[Feat] 토스페이먼츠 기반 크레딧 결제 구현

.env.example

@@ -27,6 +27,11 @@ GOOGLE_CLIENT_ID=change-me.apps.googleusercontent.com
 GOOGLE_CLIENT_SECRET=change-me
 APP_OAUTH2_REDIRECT_URI=http://localhost:3000/oauth2/redirect
 OPENAI_API_KEY=change-me
+
+TOSS_CLIENT_KEY=change-me
+TOSS_SECRET_KEY=change-me
+TOSS_BASE_URL=https://api.tosspayments.com
+
 JOB_POSTING_CLASSIFICATION_CONFIDENCE_THRESHOLD=0.65
 JOB_POSTING_ASYNC_CORE_POOL_SIZE=2
 JOB_POSTING_ASYNC_MAX_POOL_SIZE=4

.env.production.example

@@ -31,6 +31,11 @@ GOOGLE_CLIENT_ID=change-me.apps.googleusercontent.com
 GOOGLE_CLIENT_SECRET=change-me
 APP_OAUTH2_REDIRECT_URI=https://your-frontend-domain/oauth2/redirect
 OPENAI_API_KEY=change-me
+
+TOSS_CLIENT_KEY=change-me
+TOSS_SECRET_KEY=change-me
+TOSS_BASE_URL=https://api.tosspayments.com
+
 JOB_POSTING_CLASSIFICATION_CONFIDENCE_THRESHOLD=0.65
 JOB_POSTING_ASYNC_CORE_POOL_SIZE=2
 JOB_POSTING_ASYNC_MAX_POOL_SIZE=4

src/main/java/com/jobdri/jobdri_api/domain/analysis/service/AnalysisService.java

@@ -14,6 +14,7 @@
 import com.jobdri.jobdri_api.domain.mockapply.entity.MockApply;
 import com.jobdri.jobdri_api.domain.mockapply.entity.MockApplyStatus;
 import com.jobdri.jobdri_api.domain.mockapply.repository.MockApplyRepository;
+import com.jobdri.jobdri_api.domain.payment.service.CreditService;
 import com.jobdri.jobdri_api.domain.user.entity.User;
 import com.jobdri.jobdri_api.global.apiPayload.code.GeneralErrorCode;
 import com.jobdri.jobdri_api.global.apiPayload.exception.GeneralException;
@@ -40,6 +41,7 @@ public class AnalysisService {
     private final AnalysisRepository analysisRepository;
     private final QuestionAnalysisRepository questionAnalysisRepository;
     private final AnalysisAiClient analysisAiClient;
+    private final CreditService creditService;
 
     @Transactional
     public AnalysisResponse analyze(User user, Long mockApplyId) {
@@ -56,23 +58,31 @@ public AnalysisResponse analyze(User user, Long mockApplyId) {
             );
         }
 
-        AnalysisLlmResponse llmResponse = analysisAiClient.analyze(mockApply.getJobPosting(), answeredQuestions);
-        replaceExistingAnalysis(mockApply);
+        String referenceId = "mockApplyId=" + mockApply.getId();
+        creditService.use(user, 1, "자소서 분석 크레딧 차감", referenceId);
 
-        Analysis analysis = analysisRepository.save(Analysis.create(
-                mockApply,
-                clampScore(llmResponse.score()),
-                clampScore(llmResponse.jobFit()),
-                clampScore(llmResponse.impact()),
-                clampScore(llmResponse.completeness()),
-                normalizeFeedback(llmResponse.feedback())
-        ));
+        try {
+            AnalysisLlmResponse llmResponse = analysisAiClient.analyze(mockApply.getJobPosting(), answeredQuestions);
+            replaceExistingAnalysis(mockApply);
+
+            Analysis analysis = analysisRepository.save(Analysis.create(
+                    mockApply,
+                    clampScore(llmResponse.score()),
+                    clampScore(llmResponse.jobFit()),
+                    clampScore(llmResponse.impact()),
+                    clampScore(llmResponse.completeness()),
+                    normalizeFeedback(llmResponse.feedback())
+            ));
 
-        List<QuestionAnalysis> questionAnalyses = buildQuestionAnalyses(analysis, answeredQuestions, llmResponse);
-        questionAnalysisRepository.saveAll(questionAnalyses);
-        mockApply.updateStatus(MockApplyStatus.COMPLETED);
+            List<QuestionAnalysis> questionAnalyses = buildQuestionAnalyses(analysis, answeredQuestions, llmResponse);
+            questionAnalysisRepository.saveAll(questionAnalyses);
+            mockApply.updateStatus(MockApplyStatus.COMPLETED);
 
-        return getAnalysis(user, mockApplyId);
+            return getAnalysis(user, mockApplyId);
+        } catch (RuntimeException e) {
+            creditService.refund(user, 1, "자소서 분석 실패 환불", referenceId);
+            throw e;
+        }
     }
 
     public AnalysisResponse getAnalysis(User user, Long mockApplyId) {

src/main/java/com/jobdri/jobdri_api/domain/payment/controller/PaymentController.java

@@ -0,0 +1,79 @@
+package com.jobdri.jobdri_api.domain.payment.controller;
+
+import com.jobdri.jobdri_api.domain.payment.dto.request.PaymentConfirmRequest;
+import com.jobdri.jobdri_api.domain.payment.dto.request.PaymentPrepareRequest;
+import com.jobdri.jobdri_api.domain.payment.dto.response.*;
+import com.jobdri.jobdri_api.domain.payment.entity.CreditTransactionType;
+import com.jobdri.jobdri_api.domain.payment.service.PaymentService;
+import com.jobdri.jobdri_api.global.apiPayload.ApiResponse;
+import com.jobdri.jobdri_api.global.security.UserDetailsImpl;
+import io.swagger.v3.oas.annotations.Operation;
+import io.swagger.v3.oas.annotations.tags.Tag;
+import jakarta.validation.Valid;
+import lombok.RequiredArgsConstructor;
+import org.springframework.security.core.annotation.AuthenticationPrincipal;
+import org.springframework.web.bind.annotation.*;
+
+import java.util.List;
+
+@RestController
+@RequiredArgsConstructor
+@RequestMapping("/api/payments")
+@Tag(name = "Payment", description = "크레딧 결제 및 거래 내역 API")
+public class PaymentController {
+
+    private final PaymentService paymentService;
+
+    @Operation(summary = "크레딧 가격 플랜 조회", description = "구매 가능한 크레딧 플랜 목록을 조회합니다.")
+    @GetMapping("/plans")
+    public ApiResponse<List<CreditPlanResponse>> getPlans() {
+        return ApiResponse.onSuccess("크레딧 가격 플랜 조회에 성공했습니다.", paymentService.getPlans());
+    }
+
+    @Operation(summary = "토스 결제 준비", description = "선택한 크레딧 플랜 기준으로 결제 주문을 생성합니다.")
+    @PostMapping("/prepare")
+    public ApiResponse<PaymentPrepareResponse> prepare(
+            @AuthenticationPrincipal UserDetailsImpl userDetails,
+            @Valid @RequestBody PaymentPrepareRequest request
+    ) {
+        return ApiResponse.onSuccess(
+                "결제 준비가 완료되었습니다.",
+                paymentService.prepare(userDetails.getUser(), request)
+        );
+    }
+
+    @Operation(summary = "토스 결제 승인", description = "토스페이먼츠 결제 성공 후 paymentKey/orderId/amount를 검증하고 크레딧을 충전합니다.")
+    @PostMapping("/confirm")
+    public ApiResponse<PaymentConfirmResponse> confirm(
+            @AuthenticationPrincipal UserDetailsImpl userDetails,
+            @Valid @RequestBody PaymentConfirmRequest request
+    ) {
+        return ApiResponse.onSuccess(
+                "결제가 완료되었습니다.",
+                paymentService.confirm(userDetails.getUser(), request)
+        );
+    }
+
+    @Operation(summary = "내 크레딧 잔액 조회", description = "로그인 사용자의 현재 크레딧 잔액을 조회합니다.")
+    @GetMapping("/credits/me")
+    public ApiResponse<CreditBalanceResponse> getBalance(
+            @AuthenticationPrincipal UserDetailsImpl userDetails
+    ) {
+        return ApiResponse.onSuccess(
+                "크레딧 잔액 조회에 성공했습니다.",
+                paymentService.getBalance(userDetails.getUser())
+        );
+    }
+
+    @Operation(summary = "내 크레딧 거래 내역 조회", description = "충전/사용/환불/쿠폰 거래 내역을 조회합니다. type query parameter로 필터링할 수 있습니다.")
+    @GetMapping("/credits/me/transactions")
+    public ApiResponse<List<CreditTransactionResponse>> getTransactions(
+            @AuthenticationPrincipal UserDetailsImpl userDetails,
+            @RequestParam(required = false) CreditTransactionType type
+    ) {
+        return ApiResponse.onSuccess(
+                "크레딧 거래 내역 조회에 성공했습니다.",
+                paymentService.getTransactions(userDetails.getUser(), type)
+        );
+    }
+}

src/main/java/com/jobdri/jobdri_api/domain/payment/dto/request/PaymentConfirmRequest.java

@@ -0,0 +1,16 @@
+package com.jobdri.jobdri_api.domain.payment.dto.request;
+
+import jakarta.validation.constraints.NotBlank;
+import jakarta.validation.constraints.Positive;
+
+public record PaymentConfirmRequest(
+        @NotBlank(message = "paymentKey는 필수입니다.")
+        String paymentKey,
+
+        @NotBlank(message = "orderId는 필수입니다.")
+        String orderId,
+
+        @Positive(message = "결제 금액은 1원 이상이어야 합니다.")
+        int amount
+) {
+}

src/main/java/com/jobdri/jobdri_api/domain/payment/dto/request/PaymentPrepareRequest.java

@@ -0,0 +1,9 @@
+package com.jobdri.jobdri_api.domain.payment.dto.request;
+
+import jakarta.validation.constraints.NotBlank;
+
+public record PaymentPrepareRequest(
+        @NotBlank(message = "플랜 코드는 필수입니다.")
+        String planCode
+) {
+}

src/main/java/com/jobdri/jobdri_api/domain/payment/dto/response/CreditBalanceResponse.java

@@ -0,0 +1,6 @@
+package com.jobdri.jobdri_api.domain.payment.dto.response;
+
+public record CreditBalanceResponse(
+        int creditBalance
+) {
+}

src/main/java/com/jobdri/jobdri_api/domain/payment/dto/response/CreditPlanResponse.java

@@ -0,0 +1,21 @@
+package com.jobdri.jobdri_api.domain.payment.dto.response;
+
+import com.jobdri.jobdri_api.domain.payment.entity.CreditPlan;
+
+public record CreditPlanResponse(
+        String planCode,
+        String name,
+        int creditAmount,
+        int price,
+        boolean recommended
+) {
+    public static CreditPlanResponse from(CreditPlan plan) {
+        return new CreditPlanResponse(
+                plan.getCode(),
+                plan.getName(),
+                plan.getCreditAmount(),
+                plan.getPrice(),
+                plan.isRecommended()
+        );
+    }
+}

src/main/java/com/jobdri/jobdri_api/domain/payment/dto/response/CreditTransactionResponse.java

@@ -0,0 +1,28 @@
+package com.jobdri.jobdri_api.domain.payment.dto.response;
+
+import com.jobdri.jobdri_api.domain.payment.entity.CreditTransaction;
+import com.jobdri.jobdri_api.domain.payment.entity.CreditTransactionType;
+
+import java.time.LocalDateTime;
+
+public record CreditTransactionResponse(
+        Long transactionId,
+        CreditTransactionType type,
+        int amount,
+        int balanceAfter,
+        String description,
+        String referenceId,
+        LocalDateTime createdAt
+) {
+    public static CreditTransactionResponse from(CreditTransaction transaction) {
+        return new CreditTransactionResponse(
+                transaction.getId(),
+                transaction.getType(),
+                transaction.getAmount(),
+                transaction.getBalanceAfter(),
+                transaction.getDescription(),
+                transaction.getReferenceId(),
+                transaction.getCreatedAt()
+        );
+    }
+}

src/main/java/com/jobdri/jobdri_api/domain/payment/dto/response/PaymentConfirmResponse.java

@@ -0,0 +1,26 @@
+package com.jobdri.jobdri_api.domain.payment.dto.response;
+
+import com.jobdri.jobdri_api.domain.payment.entity.Payment;
+import com.jobdri.jobdri_api.domain.payment.entity.PaymentStatus;
+
+public record PaymentConfirmResponse(
+        Long paymentId,
+        String orderId,
+        String paymentKey,
+        PaymentStatus status,
+        int creditAmount,
+        int amount,
+        int creditBalance
+) {
+    public static PaymentConfirmResponse of(Payment payment, int creditBalance) {
+        return new PaymentConfirmResponse(
+                payment.getId(),
+                payment.getOrderId(),
+                payment.getPaymentKey(),
+                payment.getStatus(),
+                payment.getCreditAmount(),
+                payment.getPrice(),
+                creditBalance
+        );
+    }
+}

src/main/java/com/jobdri/jobdri_api/domain/payment/dto/response/PaymentPrepareResponse.java

@@ -0,0 +1,25 @@
+package com.jobdri.jobdri_api.domain.payment.dto.response;
+
+import com.jobdri.jobdri_api.domain.payment.entity.Payment;
+
+public record PaymentPrepareResponse(
+        Long paymentId,
+        String orderId,
+        String orderName,
+        int amount,
+        int creditAmount,
+        String clientKey,
+        String customerEmail
+) {
+    public static PaymentPrepareResponse of(Payment payment, String clientKey) {
+        return new PaymentPrepareResponse(
+                payment.getId(),
+                payment.getOrderId(),
+                payment.getContent(),
+                payment.getPrice(),
+                payment.getCreditAmount(),
+                clientKey,
+                payment.getUser().getEmail()
+        );
+    }
+}

src/main/java/com/jobdri/jobdri_api/domain/payment/dto/toss/TossPaymentConfirmRequest.java

@@ -0,0 +1,8 @@
+package com.jobdri.jobdri_api.domain.payment.dto.toss;
+
+public record TossPaymentConfirmRequest(
+        String paymentKey,
+        String orderId,
+        int amount
+) {
+}

src/main/java/com/jobdri/jobdri_api/domain/payment/dto/toss/TossPaymentConfirmResponse.java

@@ -0,0 +1,11 @@
+package com.jobdri.jobdri_api.domain.payment.dto.toss;
+
+public record TossPaymentConfirmResponse(
+        String paymentKey,
+        String orderId,
+        String orderName,
+        String status,
+        Integer totalAmount,
+        String method
+) {
+}

src/main/java/com/jobdri/jobdri_api/domain/payment/entity/CreditPlan.java

@@ -0,0 +1,38 @@
+package com.jobdri.jobdri_api.domain.payment.entity;
+
+import com.jobdri.jobdri_api.global.apiPayload.code.GeneralErrorCode;
+import com.jobdri.jobdri_api.global.apiPayload.exception.GeneralException;
+import lombok.Getter;
+
+import java.util.Arrays;
+
+@Getter
+public enum CreditPlan {
+    ONE_TIME("ONE_TIME", "1회권", 1, 2500, false),
+    FIVE_TIMES("FIVE_TIMES", "5회권", 5, 11500, true),
+    TEN_TIMES("TEN_TIMES", "10회권", 10, 19900, false);
+
+    private final String code;
+    private final String name;
+    private final int creditAmount;
+    private final int price;
+    private final boolean recommended;
+
+    CreditPlan(String code, String name, int creditAmount, int price, boolean recommended) {
+        this.code = code;
+        this.name = name;
+        this.creditAmount = creditAmount;
+        this.price = price;
+        this.recommended = recommended;
+    }
+
+    public static CreditPlan from(String code) {
+        return Arrays.stream(values())
+                .filter(plan -> plan.code.equalsIgnoreCase(code))
+                .findFirst()
+                .orElseThrow(() -> new GeneralException(
+                        GeneralErrorCode.INVALID_PARAMETER,
+                        "지원하지 않는 크레딧 플랜입니다. planCode=" + code
+                ));
+    }
+}