feat(chat-room, payment): 유료 메시지 구매 플로우 구현 및 결제 연동(이미지 보유 처리 포함)

- 채팅 유료 메시지 구매 API 추가: POST /api/chat/room/{chatRoomId}/messages/{messageId}/purchase
- ChatRoomService.purchaseMessage 구현: 참여/유효성/가격 검증, 이미지 메시지 보유 시 결제 생략, 결제 완료 시 ChatMessageItemDto 반환
- CanPaymentService.spendCanForChatMessage 추가: UseCan에 chatMessage(+이미지 메시지면 characterImage) 연동 저장 및 게이트웨이 별 정산 기록(setUseCanCalculate)
- Character Image 결제 경로에 정산 기록 호출 누락분 보강
- ChatMessageItemDto 변환 헬퍼(toChatMessageItemDto) 추가 및 접근권한(hasAccess) 계산 일원화

src/main/kotlin/kr/co/vividnext/sodalive/can/payment/CanPaymentService.kt

@@ -373,4 +373,53 @@ class CanPaymentService(
         setUseCanCalculate(null, useRewardCan, useChargeCan, useCan, paymentGateway = PaymentGateway.GOOGLE_IAP)
         setUseCanCalculate(null, useRewardCan, useChargeCan, useCan, paymentGateway = PaymentGateway.APPLE_IAP)
     }
+
+    @Transactional
+    fun spendCanForChatMessage(
+        memberId: Long,
+        needCan: Int,
+        message: kr.co.vividnext.sodalive.chat.room.ChatMessage,
+        container: String
+    ) {
+        val member = memberRepository.findByIdOrNull(id = memberId)
+            ?: throw SodaException("잘못된 요청입니다.\n다시 시도해 주세요.")
+
+        val useRewardCan = spendRewardCan(member, needCan, container)
+        val useChargeCan = if (needCan - useRewardCan.total > 0) {
+            spendChargeCan(member, needCan = needCan - useRewardCan.total, container = container)
+        } else {
+            null
+        }
+
+        if (needCan - useRewardCan.total - (useChargeCan?.total ?: 0) > 0) {
+            throw SodaException(
+                "${needCan - useRewardCan.total - (useChargeCan?.total ?: 0)} " +
+                    "캔이 부족합니다. 충전 후 이용해 주세요."
+            )
+        }
+
+        if (!useRewardCan.verify() || useChargeCan?.verify() == false) {
+            throw SodaException("잘못된 요청입니다.\n다시 시도해 주세요.")
+        }
+
+        val useCan = UseCan(
+            canUsage = CanUsage.CHAT_MESSAGE_PURCHASE,
+            can = useChargeCan?.total ?: 0,
+            rewardCan = useRewardCan.total,
+            isSecret = false
+        )
+        useCan.member = member
+        useCan.chatMessage = message
+        // 이미지 메시지의 경우 이미지 연관도 함께 기록
+        message.characterImage?.let { img ->
+            useCan.characterImage = img
+        }
+
+        useCanRepository.save(useCan)
+
+        setUseCanCalculate(null, useRewardCan, useChargeCan, useCan, paymentGateway = PaymentGateway.PG)
+        setUseCanCalculate(null, useRewardCan, useChargeCan, useCan, paymentGateway = PaymentGateway.POINT_CLICK_AD)
+        setUseCanCalculate(null, useRewardCan, useChargeCan, useCan, paymentGateway = PaymentGateway.GOOGLE_IAP)
+        setUseCanCalculate(null, useRewardCan, useChargeCan, useCan, paymentGateway = PaymentGateway.APPLE_IAP)
+    }
 }

src/main/kotlin/kr/co/vividnext/sodalive/chat/room/controller/ChatRoomController.kt

@@ -1,5 +1,6 @@
 package kr.co.vividnext.sodalive.chat.room.controller
 
+import kr.co.vividnext.sodalive.chat.room.dto.ChatMessagePurchaseRequest
 import kr.co.vividnext.sodalive.chat.room.dto.CreateChatRoomRequest
 import kr.co.vividnext.sodalive.chat.room.dto.SendChatMessageRequest
 import kr.co.vividnext.sodalive.chat.room.service.ChatRoomService
@@ -159,4 +160,24 @@ class ChatRoomController(
             ApiResponse.ok(chatRoomService.sendMessage(member, chatRoomId, request.message))
         }
     }
+
+    /**
+     * 유료 메시지 구매 API
+     * - 참여 여부 검증
+     * - 이미지 메시지의 경우 이미 보유 시 결제 없이 true 반환
+     * - 그 외 가격 검증 후 CanPaymentService 통해 결제 처리
+     */
+    @PostMapping("/{chatRoomId}/messages/{messageId}/purchase")
+    fun purchaseMessage(
+        @AuthenticationPrincipal(expression = "#this == 'anonymousUser' ? null : member") member: Member?,
+        @PathVariable chatRoomId: Long,
+        @PathVariable messageId: Long,
+        @RequestBody request: ChatMessagePurchaseRequest
+    ) = run {
+        if (member == null) throw SodaException("로그인 정보를 확인해주세요.")
+        if (member.auth == null) throw SodaException("본인인증을 하셔야 합니다.")
+
+        val result = chatRoomService.purchaseMessage(member, chatRoomId, messageId, request.container)
+        ApiResponse.ok(result)
+    }
 }

src/main/kotlin/kr/co/vividnext/sodalive/chat/room/dto/ChatRoomDto.kt

@@ -130,6 +130,13 @@ data class SendChatMessageRequest(
     val message: String
 )
 
+/**
+ * 유료 메시지 구매 요청 DTO
+ */
+data class ChatMessagePurchaseRequest(
+    val container: String
+)
+
 /**
  * 외부 API 채팅 전송 응답 DTO
  */

src/main/kotlin/kr/co/vividnext/sodalive/chat/room/service/ChatRoomService.kt

@@ -47,6 +47,7 @@ class ChatRoomService(
     private val messageRepository: ChatMessageRepository,
     private val characterService: ChatCharacterService,
     private val characterImageService: CharacterImageService,
+    private val canPaymentService: kr.co.vividnext.sodalive.can.payment.CanPaymentService,
 
     @Value("\${weraser.api-key}")
     private val apiKey: String,
@@ -62,6 +63,46 @@ class ChatRoomService(
 ) {
     private val log = LoggerFactory.getLogger(ChatRoomService::class.java)
 
+    @Transactional
+    fun purchaseMessage(member: Member, chatRoomId: Long, messageId: Long, container: String): ChatMessageItemDto {
+        val room = chatRoomRepository.findById(chatRoomId).orElseThrow {
+            SodaException("채팅방을 찾을 수 없습니다.")
+        }
+        // 참여 여부 검증
+        participantRepository.findByChatRoomAndMemberAndIsActiveTrue(room, member)
+            ?: throw SodaException("잘못된 접근입니다")
+
+        val message = messageRepository.findById(messageId).orElseThrow {
+            SodaException("메시지를 찾을 수 없습니다.")
+        }
+        if (!message.isActive) throw SodaException("비활성화된 메시지입니다.")
+        if (message.chatRoom.id != room.id) throw SodaException("잘못된 접근입니다")
+
+        val price = message.price ?: throw SodaException("구매할 수 없는 메시지입니다.")
+        if (price <= 0) throw SodaException("구매 가격이 잘못되었습니다.")
+
+        // 이미지 메시지인 경우: 이미 소유했다면 결제 생략하고 DTO 반환
+        if (message.messageType == ChatMessageType.IMAGE) {
+            val image = message.characterImage
+            if (image != null) {
+                val alreadyOwned = characterImageService.isOwnedImageByMember(image.id!!, member.id!!)
+                if (alreadyOwned) {
+                    return toChatMessageItemDto(message, member)
+                }
+            }
+        }
+
+        // 결제 진행 및 UseCan 기록 (이미지 메시지면 chatMessage + characterImage 동시 기록됨)
+        canPaymentService.spendCanForChatMessage(
+            memberId = member.id!!,
+            needCan = price,
+            message = message,
+            container = container
+        )
+        // 결제 완료 후 접근 가능 상태로 DTO 반환
+        return toChatMessageItemDto(message, member, forceHasAccess = true)
+    }
+
     /**
      * 채팅방 생성 또는 조회
      *
@@ -621,6 +662,44 @@ class ChatRoomService(
         return listOf(textDto)
     }
 
+    private fun toChatMessageItemDto(
+        msg: ChatMessage,
+        member: Member,
+        forceHasAccess: Boolean = false
+    ): ChatMessageItemDto {
+        val sender = msg.participant
+        val profilePath = when (sender.participantType) {
+            ParticipantType.USER -> sender.member?.profileImage
+            ParticipantType.CHARACTER -> sender.character?.imagePath
+        }
+        val senderImageUrl = "$imageHost/${profilePath ?: "profile/default-profile.png"}"
+        val createdAtMillis = msg.createdAt?.atZone(ZoneId.systemDefault())?.toInstant()?.toEpochMilli() ?: 0L
+        val hasAccess = if (forceHasAccess) {
+            true
+        } else if (msg.messageType == ChatMessageType.IMAGE) {
+            if (msg.price == null) {
+                true
+            } else {
+                msg.characterImage?.id?.let {
+                    characterImageService.isOwnedImageByMember(it, member.id!!)
+                } ?: true
+            }
+        } else {
+            true
+        }
+        return ChatMessageItemDto(
+            messageId = msg.id!!,
+            message = msg.message,
+            profileImageUrl = senderImageUrl,
+            mine = sender.member?.id == member.id,
+            createdAt = createdAtMillis,
+            messageType = msg.messageType.name,
+            imageUrl = msg.imagePath?.let { "$imageHost/$it" },
+            price = msg.price,
+            hasAccess = hasAccess
+        )
+    }
+
     private fun callExternalApiForChatSendWithRetry(
         userId: String,
         characterUUID: String,