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/hermes/src/main/kotlin/kr/or/bok/rtgs/hermes/HermesApplication.kt

@@ -31,15 +31,16 @@ interface JournalLogRepository : JpaRepository<JournalLog, Long>
 interface TransferRepository : JpaRepository<TransferRecord, String> {
     /**
      * 거래 원장 원자적 upsert. 신규면 INSERT, 이미 있으면(Dior/타 소비자가 먼저 생성) UPDATE.
-     * created_at은 최초 값 유지(갱신 제외). Dior-Hermes 동시 삽입 경합에서 중복키 예외 제거.
+     * created_at은 최초 값 유지(갱신 제외). acsp_at(정산시각)은 Hermes가 기록하고, pdng_at은 SET에서
+     * 제외해 Dior가 기록한 값을 보존한다. Dior-Hermes 동시 삽입 경합에서 중복키 예외 제거.
      */
     @Modifying
     @Query(
         value = """
             INSERT INTO transfer
-              (bmi, global_seq, status, sender_code, receiver_code, amount, origin_center, created_at, updated_at, reason)
+              (bmi, global_seq, status, sender_code, receiver_code, amount, origin_center, created_at, updated_at, reason, acsp_at)
             VALUES
-              (:bmi, :seq, :status, :sender, :receiver, :amount, :origin, :createdAt, :updatedAt, :reason)
+              (:bmi, :seq, :status, :sender, :receiver, :amount, :origin, :createdAt, :updatedAt, :reason, :acspAt)
             ON CONFLICT (bmi) DO UPDATE SET
               global_seq    = EXCLUDED.global_seq,
               status        = EXCLUDED.status,
@@ -48,7 +49,8 @@ interface TransferRepository : JpaRepository<TransferRecord, String> {
               amount        = EXCLUDED.amount,
               origin_center = EXCLUDED.origin_center,
               updated_at    = EXCLUDED.updated_at,
-              reason        = EXCLUDED.reason
+              reason        = EXCLUDED.reason,
+              acsp_at       = EXCLUDED.acsp_at
         """,
         nativeQuery = true,
     )
@@ -63,6 +65,7 @@ interface TransferRepository : JpaRepository<TransferRecord, String> {
         @Param("createdAt") createdAt: Long,
         @Param("updatedAt") updatedAt: Long,
         @Param("reason") reason: String?,
+        @Param("acspAt") acspAt: Long,
     ): Int
 }
 

backend/hermes/src/main/kotlin/kr/or/bok/rtgs/hermes/SettlementApplier.kt

@@ -64,6 +64,7 @@ class SettlementApplier(
             bmi = e.core.bmi, seq = e.globalSeq, status = status.name,
             sender = e.core.senderCode, receiver = e.core.receiverCode, amount = e.core.amount,
             origin = e.originCenter, createdAt = e.seqEpochMillis, updatedAt = now, reason = reason,
+            acspAt = now,
         )
         journalLogs.findById(e.globalSeq).ifPresent { it.applied = true; journalLogs.save(it) }
         return ResultMessage(