feat(ledger): 거래 단계별 처리시각 기록·조회 및 pacs.002 결과통보 조회

- transfer에 pdng_at(Dior)·acsp_at(Hermes) 컬럼 추가(V5), Dior/Hermes가 각 단계 처리시각 기록
- Chanel /inquiry 응답에 접수·순번·기록·정산·완결 5단계 시각(rcvdAt/actcAt/pdngAt/acspAt/acccAt) 노출
- 경합 안전 upsert(Dior COALESCE, Hermes acsp_at 갱신·pdng_at 보존)

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

backend/chanel/src/main/kotlin/kr/or/bok/rtgs/chanel/ChanelController.kt

@@ -2,6 +2,7 @@ package kr.or.bok.rtgs.chanel
 
 import kr.or.bok.rtgs.chanel.jpa.AccountRepository
 import kr.or.bok.rtgs.chanel.jpa.NotificationRepository
+import kr.or.bok.rtgs.chanel.jpa.RawMessageRepository
 import kr.or.bok.rtgs.chanel.jpa.TransferRepository
 import kr.or.bok.rtgs.common.iso20022.Iso20022Codec
 import org.springframework.http.MediaType
@@ -21,6 +22,7 @@ class ChanelController(
     private val transfers: TransferRepository,
     private val accounts: AccountRepository,
     private val notifications: NotificationRepository,
+    private val rawMessages: RawMessageRepository,
 ) {
     /** 자금이체 신청/접수: pacs.008 XML → pacs.002 XML. */
     @PostMapping(
@@ -31,11 +33,13 @@ class ChanelController(
     fun payCustomer(@RequestBody rawXml: String): String =
         Iso20022Codec.writePacs002(service.accept(rawXml))
 
-    /** 거래 상태 조회. */
+    /** 거래 상태 조회. 서비스별 단계 처리시각(타임라인) 포함. */
     @GetMapping("/inquiry/{bmi}")
     fun inquiry(@PathVariable bmi: String): Map<String, Any?> {
         val t = transfers.findById(bmi).orElse(null)
             ?: return mapOf("bmi" to bmi, "status" to "IN_FLIGHT", "note" to "not yet persisted")
+        val finalized = t.status.name == "ACCC" || t.status.name == "RJCT"
+        val rcvdAt = rawMessages.findById(bmi).orElse(null)?.receivedAt
         return mapOf(
             "bmi" to t.bmi,
             "globalSeq" to t.globalSeq,
@@ -46,6 +50,12 @@ class ChanelController(
             "originCenter" to t.originCenter,
             "updatedAt" to t.updatedAt,
             "reason" to t.reason,
+            // 서비스별 처리시각(epoch ms). 접수=Chanel, 순번=Sequencer, 기록=Dior, 정산=Hermes, 완결=Prada.
+            "rcvdAt" to rcvdAt,
+            "actcAt" to t.createdAt,
+            "pdngAt" to t.pdngAt,
+            "acspAt" to t.acspAt,
+            "acccAt" to if (finalized) t.updatedAt else null,
         )
     }