diff --git a/src/main/java/dao/AccountDao.java b/src/main/java/dao/AccountDao.java
index 7a0971f0..113e722d 100644
--- a/src/main/java/dao/AccountDao.java
+++ b/src/main/java/dao/AccountDao.java
@@ -19,6 +19,38 @@ public class AccountDao {
     public static AccountDao getInstance() {
     	return dao;
     }
+    
+    public AccountDto selectAccountByUserId(String userId) {
+        Connection conn = null;
+        PreparedStatement pstmt = null;
+        ResultSet rs = null;
+        
+        Account account = null;
+        
+        try {
+            conn = dbUtil.getConnection();
+            pstmt = conn.prepareStatement("SELECT * FROM account WHERE user_id = ?");
+            pstmt.setString(1, userId);
+            rs = pstmt.executeQuery();
+            
+            while (rs.next()) {
+                account = Account.builder()
+                		.id(rs.getLong("id"))
+                		.userId(rs.getString("user_id"))
+                		.accountNum(rs.getString("account_num"))
+                		.balance(rs.getLong("balance"))
+                		.bankName(rs.getString("bank_name"))
+                		.isStopped(rs.getInt("is_stopped"))
+                		.build();
+            }
+        } catch (Exception e) {
+            e.printStackTrace();
+        } finally {
+            dbUtil.close(rs, pstmt, conn);
+        }
+        return new AccountDto(account);
+    }
+    
 	public AccountDto selectAccountByCardId(Long cardId) {
 		Connection conn = null;
 		PreparedStatement pstmt = null;
@@ -64,6 +96,23 @@ public AccountDto selectAccountByCardId(Long cardId) {
 		}
 		return dto;
 	}
+	
+	public void updateAccountByAccountId(Long accountId, Long balance) throws SQLException {
+        Connection conn = null;
+        PreparedStatement pstmt = null;
+        try {
+            conn = dbUtil.getConnection();
+            pstmt = conn.prepareStatement("UPDATE account SET balance = ? WHERE account_id = ?");
+            pstmt.setLong(1, balance);
+            pstmt.setLong(2, accountId);
+            pstmt.executeUpdate();
+        } catch (Exception e) {
+            e.printStackTrace();
+        } finally {
+            dbUtil.close(pstmt, conn);
+        }
+    }
+	
 
 	public void updateBalance(Long accountId, Long money) throws SQLException {
 		Connection conn = null;
@@ -100,6 +149,8 @@ public void updateBalance(Long accountId, Long money) throws SQLException {
 		}
 	}
 	
+	
+	
 	public List<AccountResponseDto> selectAccount(String userId) {
         Connection conn = null;
         PreparedStatement pstmt = null;
diff --git a/src/main/java/dao/CardDao.java b/src/main/java/dao/CardDao.java
index 3013476d..931e8197 100644
--- a/src/main/java/dao/CardDao.java
+++ b/src/main/java/dao/CardDao.java
@@ -1,6 +1,7 @@
 package dao;
 
 import java.sql.Connection;
+
 import java.sql.PreparedStatement;
 import java.sql.ResultSet;
 import java.sql.SQLException;
@@ -10,10 +11,12 @@
 import db.DBUtil;
 import domain.Card;
 import domain.Product;
+import dto.CardDto;
 import dto.CardResponseDto;
 import dto.CardHistoryResponseDto;
 import dto.CardInsertDto;
 import dto.CheckCardDaoToServiceDto;
+import dto.CreditCardDaoToServiceDto;
 import dto.ProductDto;
 import exception.BusinessException;
 import exception.ErrorCode;
@@ -25,6 +28,259 @@ public class CardDao {
 	public static CardDao getInstance() {
 		return dao;
 	}
+	
+	
+	// 하나의 카드 발급 내역 조회
+		public CardDto selectOneCardByCardId(Long cardId) {
+			Connection conn = null;
+			PreparedStatement pstmt = null;
+			ResultSet rs = null;
+			
+			Card card = null;
+			
+			try {
+				conn = dbUtil.getConnection();
+				pstmt = conn.prepareStatement (
+						"select * from card where id=?");
+				pstmt.setLong(1, cardId);
+				
+				rs = pstmt.executeQuery();
+				
+				if (rs.next()) {
+					card = Card.builder()
+							.id(rs.getLong("id"))
+							.productId(rs.getLong("product_id"))
+							.accountId(rs.getLong(""))
+							.issuedDate(rs.getString("issued_date"))
+							.cardType(rs.getString("card_type"))
+							.validity(rs.getString("validity"))
+							.agency(rs.getString("agency"))
+							.issuer(rs.getString("issuer"))
+							.isStopped(rs.getInt("is_stopped"))
+							.cardNum(rs.getString("card_num"))
+							.totalPayment(rs.getLong("total_payment"))	
+							.build();
+				}
+				
+			} catch (Exception e) {
+				e.printStackTrace();
+				System.out.println("카드 정보가 존재하지 않음.");
+			} finally {
+				try {
+					dbUtil.close(rs);
+					dbUtil.close(pstmt);
+				} catch (Exception e) {
+					e.printStackTrace();
+				}
+			}
+			
+			return new CardDto(card);
+		}
+		
+		// 정지되지 않은 모든 신용카드 발급 내역 조회
+				public ArrayList<CardDto> selectAllNonStopedCreditCard() {
+					Connection conn = null;
+					PreparedStatement pstmt = null;
+					ResultSet rs = null;
+					
+					ArrayList<CardDto> cardList = new ArrayList<>();
+					try {
+						conn = dbUtil.getConnection();
+						pstmt = conn.prepareStatement ("select * from card where is_stopped=0 and card_type like '신용%' order by id");
+						rs = pstmt.executeQuery();
+						
+						
+						
+						while (rs.next()) {
+							Card card = Card.builder()
+									.id(rs.getLong("id"))
+									.productId(rs.getLong("product_id"))
+									.accountId(rs.getLong("account_id"))
+									.issuedDate(rs.getString("issued_date"))
+									.cardType(rs.getString("card_type"))
+									.validity(rs.getString("validity"))
+									.agency(rs.getString("agency"))
+									.issuer(rs.getString("issuer"))
+									.isStopped(rs.getInt("is_stopped"))
+									.cardNum(rs.getString("card_num"))
+									.totalPayment(rs.getLong("total_payment"))	
+									.build();
+							
+							cardList.add(new CardDto(card));
+						}
+						
+					} catch (Exception e) {
+						e.printStackTrace();
+						System.out.println("카드 정보가 존재하지 않음.");
+					} finally {
+						try {
+							dbUtil.close(rs);
+							dbUtil.close(pstmt);
+							dbUtil.close(conn);
+						} catch (Exception e) {
+							e.printStackTrace();
+						}
+					}
+					
+					return cardList;
+				}
+				
+				// 카드의 현재 월 총 결제 액수 업데이트
+				public void updateTotalPaymentByCardId(Long totalPayment, Long cardId) throws SQLException{
+					Connection conn = null;
+					PreparedStatement pstmt = null;
+					int rs = 0;
+					
+					try {
+						conn = dbUtil.getConnection();
+						pstmt.getConnection().prepareStatement("update card set total_payment=? where id=?");
+						pstmt.setLong(1,totalPayment);
+						pstmt.setLong(2, cardId);
+						
+						rs = pstmt.executeUpdate();
+						
+					} catch (Exception e) {
+						e.printStackTrace();
+						System.out.println("해당 카드의 데이터가 존재하지않습니다.");
+					} finally {
+						try {
+							pstmt.close();
+							dbUtil.close(pstmt);
+						} catch (Exception e) {
+							e.printStackTrace();
+						}
+					}
+				}
+	
+	
+
+				// 카드의 정지 업데이트
+				public void updateIsStoppedByCardId(Long cardId, int isStopped) throws SQLException{
+					Connection conn = null;
+					PreparedStatement pstmt = null;
+					int rs = 0;
+					
+					try {
+						conn = dbUtil.getConnection();
+						pstmt.getConnection().prepareStatement("update card set is_stopped=? where id=?");
+						pstmt.setLong(1, isStopped);
+						pstmt.setLong(2, cardId);
+						
+						rs = pstmt.executeUpdate();
+						
+					} catch (Exception e) {
+						e.printStackTrace();
+						System.out.println("해당 카드의 데이터가 존재하지않습니다.");
+					} finally {
+						try {
+							pstmt.close();
+							dbUtil.close(pstmt);
+						} catch (Exception e) {
+							e.printStackTrace();
+						}
+					}
+				}
+	
+	
+				// 제휴관련 데이터까지 가져오는 카드정보 조회
+				public CreditCardDaoToServiceDto selectCreditCardByProductId(Long productId) {
+					Connection conn = null;
+					PreparedStatement pstmt = null;
+					Card card = null;
+					CreditCardDaoToServiceDto dto = null;
+					ResultSet rs = null;
+					  try {
+						    Class.forName("com.mysql.cj.jdbc.Driver");
+						  } catch (ClassNotFoundException e) {
+						    throw new RuntimeException("Cannot find the driver in the classpath!", e);
+						  }
+
+					try {
+						conn = dbUtil.getConnection();
+						pstmt = conn.prepareStatement(
+								"SELECT c.id,c.product_id,c.card_type,c.validity,c.agency,c.issuer,c.is_stopped,c.card_num, c.account_id,sc.discount, p.category_id FROM card c JOIN product p ON c.product_id = p.id JOIN sale_category sc ON p.category_id = sc.id WHERE c.product_id =?;");
+						pstmt.setLong(1, productId);
+
+						rs = pstmt.executeQuery();
+						if (rs.next()) {
+							card = new Card().builder()
+									.id(rs.getLong("id"))
+									.productId(rs.getLong("product_id"))
+									.cardNum(rs.getString("card_num"))
+									.cardType(rs.getString("card_type"))
+									.validity(rs.getString("validity"))
+									.agency(rs.getString("agency"))
+									.issuer(rs.getString("issuer"))
+									.isStopped(rs.getInt("is_stopped"))
+									.build();
+
+							dto = new CreditCardDaoToServiceDto(card, rs.getLong("account_id"), rs.getLong("discount"), rs.getLong("category_id"));
+
+						} else {
+							throw new BusinessException(ErrorCode.UNABLE_CARDNUM, "존재하지 않는 카드번호입니다.");
+						}
+
+					} catch (BusinessException | SQLException e) {
+						System.out.println("찾을 수 없는 카드거나 계좌입니다: " + e.getMessage());
+					}
+
+					finally {
+						try {
+							dbUtil.close(rs);
+							dbUtil.close(pstmt);
+						} catch (Exception e) {
+							e.printStackTrace();
+						}
+					}
+					return dto;
+				}
+				
+				
+				// 해당 계좌에 연결된 모든 카드 목록 조회
+				public ArrayList<CardDto> selectAllCardByAccountId(Long accountId) {
+					Connection conn = null;
+					PreparedStatement pstmt = null;
+					ResultSet rs = null;
+					
+					ArrayList<CardDto> cardList = new ArrayList<>();
+					try {
+						conn = dbUtil.getConnection();
+						pstmt = conn.prepareStatement ("select * from card where accountId=?;");
+						rs = pstmt.executeQuery();
+						
+						while (rs.next()) {
+							Card card = Card.builder()
+									.id(rs.getLong("id"))
+									.productId(rs.getLong("product_id"))
+									.accountId(rs.getLong("accpimt_id"))
+									.issuedDate(rs.getString("issued_date"))
+									.cardType(rs.getString("card_type"))
+									.validity(rs.getString("validity"))
+									.agency(rs.getString("agency"))
+									.issuer(rs.getString("issuer"))
+									.isStopped(rs.getInt("is_stopped"))
+									.cardNum(rs.getString("card_num"))
+									.totalPayment(rs.getLong("total_payment"))	
+									.build();
+									
+							cardList.add(new CardDto(card));
+						}
+							
+					} catch (Exception e) {
+						e.printStackTrace();
+						System.out.println("카드 정보가 존재하지 않음.");
+					} finally {
+						try {
+							dbUtil.close(rs);
+							dbUtil.close(pstmt);
+							dbUtil.close(conn);
+						} catch (Exception e) {
+							e.printStackTrace();
+						}
+					}
+					return cardList;
+				}
+				
 	public static ArrayList<CardHistoryResponseDto> showPayCardList() throws SQLException {
         Connection conn = null;
         PreparedStatement pstmt = null;
diff --git a/src/main/java/dao/CardHistoryDao.java b/src/main/java/dao/CardHistoryDao.java
index 17c5b755..02baaeed 100644
--- a/src/main/java/dao/CardHistoryDao.java
+++ b/src/main/java/dao/CardHistoryDao.java
@@ -17,6 +17,8 @@
 import dto.AccountDto;
 import dto.CheckCardDaoToServiceDto;
 import dto.CheckCardHistoryDto;
+import dto.CreditCardHistoryCreateDto;
+import dto.CreditCardHistoryDto;
 import dto.CardHistoryResponseDto;
 
 import exception.BusinessException;
@@ -40,17 +42,18 @@ public ArrayList<CardHistoryResponseDto> showPayCardList() throws SQLException {
             while (rs.next()) {
             	cardHistory = CardHistory.builder()
             			.id(rs.getLong("id"))
-                        .cardId(rs.getLong("card_id"))
-                        .userId(rs.getString("user_id"))
-                        .franchisee(rs.getString("franchisee"))
-                        .payment(rs.getInt("payment"))
-                        .balance(rs.getInt("balance"))
-                        .date(rs.getString("date"))
-                        .fCategory(rs.getInt("f_category"))
-                        .isIns(rs.getInt("is_ins"))
-                        .insMonth(rs.getInt("ins_month"))
-                        .cardType(rs.getString("card_type"))
-                        .build();
+						.cardId(rs.getLong("card_id"))
+						.userId(rs.getString("user_id"))
+						.franchisee(rs.getString("franchisee"))
+						.payment(rs.getLong("payment"))
+						.balance(rs.getLong("balance"))
+						.isSuccess(rs.getInt("is_success"))
+						.date(rs.getTimestamp("date").toLocalDateTime())
+						.fCategory(rs.getLong("f_category"))
+						.isIns(rs.getInt("is_ins"))
+						.insMonth(rs.getInt("ins_month"))
+						.cardType(rs.getString("card_type"))
+						.build();
                 cardPayList.add(CardHistoryResponseDto.of(cardHistory));
             }
         } catch(Exception e) {
@@ -62,6 +65,139 @@ public ArrayList<CardHistoryResponseDto> showPayCardList() throws SQLException {
     }
 	
 	
+	// 신용카드 결제내역 반환
+			public ArrayList<CreditCardHistoryDto> selectAllNonInstallmentCrditCardHistoryByCardId(Long cardId) throws SQLException {
+				ArrayList<CreditCardHistoryDto> list = new ArrayList<>();
+				
+				Connection conn = null;
+				PreparedStatement pstmt = null;
+				ResultSet rs = null;
+				
+				try {
+					conn = dbUtil.getConnection();
+					// 해당 월 명세서는 다음달로 넘어가는 자정에 생성하므로
+					// 조건에 맞는 이전달 모든 결제 목록을 가져온다.
+					pstmt = conn.prepareStatement("SELECT * FROM card_history WHERE is_success=1 and card_id=? and is_ins=0 and DATE_FORMAT(date, '%Y-%m') = CASE WHEN MONTH(CURDATE()) = 1 THEN CONCAT(YEAR(CURDATE()) - 1, '-12') ELSE DATE_FORMAT(DATE_SUB(CURDATE(), INTERVAL 1 MONTH), '%Y-%m') END;");
+					pstmt.setLong(1,cardId);
+					rs = pstmt.executeQuery();//select실행
+					
+					while (rs.next()) {
+						CardHistory creditCardHistory = CardHistory.builder()
+								.id(rs.getLong("id"))
+								.cardId(rs.getLong("card_id"))
+								.userId(rs.getString("user_id"))
+								.franchisee(rs.getString("franchisee"))
+								.payment(rs.getLong("payment"))
+								.balance(rs.getLong("balance"))
+								.isSuccess(rs.getInt("is_success"))
+								.date(rs.getTimestamp("date").toLocalDateTime())
+								.fCategory(rs.getLong("f_category"))
+								.isIns(rs.getInt("is_ins"))
+								.insMonth(rs.getInt("ins_month"))
+								.cardType(rs.getString("card_type"))
+								.build();
+						
+						
+						
+						list.add(new CreditCardHistoryDto(creditCardHistory));
+						
+					}
+				}catch (Exception e) {
+					e.printStackTrace();
+					System.out.println("카드 사용내역 데이터가 존재하지 않습니다.");
+				}finally {
+					try {
+						dbUtil.close(rs, pstmt, conn);
+					} catch (Exception e) {
+						e.printStackTrace();
+					}
+				}
+				return list;
+			}
+			
+			
+			// 신용카드 DB에 카드 결제 내역 저장
+			public void insertCreditCardHistory(CreditCardHistoryCreateDto creditCardHistoryCreateDto) throws SQLException {
+				Connection conn = null;
+				PreparedStatement pstmt = null;
+				
+				CardHistory creditCardHistory = creditCardHistoryCreateDto.toEntity();
+				
+				try {
+		        	//3. sql문 실행
+					conn = dbUtil.getConnection();
+					StringBuilder d = new StringBuilder();
+					d.append("insert into card_history (card_id, user_id, franchisee, payment, balance, is_success, date, f_category, is_ins, ins_month, card_type) \n");
+					d.append("values(?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?)");
+					pstmt = conn.prepareStatement(d.toString());
+					pstmt.setLong(1, creditCardHistory.getCardId());
+					pstmt.setString(2, creditCardHistory.getUserId());
+					pstmt.setString(3, creditCardHistory.getFranchisee());
+					pstmt.setLong(4, creditCardHistory.getPayment());
+					pstmt.setLong(5, creditCardHistory.getBalance());
+					pstmt.setInt(6, creditCardHistory.getIsSuccess());
+					pstmt.setTimestamp(7, Timestamp.valueOf(creditCardHistory.getDate()));
+					pstmt.setLong(8, creditCardHistory.getFCategory());
+					pstmt.setInt(9, creditCardHistory.getIsIns());
+					pstmt.setInt(10, creditCardHistory.getInsMonth());
+					pstmt.setString(11, creditCardHistory.getCardType());
+					
+					pstmt.executeUpdate();//insert실행
+					System.out.println("신용카드 사용내역 insert 실행");
+				} finally {
+					dbUtil.close(pstmt, conn);
+				}
+			}
+			
+			
+			// 신용카드 결제내역 반환
+			public ArrayList<CreditCardHistoryDto> selectAllCrditCardHistory() throws SQLException {
+				ArrayList<CreditCardHistoryDto> list = new ArrayList<>();
+				
+				Connection conn = null;
+				PreparedStatement pstmt = null;
+				ResultSet rs = null;
+				
+				try {
+					conn = dbUtil.getConnection();
+					pstmt = conn.prepareStatement("select * from card_history where card_type like '신용%';");
+					rs = pstmt.executeQuery();//select실행
+					
+					while(rs.next()) {
+						CardHistory creditCardHistory = CardHistory.builder()
+								.id(rs.getLong("id"))
+								.cardId(rs.getLong("card_id"))
+								.userId(rs.getString("user_id"))
+								.franchisee(rs.getString("franchisee"))
+								.payment(rs.getLong("payment"))
+								.balance(rs.getLong("balance"))
+								.isSuccess(rs.getInt("is_success"))
+								.date(rs.getTimestamp("date").toLocalDateTime())
+								.fCategory(rs.getLong("f_category"))
+								.isIns(rs.getInt("is_ins"))
+								.insMonth(rs.getInt("ins_month"))
+								.cardType(rs.getString("card_type"))
+								.build();
+						
+						
+						
+						list.add(new CreditCardHistoryDto(creditCardHistory));
+						
+					}
+				}catch (Exception e) {
+					e.printStackTrace();
+					System.out.println("데이터가 존재하지 않습니다.");
+				}finally {
+					try {
+						dbUtil.close(rs, pstmt, conn);
+					} catch (Exception e) {
+						e.printStackTrace();
+					}
+				}
+				return list;
+			}
+	
+	
 	public ArrayList<CardHistoryResponseDto> showSearchUidCardList(String keyword) throws SQLException {
         Connection conn = null;
         PreparedStatement pstmt = null;
@@ -79,17 +215,18 @@ public ArrayList<CardHistoryResponseDto> showSearchUidCardList(String keyword) t
             	
             	cardHistory = CardHistory.builder()
             			.id(rs.getLong("id"))
-                        .cardId(rs.getLong("card_id"))
-                        .userId(rs.getString("user_id"))
-                        .franchisee(rs.getString("franchisee"))
-                        .payment(rs.getInt("payment"))
-                        .balance(rs.getInt("balance"))
-                        .date(rs.getString("date"))
-                        .fCategory(rs.getInt("f_category"))
-                        .isIns(rs.getInt("is_ins"))
-                        .insMonth(rs.getInt("ins_month"))
-                        .cardType(rs.getString("card_type"))
-                        .build();
+						.cardId(rs.getLong("card_id"))
+						.userId(rs.getString("user_id"))
+						.franchisee(rs.getString("franchisee"))
+						.payment(rs.getLong("payment"))
+						.balance(rs.getLong("balance"))
+						.isSuccess(rs.getInt("is_success"))
+						.date(rs.getTimestamp("date").toLocalDateTime())
+						.fCategory(rs.getLong("f_category"))
+						.isIns(rs.getInt("is_ins"))
+						.insMonth(rs.getInt("ins_month"))
+						.cardType(rs.getString("card_type"))
+						.build();
                 searchUidCardPayList.add(CardHistoryResponseDto.of(cardHistory));
 
             }
@@ -117,17 +254,18 @@ public ArrayList<CardHistoryResponseDto> showSearchUserCardList(String userId, l
 	            while (rs.next()) {
 	            	cardHistory = CardHistory.builder()
 	            			.id(rs.getLong("id"))
-	                        .cardId(rs.getLong("card_id"))
-	                        .userId(rs.getString("user_id"))
-	                        .franchisee(rs.getString("franchisee"))
-	                        .payment(rs.getInt("payment"))
-	                        .balance(rs.getInt("balance"))
-	                        .date(rs.getString("date"))
-	                        .fCategory(rs.getInt("f_category"))
-	                        .isIns(rs.getInt("is_ins"))
-	                        .insMonth(rs.getInt("ins_month"))
-	                        .cardType(rs.getString("card_type"))
-	                        .build();
+							.cardId(rs.getLong("card_id"))
+							.userId(rs.getString("user_id"))
+							.franchisee(rs.getString("franchisee"))
+							.payment(rs.getLong("payment"))
+							.balance(rs.getLong("balance"))
+							.isSuccess(rs.getInt("is_success"))
+							.date(rs.getTimestamp("date").toLocalDateTime())
+							.fCategory(rs.getLong("f_category"))
+							.isIns(rs.getInt("is_ins"))
+							.insMonth(rs.getInt("ins_month"))
+							.cardType(rs.getString("card_type"))
+							.build();
 //	            	CardHistoryResponseDto data = new CardHistoryResponseDto();
 //	            	data.setId(rs.getLong("id"));
 //	            	data.setCardId(rs.getLong("card_id"));
@@ -170,17 +308,18 @@ public ArrayList<CardHistoryResponseDto> showSearchCardList(long keyword) throws
             while (rs.next()) {
             	cardHistory = CardHistory.builder()
             			.id(rs.getLong("id"))
-                        .cardId(rs.getLong("card_id"))
-                        .userId(rs.getString("user_id"))
-                        .franchisee(rs.getString("franchisee"))
-                        .payment(rs.getInt("payment"))
-                        .balance(rs.getInt("balance"))
-                        .date(rs.getString("date"))
-                        .fCategory(rs.getInt("f_category"))
-                        .isIns(rs.getInt("is_ins"))
-                        .insMonth(rs.getInt("ins_month"))
-                        .cardType(rs.getString("card_type"))
-                        .build();
+						.cardId(rs.getLong("card_id"))
+						.userId(rs.getString("user_id"))
+						.franchisee(rs.getString("franchisee"))
+						.payment(rs.getLong("payment"))
+						.balance(rs.getLong("balance"))
+						.isSuccess(rs.getInt("is_success"))
+						.date(rs.getTimestamp("date").toLocalDateTime())
+						.fCategory(rs.getLong("f_category"))
+						.isIns(rs.getInt("is_ins"))
+						.insMonth(rs.getInt("ins_month"))
+						.cardType(rs.getString("card_type"))
+						.build();
             	
                 searchCardPayList.add(CardHistoryResponseDto.of(cardHistory));
             }
@@ -210,17 +349,18 @@ public ArrayList<CardHistoryResponseDto> showMonthlyCardList(String option) thro
 		            while (rs.next()) {
 		            	cardHistory = CardHistory.builder()
 		            			.id(rs.getLong("id"))
-		                        .cardId(rs.getLong("card_id"))
-		                        .userId(rs.getString("user_id"))
-		                        .franchisee(rs.getString("franchisee"))
-		                        .payment(rs.getInt("payment"))
-		                        .balance(rs.getInt("balance"))
-		                        .date(rs.getString("date"))
-		                        .fCategory(rs.getInt("f_category"))
-		                        .isIns(rs.getInt("is_ins"))
-		                        .insMonth(rs.getInt("ins_month"))
-		                        .cardType(rs.getString("card_type"))
-		                        .build();
+								.cardId(rs.getLong("card_id"))
+								.userId(rs.getString("user_id"))
+								.franchisee(rs.getString("franchisee"))
+								.payment(rs.getLong("payment"))
+								.balance(rs.getLong("balance"))
+								.isSuccess(rs.getInt("is_success"))
+								.date(rs.getTimestamp("date").toLocalDateTime())
+								.fCategory(rs.getLong("f_category"))
+								.isIns(rs.getInt("is_ins"))
+								.insMonth(rs.getInt("ins_month"))
+								.cardType(rs.getString("card_type"))
+								.build();
 						monthlyCardPayList.add(CardHistoryResponseDto.of(cardHistory));
 
 		            }
diff --git a/src/main/java/dao/InstallmentDao.java b/src/main/java/dao/InstallmentDao.java
new file mode 100644
index 00000000..fe5cba60
--- /dev/null
+++ b/src/main/java/dao/InstallmentDao.java
@@ -0,0 +1,119 @@
+package dao;
+
+import java.sql.Connection;
+import java.sql.PreparedStatement;
+import java.sql.ResultSet;
+import java.sql.SQLException;
+import java.sql.Timestamp;
+import java.time.LocalDate;
+import java.util.ArrayList;
+
+import db.DBUtil;
+import domain.Installment;
+import dto.InstallmentCreateDto;
+import dto.InstallmentDto;
+import dto.InstallmentUpdateDto;
+
+public class InstallmentDao {
+	static DBUtil dbUtil = DBUtil.getInstance();
+	
+	// 할부 결제 추가
+	public void insertInstallment(InstallmentCreateDto data) throws SQLException {
+		Connection conn = null;
+		PreparedStatement pstmt = null;
+		
+		try {
+			conn = dbUtil.getConnection();
+			StringBuilder d = new StringBuilder();
+			
+			d.append(
+					"insert into installment(user_id, card_id, ins_month, remain_month, payment, is_inspayed, payment_date) \n");
+			d.append("?,?,?,?,?,?,?");
+			
+			pstmt.getConnection().prepareStatement(d.toString());
+			pstmt.setString(1,data.getUserId());
+			pstmt.setLong(2,data.getCardId());
+			pstmt.setInt(3,data.getInsMonth());
+			pstmt.setInt(4,data.getRemainMonth());
+			pstmt.setLong(5,data.getPayment());
+			pstmt.setInt(6,data.getIsInspayed());
+			pstmt.setTimestamp(7,Timestamp.valueOf(data.getPaymentDate().atStartOfDay()));
+			
+			pstmt.executeUpdate();
+			System.out.println("할부 테이블에 insert실행하였습니다.");
+		} finally {
+			dbUtil.close(pstmt,conn);
+		}
+	}
+	
+	// 할부 내역 업데이트 (매월 정기 결제일에 진행)
+	public void updateInstallment(InstallmentUpdateDto installmentUpdateDto) throws SQLException {
+		Connection conn = null;
+		PreparedStatement pstmt = null;
+		
+		try {
+			conn = dbUtil.getConnection();
+			pstmt = conn.prepareStatement("update installment set reamin_month = ?, is_inspayed=? where id=?");
+			pstmt.setInt(1, installmentUpdateDto.getRemainMonth());
+			pstmt.setInt(2, installmentUpdateDto.getIsInspayed());
+			pstmt.setLong(3, installmentUpdateDto.getId());
+			
+			pstmt.executeUpdate();
+			
+		} catch (Exception e) {
+			e.printStackTrace();
+			System.out.println("존재하지 않는 할부 내역입니다.");
+		} finally {
+			try {
+				dbUtil.close(pstmt,conn);
+			} catch (Exception e) {
+				e.printStackTrace();
+			}
+		}
+	}
+	
+	// cardId로 해당카드로 결제한 모든 할부내역 반환
+	public ArrayList<InstallmentDto> selectAllNonIsInspayedInstallmentByCardId(Long cardId) throws SQLException {
+		ArrayList<InstallmentDto> list = new ArrayList<>();
+
+		Connection conn = null;
+		PreparedStatement pstmt = null;
+		ResultSet rs = null;
+		
+		try {
+			conn = dbUtil.getConnection();
+			pstmt = conn.prepareStatement("select * from installment where id=? and remain_month >0");
+			pstmt.setLong(1, cardId);
+			rs = pstmt.executeQuery();//select실행
+			
+			while(rs.next()) {
+				Installment installment = Installment.builder()
+						.id(rs.getLong("id"))
+						.userId(rs.getString("user_id"))
+						.cardID(rs.getLong("card_id"))
+						.insMonth(rs.getInt("ins_month"))
+						.remainMonth(rs.getInt("remain_month"))
+						.payment(rs.getLong("payment"))
+						.isInspayed(rs.getInt("is_inspayed"))
+						.paymentDate(rs.getTimestamp("payment_date").toLocalDateTime().toLocalDate())
+						.build();
+				
+				list.add(new InstallmentDto(installment));
+			}
+			
+		} catch (Exception e) {
+			e.printStackTrace();
+			System.out.println("cardId :"  + cardId + " 에 해당하는 데이터가 존재하지 않습니다.");
+		} finally {
+			try {
+				dbUtil.close(rs, pstmt, conn);
+			} catch (Exception e) {
+				e.printStackTrace();
+			}	
+		}
+		
+		return list;
+	}
+	
+	
+}
\ No newline at end of file
diff --git a/src/main/java/dao/MonthlyCreditDao.java b/src/main/java/dao/MonthlyCreditDao.java
new file mode 100644
index 00000000..7f6c05e0
--- /dev/null
+++ b/src/main/java/dao/MonthlyCreditDao.java
@@ -0,0 +1,282 @@
+package dao;
+
+import java.sql.Connection;
+import java.sql.PreparedStatement;
+import java.sql.ResultSet;
+import java.sql.SQLException;
+import java.sql.Timestamp;
+import java.util.ArrayList;
+
+import dto.MonthlyCreditDto;
+import dto.MonthlyCreditUpdateDto;
+import domain.MonthlyCredit;
+import dto.MonthlyCreditCreateDto;
+import db.DBUtil;
+
+public class MonthlyCreditDao {
+
+	static DBUtil dbUtil = DBUtil.getInstance();
+	
+	public void insertMonthlyCredit(MonthlyCreditCreateDto monthlyCreditCreateDto) throws SQLException {
+		Connection conn = null;
+		PreparedStatement pstmt = null;
+		
+		MonthlyCredit monthlyCredit = monthlyCreditCreateDto.toEntity();
+		
+		try {
+        	//3. sql문 실행
+			conn = dbUtil.getConnection();
+			StringBuilder d = new StringBuilder();
+			d.append("insert into monthly_credit (user_id, card_id, discount, total, pay, is_payed, delay_days, delay_price, start_date, end_date, title) \n");
+			d.append("values(?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?)");
+			pstmt = conn.prepareStatement(d.toString());
+			pstmt.setString(1, monthlyCredit.getUserId());
+			pstmt.setLong(2, monthlyCredit.getCardId());
+			pstmt.setLong(3, monthlyCredit.getDiscount());
+			pstmt.setLong(4, monthlyCredit.getTotal());
+			pstmt.setLong(5, monthlyCredit.getPay());
+			pstmt.setInt(6, monthlyCredit.getIsPayed());
+			pstmt.setInt(7, monthlyCredit.getDelayDays());
+			pstmt.setLong(8, monthlyCredit.getDelayPrice());
+			pstmt.setTimestamp(9, Timestamp.valueOf(monthlyCredit.getStartDate().atStartOfDay()));
+			pstmt.setTimestamp(10, Timestamp.valueOf(monthlyCredit.getEndDate().atStartOfDay()));
+			pstmt.setString(11, monthlyCredit.getTitle());
+			pstmt.executeUpdate();//insert실행
+		} finally {
+			dbUtil.close(pstmt, conn);
+		}
+	}
+
+	public MonthlyCreditDto selectMonthlyCrditByMonthlyCreditId(Long monthlyCreditId) throws SQLException {
+		//ArrayList<MonthlyCreditDto> monthlyCreditList = new ArrayList<>();
+		
+		Connection conn = null;
+		PreparedStatement pstmt = null;
+		ResultSet rs = null;
+
+		MonthlyCredit monthlyCredit = null;
+		
+		try {
+			conn = dbUtil.getConnection();
+			pstmt = conn.prepareStatement("select * from monthly_credit where id=?");
+			pstmt.setLong(1,monthlyCreditId);
+			rs = pstmt.executeQuery();//select실행
+
+			if(rs.next()) {
+				monthlyCredit = MonthlyCredit.builder()
+						.id(rs.getLong("id"))
+						.userId(rs.getString("user_id"))
+						.cardId(rs.getLong("card_id"))
+						.discount(rs.getLong("discount"))
+						.total(rs.getLong("total"))
+						.pay(rs.getLong("pay"))
+						.isPayed(rs.getInt("is_payed"))
+						.delayDays(rs.getInt("delay_days"))
+						.delayPrice(rs.getLong("delay_price"))
+						.startDate(rs.getTimestamp("start_date").toLocalDateTime().toLocalDate())
+						.endDate(rs.getTimestamp("end_date").toLocalDateTime().toLocalDate())
+						.title(rs.getString("title"))
+						.build();
+			}
+		} catch (Exception e) {
+			e.printStackTrace();
+			System.out.println("존재하지않음");
+		}
+
+		finally {
+			try {
+				pstmt.close();
+				dbUtil.close(pstmt);
+			} catch (Exception e) {
+				e.printStackTrace();
+			}
+		}
+		
+		//return monthlyCreditList;
+		return new MonthlyCreditDto(monthlyCredit);
+	}
+	
+	public ArrayList<MonthlyCreditDto> selectAllMonthlyCreditByCardId(Long cardId) throws SQLException {
+		Connection conn = null;
+		PreparedStatement pstmt = null;
+		ResultSet rs = null;
+
+		MonthlyCredit monthlyCredit = null;
+		ArrayList<MonthlyCreditDto> monthlyCreditList = new ArrayList<>();
+		
+		try {
+			conn = dbUtil.getConnection();
+			pstmt = conn.prepareStatement("select * from monthly_credit where id=?");
+			pstmt.setLong(1,cardId);
+			rs = pstmt.executeQuery();//select실행
+
+			while(rs.next()) {
+				monthlyCredit = MonthlyCredit.builder()
+						.id(rs.getLong("id"))
+						.userId(rs.getString("user_id"))
+						.cardId(rs.getLong("card_id"))
+						.discount(rs.getLong("discount"))
+						.total(rs.getLong("total"))
+						.pay(rs.getLong("pay"))
+						.isPayed(rs.getInt("is_payed"))
+						.delayDays(rs.getInt("delay_days"))
+						.delayPrice(rs.getLong("delay_price"))
+						.startDate(rs.getTimestamp("start_date").toLocalDateTime().toLocalDate())
+						.endDate(rs.getTimestamp("end_date").toLocalDateTime().toLocalDate())
+						.title(rs.getString("title"))
+						.build();
+				
+				monthlyCreditList.add(new MonthlyCreditDto(monthlyCredit));
+			}
+		} catch (Exception e) {
+			e.printStackTrace();
+			System.out.println("존재하지않음");
+		}
+
+		finally {
+			try {
+				pstmt.close();
+				dbUtil.close(pstmt);
+			} catch (Exception e) {
+				e.printStackTrace();
+			}
+		}
+		
+		//return monthlyCreditList;
+		return monthlyCreditList;
+	}
+	
+	// 연체되지 않고 납부완료되지 않은 명세서 리스트 반환
+	public ArrayList<MonthlyCreditDto> selectAllNonDelayMonthlyCredit() throws SQLException {
+		Connection conn = null;
+		PreparedStatement pstmt = null;
+		ResultSet rs = null;
+
+		MonthlyCredit monthlyCredit = null;
+		ArrayList<MonthlyCreditDto> monthlyCreditList = new ArrayList<>();
+		
+		try {
+			conn = dbUtil.getConnection();
+			pstmt = conn.prepareStatement("select * from monthly_credit where delay_days = 0, is_payed=0");
+			rs = pstmt.executeQuery();//select실행
+
+			while(rs.next()) {
+				monthlyCredit = MonthlyCredit.builder()
+						.id(rs.getLong("id"))
+						.userId(rs.getString("user_id"))
+						.cardId(rs.getLong("card_id"))
+						.discount(rs.getLong("discount"))
+						.total(rs.getLong("total"))
+						.pay(rs.getLong("pay"))
+						.isPayed(rs.getInt("is_payed"))
+						.delayDays(rs.getInt("delay_days"))
+						.delayPrice(rs.getLong("delay_price"))
+						.startDate(rs.getTimestamp("start_date").toLocalDateTime().toLocalDate())
+						.endDate(rs.getTimestamp("end_date").toLocalDateTime().toLocalDate())
+						.title(rs.getString("title"))
+						.build();
+				
+				monthlyCreditList.add(new MonthlyCreditDto(monthlyCredit));
+			}
+		} catch (Exception e) {
+			e.printStackTrace();
+			System.out.println("존재하지않음");
+		}
+
+		finally {
+			try {
+				pstmt.close();
+				dbUtil.close(pstmt);
+			} catch (Exception e) {
+				e.printStackTrace();
+			}
+		}
+		
+		//return monthlyCreditList;
+		return monthlyCreditList;
+	}
+	
+	
+	// 연체되고 납부완료되지 않은 명세서 리스트 반환
+		public ArrayList<MonthlyCreditDto> selectAllDelayMonthlyCredit() throws SQLException {
+			Connection conn = null;
+			PreparedStatement pstmt = null;
+			ResultSet rs = null;
+
+			MonthlyCredit monthlyCredit = null;
+			ArrayList<MonthlyCreditDto> monthlyCreditList = new ArrayList<>();
+			
+			try {
+				conn = dbUtil.getConnection();
+				pstmt = conn.prepareStatement("select * from monthly_credit where delay_days > 0 and is_payed=0;");
+				rs = pstmt.executeQuery();//select실행
+
+				while(rs.next()) {
+					monthlyCredit = MonthlyCredit.builder()
+							.id(rs.getLong("id"))
+							.userId(rs.getString("user_id"))
+							.cardId(rs.getLong("card_id"))
+							.discount(rs.getLong("discount"))
+							.total(rs.getLong("total"))
+							.pay(rs.getLong("pay"))
+							.isPayed(rs.getInt("is_payed"))
+							.delayDays(rs.getInt("delay_days"))
+							.delayPrice(rs.getLong("delay_price"))
+							.startDate(rs.getTimestamp("start_date").toLocalDateTime().toLocalDate())
+							.endDate(rs.getTimestamp("end_date").toLocalDateTime().toLocalDate())
+							.title(rs.getString("title"))
+							.build();
+					
+					monthlyCreditList.add(new MonthlyCreditDto(monthlyCredit));
+				}
+			} catch (Exception e) {
+				e.printStackTrace();
+				System.out.println("존재하지않음");
+			}
+
+			finally {
+				try {
+					pstmt.close();
+					dbUtil.close(pstmt);
+				} catch (Exception e) {
+					e.printStackTrace();
+				}
+			}
+			
+			//return monthlyCreditList;
+			return monthlyCreditList;
+		}
+	
+	// 명세서 정산 업데이트
+	public void updateMonthlyCreditByMonthlyCreditId(MonthlyCreditUpdateDto monthlyCreditUpdateDto) throws SQLException {
+		Connection conn = null;
+		PreparedStatement pstmt = null;
+		ResultSet rs = null;
+		
+		try {
+			conn = dbUtil.getConnection();
+			pstmt = conn.prepareStatement("update monthly_credit set "
+					+ "is_payed=?, delay_days=?, delay_price=?, end_date=? where id=?");
+			pstmt.setInt(1,monthlyCreditUpdateDto.getIsPayed());
+			pstmt.setInt(1,monthlyCreditUpdateDto.getDelayDays());
+			pstmt.setLong(1,monthlyCreditUpdateDto.getDelayPrice());
+			pstmt.setTimestamp(1,Timestamp.valueOf(monthlyCreditUpdateDto.getEndDate().atStartOfDay()));
+			pstmt.setLong(1,monthlyCreditUpdateDto.getId());
+			rs = pstmt.executeQuery();//select실행
+
+			
+		} catch (Exception e) {
+			e.printStackTrace();
+			System.out.println("해당 명세서가 존재하지 않습니다.");
+		}
+
+		finally {
+			try {
+				pstmt.close();
+				dbUtil.close(pstmt);
+			} catch (Exception e) {
+				e.printStackTrace();
+			}
+		}
+	}
+}
\ No newline at end of file
diff --git a/src/main/java/dao/ProductDao.java b/src/main/java/dao/ProductDao.java
index 3a9f2ee4..c84e0ae5 100644
--- a/src/main/java/dao/ProductDao.java
+++ b/src/main/java/dao/ProductDao.java
@@ -12,6 +12,7 @@
 import domain.Account;
 import domain.Product;
 import dto.AccountDto;
+import dto.ProductDto;
 import dto.ProductRequestDto;
 import dto.ProductResponseDto;
 import exception.BusinessException;
@@ -27,6 +28,39 @@ public static ProductDao getInstance() {
 		return dao;
 	}
 
+	
+	public static ProductDto selectProductByProductId(Long productId) throws SQLException {
+		Product product=null;
+		
+		Connection conn = null;
+		PreparedStatement pstmt = null;
+		ResultSet rs = null;
+		
+		try {
+			conn = dbUtil.getConnection();
+			pstmt = conn.prepareStatement("select * from product where id=?");
+			pstmt.setLong(1,productId);
+			rs = pstmt.executeQuery();//select실행
+			
+			while(rs.next()) {
+				product = Product.builder()
+						.id(rs.getLong("id"))
+						.cardName(rs.getString("card_name"))
+						.cardType(rs.getString("card_type"))
+						.cardLimit(rs.getLong("card_limit"))
+						.categoryId(rs.getLong("category_id"))
+						.build();
+			
+			}
+		}finally {
+			dbUtil.close(rs, pstmt, conn);
+		}
+		
+		return new ProductDto(product);
+	}
+	
+	
+	
 
 	public Long selectOneProduct(final Long idx) throws SQLException{
 		Long result = null;
diff --git a/src/main/java/dao/UserDao.java b/src/main/java/dao/UserDao.java
index 2d36fe1f..fd226f8e 100644
--- a/src/main/java/dao/UserDao.java
+++ b/src/main/java/dao/UserDao.java
@@ -1,6 +1,7 @@
 package dao;
 
 import java.sql.Connection;
+
 import java.sql.PreparedStatement;
 import java.sql.ResultSet;
 import java.sql.SQLException;
@@ -9,6 +10,7 @@
 
 import db.DBUtil;
 import domain.User;
+import dto.UserDto;
 import dto.UserRequestDto;
 import dto.UserResponseDto;
 
@@ -162,4 +164,151 @@ public int checkUserBlock(String id) {
 
 		return isBlocked;
 	}
+	
+	
+	// 카드id로 카드 존재 여부 확인
+		public UserDto selectUserByUserId(Long userId) throws SQLException {
+			System.out.println("카드 존재 여부 확인 dao 진입");
+			
+			User user = null;
+				
+			Connection conn = null;
+			PreparedStatement pstmt = null;
+			ResultSet rs = null;
+				
+				
+			try {
+				conn = dbUtil.getConnection();
+				pstmt = conn.prepareStatement("select * from user where id=?;");
+				pstmt.setLong(1, userId);
+				
+				rs = pstmt.executeQuery();
+				if (rs.next()) {
+					user = User.builder()
+							.id(rs.getString("user_name"))
+							.userBirth(rs.getString("user_birth"))
+							.credit(rs.getInt("credit"))
+							.adminBlock(rs.getInt("admin_block"))
+							.delayBlock(rs.getInt("delay_block"))
+							.gender(rs.getString("gender"))
+							.build();
+					
+					
+				}
+			} catch (Exception e) {
+				e.printStackTrace();
+				System.out.println("유저가 존재하지 않습니다.");
+			}finally {
+				try {
+					dbUtil.close(rs, pstmt, conn);
+				} catch (Exception e) {
+					e.printStackTrace();
+				}
+				
+			}
+			return new UserDto(user);
+		}
+		
+		// 모든 고객 목록 반환
+		public ArrayList<UserDto> selectAllUser() throws SQLException {
+			ArrayList<UserDto> userList = new ArrayList<>();
+			
+			User user = null;
+				
+			Connection conn = null;
+			PreparedStatement pstmt = null;
+			ResultSet rs = null;
+				
+				
+			try {
+				conn = dbUtil.getConnection();
+				
+				pstmt = conn.prepareStatement("select * from user;");
+				rs = pstmt.executeQuery();
+				
+				while (rs.next()) {
+					user = User.builder()
+							.id(rs.getString("user_name"))
+							.userBirth(rs.getString("user_birth"))
+							.credit(rs.getInt("credit"))
+							.adminBlock(rs.getInt("admin_block"))
+							.delayBlock(rs.getInt("delay_block"))
+							.gender(rs.getString("gender"))
+							.build();
+					
+					userList.add(new UserDto(user));
+				}
+			} catch (Exception e) {
+				e.printStackTrace();
+				System.out.println("유저가 존재하지 않습니다.");
+			}finally {
+				try {
+					dbUtil.close(rs, pstmt, conn);
+				} catch (Exception e) {
+					e.printStackTrace();
+				}
+				
+			}
+			return userList;
+		}
+		
+		// 연체로 브랙리스트처리된 모든 고객목록 반환
+		public ArrayList<UserDto> selectAllNonBlockUser() throws SQLException {
+			ArrayList<UserDto> userList = new ArrayList<>();
+			
+			User user = null;
+				
+			Connection conn = null;
+			PreparedStatement pstmt = null;
+			ResultSet rs = null;
+				
+				
+			try {
+				conn = dbUtil.getConnection();
+				
+				pstmt = conn.prepareStatement("select * from user where delay_block=1;");
+				rs = pstmt.executeQuery();
+				
+				while (rs.next()) {
+					user = User.builder()
+							.id(rs.getString("user_name"))
+							.userBirth(rs.getString("user_birth"))
+							.credit(rs.getInt("credit"))
+							.adminBlock(rs.getInt("admin_block"))
+							.delayBlock(rs.getInt("delay_block"))
+							.gender(rs.getString("gender"))
+							.build();
+					
+					userList.add(new UserDto(user));
+				}
+			} catch (Exception e) {
+				e.printStackTrace();
+				System.out.println("유저가 존재하지 않습니다.");
+			}finally {
+				try {
+					dbUtil.close(rs, pstmt, conn);
+				} catch (Exception e) {
+					e.printStackTrace();
+				}
+				
+			}
+			return userList;
+		}
+		
+		public void updateDelayBlockUserByUserId(String userId, int delayBlock) throws SQLException {
+	        Connection conn = null;
+	        PreparedStatement pstmt = null;
+	        try {
+	            conn = dbUtil.getConnection();
+	            pstmt = conn.prepareStatement("UPDATE user SET delay_block = ? WHERE id = ?");
+	            pstmt.setInt(1, delayBlock);
+	            pstmt.setString(2, userId);
+	            pstmt.executeUpdate();
+	            
+	        } catch (Exception e) {
+	            e.printStackTrace();
+	        } finally {
+	            dbUtil.close(pstmt, conn);
+	        }
+	    }
 }
diff --git a/src/main/java/db/DBUtil.java b/src/main/java/db/DBUtil.java
index 983b3235..87d35d73 100644
--- a/src/main/java/db/DBUtil.java
+++ b/src/main/java/db/DBUtil.java
@@ -16,9 +16,9 @@ public class DBUtil {
 	String driverName = "com.mysql.cj.jdbc.Driver";
 
 	
-    private static final String DB_URL = "jdbc:mysql://cardsystemdatabase.cdvfrfzlq3nb.us-east-1.rds.amazonaws.com:3306/cardsystemdatabase";
-    private static final String DB_USERNAME = "admin";
-    private static final String DB_PASSWORD = "12341234";
+    private static final String DB_URL = "jdbc:mysql://localhost:3306/jsptest?serverTimezone=UTC";
+    private static final String DB_USERNAME = "root";
+    private static final String DB_PASSWORD = "cjswo159";
 //	  String dbName = System.getProperty("cardsystemdatabase");
 //	  String userName = System.getProperty("admin");
 //	  String password = System.getProperty("12341234");
diff --git a/src/main/java/domain/CardHistory.java b/src/main/java/domain/CardHistory.java
index 9284b820..0a6f907f 100644
--- a/src/main/java/domain/CardHistory.java
+++ b/src/main/java/domain/CardHistory.java
@@ -1,5 +1,7 @@
 package domain;
 
+import java.time.LocalDateTime;
+
 import lombok.AllArgsConstructor;
 import lombok.Builder;
 import lombok.Getter;
@@ -10,16 +12,16 @@
 @NoArgsConstructor
 @Builder
 public class CardHistory {
-	private long id;
-	private long cardId;
+	private Long id;
+	private Long cardId;
 	private String userId;
 	private String franchisee;
-	private long payment;
-	private long balance;
-	private int isSuccess;
-	private String date;
-	private long fCategory;
-	private int isIns;
+	private Long payment;
+	private Long balance;
+	private Integer isSuccess;
+	private LocalDateTime date;
+	private Long fCategory;
+	private Integer isIns;
 	private int insMonth;
 	private String cardType;
 }
diff --git a/src/main/java/domain/Installment.java b/src/main/java/domain/Installment.java
new file mode 100644
index 00000000..d8af08b8
--- /dev/null
+++ b/src/main/java/domain/Installment.java
@@ -0,0 +1,25 @@
+package domain;
+
+import java.time.LocalDate;
+
+
+import lombok.NoArgsConstructor;
+import lombok.AllArgsConstructor;
+import lombok.Builder;
+import lombok.Getter;
+
+
+@Getter
+@Builder
+@AllArgsConstructor
+@NoArgsConstructor
+public class Installment {
+	private Long id;
+	private String userId;
+	private Long cardID;
+	private int insMonth;
+	private int remainMonth;
+	private Long payment;
+	private Integer isInspayed;
+	private LocalDate paymentDate;
+}
\ No newline at end of file
diff --git a/src/main/java/domain/MonthlyCredit.java b/src/main/java/domain/MonthlyCredit.java
new file mode 100644
index 00000000..3ba55a37
--- /dev/null
+++ b/src/main/java/domain/MonthlyCredit.java
@@ -0,0 +1,31 @@
+package domain;
+
+import java.time.LocalDate;
+
+import lombok.AllArgsConstructor;
+import lombok.Builder;
+import lombok.Data;
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+import lombok.Setter;
+
+@Getter
+@Setter
+@NoArgsConstructor
+@AllArgsConstructor
+@Builder
+public class MonthlyCredit {
+	private Long id;
+	private String userId;
+	private Long cardId;
+	private Long discount;
+	private Long total;
+	private Long pay;
+	private Integer isPayed;
+	private int delayDays;
+	private Long delayPrice;
+	private LocalDate startDate;
+	private LocalDate endDate;
+	private String title;
+
+}
\ No newline at end of file
diff --git a/src/main/java/dto/AccountDto.java b/src/main/java/dto/AccountDto.java
index 843f382e..1e822756 100644
--- a/src/main/java/dto/AccountDto.java
+++ b/src/main/java/dto/AccountDto.java
@@ -16,18 +16,15 @@
 public class AccountDto {
 
 	private Long id;
+	private String userId;
 	private String accountNum;
 	private Long balance;
 	private String bankName;
 	private Integer isStopped;
 
-	public void makeBalance(Long payment) {
-		this.balance += payment;
-	}
-	
-	
 	public AccountDto(Account account) {
 		this.id = account.getId();
+		this.userId = account.getUserId();
 		this.accountNum = account.getAccountNum();
 		this.balance = account.getBalance();
 		this.bankName = account.getBankName();
diff --git a/src/main/java/dto/CardDto.java b/src/main/java/dto/CardDto.java
new file mode 100644
index 00000000..5606fe31
--- /dev/null
+++ b/src/main/java/dto/CardDto.java
@@ -0,0 +1,39 @@
+package dto;
+
+import domain.Account;
+import domain.Card;
+import lombok.Getter;
+import lombok.Setter;
+
+
+@Getter
+@Setter
+public class CardDto {
+	
+	private Long id;
+	private Long productId;
+	private Long accountId;
+	
+	private String issuedDate;
+	private String cardType;
+	private String validity;
+	private String agency;
+	private String issuer;
+	private Integer isStopped;
+	private String cardNum;
+	private Long totalPayment;
+	
+	public CardDto(Card card) {
+		this.id = card.getId();
+		this.productId = card.getProductId();
+		this.accountId = card.getAccountId();
+		this.issuedDate = card.getIssuedDate();
+		this.cardType = card.getCardType();
+		this.validity = card.getValidity();
+		this.agency = card.getValidity();
+		this.issuer = card.getIssuer();
+		this.isStopped = card.getIsStopped();
+		this.cardNum = card.getCardNum();
+		this.totalPayment = card.getTotalPayment();
+	}
+}
\ No newline at end of file
diff --git a/src/main/java/dto/CreditCardDaoToServiceDto.java b/src/main/java/dto/CreditCardDaoToServiceDto.java
new file mode 100644
index 00000000..f26bd934
--- /dev/null
+++ b/src/main/java/dto/CreditCardDaoToServiceDto.java
@@ -0,0 +1,40 @@
+package dto;
+
+
+import domain.Card;
+import lombok.Getter;
+import lombok.Setter;
+
+@Getter
+@Setter
+public class CreditCardDaoToServiceDto {
+
+	
+	private Long id;
+	private Long cardId;
+	private String cardType;
+	private String validity;
+	private String agency;
+	private String issuer;
+	private Integer isStopped;
+	private String cardNum;
+	private Long accountId;
+	private Long discount;
+	private Long categoryId;
+	
+	public CreditCardDaoToServiceDto(Card creditCard,Long accountId,Long discount, Long categoryId)
+	{
+		this.cardId=creditCard.getId();
+		this.cardType=creditCard.getCardType();
+		this.validity=creditCard.getValidity();
+		this.agency=creditCard.getAgency();
+		this.issuer=creditCard.getIssuer();
+		this.isStopped=creditCard.getIsStopped();
+		this.cardNum=creditCard.getCardNum();
+		this.accountId=accountId;
+		this.discount=discount;
+		this.categoryId = categoryId;
+	}
+	
+
+}
\ No newline at end of file
diff --git a/src/main/java/dto/CreditCardHistoryCreateDto.java b/src/main/java/dto/CreditCardHistoryCreateDto.java
new file mode 100644
index 00000000..2a5cff00
--- /dev/null
+++ b/src/main/java/dto/CreditCardHistoryCreateDto.java
@@ -0,0 +1,60 @@
+package dto;
+
+import java.time.LocalDateTime;
+
+
+import lombok.Getter;
+import lombok.Setter;
+import domain.CardHistory;
+
+@Getter
+@Setter
+public class CreditCardHistoryCreateDto {
+
+	private Long cardId;
+	private String userId;
+	private String franchisee;
+	private Long payment;
+	private Long balance;
+	private Integer isSuccess;
+	private LocalDateTime date=LocalDateTime.now();
+	private Long fCategory;
+	private Integer isIns;
+	private int insMonth;
+	private String cardType;
+	
+	public CreditCardHistoryCreateDto(Long cardId,String userId,String franchisee,Long payment,Long balance,
+			Integer isSuccess,LocalDateTime date,Long fCategory,Integer isIns,int insMonth,String cardType)
+	{
+		this.cardId=cardId;
+		this.userId=userId;
+		this.franchisee=franchisee;
+		this.payment=payment;
+		this.balance=balance;
+		this.isSuccess=isSuccess;
+		this.date=date;
+		this.fCategory=fCategory;
+		this.isIns=isIns;
+		this.insMonth=insMonth;
+		this.cardType=cardType;
+	}
+	
+	
+	public CardHistory toEntity() {
+	
+		return CardHistory.builder()
+				.id(null)
+				.cardId(this.cardId)
+				.userId(this.userId)
+				.franchisee(this.franchisee)
+				.payment(this.payment)
+				.balance(this.balance)
+				.isSuccess(this.isSuccess)
+				.date(this.date)
+				.fCategory(this.fCategory)
+				.isIns(this.isIns)
+				.insMonth(this.insMonth)
+				.cardType(this.cardType)
+				.build();
+	}
+}
\ No newline at end of file
diff --git a/src/main/java/dto/CreditCardHistoryDto.java b/src/main/java/dto/CreditCardHistoryDto.java
new file mode 100644
index 00000000..e51e194d
--- /dev/null
+++ b/src/main/java/dto/CreditCardHistoryDto.java
@@ -0,0 +1,43 @@
+package dto;
+
+import java.time.LocalDateTime;
+
+import lombok.Getter;
+import lombok.Setter;
+import domain.CardHistory;
+
+@Getter
+@Setter
+public class CreditCardHistoryDto {
+	private Long id;
+	private Long cardId;
+	private String userId;
+	private String franchisee;
+	private Long payment;
+	private Long balance;
+	private Integer isSuccess;
+	private LocalDateTime date;
+	private Long fCategory;
+	private Integer isIns;
+	private int insMonth;
+	private String cardType;
+	
+	
+	public CreditCardHistoryDto(CardHistory creditCardHistory) {
+	
+		this.id = creditCardHistory.getId();
+		this.cardId = creditCardHistory.getCardId();
+		this.userId = creditCardHistory.getUserId();
+		this.franchisee = creditCardHistory.getFranchisee();
+		this.payment = creditCardHistory.getPayment();
+		this.balance = creditCardHistory.getBalance();
+		this.isSuccess = creditCardHistory.getIsSuccess();
+		this.date = creditCardHistory.getDate();
+		this.fCategory = creditCardHistory.getFCategory();
+		this.isIns = creditCardHistory.getIsIns();
+		this.insMonth = creditCardHistory.getInsMonth();
+		this.cardType = creditCardHistory.getCardType();
+		
+		
+	}
+}
\ No newline at end of file
diff --git a/src/main/java/dto/CreditCardRequestDto.java b/src/main/java/dto/CreditCardRequestDto.java
new file mode 100644
index 00000000..56667c87
--- /dev/null
+++ b/src/main/java/dto/CreditCardRequestDto.java
@@ -0,0 +1,22 @@
+package dto;
+
+import java.time.LocalDateTime;
+
+import lombok.AllArgsConstructor;
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+import lombok.Setter;
+
+@Getter
+@Setter
+@NoArgsConstructor
+@AllArgsConstructor
+public class CreditCardRequestDto {
+	private Long cardId;
+	private String userId;
+	private String franchisee;
+	private Long payment;
+	private Long fCategory;
+	private int insMonth;
+	private LocalDateTime date;
+}
\ No newline at end of file
diff --git a/src/main/java/dto/CreditCardResponseDto.java b/src/main/java/dto/CreditCardResponseDto.java
new file mode 100644
index 00000000..1659e053
--- /dev/null
+++ b/src/main/java/dto/CreditCardResponseDto.java
@@ -0,0 +1,45 @@
+package dto;
+
+import java.time.LocalDateTime;
+
+import lombok.Getter;
+import lombok.Setter;
+
+@Getter
+@Setter
+public class CreditCardResponseDto {
+	private int statusCode;
+	private String statusMsg;
+
+	// cardHistory에서 받아오기
+	private Long cardId;
+	private String userId;
+	private String franchisee;
+	private Long payment;
+	private Long balance;
+	private Integer isSuccess;
+
+	private LocalDateTime date;
+	private Long fCategory;
+	private Integer isIns;
+	private int insMonth;
+	private String cardType;
+
+	public CreditCardResponseDto(CreditCardHistoryCreateDto history, int statusCode, String statusMsg) {
+		this.cardId = history.getCardId();
+		this.userId = history.getUserId();
+		this.franchisee = history.getFranchisee();
+		this.payment = history.getPayment();
+		this.balance = history.getBalance();
+		this.isSuccess = history.getIsSuccess();
+		this.date = history.getDate();
+		this.fCategory = history.getFCategory();
+		this.isIns = history.getIsIns();
+		this.insMonth = history.getInsMonth();
+		this.cardType = history.getCardType();
+		this.statusCode = statusCode;
+		this.statusMsg = statusMsg;
+
+	}
+
+}
\ No newline at end of file
diff --git a/src/main/java/dto/InstallmentCreateDto.java b/src/main/java/dto/InstallmentCreateDto.java
new file mode 100644
index 00000000..870e7adc
--- /dev/null
+++ b/src/main/java/dto/InstallmentCreateDto.java
@@ -0,0 +1,38 @@
+package dto;
+
+import java.time.LocalDate;
+
+import domain.Installment;
+import lombok.AllArgsConstructor;
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+import lombok.Setter;
+
+@AllArgsConstructor
+@NoArgsConstructor
+@Getter
+@Setter
+public class InstallmentCreateDto {
+	
+	String userId;
+	Long cardId;
+	int insMonth;
+	int remainMonth;
+	Long payment;
+	Integer isInspayed;
+	LocalDate paymentDate;
+	
+	
+	public Installment toEntity() {
+		return Installment.builder()
+				.userId(this.userId)
+				.cardID(this.cardId)
+				.insMonth(this.insMonth)
+				.remainMonth(this.remainMonth)
+				.payment(this.payment)
+				.isInspayed(this.isInspayed)
+				.payment(this.payment)
+				.build();
+	}
+	
+}
\ No newline at end of file
diff --git a/src/main/java/dto/InstallmentDto.java b/src/main/java/dto/InstallmentDto.java
new file mode 100644
index 00000000..801d6ace
--- /dev/null
+++ b/src/main/java/dto/InstallmentDto.java
@@ -0,0 +1,37 @@
+package dto;
+
+import java.time.LocalDate;
+
+import domain.Installment;
+import lombok.AllArgsConstructor;
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+import lombok.Setter;
+
+
+@NoArgsConstructor
+@AllArgsConstructor
+@Getter
+@Setter
+public class InstallmentDto {
+	private Long id;
+	String userId;
+	Long cardId;
+	int insMonth;
+	int remainMonth;
+	Long payment;
+	Integer isInspayed;
+	LocalDate paymentDate;
+	
+	
+	public InstallmentDto(Installment installment) {
+		this.id = installment.getId();
+		this.userId = installment.getUserId();
+		this.cardId = installment.getCardID();
+		this.insMonth = installment.getInsMonth();
+		this.remainMonth = installment.getRemainMonth();
+		this.payment = installment.getPayment();
+		this.isInspayed = installment.getIsInspayed();
+		this.paymentDate = installment.getPaymentDate();
+	}
+}
\ No newline at end of file
diff --git a/src/main/java/dto/InstallmentUpdateDto.java b/src/main/java/dto/InstallmentUpdateDto.java
new file mode 100644
index 00000000..cb51c137
--- /dev/null
+++ b/src/main/java/dto/InstallmentUpdateDto.java
@@ -0,0 +1,20 @@
+package dto;
+
+import java.time.LocalDate;
+
+import domain.Installment;
+import lombok.AllArgsConstructor;
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+import lombok.Setter;
+
+
+@NoArgsConstructor
+@AllArgsConstructor
+@Getter
+@Setter
+public class InstallmentUpdateDto {
+	Long id;
+	int remainMonth;
+	Integer isInspayed;
+}
\ No newline at end of file
diff --git a/src/main/java/dto/MonthlyCreditCreateDto.java b/src/main/java/dto/MonthlyCreditCreateDto.java
new file mode 100644
index 00000000..5bc1f858
--- /dev/null
+++ b/src/main/java/dto/MonthlyCreditCreateDto.java
@@ -0,0 +1,47 @@
+package dto;
+
+import java.time.LocalDate;
+
+import domain.MonthlyCredit;
+import lombok.AllArgsConstructor;
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+import lombok.Setter;
+
+
+@Getter
+@Setter
+@AllArgsConstructor
+@NoArgsConstructor
+public class MonthlyCreditCreateDto {
+
+	private String userId;
+	private Long cardId;
+	private Long discount;
+	private Long total;
+	private Long pay;
+	private Integer isPayed;
+	private int delayDays;
+	private Long delayPrice;
+	private LocalDate startDate;
+	private LocalDate endDate;
+	private String title;
+	
+	public MonthlyCredit toEntity() {
+		
+		return MonthlyCredit.builder()
+				.id(null)
+				.userId(this.userId)
+				.cardId(this.cardId)
+				.discount(this.discount)
+				.total(this.total)
+				.pay(this.pay)
+				.isPayed(this.isPayed)
+				.delayDays(this.delayDays)
+				.delayPrice(this.delayPrice)
+				.startDate(this.startDate)
+				.endDate(this.endDate)
+				.title(this.title)
+				.build();
+	}
+}
\ No newline at end of file
diff --git a/src/main/java/dto/MonthlyCreditDto.java b/src/main/java/dto/MonthlyCreditDto.java
new file mode 100644
index 00000000..babbf5a1
--- /dev/null
+++ b/src/main/java/dto/MonthlyCreditDto.java
@@ -0,0 +1,40 @@
+package dto;
+
+import java.time.LocalDate;
+
+import domain.MonthlyCredit;
+import lombok.Getter;
+import lombok.Setter;
+
+@Getter
+@Setter
+public class MonthlyCreditDto {
+	private Long id;
+	private String userId;
+	private Long cardId;
+	private Long discount;
+	private Long total;
+	private Long pay;
+	private Integer isPayed;
+	private int delayDays;
+	private Long delayPrice;
+	private LocalDate startDate;
+	private LocalDate endDate;
+	private String title;
+	
+	
+	public MonthlyCreditDto(MonthlyCredit entity) {
+		this.id = entity.getId();
+		this.userId = entity.getUserId();
+		this.cardId = entity.getCardId();
+		this.discount = entity.getDiscount();
+		this.total = entity.getTotal();
+		this.pay = entity.getPay();
+		this.isPayed = entity.getIsPayed();
+		this.delayDays = entity.getDelayDays();
+		this.delayPrice = entity.getDelayPrice();
+		this.startDate = entity.getStartDate();
+		this.endDate = entity.getEndDate();
+		this.title = entity.getTitle();
+	}
+}
\ No newline at end of file
diff --git a/src/main/java/dto/MonthlyCreditUpdateDto.java b/src/main/java/dto/MonthlyCreditUpdateDto.java
new file mode 100644
index 00000000..1db6c74d
--- /dev/null
+++ b/src/main/java/dto/MonthlyCreditUpdateDto.java
@@ -0,0 +1,20 @@
+package dto;
+
+import java.time.LocalDate;
+
+import lombok.AllArgsConstructor;
+import lombok.Getter;
+import lombok.Setter;
+
+@Getter
+@Setter
+@AllArgsConstructor
+public class MonthlyCreditUpdateDto{
+	
+	Long id;
+	Integer isPayed;
+	int delayDays;
+	Long delayPrice;
+	LocalDate endDate;
+	
+}
\ No newline at end of file
diff --git a/src/main/java/dto/UserDto.java b/src/main/java/dto/UserDto.java
new file mode 100644
index 00000000..8a175cc0
--- /dev/null
+++ b/src/main/java/dto/UserDto.java
@@ -0,0 +1,27 @@
+package dto;
+
+import domain.User;
+import lombok.Getter;
+import lombok.Setter;
+
+@Getter
+@Setter
+public class UserDto {
+	private String id;
+	private String userName;
+	private String userBirth;
+	private int credit;
+	private Integer adminBlock;
+	private Integer delayBlock;
+	private String gender;
+	
+	public UserDto(User user) {
+		this.id = id;
+		this.userName = userName;
+		this.userBirth = userBirth;
+		this.credit = credit;
+		this.adminBlock = adminBlock;
+		this.delayBlock = delayBlock;
+		this.gender = gender;
+	}
+}
\ No newline at end of file
diff --git a/src/main/java/service/CreditCardService.java b/src/main/java/service/CreditCardService.java
new file mode 100644
index 00000000..70b12981
--- /dev/null
+++ b/src/main/java/service/CreditCardService.java
@@ -0,0 +1,104 @@
+package service;
+
+import dao.CardDao;
+import dao.CardHistoryDao;
+import dao.InstallmentDao;
+import dao.ProductDao;
+import dto.CardDto;
+import dto.CreditCardHistoryCreateDto;
+import dto.CreditCardHistoryDto;
+import dto.CreditCardRequestDto;
+import dto.CreditCardResponseDto;
+import dto.InstallmentCreateDto;
+import dto.ProductDto;
+import exception.BusinessException;
+import lombok.AllArgsConstructor;
+
+@AllArgsConstructor
+public class CreditCardService {
+	
+
+	public final CardHistoryDao cardHistoryDao;
+	public final ProductDao productDao;
+	public final InstallmentDao installmentDao;
+	public final CardDao cardDao;
+	
+	// 신용 카드 결제 플로우
+	// 할부 로직 처리 
+	/*
+	 * 카드 정지여부 확인
+	 * 할부 개월수에 따른 각 월 한도체크 후 결제 가능여부 확인 -> 현재달만 체크하면된다. why? 이후의 달들이 현재의 달보다 많은 금액이 쌓여있을 수 없다.
+	 * 결제하여 카드사용내역에 결제내열 저장
+	 * 할부를 했다면 할부에 할부내역 저장
+	 */
+	public CreditCardResponseDto payCreditCard(CreditCardRequestDto creditCardRequestDto) throws Exception {
+		
+		CreditCardHistoryCreateDto creditCardHistoryCreateDto = null;
+		InstallmentCreateDto installmentCreateDto = null;
+		// 결제한 카드 id
+		Long cardId = creditCardRequestDto.getCardId();
+		// 카드정보 get
+		CardDto cardDto = cardDao.selectOneCardByCardId(cardId);
+		// 카드상품정보 get
+		ProductDto productDto = productDao.selectProductByProductId(cardDto.getProductId());
+		
+		// 상태코드, 상태 메시지
+		int statusCode = 0;
+		String statusMsg = null;
+		
+		// 할부 개월 수
+		int insMonth = 0;
+		// 이번달 총 결제액 + 결제금액
+		Long totalPayment = cardDto.getTotalPayment() + creditCardRequestDto.getPayment();
+		
+		
+		try {
+			
+			insMonth = creditCardRequestDto.getInsMonth();
+			
+			// 카드 정지여부 확인
+			if (cardDto.getIsStopped() == 1) {
+				throw new Exception("정지된 카드입니다.");
+			}
+			// 카드 한도 확인
+			if (totalPayment > productDto.getCardLimit()) {
+				throw new Exception("결제 금액이 한도를 초과합니다.");
+			}
+			
+			
+			// 카드 결제 내역 Dto로 정리
+			creditCardHistoryCreateDto = new CreditCardHistoryCreateDto(creditCardRequestDto.getCardId(), creditCardRequestDto.getUserId(), creditCardRequestDto.getFranchisee(),
+					creditCardRequestDto.getPayment(), null, 1, creditCardRequestDto.getDate(), creditCardRequestDto.getFCategory(), 1, 0,
+					cardDto.getCardType());
+			
+			// 카드사용내역 디비 테이블에 저장
+			cardHistoryDao.insertCreditCardHistory(creditCardHistoryCreateDto);
+			
+			// 할부 결제를 진행했을때
+			if (insMonth != 0) {
+				installmentCreateDto = new InstallmentCreateDto(creditCardRequestDto.getUserId(), creditCardRequestDto.getCardId(), creditCardRequestDto.getInsMonth(),
+						creditCardRequestDto.getInsMonth(), creditCardRequestDto.getPayment(), 0, creditCardRequestDto.getDate().toLocalDate());
+				// 할부 테이블 디비에 할부내역 저장
+				installmentDao.insertInstallment(installmentCreateDto);
+			}
+			
+			// cards 테이블의 total_payment 갱신
+			cardDao.updateTotalPaymentByCardId(totalPayment, cardId);
+			
+			statusCode = 200;
+			statusMsg = "결제성공";
+			
+		} catch (BusinessException e) {
+			System.out.println("에러발생: " + e.getMessage());
+			creditCardHistoryCreateDto = new CreditCardHistoryCreateDto(creditCardRequestDto.getCardId(), creditCardRequestDto.getUserId(), creditCardRequestDto.getFranchisee(),
+					creditCardRequestDto.getPayment(), null, 0, creditCardRequestDto.getDate(), creditCardRequestDto.getFCategory(), 1, 0,
+					cardDto.getCardType());
+			cardHistoryDao.insertCreditCardHistory(creditCardHistoryCreateDto);
+			statusCode = e.getErrorCode().getStatusCode();
+			statusMsg = e.getMessage();
+		}
+		
+		return new CreditCardResponseDto(creditCardHistoryCreateDto, statusCode, statusMsg);
+	}
+	
+}
\ No newline at end of file
diff --git a/src/main/java/service/DelayPaymentService.java b/src/main/java/service/DelayPaymentService.java
new file mode 100644
index 00000000..87bcda9d
--- /dev/null
+++ b/src/main/java/service/DelayPaymentService.java
@@ -0,0 +1,120 @@
+package service;
+
+import java.time.LocalDate;
+import java.time.LocalDateTime;
+import java.util.ArrayList;
+
+import dao.AccountDao;
+import dao.CardDao;
+import dao.CardHistoryDao;
+import dao.InstallmentDao;
+import dao.MonthlyCreditDao;
+import dao.UserDao;
+import dto.AccountDto;
+import dto.CardDto;
+import dto.InstallmentDto;
+import dto.InstallmentUpdateDto;
+import dto.MonthlyCreditDto;
+import dto.MonthlyCreditUpdateDto;
+import dto.UserDto;
+import exception.BusinessException;
+import lombok.AllArgsConstructor;
+
+@AllArgsConstructor
+public class DelayPaymentService {
+	
+	public final MonthlyCreditDao monthlyCreditDao;
+	public final AccountDao accountDao;
+	public final UserDao userDao;
+	public final CardDao cardDao;
+	public final CardHistoryDao cardHistoryDao;
+	public final InstallmentDao installmentDao;
+	
+	
+	public void DelayCalculation() throws Exception {
+		
+		System.out.println("월 명세서 작성 함수 입장!!");
+		try {
+			
+			AccountDto accountDto = null;
+			ArrayList<MonthlyCreditDto> monthlyCreditList = null;
+			ArrayList<InstallmentDto> installmentList = null;
+			ArrayList<UserDto> userList = null;
+			ArrayList<CardDto> cardList = null;
+
+			MonthlyCreditUpdateDto monthlyCreditUpdateDto = null;
+			InstallmentUpdateDto installmentUpdateDto = null;
+			
+			LocalDate date = LocalDateTime.now().toLocalDate();
+			String month = date.getMonth().toString();
+			
+			
+			// 신용카드 월별명세서 테이블에서 연체되고 완납되지 않은 데이터들을 가져온다.
+			monthlyCreditList = monthlyCreditDao.selectAllDelayMonthlyCredit();
+						
+			// 연제되고 완납되지 않은 모든 신용카드 월별명세서 정산
+			for (int i=0; i<monthlyCreditList.size(); i++) {
+				// 해당 카드의 계좌 데이터를 가져온다.
+				accountDto = accountDao.selectAccountByUserId(monthlyCreditList.get(i).getUserId());
+				// 해당 카드의 할부내역을 모두 가져온다.
+				installmentList = installmentDao.selectAllNonIsInspayedInstallmentByCardId(monthlyCreditList.get(i).getCardId());
+				// 계좌의 잔액이 월 정산할 금액 이상일경우 (완전히 정산 가능할 때)
+				if (accountDto.getBalance() >= monthlyCreditList.get(i).getPay()) {
+					// 계좌에서 월 명세서 지불 처리
+					accountDao.updateAccountByAccountId(accountDto.getId(), accountDto.getBalance() - monthlyCreditList.get(i).getPay());
+					// 해당 카드의 월 명세서에 납부 완료 처리
+					monthlyCreditUpdateDto = new MonthlyCreditUpdateDto(monthlyCreditList.get(i).getId(), 1, monthlyCreditList.get(i).getDelayDays(), 0L, date);
+					monthlyCreditDao.updateMonthlyCreditByMonthlyCreditId(monthlyCreditUpdateDto);
+					// 해당 카드의 할부 목록 업데이트
+					for(int j = 0; j<installmentList.size(); j++) {
+						int isInspayed = 0;
+						if (installmentList.get(j).getRemainMonth()-1 == 0) {
+							isInspayed = 1;
+						}
+						installmentUpdateDto = new InstallmentUpdateDto(installmentList.get(j).getId(), installmentList.get(j).getRemainMonth()-1, isInspayed);
+						installmentDao.updateInstallment(installmentUpdateDto);
+					}
+					// 해당 카드의 카드테이블 총 결제 항목 0으로 초기화
+					cardDao.updateTotalPaymentByCardId(0L, monthlyCreditList.get(i).getCardId());
+				}
+				// 정산 불가능할 경우
+				else {
+					// 해당 카드의 월 명세서 연체일수+1
+					monthlyCreditUpdateDto = new MonthlyCreditUpdateDto(monthlyCreditList.get(i).getId(), 0, monthlyCreditList.get(i).getDelayDays()+1, monthlyCreditList.get(i).getPay(), null);
+					monthlyCreditDao.updateMonthlyCreditByMonthlyCreditId(monthlyCreditUpdateDto);
+				}
+			}
+			
+			// 연체로 블랙리스트 처리된 유저목록
+			userList = userDao.selectAllNonBlockUser();
+			// 연체로 블랙리스트 처리된 유저의 모든 연체 납부 확인시 블랙리스트 해제, 카드 정지 해제
+			for (int i=0; i<userList.size(); i++) {
+				int count = 0;
+				// 해당 유저의 카드 리스트를 가져온다.
+				cardList = cardDao.selectAllCardByAccountId(accountDao.selectAccountByUserId(userList.get(i).getId()).getId());
+				
+				for (int j=0; j<cardList.size(); j++) {
+					if (cardList.get(j).getTotalPayment() != 0) {
+						count = count + 1;
+						break;
+					}
+				}
+				
+				// 모든 카드의 연체를 납부했을때
+				if (count == 0) {
+					// 유저의 연체 블랙리스트 해제
+					userDao.updateDelayBlockUserByUserId(userList.get(i).getId(), 0);
+					for (int j=0; j<cardList.size(); j++) {
+						// 해당 카드의 정지여부 -1
+						cardDao.updateIsStoppedByCardId(cardList.get(j).getId(), cardList.get(j).getIsStopped() - 1);
+					}
+				}
+			}
+			
+			
+		} catch (BusinessException e) {
+			System.out.println("에러발생: " + e.getMessage());
+		}
+		
+	}
+}
\ No newline at end of file
diff --git a/src/main/java/service/MonthlyCreditService.java b/src/main/java/service/MonthlyCreditService.java
new file mode 100644
index 00000000..a54cac79
--- /dev/null
+++ b/src/main/java/service/MonthlyCreditService.java
@@ -0,0 +1,162 @@
+package service;
+
+import java.time.LocalDate;
+import java.time.LocalDateTime;
+import java.util.ArrayList;
+
+import dao.AccountDao;
+import dao.CardDao;
+import dao.CardHistoryDao;
+import dao.InstallmentDao;
+import dao.MonthlyCreditDao;
+import dao.UserDao;
+import dto.AccountDto;
+import dto.CardDto;
+import dto.CreditCardDaoToServiceDto;
+import dto.CreditCardHistoryDto;
+import dto.InstallmentDto;
+import dto.InstallmentUpdateDto;
+import dto.MonthlyCreditCreateDto;
+import dto.MonthlyCreditDto;
+import dto.MonthlyCreditUpdateDto;
+import dto.UserDto;
+import exception.BusinessException;
+import lombok.AllArgsConstructor;
+import lombok.NoArgsConstructor;
+
+@AllArgsConstructor
+public class MonthlyCreditService {
+	
+	public final MonthlyCreditDao monthlyCreditDao;
+	public final AccountDao accountDao;
+	public final UserDao userDao;
+	public final CardDao cardDao;
+	public final CardHistoryDao cardHistoryDao;
+	public final InstallmentDao installmentDao;
+	
+	public void MonthlyCalculation() throws Exception {
+		
+		AccountDto accountDto = null;
+		AccountDto stopAccountDto = null;
+		ArrayList<CardDto> cardList = null;
+		ArrayList<MonthlyCreditDto> monthlyCreditList = null;
+		ArrayList<CreditCardHistoryDto> creditCardHistoryList = null;
+		ArrayList<InstallmentDto> installmentList = null;
+		
+
+		CreditCardDaoToServiceDto creditCardDaoToServiceDto = null;
+		MonthlyCreditCreateDto monthlyCreditCreateDto = null;
+		MonthlyCreditUpdateDto monthlyCreditUpdateDto = null;
+		InstallmentUpdateDto installmentUpdateDto = null;
+		
+		LocalDate date = LocalDateTime.now().toLocalDate();
+		String month = date.getMonth().toString();
+		
+		System.out.println("월 명세서 작성 함수 입장!!");
+		try {
+			// 정지되지 않은 신용카드 목록을 가져온다.
+			cardList = cardDao.selectAllNonStopedCreditCard();
+			
+			// 각 카드의 월별 명세서 생성하여 신용카드 월별명세서에 추가
+			for (int i=0; i<cardList.size(); i++) {
+				// 총 결제 금액 초기화
+				Long totalPay = 0L;
+				// 총 할인 금액
+				Long discount = 0L;
+				// 실제 납부할 금액
+				Long realPay = 0L;
+				// 해당 카드의 결제에 필요한 데이터를 가진 dto
+				creditCardDaoToServiceDto = cardDao.selectCreditCardByProductId(cardList.get(i).getProductId());
+
+				// 해당 카드의 할부를 진행하지 않은 카드 사용내역리스트 get
+				creditCardHistoryList = cardHistoryDao.selectAllNonInstallmentCrditCardHistoryByCardId(cardList.get(i).getId());
+				System.out.println("할부가 아닌 결제 리스트의 개수 = " + creditCardHistoryList.size());
+				System.out.println("해당 사용내역리스트의 id값 = " + creditCardHistoryList.get(0).getId());
+				// 해당 카드의 할부를 진행하지 않은 카드 사용내역 항목마다 카드의 제휴와 같다면 할인적용, 아니면 전액을 총 금액에 더한다.
+				for(int j = 0; j<creditCardHistoryList.size(); j++) {
+					Long money = creditCardHistoryList.get(j).getPayment();
+					// 결제한 가맹점과 카드의 제휴 카테고리가 일치하면
+					if (creditCardHistoryList.get(j).getFCategory() == creditCardDaoToServiceDto.getCategoryId()) {
+						// 총 할인금액 업데이트
+						discount = discount + Math.round(money * (0.01 * creditCardDaoToServiceDto.getDiscount()));
+					}
+					// 카드 총 결제금액에 할부아닌 결제금액 추가
+					totalPay = totalPay + money;
+				}
+				// 해당 카드의 납부완료되지 않은 할부리스트 get
+				installmentList = installmentDao.selectAllNonIsInspayedInstallmentByCardId(cardList.get(i).getId());
+				System.out.println("할부 리스트의 수 = " + installmentList.size());
+				// 지불할 금액에 해당 월에 정산할 할부액 추가
+				for(int j = 0; j<installmentList.size(); j++) {
+					// 할부를 모두 합한 총 결제액
+					Long delayTotalMoney = installmentList.get(j).getPayment();
+					int insMonth = installmentList.get(j).getInsMonth();
+					// 이번달 지불해야할 할부액
+					Long money = delayTotalMoney / insMonth;
+					// 남은 할부개월수
+					int remainMonth = installmentList.get(j).getRemainMonth();
+					// 남은 할부개월수 == 1 이면 남은 금액을 할부액으로 납부
+					if (remainMonth == 1) {
+						money = delayTotalMoney - ((insMonth - 1)*money);
+					}
+					// 월 지불금액에 할부액 추가
+					totalPay = totalPay + money;
+				}
+				// 실제 납부할 금액 계산
+				realPay = totalPay - discount;
+				// 신용카드 월별명세서 테이블에 데이터 추가
+				monthlyCreditCreateDto = new MonthlyCreditCreateDto(creditCardHistoryList.get(0).getUserId(), creditCardHistoryList.get(0).getCardId(), discount, totalPay, realPay, 0, 0, 0L, LocalDateTime.now().toLocalDate(), LocalDateTime.now().toLocalDate(), month+"월 명세서");
+				monthlyCreditDao.insertMonthlyCredit(monthlyCreditCreateDto);
+			}
+			
+			// 연제되지 않고 완납되지 않은 모든 신용카드 월별명세서 데이터 get
+			monthlyCreditList = monthlyCreditDao.selectAllNonDelayMonthlyCredit();
+			
+			// 연제되지 않고 완납되지 않은 모든 신용카드 월별명세서 정산
+			for (int i=0; i<monthlyCreditList.size(); i++) {
+				
+				// 해당 카드의 계좌데이터 get
+				accountDto = accountDao.selectAccountByUserId(monthlyCreditList.get(i).getUserId());
+				// 해당 카드의 완납되지 않은 할부내역을 모두 get
+				installmentList = installmentDao.selectAllNonIsInspayedInstallmentByCardId(monthlyCreditList.get(i).getCardId());
+				
+				// 계좌의 잔액이 월 정산할 금액 이상일경우 (완전히 정산 가능할 때)
+				if (accountDto.getBalance() >= monthlyCreditList.get(i).getPay()) {
+					// 계좌에서 월 명세서 지불 처리
+					accountDao.updateAccountByAccountId(accountDto.getId(), accountDto.getBalance() - monthlyCreditList.get(i).getPay());
+					// 해당 카드의 월 명세서에 납부 완료 처리
+					monthlyCreditUpdateDto = new MonthlyCreditUpdateDto(monthlyCreditList.get(i).getId(), 1, 0, 0L, date);
+					monthlyCreditDao.updateMonthlyCreditByMonthlyCreditId(monthlyCreditUpdateDto);
+					// 해당 카드의 할부 목록 업데이트
+					for(int j = 0; j<installmentList.size(); j++) {
+						int isInspayed = 0;
+						if (installmentList.get(j).getRemainMonth()-1 == 0) {
+							isInspayed = 1;
+						}
+						installmentUpdateDto = new InstallmentUpdateDto(installmentList.get(j).getId(), installmentList.get(j).getRemainMonth()-1, isInspayed);
+						installmentDao.updateInstallment(installmentUpdateDto);
+					}
+					// 해당 카드의 총 결제 0으로 초기화
+					cardDao.updateTotalPaymentByCardId(0L, monthlyCreditList.get(i).getCardId());
+				}
+				// 정산 불가능할 경우
+				else {
+					// 해당 카드의 월 명세서 연체처리
+					monthlyCreditUpdateDto = new MonthlyCreditUpdateDto(monthlyCreditList.get(i).getId(), 0, 1, monthlyCreditList.get(i).getPay(), null);
+					monthlyCreditDao.updateMonthlyCreditByMonthlyCreditId(monthlyCreditUpdateDto);
+					// 해당 유저 블랙리스트 처리
+					userDao.updateDelayBlockUserByUserId(monthlyCreditList.get(i).getUserId(), 1);
+					// 해당 유저의 계좌정보를 불러와 발급받은 카드 목록을 가져온다.
+					stopAccountDto = accountDao.selectAccountByUserId(monthlyCreditList.get(i).getUserId());
+					// 해당 유저의 모든 카드 정지처리
+					cardList = cardDao.selectAllCardByAccountId(stopAccountDto.getId());
+					for (int j = 0; j<cardList.size(); j++) {
+						cardDao.updateIsStoppedByCardId(cardList.get(j).getId(), 1);
+					}
+				}
+			}
+		} catch (BusinessException e) {
+			System.out.println("에러발생: " + e.getMessage());
+		}
+	}
+}
\ No newline at end of file
diff --git a/src/main/java/servlet/listener/Scheduler.java b/src/main/java/servlet/listener/Scheduler.java
new file mode 100644
index 00000000..870aef5a
--- /dev/null
+++ b/src/main/java/servlet/listener/Scheduler.java
@@ -0,0 +1,120 @@
+package servlet.listener;
+
+import javax.servlet.ServletContextEvent;
+import javax.servlet.ServletContextListener;
+
+import dao.AccountDao;
+import dao.CardDao;
+import dao.CardHistoryDao;
+import dao.InstallmentDao;
+import dao.MonthlyCreditDao;
+import dao.UserDao;
+import service.DelayPaymentService;
+import service.MonthlyCreditService;
+
+//import service.MonthlyCreditService;
+
+import java.util.concurrent.Executors;
+import java.util.concurrent.ScheduledExecutorService;
+import java.util.concurrent.TimeUnit;
+
+// 방법1. 월 스케줄링을 열고 연체가 발생할때마다 일 스케줄링을 생성한다.
+// 방법2. 월 스케줄링과 일 스케줄링을 서버시작과 함께 시작하도록 한다.  (이 방법으로 선택)
+
+
+public class Scheduler implements ServletContextListener {
+	// volatile 형식으로 설정하여 main memory에 저장하고 읽어오도록함.
+	private volatile ScheduledExecutorService executor;
+	private volatile ScheduledExecutorService executor2;
+	private volatile int test_num = 100;
+
+	// 애플리케이션이 시작될 때 호출되는 메서드
+	public void contextInitialized(ServletContextEvent sce) {
+		System.out.println("서버 켜지면 작동되는 메서드 입성!!!");
+		// 일정 시간 뒤 혹은 주기적으로 실행되어야 하는 작업을 위한 쓰레드 풀을 생성함
+		// ScheduledExecutorService 인터페이스를 구현한 ScheduledThreadPoolExecutor 객체가 생성됨
+		executor = Executors.newScheduledThreadPool(3);
+		executor2 = Executors.newScheduledThreadPool(3);
+		// scheduleAtFixedRate(Runnable, Delay, Period, Timeunit)
+		// runnable에 있는 코드들을 delay 이후 처음 작업실행하고
+		// period(특정시간)마다 작업을 실행시킨다.
+		System.out.println("월 스케줄러 시작!!!");
+		// 1분마다 월 명세서 정산 실행
+		executor.scheduleAtFixedRate(run1, 0, 50, TimeUnit.MINUTES);
+		System.out.println("월 스케쥴러 실행 완료!!!");
+		
+		System.out.println("연체 일정산 시작!");
+		// 10초마다 연체 일정산 실행
+		executor2.scheduleAtFixedRate(run2, 10,1,TimeUnit.SECONDS);
+		System.out.println("연체 일정산 완료!");
+	}
+
+	// 애플리케이션이 중지될 때 호출되는 메서드
+	public void contextDestroyed(ServletContextEvent sce) {
+		System.out.println("서버 꺼지면 작동되는 메서드 입성!!!");
+		final ScheduledExecutorService executor = this.executor;
+		final ScheduledExecutorService executor2 = this.executor2;
+
+		if (executor != null) {
+			executor.shutdown();
+			this.executor = null;
+		}
+		System.out.println("월 정산 스케줄러 종료!");
+		if (executor2 != null) {
+			executor2.shutdown();
+			this.executor2 = null;
+		}
+		System.out.println("연체 일 정산 스케줄러 종료!");
+	}
+
+	// 월정산스케줄->연체->먀일정산스케줄->정산완료시 매일정산스케줄 탈출
+	Runnable run1 = new Runnable() {
+		public MonthlyCreditDao monthlyCreditDao = new MonthlyCreditDao();
+		public AccountDao accountDao = new AccountDao();
+		public UserDao userDao = new UserDao();
+		public CardDao cardDao = new CardDao();
+		public CardHistoryDao cardHistoryDao = new CardHistoryDao();
+		public InstallmentDao installmentDao = new InstallmentDao();
+		public MonthlyCreditService monthlyCreditService = new MonthlyCreditService(monthlyCreditDao, accountDao, userDao, cardDao, cardHistoryDao, installmentDao);
+		
+		@Override
+		public void run() {
+			System.out.println("월명세서 런함수 입장!! ");
+			
+			try {
+				System.out.println("월명세서 런함수 try 입장!! ");
+				monthlyCreditService.MonthlyCalculation();
+				System.out.println("월명세서 런함수 try 퇴장!! ");
+			} catch (Exception e) {
+				System.out.println("월정산 스케줄링에서 에러발생: " + e.getMessage());
+				e.printStackTrace();
+			}
+			
+		}
+	};
+	
+	Runnable run2 = new Runnable() {
+		
+		public MonthlyCreditDao monthlyCreditDao = new MonthlyCreditDao();
+		public AccountDao accountDao = new AccountDao();
+		public UserDao userDao = new UserDao();
+		public CardDao cardDao = new CardDao();
+		public CardHistoryDao cardHistoryDao = new CardHistoryDao();
+		public InstallmentDao installmentDao = new InstallmentDao();
+		
+		public DelayPaymentService delayPaymentService = new DelayPaymentService(monthlyCreditDao, accountDao, userDao, cardDao, cardHistoryDao, installmentDao);
+		
+		@Override
+		public void run() {
+			
+			try {
+				System.out.println("연체 일명세서 런함수 try 입장!! ");
+				delayPaymentService.DelayCalculation();
+				System.out.println("연체 일명세서 런함수 try 입장!! ");
+			} catch (Exception e) {
+				System.out.println("연체 일정산 스케줄링에서 에러발생: " + e.getMessage());
+				e.printStackTrace();
+			}
+		}
+	};
+}
\ No newline at end of file
diff --git a/target/classes/dao/AccountDao.class b/target/classes/dao/AccountDao.class
deleted file mode 100644
index d4de9098..00000000
Binary files a/target/classes/dao/AccountDao.class and /dev/null differ
diff --git a/target/classes/dao/CardDao.class b/target/classes/dao/CardDao.class
deleted file mode 100644
index d77a2f74..00000000
Binary files a/target/classes/dao/CardDao.class and /dev/null differ
diff --git a/target/classes/dao/CardHistoryDao.class b/target/classes/dao/CardHistoryDao.class
deleted file mode 100644
index da681fb7..00000000
Binary files a/target/classes/dao/CardHistoryDao.class and /dev/null differ
diff --git a/target/classes/dao/ProductDao.class b/target/classes/dao/ProductDao.class
deleted file mode 100644
index bd798ad1..00000000
Binary files a/target/classes/dao/ProductDao.class and /dev/null differ
diff --git a/target/classes/dao/UserDao.class b/target/classes/dao/UserDao.class
deleted file mode 100644
index af604a8e..00000000
Binary files a/target/classes/dao/UserDao.class and /dev/null differ
diff --git a/target/classes/db/DBUtil.class b/target/classes/db/DBUtil.class
deleted file mode 100644
index f7e6d0d7..00000000
Binary files a/target/classes/db/DBUtil.class and /dev/null differ
diff --git a/target/classes/domain/Account$AccountBuilder.class b/target/classes/domain/Account$AccountBuilder.class
deleted file mode 100644
index 96409936..00000000
Binary files a/target/classes/domain/Account$AccountBuilder.class and /dev/null differ
diff --git a/target/classes/domain/Account.class b/target/classes/domain/Account.class
deleted file mode 100644
index a2729808..00000000
Binary files a/target/classes/domain/Account.class and /dev/null differ
diff --git a/target/classes/domain/Card$CardBuilder.class b/target/classes/domain/Card$CardBuilder.class
deleted file mode 100644
index 47698602..00000000
Binary files a/target/classes/domain/Card$CardBuilder.class and /dev/null differ
diff --git a/target/classes/domain/Card.class b/target/classes/domain/Card.class
deleted file mode 100644
index 1d46c9d3..00000000
Binary files a/target/classes/domain/Card.class and /dev/null differ
diff --git a/target/classes/domain/CheckCardHistory.class b/target/classes/domain/CheckCardHistory.class
deleted file mode 100644
index 3eacb21a..00000000
Binary files a/target/classes/domain/CheckCardHistory.class and /dev/null differ
diff --git a/target/classes/domain/Product$ProductBuilder.class b/target/classes/domain/Product$ProductBuilder.class
deleted file mode 100644
index cdb2a934..00000000
Binary files a/target/classes/domain/Product$ProductBuilder.class and /dev/null differ
diff --git a/target/classes/domain/Product.class b/target/classes/domain/Product.class
deleted file mode 100644
index c87019fe..00000000
Binary files a/target/classes/domain/Product.class and /dev/null differ
diff --git a/target/classes/domain/User$UserBuilder.class b/target/classes/domain/User$UserBuilder.class
deleted file mode 100644
index 46fbeaeb..00000000
Binary files a/target/classes/domain/User$UserBuilder.class and /dev/null differ
diff --git a/target/classes/domain/User.class b/target/classes/domain/User.class
deleted file mode 100644
index f49054ad..00000000
Binary files a/target/classes/domain/User.class and /dev/null differ
diff --git a/target/classes/dto/AccountDto$AccountDtoBuilder.class b/target/classes/dto/AccountDto$AccountDtoBuilder.class
deleted file mode 100644
index 7f764734..00000000
Binary files a/target/classes/dto/AccountDto$AccountDtoBuilder.class and /dev/null differ
diff --git a/target/classes/dto/AccountDto.class b/target/classes/dto/AccountDto.class
deleted file mode 100644
index 386d83d5..00000000
Binary files a/target/classes/dto/AccountDto.class and /dev/null differ
diff --git a/target/classes/dto/AccountRequestDto$AccountRequestDtoBuilder.class b/target/classes/dto/AccountRequestDto$AccountRequestDtoBuilder.class
deleted file mode 100644
index 483e9413..00000000
Binary files a/target/classes/dto/AccountRequestDto$AccountRequestDtoBuilder.class and /dev/null differ
diff --git a/target/classes/dto/AccountRequestDto.class b/target/classes/dto/AccountRequestDto.class
deleted file mode 100644
index afba9345..00000000
Binary files a/target/classes/dto/AccountRequestDto.class and /dev/null differ
diff --git a/target/classes/dto/AccountResponseDto$AccountResponseDtoBuilder.class b/target/classes/dto/AccountResponseDto$AccountResponseDtoBuilder.class
deleted file mode 100644
index 6c852d7d..00000000
Binary files a/target/classes/dto/AccountResponseDto$AccountResponseDtoBuilder.class and /dev/null differ
diff --git a/target/classes/dto/AccountResponseDto.class b/target/classes/dto/AccountResponseDto.class
deleted file mode 100644
index c481570a..00000000
Binary files a/target/classes/dto/AccountResponseDto.class and /dev/null differ
diff --git a/target/classes/dto/CardInsertDto.class b/target/classes/dto/CardInsertDto.class
deleted file mode 100644
index 042468fe..00000000
Binary files a/target/classes/dto/CardInsertDto.class and /dev/null differ
diff --git a/target/classes/dto/CardRequestDto.class b/target/classes/dto/CardRequestDto.class
deleted file mode 100644
index c064370a..00000000
Binary files a/target/classes/dto/CardRequestDto.class and /dev/null differ
diff --git a/target/classes/dto/CardResponseDto$CardResponseDtoBuilder.class b/target/classes/dto/CardResponseDto$CardResponseDtoBuilder.class
deleted file mode 100644
index ce4dd161..00000000
Binary files a/target/classes/dto/CardResponseDto$CardResponseDtoBuilder.class and /dev/null differ
diff --git a/target/classes/dto/CardResponseDto.class b/target/classes/dto/CardResponseDto.class
deleted file mode 100644
index 4db152b4..00000000
Binary files a/target/classes/dto/CardResponseDto.class and /dev/null differ
diff --git a/target/classes/dto/CheckCardDaoToServiceDto.class b/target/classes/dto/CheckCardDaoToServiceDto.class
deleted file mode 100644
index 664cf64a..00000000
Binary files a/target/classes/dto/CheckCardDaoToServiceDto.class and /dev/null differ
diff --git a/target/classes/dto/CheckCardHistoryDto.class b/target/classes/dto/CheckCardHistoryDto.class
deleted file mode 100644
index e4184c3d..00000000
Binary files a/target/classes/dto/CheckCardHistoryDto.class and /dev/null differ
diff --git a/target/classes/dto/CheckCardRequestDto.class b/target/classes/dto/CheckCardRequestDto.class
deleted file mode 100644
index 4562b80a..00000000
Binary files a/target/classes/dto/CheckCardRequestDto.class and /dev/null differ
diff --git a/target/classes/dto/CheckCardResponseDto.class b/target/classes/dto/CheckCardResponseDto.class
deleted file mode 100644
index 1995e62c..00000000
Binary files a/target/classes/dto/CheckCardResponseDto.class and /dev/null differ
diff --git a/target/classes/dto/ProductCreateDto$ProductCreateDtoBuilder.class b/target/classes/dto/ProductCreateDto$ProductCreateDtoBuilder.class
deleted file mode 100644
index 20ac975f..00000000
Binary files a/target/classes/dto/ProductCreateDto$ProductCreateDtoBuilder.class and /dev/null differ
diff --git a/target/classes/dto/ProductCreateDto.class b/target/classes/dto/ProductCreateDto.class
deleted file mode 100644
index 81676772..00000000
Binary files a/target/classes/dto/ProductCreateDto.class and /dev/null differ
diff --git a/target/classes/dto/ProductDto$ProductDtoBuilder.class b/target/classes/dto/ProductDto$ProductDtoBuilder.class
deleted file mode 100644
index 11d3697a..00000000
Binary files a/target/classes/dto/ProductDto$ProductDtoBuilder.class and /dev/null differ
diff --git a/target/classes/dto/ProductDto.class b/target/classes/dto/ProductDto.class
deleted file mode 100644
index fba9874b..00000000
Binary files a/target/classes/dto/ProductDto.class and /dev/null differ
diff --git a/target/classes/dto/ProductRequestDto$ProductRequestDtoBuilder.class b/target/classes/dto/ProductRequestDto$ProductRequestDtoBuilder.class
deleted file mode 100644
index 8a279c6f..00000000
Binary files a/target/classes/dto/ProductRequestDto$ProductRequestDtoBuilder.class and /dev/null differ
diff --git a/target/classes/dto/ProductRequestDto.class b/target/classes/dto/ProductRequestDto.class
deleted file mode 100644
index b45a037d..00000000
Binary files a/target/classes/dto/ProductRequestDto.class and /dev/null differ
diff --git a/target/classes/dto/ProductResponseDto$ProductResponseDtoBuilder.class b/target/classes/dto/ProductResponseDto$ProductResponseDtoBuilder.class
deleted file mode 100644
index 4015441c..00000000
Binary files a/target/classes/dto/ProductResponseDto$ProductResponseDtoBuilder.class and /dev/null differ
diff --git a/target/classes/dto/ProductResponseDto.class b/target/classes/dto/ProductResponseDto.class
deleted file mode 100644
index b1124c3b..00000000
Binary files a/target/classes/dto/ProductResponseDto.class and /dev/null differ
diff --git a/target/classes/dto/UserRequestDto$UserRequestDtoBuilder.class b/target/classes/dto/UserRequestDto$UserRequestDtoBuilder.class
deleted file mode 100644
index 4f992292..00000000
Binary files a/target/classes/dto/UserRequestDto$UserRequestDtoBuilder.class and /dev/null differ
diff --git a/target/classes/dto/UserRequestDto.class b/target/classes/dto/UserRequestDto.class
deleted file mode 100644
index cc5199e4..00000000
Binary files a/target/classes/dto/UserRequestDto.class and /dev/null differ
diff --git a/target/classes/dto/UserResponseDto$UserResponseDtoBuilder.class b/target/classes/dto/UserResponseDto$UserResponseDtoBuilder.class
deleted file mode 100644
index 8b32dd23..00000000
Binary files a/target/classes/dto/UserResponseDto$UserResponseDtoBuilder.class and /dev/null differ
diff --git a/target/classes/dto/UserResponseDto.class b/target/classes/dto/UserResponseDto.class
deleted file mode 100644
index 211c7ef3..00000000
Binary files a/target/classes/dto/UserResponseDto.class and /dev/null differ
diff --git a/target/classes/exception/BusinessException.class b/target/classes/exception/BusinessException.class
deleted file mode 100644
index 4374f088..00000000
Binary files a/target/classes/exception/BusinessException.class and /dev/null differ
diff --git a/target/classes/exception/ErrorCode.class b/target/classes/exception/ErrorCode.class
deleted file mode 100644
index 0281655c..00000000
Binary files a/target/classes/exception/ErrorCode.class and /dev/null differ
diff --git a/target/classes/redis/RedissonExam.class b/target/classes/redis/RedissonExam.class
deleted file mode 100644
index 973d7a03..00000000
Binary files a/target/classes/redis/RedissonExam.class and /dev/null differ
diff --git a/target/classes/service/AccountService.class b/target/classes/service/AccountService.class
deleted file mode 100644
index bbf11b77..00000000
Binary files a/target/classes/service/AccountService.class and /dev/null differ
diff --git a/target/classes/service/CardService.class b/target/classes/service/CardService.class
deleted file mode 100644
index d86f02d7..00000000
Binary files a/target/classes/service/CardService.class and /dev/null differ
diff --git a/target/classes/service/CheckCardService.class b/target/classes/service/CheckCardService.class
deleted file mode 100644
index 966780eb..00000000
Binary files a/target/classes/service/CheckCardService.class and /dev/null differ
diff --git a/target/classes/service/InsertCardService.class b/target/classes/service/InsertCardService.class
deleted file mode 100644
index 7cc44831..00000000
Binary files a/target/classes/service/InsertCardService.class and /dev/null differ
diff --git a/target/classes/service/ProductService.class b/target/classes/service/ProductService.class
deleted file mode 100644
index b843dd7b..00000000
Binary files a/target/classes/service/ProductService.class and /dev/null differ
diff --git a/target/classes/service/UserService.class b/target/classes/service/UserService.class
deleted file mode 100644
index a31a04e4..00000000
Binary files a/target/classes/service/UserService.class and /dev/null differ
diff --git a/target/classes/servlet/AccountServlet.class b/target/classes/servlet/AccountServlet.class
deleted file mode 100644
index 2e0d402b..00000000
Binary files a/target/classes/servlet/AccountServlet.class and /dev/null differ
diff --git a/target/classes/servlet/CardServlet.class b/target/classes/servlet/CardServlet.class
deleted file mode 100644
index 31c14b78..00000000
Binary files a/target/classes/servlet/CardServlet.class and /dev/null differ
diff --git a/target/classes/servlet/CheckCardHistoryServlet.class b/target/classes/servlet/CheckCardHistoryServlet.class
deleted file mode 100644
index 1eacb4c5..00000000
Binary files a/target/classes/servlet/CheckCardHistoryServlet.class and /dev/null differ
diff --git a/target/classes/servlet/InsertCardServlet.class b/target/classes/servlet/InsertCardServlet.class
deleted file mode 100644
index 3606ecbb..00000000
Binary files a/target/classes/servlet/InsertCardServlet.class and /dev/null differ
diff --git a/target/classes/servlet/ProductServlet.class b/target/classes/servlet/ProductServlet.class
deleted file mode 100644
index b6466315..00000000
Binary files a/target/classes/servlet/ProductServlet.class and /dev/null differ
diff --git a/target/classes/servlet/UserServlet.class b/target/classes/servlet/UserServlet.class
deleted file mode 100644
index 074c55c1..00000000
Binary files a/target/classes/servlet/UserServlet.class and /dev/null differ
diff --git a/target/m2e-wtp/web-resources/META-INF/maven/testpro/testpro/pom.properties b/target/m2e-wtp/web-resources/META-INF/maven/testpro/testpro/pom.properties
index 3a9ca7b8..f6381ff4 100644
--- a/target/m2e-wtp/web-resources/META-INF/maven/testpro/testpro/pom.properties
+++ b/target/m2e-wtp/web-resources/META-INF/maven/testpro/testpro/pom.properties
@@ -1,6 +1,6 @@
 #Generated by Maven Integration for Eclipse
-#Mon Jul 03 02:38:04 KST 2023
-m2e.projectLocation=C\:\\newoned\\Server
+#Mon Jul 03 09:32:41 KST 2023
+m2e.projectLocation=C\:\\Users\\82107\\Desktop\\\uCD5C\uC885 \uCE74\uB4DC\uD2B8\uB798\uCEE4\uD504\uB85C\uC81D\uD2B8\\Server
 m2e.projectName=Server
 groupId=testpro
 artifactId=testpro
diff --git a/webapp/WEB-INF/web.xml b/webapp/WEB-INF/web.xml
new file mode 100644
index 00000000..db35b015
--- /dev/null
+++ b/webapp/WEB-INF/web.xml
@@ -0,0 +1,15 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<web-app xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="http://xmlns.jcp.org/xml/ns/javaee" xsi:schemaLocation="http://xmlns.jcp.org/xml/ns/javaee http://xmlns.jcp.org/xml/ns/javaee/web-app_4_0.xsd" version="4.0">
+  <display-name>Server</display-name>
+  <welcome-file-list>
+    <welcome-file>index.html</welcome-file>
+    <welcome-file>index.htm</welcome-file>
+    <welcome-file>index.jsp</welcome-file>
+    <welcome-file>default.html</welcome-file>
+    <welcome-file>default.htm</welcome-file>
+    <welcome-file>default.jsp</welcome-file>
+  </welcome-file-list>
+  <listener>
+    <listener-class>servlet.listener.Scheduler</listener-class>
+  </listener>
+</web-app>
\ No newline at end of file