY 등). NULL/KRW=원화';
+ALTER TABLE account_entry ADD COLUMN IF NOT EXISTS original_amount DECIMAL(18,2) NULL COMMENT '외화 원본 금액';
+ALTER TABLE account_entry ADD COLUMN IF NOT EXISTS exchange_rate DECIMAL(18,6) NULL COMMENT '적용 환율(외화 1단위→원화)';
 
 -- 가계부 태그 (사용자별 관리 — 게시판 태그와 분리)
 CREATE TABLE IF NOT EXISTS account_tag (
@@ -161,6 +170,15 @@ CREATE TABLE IF NOT EXISTS budget (
     UNIQUE KEY uk_budget_member_category (member_id, category)
 ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;
 
+-- 월별 예산: 예산을 연/월별로 분리(전월 복사로 다음 달에 동일 예산 저장 가능).
+ALTER TABLE budget ADD COLUMN IF NOT EXISTS `year`  INT NULL COMMENT '예산 연도';
+ALTER TABLE budget ADD COLUMN IF NOT EXISTS `month` INT NULL COMMENT '예산 월(1~12)';
+-- 기존 상시 예산을 현재 연/월로 1회 이관
+UPDATE budget SET `year` = YEAR(NOW()), `month` = MONTH(NOW()) WHERE `year` IS NULL OR `month` IS NULL;
+-- 분류 유니크를 (member,category) → (member,category,year,month) 로 교체
+ALTER TABLE budget DROP INDEX IF EXISTS uk_budget_member_category;
+ALTER TABLE budget ADD UNIQUE KEY IF NOT EXISTS uk_budget_member_cat_ym (member_id, category, `year`, `month`);
+
 -- 가계부 항목 - 태그 (다대다, tag_id 는 account_tag.id 참조)
 CREATE TABLE IF NOT EXISTS account_entry_tag (
     entry_id BIGINT NOT NULL,

src/main/resources/db/board.sql

@@ -95,6 +95,22 @@ CREATE TABLE IF NOT EXISTS comment (
     KEY idx_comment_post (post_id)
 ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;
 
+-- 댓글 신고 누적 블라인드 플래그 (멱등)
+ALTER TABLE comment ADD COLUMN IF NOT EXISTS blocked TINYINT(1) NOT NULL DEFAULT 0 COMMENT '신고 누적 블라인드';
+
+-- 신고 (글/댓글). 회원당 대상별 1회. 5건 누적 시 블라인드(관리자만 열람).
+CREATE TABLE IF NOT EXISTS report (
+    id          BIGINT       NOT NULL AUTO_INCREMENT,
+    target_type VARCHAR(10)  NOT NULL COMMENT 'POST / COMMENT',
+    target_id   BIGINT       NOT NULL,
+    member_id   BIGINT       NOT NULL COMMENT '신고자',
+    reason      VARCHAR(255) NULL,
+    created_at  DATETIME     NOT NULL DEFAULT CURRENT_TIMESTAMP,
+    PRIMARY KEY (id),
+    UNIQUE KEY uk_report (target_type, target_id, member_id),
+    KEY idx_report_target (target_type, target_id)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;
+
 -- 게시글 추천/비추천 (회원당 1표, UP/DOWN). 같은 표 재요청 시 취소, 반대면 전환.
 CREATE TABLE IF NOT EXISTS post_vote (
     post_id    BIGINT     NOT NULL,

src/main/resources/db/member.sql

@@ -41,6 +41,10 @@ ALTER TABLE member ADD COLUMN IF NOT EXISTS points BIGINT NOT NULL DEFAULT 0 COM
 -- 멤버십 만료일 (유료 구독). NULL = 만료 없음(관리자 영구 부여) 또는 무료. 만료 지나면 스케줄러가 FREE 로 강등.
 ALTER TABLE member ADD COLUMN IF NOT EXISTS plan_expires_at DATETIME NULL COMMENT '유료 멤버십 만료일시' AFTER plan;
 
+-- 구독 상품(premium_monthly 등) + 자동 갱신 여부 (정기결제 관리)
+ALTER TABLE member ADD COLUMN IF NOT EXISTS plan_product VARCHAR(100) NULL COMMENT '구독 상품 ID' AFTER plan_expires_at;
+ALTER TABLE member ADD COLUMN IF NOT EXISTS plan_auto_renew TINYINT(1) NOT NULL DEFAULT 0 COMMENT '자동 갱신(해지 시 0)' AFTER plan_product;
+
 -- 인앱 결제 기록 (영수증 검증·중복 방지·감사)
 CREATE TABLE IF NOT EXISTS iap_purchase (
     id             BIGINT       NOT NULL AUTO_INCREMENT,

src/main/resources/mapper/AccountEntryMapper.xml

@@ -18,6 +18,9 @@
         <result property="installmentMonths" column="installment_months"/>
         <result property="pending" column="pending"/>
         <result property="notifKey" column="notif_key"/>
+        <result property="currency" column="currency"/>
+        <result property="originalAmount" column="original_amount"/>
+        <result property="exchangeRate" column="exchange_rate"/>
         <result property="createdAt" column="created_at"/>
         <result property="updatedAt" column="updated_at"/>
     </resultMap>
@@ -32,6 +35,7 @@
         e.wallet_id, w.name AS wallet_name,
         e.to_wallet_id, tw.name AS to_wallet_name,
         e.installment_months, e.pending, e.notif_key,
+        e.currency, e.original_amount, e.exchange_rate,
         e.created_at, e.updated_at
     </sql>
     <sql id="entryJoins">
@@ -141,17 +145,20 @@
             useGeneratedKeys="true" keyProperty="id">
         INSERT INTO account_entry (member_id, entry_date, type, category, amount, memo,
                                    wallet_id, to_wallet_id, installment_months, pending, notif_key,
+                                   currency, original_amount, exchange_rate,
                                    created_at, updated_at)
         VALUES (#{memberId}, #{entryDate}, #{type}, #{category}, #{amount}, #{memo},
                 #{walletId}, #{toWalletId}, #{installmentMonths},
-                COALESCE(#{pending}, 0), #{notifKey}, NOW(), NOW())
+                COALESCE(#{pending}, 0), #{notifKey},
+                #{currency}, #{originalAmount}, #{exchangeRate}, NOW(), NOW())
     </insert>
 
     <update id="update" parameterType="com.sb.web.account.domain.AccountEntry">
         UPDATE account_entry
         SET entry_date = #{entryDate}, type = #{type}, category = #{category},
             amount = #{amount}, memo = #{memo}, wallet_id = #{walletId}, to_wallet_id = #{toWalletId},
-            installment_months = #{installmentMonths}
+            installment_months = #{installmentMonths},
+            currency = #{currency}, original_amount = #{originalAmount}, exchange_rate = #{exchangeRate}
         WHERE id = #{id} AND member_id = #{memberId}
     </update>
 

src/main/resources/mapper/BudgetMapper.xml

@@ -14,15 +14,19 @@
         <result property="weekly" column="weekly"/>
         <result property="monthly" column="monthly"/>
         <result property="yearly" column="yearly"/>
+        <result property="year" column="year"/>
+        <result property="month" column="month"/>
         <result property="createdAt" column="created_at"/>
         <result property="updatedAt" column="updated_at"/>
     </resultMap>
 
     <sql id="cols">id, member_id, category, fixed, base_unit, base_amount,
-        daily, weekly, monthly, yearly, created_at, updated_at</sql>
+        daily, weekly, monthly, yearly, `year`, `month`, created_at, updated_at</sql>
 
-    <select id="findByMember" parameterType="long" resultMap="budgetResultMap">
+    <select id="findByMember" resultMap="budgetResultMap">
-        SELECT <include refid="cols"/> FROM budget WHERE member_id = #{memberId} ORDER BY category
+        SELECT <include refid="cols"/> FROM budget
+        WHERE member_id = #{memberId} AND `year` = #{year} AND `month` = #{month}
+        ORDER BY category
     </select>
 
     <select id="findByIdAndMember" resultMap="budgetResultMap">
@@ -32,15 +36,30 @@
     <select id="countByCategory" resultType="int">
         SELECT COUNT(*) FROM budget
         WHERE member_id = #{memberId} AND category = #{category}
+          AND `year` = #{year} AND `month` = #{month}
         <if test="excludeId != null">AND id != #{excludeId}</if>
     </select>
 
     <insert id="insert" parameterType="com.sb.web.account.domain.Budget"
             useGeneratedKeys="true" keyProperty="id">
         INSERT INTO budget (member_id, category, fixed, base_unit, base_amount,
-                            daily, weekly, monthly, yearly, created_at, updated_at)
+                            daily, weekly, monthly, yearly, `year`, `month`, created_at, updated_at)
         VALUES (#{memberId}, #{category}, #{fixed}, #{baseUnit}, #{baseAmount},
-                #{daily}, #{weekly}, #{monthly}, #{yearly}, NOW(), NOW())
+                #{daily}, #{weekly}, #{monthly}, #{yearly}, #{year}, #{month}, NOW(), NOW())
+    </insert>
+
+    <!-- 전월(또는 임의 월) 예산을 다른 월로 복사. 같은 분류는 덮어씀(ON DUPLICATE) -->
+    <insert id="copyMonth">
+        INSERT INTO budget (member_id, category, fixed, base_unit, base_amount,
+                            daily, weekly, monthly, yearly, `year`, `month`, created_at, updated_at)
+        SELECT member_id, category, fixed, base_unit, base_amount,
+               daily, weekly, monthly, yearly, #{toYear}, #{toMonth}, NOW(), NOW()
+        FROM budget
+        WHERE member_id = #{memberId} AND `year` = #{fromYear} AND `month` = #{fromMonth}
+        ON DUPLICATE KEY UPDATE
+            fixed = VALUES(fixed), base_unit = VALUES(base_unit), base_amount = VALUES(base_amount),
+            daily = VALUES(daily), weekly = VALUES(weekly), monthly = VALUES(monthly),
+            yearly = VALUES(yearly), updated_at = NOW()
     </insert>
 
     <update id="update" parameterType="com.sb.web.account.domain.Budget">

src/main/resources/mapper/CommentMapper.xml

@@ -11,11 +11,12 @@
         <result property="authorGooglePicture" column="author_google_picture"/>
         <result property="authorProfileImage" column="author_profile_image"/>
         <result property="content" column="content"/>
+        <result property="blocked" column="blocked"/>
         <result property="createdAt" column="created_at"/>
     </resultMap>
 
     <select id="findByPostId" parameterType="long" resultMap="commentResultMap">
-        SELECT c.id, c.post_id, c.author_id, c.author_name, c.content, c.created_at,
+        SELECT c.id, c.post_id, c.author_id, c.author_name, c.content, c.blocked, c.created_at,
                m.google_picture AS author_google_picture, m.profile_image AS author_profile_image
         FROM comment c
         LEFT JOIN member m ON m.id = c.author_id
@@ -24,13 +25,30 @@
     </select>
 
     <select id="findById" parameterType="long" resultMap="commentResultMap">
-        SELECT c.id, c.post_id, c.author_id, c.author_name, c.content, c.created_at,
+        SELECT c.id, c.post_id, c.author_id, c.author_name, c.content, c.blocked, c.created_at,
                m.google_picture AS author_google_picture, m.profile_image AS author_profile_image
         FROM comment c
         LEFT JOIN member m ON m.id = c.author_id
         WHERE c.id = #{id}
     </select>
 
+    <update id="updateBlocked">
+        UPDATE comment SET blocked = #{blocked} WHERE id = #{id}
+    </update>
+
+    <select id="findMyPage" resultType="com.sb.web.board.dto.MyCommentResponse">
+        SELECT c.id, c.content, c.created_at, p.id AS post_id, p.title AS post_title, p.category
+        FROM comment c
+        JOIN post p ON p.id = c.post_id
+        WHERE c.author_id = #{memberId}
+        ORDER BY c.id DESC
+        LIMIT #{size} OFFSET #{offset}
+    </select>
+
+    <select id="countMyComments" parameterType="long" resultType="long">
+        SELECT COUNT(*) FROM comment WHERE author_id = #{memberId}
+    </select>
+
     <insert id="insert" parameterType="com.sb.web.board.domain.Comment"
             useGeneratedKeys="true" keyProperty="id">
         INSERT INTO comment (post_id, author_id, author_name, content, created_at)

src/main/resources/mapper/IapPurchaseMapper.xml

@@ -26,4 +26,12 @@
         FROM iap_purchase WHERE purchase_token = #{purchaseToken}
     </select>
 
+    <select id="findLatestByMember" parameterType="long" resultMap="iapResultMap">
+        SELECT id, member_id, platform, product_id, purchase_token, order_id, status, expires_at, created_at
+        FROM iap_purchase
+        WHERE member_id = #{memberId} AND status = 'VERIFIED'
+        ORDER BY expires_at DESC, id DESC
+        LIMIT 1
+    </select>
+
 </mapper>

src/main/resources/mapper/MemberMapper.xml

@@ -17,6 +17,8 @@
         <result property="role" column="role"/>
         <result property="plan" column="plan"/>
         <result property="planExpiresAt" column="plan_expires_at"/>
+        <result property="planProduct" column="plan_product"/>
+        <result property="planAutoRenew" column="plan_auto_renew"/>
         <result property="points" column="points"/>
         <result property="status" column="status"/>
         <result property="createdAt" column="created_at"/>
@@ -24,7 +26,7 @@
     </resultMap>
 
     <sql id="columns">
-        id, login_id, password, name, email, provider, provider_id, google_id, google_picture, profile_image, role, plan, plan_expires_at, points, status, created_at, updated_at
+        id, login_id, password, name, email, provider, provider_id, google_id, google_picture, profile_image, role, plan, plan_expires_at, plan_product, plan_auto_renew, points, status, created_at, updated_at
     </sql>
 
     <select id="findById" parameterType="long" resultMap="memberResultMap">
@@ -97,20 +99,29 @@
         UPDATE member SET role = #{role}, updated_at = NOW() WHERE id = #{id}
     </update>
 
-    <!-- 관리자 수동 변경: 만료일 없이(영구) 설정/해제 -->
+    <!-- 관리자 수동 변경: 만료일/구독정보 없이(영구) 설정/해제 -->
     <update id="updatePlan">
-        UPDATE member SET plan = #{plan}, plan_expires_at = NULL, updated_at = NOW() WHERE id = #{id}
+        UPDATE member SET plan = #{plan}, plan_expires_at = NULL, plan_product = NULL, plan_auto_renew = 0,
+               updated_at = NOW() WHERE id = #{id}
     </update>
 
-    <!-- 결제로 멤버십 부여/갱신: plan + 만료일 -->
+    <!-- 결제로 멤버십 부여/갱신: plan + 만료일 + 구독상품 + 자동갱신 -->
     <update id="updateMembership">
-        UPDATE member SET plan = #{plan}, plan_expires_at = #{expiresAt}, updated_at = NOW() WHERE id = #{id}
+        UPDATE member SET plan = #{plan}, plan_expires_at = #{expiresAt},
+               plan_product = #{product}, plan_auto_renew = #{autoRenew}, updated_at = NOW()
+        WHERE id = #{id}
     </update>
 
-    <!-- 만료된 유료회원 자동 강등 (스케줄러) -->
+    <!-- 구독 해지/재개: 자동 갱신 플래그만 변경 (이용은 만료일까지 유지) -->
+    <update id="updateAutoRenew">
+        UPDATE member SET plan_auto_renew = #{autoRenew}, updated_at = NOW() WHERE id = #{id}
+    </update>
+
+    <!-- 만료된 '해지(자동갱신 off)' 유료회원만 강등 (자동갱신 건은 마켓 갱신/RTDN 이 관리) -->
     <update id="downgradeExpired">
-        UPDATE member SET plan = 'FREE', updated_at = NOW()
+        UPDATE member SET plan = 'FREE', plan_product = NULL, plan_auto_renew = 0, updated_at = NOW()
-        WHERE plan = 'PREMIUM' AND plan_expires_at IS NOT NULL AND plan_expires_at &lt; NOW()
+        WHERE plan = 'PREMIUM' AND plan_auto_renew = 0
+          AND plan_expires_at IS NOT NULL AND plan_expires_at &lt; NOW()
     </update>
 
     <update id="updateStatus">

src/main/resources/mapper/PostMapper.xml

@@ -71,6 +71,25 @@
         <include refid="filter"/>
     </select>
 
+    <!-- 내 글 모아보기 -->
+    <select id="findMyPage" resultType="com.sb.web.board.dto.PostSummary">
+        SELECT
+            p.id, p.title, p.category, p.author_id, p.author_name, p.view_count, p.blocked, p.notice, p.created_at,
+            m.google_picture AS author_google_picture, m.profile_image AS author_profile_image,
+            (SELECT COUNT(*) FROM comment c WHERE c.post_id = p.id) AS comment_count,
+            (SELECT COUNT(*) FROM post_vote v WHERE v.post_id = p.id AND v.vote_type = 'UP') AS up_count,
+            (SELECT COUNT(*) FROM post_vote v WHERE v.post_id = p.id AND v.vote_type = 'DOWN') AS down_count
+        FROM post p
+        LEFT JOIN member m ON m.id = p.author_id
+        WHERE p.author_id = #{memberId}
+        ORDER BY p.id DESC
+        LIMIT #{size} OFFSET #{offset}
+    </select>
+
+    <select id="countMyPosts" parameterType="long" resultType="long">
+        SELECT COUNT(*) FROM post WHERE author_id = #{memberId}
+    </select>
+
     <select id="findById" parameterType="long" resultType="com.sb.web.board.domain.Post">
         SELECT p.id, p.title, p.content, p.author_id, p.author_name, p.view_count,
                p.blocked, p.block_reason, p.notice, p.category, p.created_at, p.updated_at,

src/main/resources/mapper/ReportMapper.xml

@@ -0,0 +1,23 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<!DOCTYPE mapper PUBLIC "-//mybatis.org//DTD Mapper 3.0//EN"
+        "https://mybatis.org/dtd/mybatis-3-mapper.dtd">
+<mapper namespace="com.sb.web.board.mapper.ReportMapper">
+
+    <insert id="insertIgnore">
+        INSERT IGNORE INTO report (target_type, target_id, member_id, reason, created_at)
+        VALUES (#{targetType}, #{targetId}, #{memberId}, #{reason}, NOW())
+    </insert>
+
+    <select id="countByTarget" resultType="int">
+        SELECT COUNT(*) FROM report WHERE target_type = #{targetType} AND target_id = #{targetId}
+    </select>
+
+    <delete id="deleteByTarget">
+        DELETE FROM report WHERE target_type = #{targetType} AND target_id = #{targetId}
+    </delete>
+
+    <delete id="deleteByMember">
+        DELETE FROM report WHERE member_id = #{memberId}
+    </delete>
+
+</mapper>

src/main/resources/mapper/WalletMapper.xml

@@ -15,13 +15,20 @@
         <result property="openingBalance" column="opening_balance"/>
         <result property="openingDate" column="opening_date"/>
         <result property="currentValue" column="current_value"/>
+        <result property="loanAmount" column="loan_amount"/>
+        <result property="loanRate" column="loan_rate"/>
+        <result property="loanMethod" column="loan_method"/>
+        <result property="loanMonths" column="loan_months"/>
+        <result property="loanStart" column="loan_start"/>
         <result property="sortOrder" column="sort_order"/>
         <result property="createdAt" column="created_at"/>
         <result property="updatedAt" column="updated_at"/>
     </resultMap>
 
     <sql id="cols">id, member_id, type, name, issuer, account_number, card_type,
-        opening_balance, opening_date, current_value, sort_order, created_at, updated_at</sql>
+        opening_balance, opening_date, current_value,
+        loan_amount, loan_rate, loan_method, loan_months, loan_start,
+        sort_order, created_at, updated_at</sql>
 
     <select id="findByMember" parameterType="long" resultMap="walletResultMap">
         SELECT <include refid="cols"/> FROM wallet
@@ -37,10 +44,14 @@
     <insert id="insert" parameterType="com.sb.web.account.domain.Wallet"
             useGeneratedKeys="true" keyProperty="id">
         INSERT INTO wallet (member_id, type, name, issuer, account_number, card_type,
-                            opening_balance, opening_date, current_value, sort_order, created_at, updated_at)
+                            opening_balance, opening_date, current_value,
+                            loan_amount, loan_rate, loan_method, loan_months, loan_start,
+                            sort_order, created_at, updated_at)
         VALUES (#{memberId}, #{type}, #{name}, #{issuer},
                 #{accountNumber, typeHandler=com.sb.web.common.crypto.EncryptedStringTypeHandler}, #{cardType},
-                #{openingBalance}, #{openingDate}, #{currentValue}, #{sortOrder}, NOW(), NOW())
+                #{openingBalance}, #{openingDate}, #{currentValue},
+                #{loanAmount}, #{loanRate}, #{loanMethod}, #{loanMonths}, #{loanStart},
+                #{sortOrder}, NOW(), NOW())
     </insert>
 
     <update id="update" parameterType="com.sb.web.account.domain.Wallet">
@@ -49,7 +60,10 @@
             account_number = #{accountNumber, typeHandler=com.sb.web.common.crypto.EncryptedStringTypeHandler},
             card_type = #{cardType},
             opening_balance = #{openingBalance}, opening_date = #{openingDate},
-            current_value = #{currentValue}
+            current_value = #{currentValue},
+            loan_amount = #{loanAmount},
+            loan_rate = #{loanRate}, loan_method = #{loanMethod},
+            loan_months = #{loanMonths}, loan_start = #{loanStart}
         WHERE id = #{id} AND member_id = #{memberId}
     </update>
 

src/main/resources/mapper/WithdrawMapper.xml

@@ -0,0 +1,69 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<!DOCTYPE mapper PUBLIC "-//mybatis.org//DTD Mapper 3.0//EN"
+        "https://mybatis.org/dtd/mybatis-3-mapper.dtd">
+<mapper namespace="com.sb.web.auth.mapper.WithdrawMapper">
+
+    <!-- 내가 누른 표 -->
+    <delete id="deletePostVotesByMember">
+        DELETE FROM post_vote WHERE member_id = #{memberId}
+    </delete>
+    <delete id="deleteCommentVotesByMember">
+        DELETE FROM comment_vote WHERE member_id = #{memberId}
+    </delete>
+
+    <!-- 내 글에 달린 것들 -->
+    <delete id="deleteCommentVotesOnMyPosts">
+        DELETE cv FROM comment_vote cv
+        JOIN comment c ON c.id = cv.comment_id
+        JOIN post p ON p.id = c.post_id
+        WHERE p.author_id = #{memberId}
+    </delete>
+    <delete id="deletePostVotesOnMyPosts">
+        DELETE pv FROM post_vote pv
+        JOIN post p ON p.id = pv.post_id
+        WHERE p.author_id = #{memberId}
+    </delete>
+    <delete id="deletePostTagsOnMyPosts">
+        DELETE pt FROM post_tag pt
+        JOIN post p ON p.id = pt.post_id
+        WHERE p.author_id = #{memberId}
+    </delete>
+    <delete id="deleteCommentsOnMyPosts">
+        DELETE c FROM comment c
+        JOIN post p ON p.id = c.post_id
+        WHERE p.author_id = #{memberId}
+    </delete>
+
+    <!-- 내 댓글과 그 표 -->
+    <delete id="deleteCommentVotesOnMyComments">
+        DELETE cv FROM comment_vote cv
+        JOIN comment c ON c.id = cv.comment_id
+        WHERE c.author_id = #{memberId}
+    </delete>
+    <delete id="deleteCommentsByAuthor">
+        DELETE FROM comment WHERE author_id = #{memberId}
+    </delete>
+
+    <!-- 내 글 / 업로드 이미지 -->
+    <delete id="deletePostsByAuthor">
+        DELETE FROM post WHERE author_id = #{memberId}
+    </delete>
+    <delete id="deleteBoardImagesByMember">
+        DELETE FROM board_image WHERE member_id = #{memberId}
+    </delete>
+
+    <!-- 신고 / 포인트 / 결제 / 세션 -->
+    <delete id="deleteReportsByMember">
+        DELETE FROM report WHERE member_id = #{memberId}
+    </delete>
+    <delete id="deletePointHistory">
+        DELETE FROM point_history WHERE member_id = #{memberId}
+    </delete>
+    <delete id="deleteIapPurchases">
+        DELETE FROM iap_purchase WHERE member_id = #{memberId}
+    </delete>
+    <delete id="deleteAuthSessions">
+        DELETE FROM auth_session WHERE member_id = #{memberId}
+    </delete>
+
+</mapper>

src/test/java/com/sb/web/auth/service/AuthServiceTest.java

@@ -47,12 +47,15 @@ class AuthServiceTest {
     @Mock ValueOperations<String, Object> valueOps;
     @Mock AppSettingService appSettingService;
     @Mock AuthSessionMapper authSessionMapper;
+    @Mock com.sb.web.auth.mapper.WithdrawMapper withdrawMapper;
+    @Mock com.sb.web.account.mapper.BackupMapper backupMapper;
 
     AuthService service;
 
     @BeforeEach
     void setUp() {
-        service = new AuthService(memberMapper, passwordEncoder, redisTemplate, appSettingService, authSessionMapper);
+        service = new AuthService(memberMapper, passwordEncoder, redisTemplate, appSettingService, authSessionMapper,
+                withdrawMapper, backupMapper);
     }
 
     private Member localMember() {