feat: P6 후속 2 — PWA 본인 프로필/출금취소 + SETTLED/FAILED 자동 알림

PWA 본인 프로필:
- Profile.tsx 신규 (phone 자기수정 Dialog + 비밀번호 변경 + 로그아웃)
- TabBar 에 "내정보" 탭 추가 (총 5탭)
- 백엔드 PUT /api/mobile/me/profile/phone (MobileMeService.updateMyPhone, 토큰에서 userId 강제)
- 비밀번호 변경은 기존 /api/auth/password 재사용

PWA 출금 신청 취소:
- 백엔드 POST /api/mobile/me/withdraw-requests/{id}/cancel
  · 본인 agentId 검증 후 기존 WithdrawRequestService.cancel 호출
  · REQUESTED 상태에서만 가능 (기존 검증 재사용)
- WithdrawList 행을 SwipeAction 으로 감싸 "취소" 액션 노출
  · REQUESTED 상태 행만 SwipeAction 활성

출금 SETTLED/FAILED 본인 알림 자동 발행:
- WithdrawBankSettleService 가 SETTLED/FAILED 전이 시 user_notification INSERT
- 신청자(requestedBy) 에게 RefType=WITHDRAW, refId=requestId 로 발행
- 알림 발행 실패해도 동기화 흐름 비차단 (warn 로그만)
- PWA NoticeList 의 "내 알림" 탭에서 즉시 확인 가능

검증:
- ga-api compileJava + ga-frontend/ga-mobile-pwa tsc PASS
- PUT /api/mobile/me/profile/phone (admin) → 200, GET /api/auth/me 의 phone 변경 확인
- POST /api/mobile/me/withdraw-requests/1/cancel (admin) → E403 (agentId null 보안 강제)
- POST /api/internal/bank-settle → 200 data=0 (이번엔 ACCEPTED 잔여 없음, 알림 발행 경로 코드상 검증)

Co-Authored-By: Claude Opus 4.7 (1M context) <noreply@anthropic.com>

ga-api/src/main/java/com/ga/api/controller/mobile/MobileMeController.java

@@ -80,6 +80,23 @@ public class MobileMeController {
         return ApiResponse.ok(service.createWithdrawRequest(req));
     }
 
+    @PostMapping("/withdraw-requests/{requestId}/cancel")
+    public ApiResponse<Void> cancelWithdrawRequest(@PathVariable Long requestId) {
+        service.cancelMyWithdrawRequest(requestId);
+        return ApiResponse.ok();
+    }
+
+    @PutMapping("/profile/phone")
+    public ApiResponse<Void> updateMyPhone(@RequestBody PhoneReq req) {
+        service.updateMyPhone(req.getPhone());
+        return ApiResponse.ok();
+    }
+
+    @lombok.Data
+    public static class PhoneReq {
+        private String phone;
+    }
+
     @GetMapping("/notifications")
     public ApiResponse<PageResponse<UserNotificationResp>> notifications(
             @ModelAttribute UserNotificationSearchParam param) {

ga-api/src/main/java/com/ga/api/service/mobile/MobileMeService.java

@@ -131,6 +131,14 @@ public class MobileMeService {
         return statementService.download(statementId);
     }
 
+    /** 본인 phone 자기 수정 — 관리자 거치지 않고 본인이 직접 등록·정정. */
+    @Transactional
+    public void updateMyPhone(String phone) {
+        Long userId = currentUserId();
+        String trimmed = phone == null || phone.isBlank() ? null : phone.trim();
+        userMapper.updatePhone(userId, trimmed);
+    }
+
     /** 본인 출금 가능 정산 마스터 목록. 출금 신청 폼의 settleMasterId 드롭다운 용. */
     @Transactional(readOnly = true)
     public List<SettleMasterResp> withdrawableSettleMasters() {
@@ -143,6 +151,16 @@ public class MobileMeService {
         return settleMasterMapper.selectList(param);
     }
 
+    /** 본인 출금 신청 취소. 본인 소유 검증 후 기존 WithdrawRequestService.cancel 호출. */
+    @Transactional
+    public void cancelMyWithdrawRequest(Long requestId) {
+        Long agentId = requireAgentId();
+        com.ga.core.vo.withdraw.WithdrawRequestResp existing = withdrawMapper.selectById(requestId);
+        if (existing == null) throw new BizException(ErrorCode.NOT_FOUND);
+        if (!agentId.equals(existing.getAgentId())) throw new BizException(ErrorCode.FORBIDDEN);
+        withdrawRequestService.cancel(requestId);
+    }
+
     /**
      * 본인 출금 신청 등록. agentId / requestedBy 는 토큰에서 강제 결정.
      * 클라이언트가 보낸 값은 무시한다.

ga-api/src/main/java/com/ga/api/service/withdraw/WithdrawBankSettleService.java

@@ -3,7 +3,10 @@ package com.ga.api.service.withdraw;
 import com.ga.common.adapter.bank.BankTransferAdapter;
 import com.ga.common.adapter.bank.BankTransferResponse;
 import com.ga.common.adapter.bank.BankTransferStatus;
+import com.ga.core.mapper.notice.UserNotificationMapper;
 import com.ga.core.mapper.withdraw.WithdrawRequestMapper;
+import com.ga.core.vo.notice.NotificationRefType;
+import com.ga.core.vo.notice.UserNotificationVO;
 import com.ga.core.vo.withdraw.WithdrawRequestVO;
 import lombok.RequiredArgsConstructor;
 import lombok.extern.slf4j.Slf4j;
@@ -34,6 +37,7 @@ public class WithdrawBankSettleService {
 
     private final WithdrawRequestMapper mapper;
     private final BankTransferAdapter bankTransferAdapter;
+    private final UserNotificationMapper notificationMapper;
 
     @Value("${app.bank-settle.limit:50}")
     private int batchLimit;
@@ -56,11 +60,17 @@ public class WithdrawBankSettleService {
 
                 if (status == BankTransferStatus.SETTLED) {
                     int n = mapper.markSettled(vo.getRequestId());
-                    if (n > 0) changed++;
+                    if (n > 0) {
+                        changed++;
+                        notify(vo, true, null);
+                    }
                 } else if (status == BankTransferStatus.FAILED) {
                     String reason = resp.getResultMessage() != null ? resp.getResultMessage() : "settle failed";
                     int n = mapper.markSettleFailed(vo.getRequestId(), reason);
-                    if (n > 0) changed++;
+                    if (n > 0) {
+                        changed++;
+                        notify(vo, false, reason);
+                    }
                 }
                 // ACCEPTED 유지 시 no-op
             } catch (Exception e) {
@@ -72,6 +82,34 @@ public class WithdrawBankSettleService {
         return changed;
     }
 
+    /**
+     * 신청자에게 결과 알림. 본인 알림이 실패해도 동기화 흐름은 비차단.
+     */
+    private void notify(WithdrawRequestVO vo, boolean settled, String reason) {
+        Long userId = vo.getRequestedBy();
+        if (userId == null) return;
+        try {
+            UserNotificationVO n = new UserNotificationVO();
+            n.setUserId(userId);
+            n.setRefType(NotificationRefType.WITHDRAW.name());
+            n.setRefId(vo.getRequestId());
+            n.setIsRead(false);
+            if (settled) {
+                n.setTitle("출금 입금 완료");
+                n.setContent("#" + vo.getRequestId() + " 출금 신청이 입금 완료되었습니다 ("
+                        + vo.getAmount() + "원).");
+            } else {
+                n.setTitle("출금 입금 실패");
+                n.setContent("#" + vo.getRequestId() + " 출금이 실패하였습니다"
+                        + (reason != null ? " — " + reason : "")
+                        + ". 재시도 처리됩니다.");
+            }
+            notificationMapper.insert(n);
+        } catch (Exception e) {
+            log.warn("[BANK-SETTLE] 알림 발행 실패 requestId={}: {}", vo.getRequestId(), e.getMessage());
+        }
+    }
+
     /**
      * cron 기반 자동 동기화.
      * yml 에 {@code app.bank-settle.cron} 미설정 시 매년 1월 1일 0시(=사실상 비활성)로 작동.

ga-mobile-pwa/src/App.tsx

@@ -8,6 +8,7 @@ import StatementDetail from '@/pages/StatementDetail';
 import WithdrawList from '@/pages/WithdrawList';
 import WithdrawCreate from '@/pages/WithdrawCreate';
 import NoticeList from '@/pages/NoticeList';
+import Profile from '@/pages/Profile';
 
 function AuthedLayout({ children }: { children: React.ReactNode }) {
   return (
@@ -70,6 +71,14 @@ export default function App() {
           </RequireAuth>
         }
       />
+      <Route
+        path="/profile"
+        element={
+          <RequireAuth>
+            <AuthedLayout><Profile /></AuthedLayout>
+          </RequireAuth>
+        }
+      />
     </Routes>
   );
 }

ga-mobile-pwa/src/api/auth.ts

@@ -37,5 +37,9 @@ export const authApi = {
   me: () => unwrap<MeResp>(api.get('/api/auth/me')),
   refresh: (refreshToken: string) =>
     unwrap<LoginResp>(api.post('/api/auth/refresh', { refreshToken })),
+  changePassword: (oldPassword: string, newPassword: string) =>
+    unwrap<void>(api.post('/api/auth/password', { oldPassword, newPassword })),
+  updateMyPhone: (phone: string) =>
+    unwrap<void>(api.put('/api/mobile/me/profile/phone', { phone })),
   logout: () => api.post('/api/auth/logout').catch(() => undefined),
 };

ga-mobile-pwa/src/api/withdraw.ts

@@ -53,4 +53,8 @@ export const withdrawApi = {
   /** 본인 출금 신청 등록. */
   create: (req: WithdrawCreateReq) =>
     unwrap<number>(api.post('/api/mobile/me/withdraw-requests', req)),
+
+  /** 본인 출금 신청 취소 (REQUESTED 상태만). */
+  cancel: (requestId: number) =>
+    unwrap<void>(api.post(`/api/mobile/me/withdraw-requests/${requestId}/cancel`)),
 };

ga-mobile-pwa/src/components/TabBar.tsx

@@ -1,5 +1,5 @@
 import { TabBar } from 'antd-mobile';
-import { AppOutline, FileOutline, PayCircleOutline, SoundOutline } from 'antd-mobile-icons';
+import { AppOutline, FileOutline, PayCircleOutline, SoundOutline, UserOutline } from 'antd-mobile-icons';
 import { useLocation, useNavigate } from 'react-router-dom';
 
 const tabs = [
@@ -7,6 +7,7 @@ const tabs = [
   { key: '/statement', title: '명세서',   icon: <FileOutline /> },
   { key: '/withdraw',  title: '출금',     icon: <PayCircleOutline /> },
   { key: '/notice',    title: '공지',     icon: <SoundOutline /> },
+  { key: '/profile',   title: '내정보',   icon: <UserOutline /> },
 ];
 
 export default function MobileTabBar() {

ga-mobile-pwa/src/pages/Profile.tsx

@@ -0,0 +1,139 @@
+import { Button, Card, Dialog, Form, Input, List, NavBar, Toast } from 'antd-mobile';
+import { useQuery, useQueryClient } from '@tanstack/react-query';
+import { useNavigate } from 'react-router-dom';
+import { useState } from 'react';
+import { authApi } from '@/api/auth';
+import { useAuthStore } from '@/stores/authStore';
+
+export default function Profile() {
+  const navigate = useNavigate();
+  const queryClient = useQueryClient();
+  const clear = useAuthStore((s) => s.clear);
+  const setProfile = useAuthStore((s) => s.setProfile);
+  const [phoneOpen, setPhoneOpen] = useState(false);
+  const [phoneInput, setPhoneInput] = useState('');
+  const [pwOpen, setPwOpen] = useState(false);
+  const [pwForm] = Form.useForm<{ oldPassword: string; newPassword: string; confirm: string }>();
+
+  const { data: me, refetch } = useQuery({
+    queryKey: ['mobile.me.profile'],
+    queryFn: () => authApi.me(),
+  });
+
+  const submitPhone = async () => {
+    try {
+      await authApi.updateMyPhone(phoneInput.trim());
+      Toast.show({ icon: 'success', content: '전화번호 저장 완료' });
+      setPhoneOpen(false);
+      await refetch();
+      const fresh = await authApi.me().catch(() => null);
+      if (fresh) setProfile(fresh);
+    } catch {
+      // interceptor 처리
+    }
+  };
+
+  const submitPassword = async () => {
+    try {
+      const v = await pwForm.validateFields();
+      if (v.newPassword !== v.confirm) {
+        Toast.show({ icon: 'fail', content: '새 비밀번호 확인이 일치하지 않습니다' });
+        return;
+      }
+      await authApi.changePassword(v.oldPassword, v.newPassword);
+      Toast.show({ icon: 'success', content: '비밀번호 변경 완료' });
+      setPwOpen(false);
+      pwForm.resetFields();
+    } catch {
+      // 검증 실패 또는 서버 오류
+    }
+  };
+
+  const onLogout = () => {
+    Dialog.confirm({
+      content: '로그아웃 하시겠습니까?',
+      onConfirm: async () => {
+        await authApi.logout();
+        queryClient.clear();
+        clear();
+        navigate('/login', { replace: true });
+      },
+    });
+  };
+
+  return (
+    <div className="page">
+      <NavBar back={null}>내 정보</NavBar>
+      <div style={{ padding: 12 }}>
+        <Card title={me?.userName ?? me?.loginId ?? '-'}>
+          <List>
+            <List.Item extra={me?.loginId ?? '-'}>아이디</List.Item>
+            <List.Item extra={me?.userName ?? '-'}>이름</List.Item>
+            <List.Item extra={me?.email ?? '-'}>이메일</List.Item>
+            <List.Item
+              extra={me?.phone ?? <span style={{ color: '#bbb' }}>미등록</span>}
+              clickable
+              onClick={() => { setPhoneInput(me?.phone ?? ''); setPhoneOpen(true); }}
+            >
+              전화번호
+            </List.Item>
+            <List.Item extra={me?.agentName ?? <span style={{ color: '#bbb' }}>미연결</span>}>설계사</List.Item>
+            <List.Item extra={me?.orgName ?? '-'}>소속</List.Item>
+          </List>
+        </Card>
+
+        <Card style={{ marginTop: 12 }}>
+          <List>
+            <List.Item clickable onClick={() => setPwOpen(true)}>비밀번호 변경</List.Item>
+            <List.Item clickable onClick={onLogout} style={{ color: '#ff3141' }}>로그아웃</List.Item>
+          </List>
+        </Card>
+
+        <Dialog
+          visible={phoneOpen}
+          title="전화번호 등록"
+          content={
+            <div>
+              <Input placeholder="010-1234-5678" value={phoneInput} onChange={setPhoneInput} autoFocus />
+              <div style={{ marginTop: 8, fontSize: 12, color: '#999' }}>
+                SMS 알림 발송에 사용됩니다.
+              </div>
+            </div>
+          }
+          actions={[
+            [
+              { key: 'cancel', text: '취소', onClick: () => setPhoneOpen(false) },
+              { key: 'save', text: '저장', bold: true, onClick: submitPhone },
+            ],
+          ]}
+        />
+
+        <Dialog
+          visible={pwOpen}
+          title="비밀번호 변경"
+          content={
+            <Form form={pwForm} layout="vertical">
+              <Form.Item name="oldPassword" label="현재 비밀번호" rules={[{ required: true, message: '필수' }]}>
+                <Input type="password" />
+              </Form.Item>
+              <Form.Item name="newPassword" label="새 비밀번호" rules={[{ required: true, min: 8, message: '8자 이상' }]}>
+                <Input type="password" />
+              </Form.Item>
+              <Form.Item name="confirm" label="새 비밀번호 확인" rules={[{ required: true, message: '필수' }]}>
+                <Input type="password" />
+              </Form.Item>
+            </Form>
+          }
+          actions={[
+            [
+              { key: 'cancel', text: '취소', onClick: () => { setPwOpen(false); pwForm.resetFields(); } },
+              { key: 'save', text: '변경', bold: true, onClick: submitPassword },
+            ],
+          ]}
+        />
+
+        <Button block style={{ marginTop: 16 }} onClick={onLogout}>로그아웃</Button>
+      </div>
+    </div>
+  );
+}

ga-mobile-pwa/src/pages/WithdrawList.tsx

@@ -1,4 +1,4 @@
-import { Button, ErrorBlock, List, NavBar, PullToRefresh, Tag } from 'antd-mobile';
+import { Button, Dialog, ErrorBlock, List, NavBar, PullToRefresh, SwipeAction, Tag, Toast } from 'antd-mobile';
 import { AddOutline } from 'antd-mobile-icons';
 import { useQuery } from '@tanstack/react-query';
 import { useNavigate } from 'react-router-dom';
@@ -48,19 +48,40 @@ export default function WithdrawList() {
           )}
           {items.length > 0 && (
             <List>
-              {items.map((w: WithdrawResp) => (
+              {items.map((w: WithdrawResp) => {
-                <List.Item
+                const cancellable = w.status === 'REQUESTED';
-                  key={w.requestId}
+                const row = (
-                  title={<span>#{w.requestId} {w.settleMonth ?? ''}</span>}
+                  <List.Item
-                  description={
+                    key={w.requestId}
-                    <span style={{ fontSize: 12 }}>
+                    title={<span>#{w.requestId} {w.settleMonth ?? ''}</span>}
-                      {w.bankCode ?? '-'} · {w.accountNo ?? '-'} · {w.amount.toLocaleString()}원
+                    description={
-                      {w.transferTxId && <> · txId={w.transferTxId}</>}
+                      <span style={{ fontSize: 12 }}>
-                    </span>
+                        {w.bankCode ?? '-'} · {w.accountNo ?? '-'} · {w.amount.toLocaleString()}원
-                  }
+                        {w.transferTxId && <> · txId={w.transferTxId}</>}
-                  extra={<Tag color={STATUS_COLOR[w.status] ?? 'default'}>{w.statusName ?? w.status}</Tag>}
+                      </span>
-                />
+                    }
-              ))}
+                    extra={<Tag color={STATUS_COLOR[w.status] ?? 'default'}>{w.statusName ?? w.status}</Tag>}
+                  />
+                );
+                if (!cancellable) return row;
+                return (
+                  <SwipeAction
+                    key={w.requestId}
+                    rightActions={[{
+                      key: 'cancel', text: '취소', color: 'danger',
+                      onClick: async () => {
+                        const ok = await Dialog.confirm({ content: `#${w.requestId} 출금 신청을 취소하시겠습니까?` });
+                        if (!ok) return;
+                        await withdrawApi.cancel(w.requestId);
+                        Toast.show({ icon: 'success', content: '취소되었습니다' });
+                        await refetch();
+                      },
+                    }]}
+                  >
+                    {row}
+                  </SwipeAction>
+                );
+              })}
             </List>
           )}
         </div>