diff --git a/.github/pull_request_template.md b/.github/pull_request_template.md
index b111724e..1266bc27 100644
--- a/.github/pull_request_template.md
+++ b/.github/pull_request_template.md
@@ -1,15 +1,19 @@
-# 📋 연관된 이슈 번호
+## 📋 연관된 이슈 번호
 
 - close #issueNumber
 
-# 🛠 구현 사항
+## 🛠 구현 사항
 
 - 내용을 적어주세요.
 
-# 🏜 스크린샷
+## 📚 변경 사항
 
- - 동영상, 사진, 로그 등등
- - ex) 큐알 성공 이미지, 스웨거, 포스트맨 등
+- 내용을 적어주세요.
+
+## 🏜 스크린샷
+
+- 동영상, 사진, 로그 등등
+- ex) 큐알 성공 이미지, 스웨거, 포스트맨 등
 
 ## 💬 To Reviewers
 
diff --git a/.github/workflows/depoly-desktop.yml b/.github/workflows/depoly-desktop.yml
new file mode 100644
index 00000000..c64979c3
--- /dev/null
+++ b/.github/workflows/depoly-desktop.yml
@@ -0,0 +1,86 @@
+name: Build and Deploy to Local Ubuntu using Docker
+
+on:
+  push:
+    branches:
+      - dev
+
+env:
+  DOCKER_IMAGE_NAME: with-bee-dev
+  LOCAL_UBUNTU_HOST: ${{ secrets.LOCAL_UBUNTU_HOST }}
+  LOCAL_UBUNTU_SSH_USER: ubuntu
+  DOCKER_USERNAME: ${{ secrets.DOCKER_USERNAME }}
+  DOCKER_HUB: ${{ secrets.DOCKER_USERNAME }}/withbee-dev
+  SPRING_DATASOURCE_DRIVER_CLASS_NAME: com.mysql.cj.jdbc.Driver
+
+jobs:
+  build-and-push-docker:
+    runs-on: ubuntu-latest
+
+    steps:
+      - uses: actions/checkout@v4
+
+      - name: Set up JDK 17
+        uses: actions/setup-java@v4
+        with:
+          java-version: '17'
+          distribution: 'temurin'
+
+      - name: Setup Gradle
+        uses: gradle/actions/setup-gradle@af1da67850ed9a4cedd57bfd976089dd991e2582
+
+      - name: Grant execute permissions to gradlew
+        run: chmod +x ./gradlew
+
+      - name: Create necessary directories
+        run: |
+          mkdir -p ./src/main/resources
+      - name: Create application.properties
+        run: |
+          echo "${{ secrets.APPLICATION_DEV }}" > ./src/main/resources/application.properties
+      - name: Create aws.properties
+        run: |
+          echo "${{ secrets.AWS_PROPERTIES }}" > ./src/main/resources/aws.properties
+
+      - name: Build with Gradle Wrapper (without tests)
+        run: ./gradlew build -x test
+
+      - name: Build Docker image
+        run: |
+          docker build . --file Dockerfile --tag ${{ secrets.DOCKER_USERNAME }}/withbee-dev:latest
+
+      - name: Login to Docker Hub using Access Token
+        run: echo "${{ secrets.DOCKER_HUB_TOKEN }}" | docker login -u ${{ secrets.DOCKER_USERNAME }} --password-stdin
+
+      - name: Push Docker image
+        run: docker push ${{ secrets.DOCKER_USERNAME }}/withbee-dev:latest
+
+  deploy-to-ubuntu:
+    runs-on: ubuntu-latest
+    needs: build-and-push-docker
+    steps:
+      - name: Deploy to Local Ubuntu
+        uses: appleboy/ssh-action@master
+        with:
+          host: ${{ secrets.LOCAL_UBUNTU_HOST }}
+          username: ubuntu
+          key: ${{ secrets.EC2_SSH_PRIVATE_KEY }}
+          script: |
+            # Docker 로그인
+            echo "${{ secrets.DOCKER_HUB_TOKEN }}" | sudo docker login -u "${{ secrets.DOCKER_USERNAME }}" --password-stdin
+            
+            # 8080 포트를 사용하는 현재 실행 중인 컨테이너 찾기
+            CONTAINER_ID=$(sudo docker ps -q --filter "publish=8080-8080")
+            if [ ! -z "$CONTAINER_ID" ]; then
+              sudo docker stop $CONTAINER_ID
+              sudo docker rm $CONTAINER_ID
+            fi
+            
+            # 모든 종료된(exited) 컨테이너 삭제
+            sudo docker container prune -f
+            
+            # 최신 이미지 풀링
+            sudo docker pull "${{ secrets.DOCKER_USERNAME }}/withbee-dev:latest"
+            
+            # 새로운 컨테이너 실행
+            sudo docker run --name with-bee-dev -d -p 8080:8080 -e TZ=Asia/Seoul "${{ secrets.DOCKER_USERNAME }}/withbee-dev:latest"
\ No newline at end of file
diff --git a/.gitignore b/.gitignore
index 44fc9570..1c07ce58 100644
--- a/.gitignore
+++ b/.gitignore
@@ -1,6 +1,9 @@
 # Created by https://www.toptal.com/developers/gitignore/api/windows,macos,git,java,gradle,intellij,eclipse,netbeans
 # Edit at https://www.toptal.com/developers/gitignore?templates=windows,macos,git,java,gradle,intellij,eclipse,netbeans
 
+# 더미데이터 파일
+src/main/java/withbeetravel/DataLoader.java
+
 ### Eclipse ###
 .metadata
 bin/
@@ -135,7 +138,7 @@ cmake-build-*/
 *.iws
 
 # IntelliJ
-application.properties
+*.properties
 
 out/
 .idea
diff --git a/build.gradle b/build.gradle
index c94d529f..7d7c4a0b 100644
--- a/build.gradle
+++ b/build.gradle
@@ -28,14 +28,43 @@ dependencies {
 	implementation 'org.springframework.boot:spring-boot-starter-security'
 	implementation 'org.springframework.boot:spring-boot-starter-validation'
 	implementation 'org.springframework.boot:spring-boot-starter-web'
+	annotationProcessor 'org.springframework.boot:spring-boot-configuration-processor'
+	// Swagger
+	implementation 'org.springdoc:springdoc-openapi-starter-webmvc-ui:2.0.4'
+	// S3
+	implementation 'org.springframework.cloud:spring-cloud-starter-aws:2.2.6.RELEASE'
+
+	// log4jdbc
+	implementation 'org.bgee.log4jdbc-log4j2:log4jdbc-log4j2-jdbc4.1:1.16'
+
+	//JWT
+	implementation 'io.jsonwebtoken:jjwt-api:0.11.5'
+	implementation 'io.jsonwebtoken:jjwt-impl:0.11.5'
+	implementation 'io.jsonwebtoken:jjwt-jackson:0.11.5'
+
+	//validation
+	implementation group: 'jakarta.validation', name: 'jakarta.validation-api', version: '3.1.0'
+
 	compileOnly 'org.projectlombok:lombok'
 	runtimeOnly 'com.mysql:mysql-connector-j'
 	annotationProcessor 'org.projectlombok:lombok'
 	testImplementation 'org.springframework.boot:spring-boot-starter-test'
 	testImplementation 'org.springframework.security:spring-security-test'
 	testRuntimeOnly 'org.junit.platform:junit-platform-launcher'
+	// OpenAI API 호출을 위한 HTTP 클라이언트
+	implementation 'com.squareup.okhttp3:okhttp:4.9.1'
+	// JSON 처리
+	implementation 'com.fasterxml.jackson.core:jackson-databind'
+	implementation 'org.json:json:20230227'
+
+	// REST - Assured
+	testImplementation 'io.rest-assured:rest-assured:5.5.0'
+
 }
 
 tasks.named('test') {
 	useJUnitPlatform()
 }
+
+
+
diff --git a/gradlew b/gradlew
old mode 100755
new mode 100644
diff --git a/src/main/java/withbeetravel/DataLoader.java b/src/main/java/withbeetravel/DataLoader.java
new file mode 100644
index 00000000..e41462ec
--- /dev/null
+++ b/src/main/java/withbeetravel/DataLoader.java
@@ -0,0 +1,199 @@
+package withbeetravel;
+
+import lombok.RequiredArgsConstructor;
+import org.springframework.boot.CommandLineRunner;
+import org.springframework.security.crypto.bcrypt.BCrypt;
+import org.springframework.stereotype.Component;
+import withbeetravel.domain.*;
+import withbeetravel.repository.*;
+
+import static withbeetravel.domain.RoleType.ADMIN;
+import static withbeetravel.domain.RoleType.USER;
+
+//@Component
+@RequiredArgsConstructor
+public class DataLoader implements CommandLineRunner {
+
+    private final UserRepository userRepository;
+    private final AccountRepository accountRepository;
+
+    @Override
+    public void run(String... args) throws Exception {
+        // User 더미 데이터 생성
+        User user1 = User.builder()
+                .email("admin@admin")
+                .password(BCrypt.hashpw("password123!", BCrypt.gensalt()))
+                .pinNumber("123456")
+                .name("관리자")
+                .roleType(ADMIN)
+                .pinLocked(false)
+                .failedPinCount(0)
+                .profileImage(1)
+                .build();
+
+        User user2 = User.builder()
+                .email("1@naver.com")
+                .password(BCrypt.hashpw("password123!", BCrypt.gensalt()))
+                .pinNumber("123456")
+                .name("공소연")
+                .roleType(USER)
+                .pinLocked(false)
+                .failedPinCount(0)
+                .profileImage(1)
+                .build();
+
+        User user3 = User.builder()
+                .email("2@naver.com")
+                .password(BCrypt.hashpw("password123!", BCrypt.gensalt()))
+                .pinNumber("123456")
+                .name("공예진")
+                .roleType(USER)
+                .pinLocked(false)
+                .failedPinCount(0)
+                .profileImage(2)
+                .build();
+
+        User user4 = User.builder()
+                .email("3@naver.com")
+                .password(BCrypt.hashpw("password123!", BCrypt.gensalt()))
+                .pinNumber("123456")
+                .name("김호철")
+                .roleType(USER)
+                .pinLocked(false)
+                .failedPinCount(0)
+                .profileImage(3)
+                .build();
+
+        User user5 = User.builder()
+                .email("4@naver.com")
+                .password(BCrypt.hashpw("password123!", BCrypt.gensalt()))
+                .pinNumber("123456")
+                .name("이도이")
+                .roleType(USER)
+                .pinLocked(false)
+                .failedPinCount(0)
+                .profileImage(4)
+                .build();
+
+        User user6 = User.builder()
+                .email("5@naver.com")
+                .password(BCrypt.hashpw("password123!", BCrypt.gensalt()))
+                .pinNumber("123456")
+                .name("유승아")
+                .roleType(USER)
+                .pinLocked(false)
+                .failedPinCount(0)
+                .profileImage(5)
+                .build();
+
+        userRepository.save(user1);
+        userRepository.save(user2);
+        userRepository.save(user3);
+        userRepository.save(user4);
+        userRepository.save(user5);
+        userRepository.save(user6);
+
+        // Account 더미 데이터 생성
+        Account account1 = Account.builder()
+                .user(user1)
+                .accountNumber("1483920493821")
+                .balance(100000000)
+                .product(Product.WON통장)
+                .isConnectedWibeeCard(true)
+                .build();
+//
+//        Account account2 = Account.builder()
+//                .user(user2)
+//                .accountNumber("1111111111111")
+//                .balance(300000)
+//                .product(Product.WON통장)
+//                .isConnectedWibeeCard(true)
+//                .build();
+//
+//        Account account3 = Account.builder()
+//                .user(user3)
+//                .accountNumber("2222222222222")
+//                .balance(400000)
+//                .product(Product.WON통장)
+//                .isConnectedWibeeCard(true)
+//                .build();
+//
+//        Account account4 = Account.builder()
+//                .user(user4)
+//                .accountNumber("3333333333333")
+//                .balance(500000)
+//                .product(Product.우리닷컴통장)
+//                .isConnectedWibeeCard(true)
+//                .build();
+//
+//        Account account5 = Account.builder()
+//                .user(user3)
+//                .accountNumber("4444444444444")
+//                .balance(600000)
+//                .product(Product.우리닷컴통장)
+//                .isConnectedWibeeCard(false)
+//                .build();
+//
+//        Account account6 = Account.builder()
+//                .user(user4)
+//                .accountNumber("5555555555555")
+//                .balance(700000)
+//                .product(Product.우리아이행복통장)
+//                .isConnectedWibeeCard(false)
+//                .build();
+//
+//        Account account7 = Account.builder()
+//                .user(user5)
+//                .accountNumber("6666666666666")
+//                .balance(800000)
+//                .product(Product.으쓱통장)
+//                .isConnectedWibeeCard(true)
+//                .build();
+//
+//        Account account8 = Account.builder()
+//                .user(user5)
+//                .accountNumber("7777777777777")
+//                .balance(900000)
+//                .product(Product.WON통장)
+//                .isConnectedWibeeCard(false)
+//                .build();
+//
+//        Account account9 = Account.builder()
+//                .user(user6)
+//                .accountNumber("8888888888888")
+//                .balance(850000)
+//                .product(Product.WON통장)
+//                .isConnectedWibeeCard(false)
+//                .build();
+
+        accountRepository.save(account1);
+//        accountRepository.save(account2);
+//        accountRepository.save(account3);
+//        accountRepository.save(account4);
+//        accountRepository.save(account5);
+//        accountRepository.save(account6);
+//        accountRepository.save(account7);
+//        accountRepository.save(account8);
+//        accountRepository.save(account9);
+
+        // 연결된 계좌 업데이트 (연결 계좌 설정)
+        user1.updateConnectedAccount(account1);
+        user1.updateWibeeCardAccount(account1);
+//        user2.updateConnectedAccount(account2);
+//        user2.updateWibeeCardAccount(account2);
+//        user3.updateConnectedAccount(account3);
+//        user3.updateWibeeCardAccount(account3);
+//        user4.updateConnectedAccount(account4);
+//        user4.updateWibeeCardAccount(account4);
+//        user5.updateConnectedAccount(account7);
+//        user5.updateWibeeCardAccount(account7);
+//        user6.updateConnectedAccount(account9);
+
+        userRepository.save(user1);
+//        userRepository.save(user2);
+//        userRepository.save(user3);
+//        userRepository.save(user4);
+//        userRepository.save(user5);
+//        userRepository.save(user6);
+    }
+}
\ No newline at end of file
diff --git a/src/main/java/withbeetravel/WithbeetravelApplication.java b/src/main/java/withbeetravel/WithbeetravelApplication.java
index 8a9b08d8..88933022 100644
--- a/src/main/java/withbeetravel/WithbeetravelApplication.java
+++ b/src/main/java/withbeetravel/WithbeetravelApplication.java
@@ -2,12 +2,12 @@
 
 import org.springframework.boot.SpringApplication;
 import org.springframework.boot.autoconfigure.SpringBootApplication;
+import org.springframework.scheduling.annotation.EnableScheduling;
 
 @SpringBootApplication
+@EnableScheduling
 public class WithbeetravelApplication {
 
-	public static void main(String[] args) {
-		SpringApplication.run(WithbeetravelApplication.class, args);
-	}
+	public static void main(String[] args) {SpringApplication.run(WithbeetravelApplication.class, args);}
 
 }
diff --git a/src/main/java/withbeetravel/aspect/BankingAccessAspect.java b/src/main/java/withbeetravel/aspect/BankingAccessAspect.java
new file mode 100644
index 00000000..6d13f1ae
--- /dev/null
+++ b/src/main/java/withbeetravel/aspect/BankingAccessAspect.java
@@ -0,0 +1,57 @@
+package withbeetravel.aspect;
+
+import lombok.RequiredArgsConstructor;
+import org.aspectj.lang.JoinPoint;
+import org.aspectj.lang.annotation.Aspect;
+import org.aspectj.lang.annotation.Before;
+import org.aspectj.lang.reflect.MethodSignature;
+import org.springframework.stereotype.Component;
+import withbeetravel.domain.Account;
+import withbeetravel.domain.User;
+import withbeetravel.exception.CustomException;
+import withbeetravel.exception.error.BankingErrorCode;
+import withbeetravel.repository.AccountRepository;
+import withbeetravel.security.UserAuthorizationUtil;
+
+@Aspect
+@Component
+@RequiredArgsConstructor
+public class BankingAccessAspect {
+    private final AccountRepository accountRepository;
+
+    // 현재 로그인 된 userId
+
+    @Before("@annotation(checkBankingAccess)") // @CheckBankingAccess 애노테이션이 붙은 메소드 실행 전에 실행
+    public void checkAccess(JoinPoint joinPoint, CheckBankingAccess checkBankingAccess) {
+
+        Long userId = UserAuthorizationUtil.getLoginUserId();
+
+        // @CheckBankingAccess를 붙인 메소드의 파라미터에서 accountId 추출
+        Long accountId = getAccountIdFromArgs(joinPoint, checkBankingAccess.accountIdParam());
+
+        // accountId에 해당하는 계좌가 존재하는지 확인
+        Account account = accountRepository.findById(accountId)
+                .orElseThrow(() -> new CustomException(BankingErrorCode.ACCOUNT_NOT_FOUND));
+
+        // 권한 검사: 로그인된 사용자와 계좌 소유자가 일치하는지 확인
+        Long accountUserId = account.getUser().getId();  // Account 객체에 User 정보가 포함되어 있다고 가정
+        if (!userId.equals(accountUserId)) {
+            throw new CustomException(BankingErrorCode.HISTORY_ACCESS_FORBIDDEN);
+        }
+    }
+
+    private Long getAccountIdFromArgs(JoinPoint joinPoint, String accountIdParam) {
+        // 메소드 파라미터와 이름을 매핑하여 accountId를 찾아 반환
+        String[] paramNames = ((MethodSignature) joinPoint.getSignature()).getParameterNames();
+        Object[] args = joinPoint.getArgs();
+
+        for (int i = 0; i < paramNames.length; i++) {
+            if (paramNames[i].equals(accountIdParam) && args[i] instanceof Long) {
+                return (Long) args[i];
+            }
+        }
+
+        // @CheckBankingAccess를 붙인 메서드에서 "accountId"라는 파라미터를 찾지 못한 경우
+        throw new IllegalArgumentException("accountId 파라미터를 찾을 수 없습니다.");
+    }
+}
diff --git a/src/main/java/withbeetravel/aspect/CheckBankingAccess.java b/src/main/java/withbeetravel/aspect/CheckBankingAccess.java
new file mode 100644
index 00000000..642ee110
--- /dev/null
+++ b/src/main/java/withbeetravel/aspect/CheckBankingAccess.java
@@ -0,0 +1,13 @@
+package withbeetravel.aspect;
+
+import java.lang.annotation.ElementType;
+import java.lang.annotation.Retention;
+import java.lang.annotation.RetentionPolicy;
+import java.lang.annotation.Target;
+
+@Target(ElementType.METHOD) // 메소드단에서 사용
+@Retention(RetentionPolicy.RUNTIME) // 런타임 시점에 유지
+public @interface CheckBankingAccess {
+
+    String accountIdParam() default "accountId";
+}
diff --git a/src/main/java/withbeetravel/aspect/CheckTravelAccess.java b/src/main/java/withbeetravel/aspect/CheckTravelAccess.java
new file mode 100644
index 00000000..fd5ac6af
--- /dev/null
+++ b/src/main/java/withbeetravel/aspect/CheckTravelAccess.java
@@ -0,0 +1,18 @@
+package withbeetravel.aspect;
+
+import java.lang.annotation.ElementType;
+import java.lang.annotation.Retention;
+import java.lang.annotation.RetentionPolicy;
+import java.lang.annotation.Target;
+
+/**
+ * Travel에 대한 권한 검사를 적용할 메소드에 사용
+ */
+
+@Target(ElementType.METHOD) // 메소드단에서 사용
+@Retention(RetentionPolicy.RUNTIME) // 런타임 시점에 유지
+public @interface CheckTravelAccess {
+
+    // 해당 애노테이션을 사용한 메소드에서 가져올 파라미터 이름
+    String travelIdParam() default "travelId";
+}
\ No newline at end of file
diff --git a/src/main/java/withbeetravel/aspect/CheckTravelAndSharedPaymentAccess.java b/src/main/java/withbeetravel/aspect/CheckTravelAndSharedPaymentAccess.java
new file mode 100644
index 00000000..1e2d5bc5
--- /dev/null
+++ b/src/main/java/withbeetravel/aspect/CheckTravelAndSharedPaymentAccess.java
@@ -0,0 +1,19 @@
+package withbeetravel.aspect;
+
+import java.lang.annotation.ElementType;
+import java.lang.annotation.Retention;
+import java.lang.annotation.RetentionPolicy;
+import java.lang.annotation.Target;
+
+/**
+ * Travel과 shared payment에 대한 권한 검사를 적용할 메소드에 사용
+ */
+
+@Target(ElementType.METHOD) // 메소드단에서 사용
+@Retention(RetentionPolicy.RUNTIME) // 런타임 시점에 유지
+public @interface CheckTravelAndSharedPaymentAccess {
+
+    // 해당 애노테이션을 사용한 메소드에서 가져올 파라미터 이름
+    String travelIdParam() default "travelId";
+    String sharedPaymentIdParam() default "sharedPaymentId";
+}
\ No newline at end of file
diff --git a/src/main/java/withbeetravel/aspect/PaymentValidation.java b/src/main/java/withbeetravel/aspect/PaymentValidation.java
new file mode 100644
index 00000000..39658524
--- /dev/null
+++ b/src/main/java/withbeetravel/aspect/PaymentValidation.java
@@ -0,0 +1,10 @@
+package withbeetravel.aspect;
+
+import java.lang.annotation.ElementType;
+import java.lang.annotation.Retention;
+import java.lang.annotation.RetentionPolicy;
+import java.lang.annotation.Target;
+
+@Target(ElementType.METHOD)
+@Retention(RetentionPolicy.RUNTIME)
+public @interface PaymentValidation {}
\ No newline at end of file
diff --git a/src/main/java/withbeetravel/aspect/PaymentValidationAspect.java b/src/main/java/withbeetravel/aspect/PaymentValidationAspect.java
new file mode 100644
index 00000000..ca27c3d9
--- /dev/null
+++ b/src/main/java/withbeetravel/aspect/PaymentValidationAspect.java
@@ -0,0 +1,34 @@
+package withbeetravel.aspect;
+
+import lombok.RequiredArgsConstructor;
+import org.aspectj.lang.JoinPoint;
+import org.aspectj.lang.annotation.Aspect;
+import org.aspectj.lang.annotation.Before;
+import org.springframework.stereotype.Component;
+import withbeetravel.dto.request.payment.SharedPaymentSearchRequest;
+import withbeetravel.exception.CustomException;
+import withbeetravel.exception.error.ValidationErrorCode;
+
+import java.time.LocalDate;
+
+@Aspect
+@Component
+@RequiredArgsConstructor
+public class PaymentValidationAspect {
+
+    @Before("@annotation(paymentValidation)")
+    public void validatePaymentRequest(JoinPoint joinPoint, PaymentValidation paymentValidation) {
+        Object[] args = joinPoint.getArgs();
+        for (Object arg : args) {
+            if (arg instanceof SharedPaymentSearchRequest request) {
+                validateDateRange(request.getStartDate(), request.getEndDate());
+            }
+        }
+    }
+
+    private void validateDateRange(LocalDate startDate, LocalDate endDate) {
+        if (startDate != null && endDate != null && startDate.isAfter(endDate)) {
+            throw new CustomException(ValidationErrorCode.DATE_RANGE_ERROR);
+        }
+    }
+}
\ No newline at end of file
diff --git a/src/main/java/withbeetravel/aspect/TravelAccessAspect.java b/src/main/java/withbeetravel/aspect/TravelAccessAspect.java
new file mode 100644
index 00000000..10a34f02
--- /dev/null
+++ b/src/main/java/withbeetravel/aspect/TravelAccessAspect.java
@@ -0,0 +1,59 @@
+package withbeetravel.aspect;
+
+import lombok.RequiredArgsConstructor;
+import org.aspectj.lang.JoinPoint;
+import org.aspectj.lang.annotation.Aspect;
+import org.aspectj.lang.annotation.Before;
+import org.aspectj.lang.reflect.MethodSignature;
+import org.springframework.stereotype.Component;
+import withbeetravel.exception.CustomException;
+import withbeetravel.exception.error.TravelErrorCode;
+import withbeetravel.repository.TravelMemberRepository;
+import withbeetravel.repository.TravelRepository;
+import withbeetravel.security.UserAuthorizationUtil;
+
+/**
+ * 메소드 실행 전 Travel에 대한 권한 검증
+ */
+
+@Aspect
+@Component
+@RequiredArgsConstructor
+public class TravelAccessAspect {
+
+    private final TravelRepository travelRepository;
+    private final TravelMemberRepository travelMemberRepository;
+
+    @Before("@annotation(checkTravelAccess)") // @CheckTravelAccess가 붙은 메소드 실행 전에 실행
+    public void checkAccess(JoinPoint joinPoint, CheckTravelAccess checkTravelAccess) {
+
+        Long userId = UserAuthorizationUtil.getLoginUserId();
+
+        // @CheckTravelAccess를 붙인 메소드의 파라미터에서 travelId 추출
+        Long travelId = getTravelIdFromArgs(joinPoint, checkTravelAccess.travelIdParam());
+
+        // travelId에 해당하는 travel이 있는지 확인(없다면 예외 던지기)
+        travelRepository.findById(travelId)
+                .orElseThrow(() -> new CustomException(TravelErrorCode.TRAVEL_NOT_FOUND));
+
+        // 권한 검사
+        travelMemberRepository.findByTravelIdAndUserId(travelId, userId)
+                .orElseThrow(() -> new CustomException(TravelErrorCode.TRAVEL_ACCESS_FORBIDDEN));
+    }
+
+    private Long getTravelIdFromArgs(JoinPoint joinPoint, String travelIdParam) {
+
+        // 메소드 파라미터와 이름을 매핑하여 travelId를 찾아 반환
+        String[] paramNames = ((MethodSignature)joinPoint.getSignature()).getParameterNames();
+        Object[] args = joinPoint.getArgs();
+
+        for (int i = 0; i < paramNames.length; i++) {
+            if(paramNames[i].equals(travelIdParam) && args[i] instanceof Long) {
+                return (Long) args[i];
+            }
+        }
+
+        // @CheckTravelAccess를 붙인 메서드에서 "travelId"라는 파라미터를 찾지 못한 경우
+        throw new IllegalArgumentException("travelId 파라미터를 찾을 수 없습니다.");
+    }
+}
\ No newline at end of file
diff --git a/src/main/java/withbeetravel/aspect/TravelAndSharedPaymentAccessAspect.java b/src/main/java/withbeetravel/aspect/TravelAndSharedPaymentAccessAspect.java
new file mode 100644
index 00000000..27eacf54
--- /dev/null
+++ b/src/main/java/withbeetravel/aspect/TravelAndSharedPaymentAccessAspect.java
@@ -0,0 +1,75 @@
+package withbeetravel.aspect;
+
+import lombok.RequiredArgsConstructor;
+import org.aspectj.lang.JoinPoint;
+import org.aspectj.lang.annotation.Aspect;
+import org.aspectj.lang.annotation.Before;
+import org.aspectj.lang.reflect.MethodSignature;
+import org.springframework.stereotype.Component;
+import withbeetravel.exception.CustomException;
+import withbeetravel.exception.error.PaymentErrorCode;
+import withbeetravel.exception.error.TravelErrorCode;
+import withbeetravel.repository.SharedPaymentRepository;
+import withbeetravel.repository.TravelMemberRepository;
+import withbeetravel.repository.TravelRepository;
+import withbeetravel.security.UserAuthorizationUtil;
+
+/**
+ * 메소드 실행 전 Travel과 Shared payment에 대한 권한 검증
+ */
+
+@Aspect
+@Component
+@RequiredArgsConstructor
+public class TravelAndSharedPaymentAccessAspect {
+
+    private final TravelRepository travelRepository;
+    private final TravelMemberRepository travelMemberRepository;
+    private final SharedPaymentRepository sharedPaymentRepository;
+
+    // @CheckTravelAndSharedPaymentAccess 붙은 메소드 실행 전에 실행
+    @Before("@annotation(access)")
+    public void checkAccess(JoinPoint joinPoint, CheckTravelAndSharedPaymentAccess access) {
+
+        Long userId = UserAuthorizationUtil.getLoginUserId();
+
+        // @CheckTravelAndSharedPaymentAccess 붙인 메소드의 파라미터에서 travelId 추출
+        Long travelId = getIdFromArgs(joinPoint, access.travelIdParam());
+
+        // travelId에 해당하는 travel이 있는지 확인(없다면 예외 던지기)
+        travelRepository.findById(travelId)
+                .orElseThrow(() -> new CustomException(TravelErrorCode.TRAVEL_NOT_FOUND));
+
+        // 권한 검사
+        travelMemberRepository.findByTravelIdAndUserId(travelId, userId)
+                .orElseThrow(() -> new CustomException(TravelErrorCode.TRAVEL_ACCESS_FORBIDDEN));
+
+        // @CheckTravelAndSharedPaymentAccess 붙인 메소드의 파라미터에서 sharedPaymentId 추출
+        Long sharedPaymentId = getIdFromArgs(joinPoint, access.sharedPaymentIdParam());
+
+        // sharedPaymentId에 해당하는 shared payment가 있는지 확인(없다면 예외 던지기)
+        sharedPaymentRepository.findById(sharedPaymentId)
+                .orElseThrow(() -> new CustomException(PaymentErrorCode.SHARED_PAYMENT_NOT_FOUND));
+
+        // 권한 검사
+        sharedPaymentRepository.findByIdAndTravelId(sharedPaymentId, travelId)
+                .orElseThrow(() -> new CustomException(PaymentErrorCode.SHARED_PAYMENT_ACCESS_FORBIDDEN));
+    }
+
+    private Long getIdFromArgs(JoinPoint joinPoint, String idParam) {
+
+        // 메소드 파라미터와 이름을 매핑하여 travelId를 찾아 반환
+        String[] paramNames = ((MethodSignature)joinPoint.getSignature()).getParameterNames();
+        Object[] args = joinPoint.getArgs();
+
+
+        for (int i = 0; i < paramNames.length; i++) {
+            if(paramNames[i].equals(idParam) && args[i] instanceof Long) {
+                return (Long) args[i];
+            }
+        }
+
+        // @CheckTravelAccess를 붙인 메서드에서 "travelId"라는 파라미터를 찾지 못한 경우
+        throw new IllegalArgumentException(idParam + " 파라미터를 찾을 수 없습니다.");
+    }
+}
\ No newline at end of file
diff --git a/src/main/java/withbeetravel/config/CorsConfig.java b/src/main/java/withbeetravel/config/CorsConfig.java
new file mode 100644
index 00000000..ad3637c3
--- /dev/null
+++ b/src/main/java/withbeetravel/config/CorsConfig.java
@@ -0,0 +1,17 @@
+package withbeetravel.config;
+
+import org.springframework.context.annotation.Configuration;
+import org.springframework.web.servlet.config.annotation.CorsRegistry;
+import org.springframework.web.servlet.config.annotation.WebMvcConfigurer;
+
+@Configuration
+public class CorsConfig implements WebMvcConfigurer {
+    @Override
+    public void addCorsMappings(CorsRegistry registry){
+        registry.addMapping("/**")
+                .allowedOrigins("http://localhost:3000", "http://192.168.0.5:3000", "http://54.180.164.254:8080","http://54.180.164.254",
+                        "http://localhost:3001", "https://withbee-travel.vercel.app", "https://www.withbee.site")
+                .allowedMethods("GET", "POST", "PUT", "DELETE", "PATCH", "OPTIONS")
+                .allowCredentials(true);
+    }
+}
\ No newline at end of file
diff --git a/src/main/java/withbeetravel/config/OpenAIConfig.java b/src/main/java/withbeetravel/config/OpenAIConfig.java
new file mode 100644
index 00000000..fa8c14fd
--- /dev/null
+++ b/src/main/java/withbeetravel/config/OpenAIConfig.java
@@ -0,0 +1,22 @@
+package withbeetravel.config;
+
+import lombok.Getter;
+import lombok.Setter;
+import org.springframework.beans.factory.annotation.Value;
+import org.springframework.boot.context.properties.ConfigurationProperties;
+import org.springframework.context.annotation.Configuration;
+
+@Configuration
+@ConfigurationProperties(prefix = "openai")
+@Getter
+@Setter
+public class OpenAIConfig {
+    @Value("${openai.api-key}")
+    private String apiKey;
+
+    @Value("${openai.model}")
+    private String model;
+
+    @Value("${openai.endpoint}")
+    private String endpoint;
+}
\ No newline at end of file
diff --git a/src/main/java/withbeetravel/config/PasswordEncoderConfig.java b/src/main/java/withbeetravel/config/PasswordEncoderConfig.java
new file mode 100644
index 00000000..84f9ad93
--- /dev/null
+++ b/src/main/java/withbeetravel/config/PasswordEncoderConfig.java
@@ -0,0 +1,13 @@
+package withbeetravel.config;
+
+import org.springframework.context.annotation.Bean;
+import org.springframework.context.annotation.Configuration;
+import org.springframework.security.crypto.bcrypt.BCryptPasswordEncoder;
+
+@Configuration
+public class PasswordEncoderConfig {
+    @Bean
+    public BCryptPasswordEncoder passwordEncoder() {
+        return new BCryptPasswordEncoder();
+    }
+}
diff --git a/src/main/java/withbeetravel/config/S3Config.java b/src/main/java/withbeetravel/config/S3Config.java
new file mode 100644
index 00000000..6c2afa28
--- /dev/null
+++ b/src/main/java/withbeetravel/config/S3Config.java
@@ -0,0 +1,35 @@
+package withbeetravel.config;
+
+import com.amazonaws.auth.AWSCredentials;
+import com.amazonaws.auth.AWSStaticCredentialsProvider;
+import com.amazonaws.auth.BasicAWSCredentials;
+import com.amazonaws.services.s3.AmazonS3;
+import com.amazonaws.services.s3.AmazonS3ClientBuilder;
+import org.springframework.beans.factory.annotation.Value;
+import org.springframework.context.annotation.Bean;
+import org.springframework.context.annotation.Configuration;
+
+@Configuration // 설정 파일을 읽기 위한 annotation
+public class S3Config {
+
+    // S3
+    @Value("${cloud.aws.credentials.accessKey}")
+    private String accessKey;
+
+    @Value("${cloud.aws.credentials.secretKey}")
+    private String secretKey;
+
+    @Value("${cloud.aws.region.static}")
+    private String region;
+
+    @Bean
+    public AmazonS3 s3Client() {
+
+        AWSCredentials credentials = new BasicAWSCredentials(accessKey, secretKey);
+
+        return AmazonS3ClientBuilder.standard()
+                .withCredentials(new AWSStaticCredentialsProvider(credentials))
+                .withRegion(region)
+                .build();
+    }
+}
diff --git a/src/main/java/withbeetravel/config/SecurityConfig.java b/src/main/java/withbeetravel/config/SecurityConfig.java
index f29d8079..20f25d40 100644
--- a/src/main/java/withbeetravel/config/SecurityConfig.java
+++ b/src/main/java/withbeetravel/config/SecurityConfig.java
@@ -1,23 +1,60 @@
 package withbeetravel.config;
 
+import lombok.AllArgsConstructor;
 import org.springframework.context.annotation.Bean;
 import org.springframework.context.annotation.Configuration;
+import org.springframework.security.config.Customizer;
 import org.springframework.security.config.annotation.web.builders.HttpSecurity;
 import org.springframework.security.config.annotation.web.configuration.EnableWebSecurity;
+import org.springframework.security.config.annotation.web.configurers.AbstractHttpConfigurer;
+import org.springframework.security.config.http.SessionCreationPolicy;
 import org.springframework.security.web.SecurityFilterChain;
+import org.springframework.security.web.authentication.UsernamePasswordAuthenticationFilter;
+import withbeetravel.jwt.JwtAuthFilter;
+import withbeetravel.jwt.JwtUtil;
+import withbeetravel.service.auth.CustomUserDetailsService;
 
 @Configuration
 @EnableWebSecurity
+@AllArgsConstructor
 public class SecurityConfig{
 
+    private final CustomUserDetailsService customUserDetailsService;
+    private final JwtUtil jwtUtil;
+    private static final String[] AUTH_WHITELIST = {
+            "/api/auth/login",
+            "/api/auth/join",
+            "/swagger-ui/**",
+            "/",
+            "/api/auth/reissue",
+            "/api/auth/check-time"};
+
     @Bean
     public SecurityFilterChain filterChain(HttpSecurity http) throws Exception {
 
-        // 로그인 기능 구현 전까지 모든 요청 허용
-        http
-                .authorizeHttpRequests((requests) ->
-                        requests.requestMatchers("/**").permitAll());
+        // CSRF, CORS
+        http.csrf((csrf) -> csrf.disable());
+        http.cors((Customizer.withDefaults()));
+
+        // 세션 관리 상태 없음으로 구성, Spring Securtiy가 세션 생성 or 사용 x
+        http.sessionManagement(sessionManagement -> sessionManagement.sessionCreationPolicy(
+                SessionCreationPolicy.STATELESS));
+
+        // FormLogin, BasicHttp, logout 비활성화
+        http.formLogin(AbstractHttpConfigurer::disable);
+        http.httpBasic(AbstractHttpConfigurer::disable);
+        http.logout(AbstractHttpConfigurer::disable);
+
+        // JwtAuthFilter를 UsernamePasswordAuthenticationFilter 앞에 추가
+        http.addFilterBefore(new JwtAuthFilter(customUserDetailsService, jwtUtil),
+                UsernamePasswordAuthenticationFilter.class);
+
+        // 권한 규칙 작성
+        http.authorizeHttpRequests((authorize) ->
+                authorize.requestMatchers(AUTH_WHITELIST).permitAll()
+                        .requestMatchers("/api/admin/**").hasRole("ADMIN")
+                        .anyRequest().authenticated());
 
         return http.build();
     }
-}
+}
\ No newline at end of file
diff --git a/src/main/java/withbeetravel/config/SwaggerConfig.java b/src/main/java/withbeetravel/config/SwaggerConfig.java
new file mode 100644
index 00000000..02475a1a
--- /dev/null
+++ b/src/main/java/withbeetravel/config/SwaggerConfig.java
@@ -0,0 +1,22 @@
+package withbeetravel.config;
+
+import io.swagger.v3.oas.models.OpenAPI;
+import io.swagger.v3.oas.models.info.Info;
+import org.springframework.context.annotation.Bean;
+import org.springframework.context.annotation.Configuration;
+
+@Configuration // 설정 파일을 읽기 위한 annotation
+public class SwaggerConfig {
+
+    @Bean
+    public OpenAPI openAPI() {
+
+        // Swagger에서 보여줄 API 정보 설정
+        Info info = new Info()
+                .version("1.0.0") // 서비스 버전
+                .title("WithBee Travel") // 타이틀
+                .description("WithBee Travel🐝🛫 Project API"); // 설명
+
+        return new OpenAPI().info(info);
+    }
+}
diff --git a/src/main/java/withbeetravel/config/TaskSchedulerConfig.java b/src/main/java/withbeetravel/config/TaskSchedulerConfig.java
new file mode 100644
index 00000000..c2af0251
--- /dev/null
+++ b/src/main/java/withbeetravel/config/TaskSchedulerConfig.java
@@ -0,0 +1,22 @@
+package withbeetravel.config;
+
+import org.springframework.context.annotation.Bean;
+import org.springframework.context.annotation.Configuration;
+import org.springframework.context.annotation.Primary;
+import org.springframework.scheduling.TaskScheduler;
+import org.springframework.scheduling.concurrent.ThreadPoolTaskScheduler;
+
+@Configuration
+@Primary
+public class TaskSchedulerConfig {
+    private static final int POOL_SIZE = 3;
+
+    @Bean
+    public TaskScheduler taskScheduler() {
+        ThreadPoolTaskScheduler scheduler = new ThreadPoolTaskScheduler();
+        scheduler.setPoolSize(POOL_SIZE);
+        scheduler.setThreadNamePrefix("SettlementScheduler-");
+        scheduler.initialize();
+        return scheduler;
+    }
+}
diff --git a/src/main/java/withbeetravel/controller/admin/AdminController.java b/src/main/java/withbeetravel/controller/admin/AdminController.java
new file mode 100644
index 00000000..51beb5f5
--- /dev/null
+++ b/src/main/java/withbeetravel/controller/admin/AdminController.java
@@ -0,0 +1,81 @@
+package withbeetravel.controller.admin;
+
+import lombok.RequiredArgsConstructor;
+import org.springframework.data.domain.Page;
+import org.springframework.http.HttpStatus;
+import org.springframework.web.bind.annotation.*;
+import withbeetravel.dto.request.admin.TravelAdminRequest;
+import withbeetravel.dto.request.admin.UserRequest;
+import withbeetravel.dto.response.admin.DashboardResponse;
+import withbeetravel.dto.request.admin.LoginLogRequest;
+import withbeetravel.dto.response.SuccessResponse;
+import withbeetravel.dto.response.admin.LoginLogResponse;
+import withbeetravel.dto.response.admin.TravelAdminResponse;
+import withbeetravel.dto.response.admin.UserResponse;
+import withbeetravel.service.admin.AdminService;
+
+@RestController
+@RequestMapping("/api/admin")
+@RequiredArgsConstructor
+public class AdminController {
+
+    private final AdminService adminService;
+
+    @GetMapping
+    public SuccessResponse<DashboardResponse> showDashboard(){
+        return SuccessResponse.of(
+                HttpStatus.OK.value(),
+                "로그인, 유저, 여행 수 조회 성공",
+                adminService.getLoginAttempts()
+        );
+    }
+
+    @GetMapping("/logs/all")
+    public SuccessResponse<Page<LoginLogResponse>> showAllLoginHistories(
+            @RequestParam Long userId,
+            @RequestParam int page,
+            @RequestParam int size,
+            @RequestParam(required = false) String loginLogType
+            ){
+        LoginLogRequest loginLogRequest = new LoginLogRequest(userId, page-1, size,loginLogType);
+        return SuccessResponse.of(
+                HttpStatus.OK.value(),
+                "userId의 전체 로그인 로그 조회 성공",
+                adminService.showAllLoginHistories(loginLogRequest)
+        );
+    }
+
+    @GetMapping("/users")
+    public SuccessResponse<Page<UserResponse>> showUsers(
+            @RequestParam int page,
+            @RequestParam int size,
+            @RequestParam(required = false) String name
+    ) {
+        UserRequest userRequest = UserRequest.builder().name(name).
+                page(page).size(size).build();
+        return SuccessResponse.of(
+                HttpStatus.OK.value(),
+                "사용자 목록 조회 성공",
+                adminService.showUsers(userRequest)
+        );
+    }
+
+    @GetMapping("/travels")
+    public SuccessResponse<Page<TravelAdminResponse>> showTravels(
+            @RequestParam int page,
+            @RequestParam int size,
+            @RequestParam(required = false) Long userId
+    ){
+        TravelAdminRequest travelAdminRequest = TravelAdminRequest.builder()
+                .page(page).size(size).userId(userId).build();
+
+        return SuccessResponse.of(
+                HttpStatus.OK.value(),
+                userId == null ? "전체 여행 조회 성공" : "사용자의 여행 조회 성공",
+                adminService.showTravels(travelAdminRequest)
+        );
+
+    }
+
+
+}
diff --git a/src/main/java/withbeetravel/controller/auth/AuthController.java b/src/main/java/withbeetravel/controller/auth/AuthController.java
new file mode 100644
index 00000000..cd9130f1
--- /dev/null
+++ b/src/main/java/withbeetravel/controller/auth/AuthController.java
@@ -0,0 +1,70 @@
+package withbeetravel.controller.auth;
+
+import jakarta.validation.Valid;
+import lombok.RequiredArgsConstructor;
+import org.springframework.http.HttpHeaders;
+import org.springframework.http.HttpStatus;
+import org.springframework.http.ResponseEntity;
+import org.springframework.web.bind.annotation.*;
+import withbeetravel.controller.auth.docs.AuthControllerDocs;
+import withbeetravel.dto.request.auth.SignInRequest;
+import withbeetravel.dto.request.auth.SignUpRequest;
+import withbeetravel.dto.response.SuccessResponse;
+import withbeetravel.dto.response.auth.*;
+import withbeetravel.security.CookieUtil;
+import withbeetravel.security.UserAuthorizationUtil;
+import withbeetravel.service.auth.AuthService;
+
+@RestController
+@RequestMapping("/api/auth")
+@RequiredArgsConstructor
+public class AuthController implements AuthControllerDocs {
+
+    private final AuthService authService;
+    private final CookieUtil cookieUtil;
+
+    @PostMapping("/join")
+    public SuccessResponse<Void> register(@RequestBody @Valid SignUpRequest signUpRequest) {
+        authService.signUp(signUpRequest);
+        return SuccessResponse.of(HttpStatus.CREATED.value(), "회원 가입 완료");
+    }
+
+    @PostMapping("/login")
+    public ResponseEntity<SuccessResponse<UserAuthResponse>> login(@RequestBody @Valid SignInRequest signInRequest) {
+        SignInResponse signInResponse = authService.login(signInRequest);
+        return ResponseEntity.ok().header(HttpHeaders.SET_COOKIE, String.valueOf(cookieUtil.createHttpOnlyCookie(signInResponse.getRefreshToken())))
+                        .body(SuccessResponse.of(HttpStatus.OK.value(), "로그인 성공", signInResponse.getUserAuthResponse()));
+    }
+
+    @PostMapping("/reissue")
+    public ResponseEntity<SuccessResponse<AccessTokenResponse>> reissue(@RequestHeader("refreshToken") String refreshToken) {
+        ReissueResponse reissueResponse = authService.reissue(refreshToken);
+
+        return ResponseEntity.ok().header(HttpHeaders.SET_COOKIE,
+                        String.valueOf(cookieUtil.createHttpOnlyCookie(reissueResponse.getRefreshToken())))
+                .body(SuccessResponse.of(HttpStatus.OK.value(), "토큰 재발급 성공", reissueResponse.getAccessTokenResponse()));
+    }
+
+    @GetMapping("/check-time")
+    public SuccessResponse<ExpirationResponse> checkTokenTime(@RequestHeader("token") String token) {
+        ExpirationResponse expirationResponse = authService.checkExpirationTime(token);
+        return SuccessResponse.of(HttpStatus.OK.value(), "토큰 만료시간 조회 성공", expirationResponse);
+    }
+
+    @PostMapping("/logout")
+    public SuccessResponse<Void> logout(@RequestHeader("refreshToken") String refreshToken) {
+        authService.logout(refreshToken);
+        return SuccessResponse.of(HttpStatus.OK.value(),  "로그아웃 성공");
+    }
+
+    @Override
+    @GetMapping("/mypage")
+    public SuccessResponse<MyPageResponse> getMyPageInfo() {
+
+        Long userId = UserAuthorizationUtil.getLoginUserId();
+
+        MyPageResponse myPageInfo = authService.getMyPageInfo(userId);
+        return SuccessResponse.of(HttpStatus.OK.value(), "마이페이지 정보입니다.", myPageInfo);
+    }
+}
+
diff --git a/src/main/java/withbeetravel/controller/auth/docs/AuthControllerDocs.java b/src/main/java/withbeetravel/controller/auth/docs/AuthControllerDocs.java
new file mode 100644
index 00000000..24c3afda
--- /dev/null
+++ b/src/main/java/withbeetravel/controller/auth/docs/AuthControllerDocs.java
@@ -0,0 +1,27 @@
+package withbeetravel.controller.auth.docs;
+
+import io.swagger.v3.oas.annotations.Operation;
+import io.swagger.v3.oas.annotations.media.Content;
+import io.swagger.v3.oas.annotations.media.Schema;
+import io.swagger.v3.oas.annotations.responses.ApiResponse;
+import io.swagger.v3.oas.annotations.responses.ApiResponses;
+import io.swagger.v3.oas.annotations.tags.Tag;
+import withbeetravel.dto.response.ErrorResponse;
+import withbeetravel.dto.response.SuccessResponse;
+import withbeetravel.dto.response.auth.MyPageResponse;
+
+@Tag(name = "인증 API", description = "에 대한 설명입니다.")
+public interface AuthControllerDocs {
+
+    @Operation(
+            summary = "마이페이지 초기 정보 API",
+            description = "마이페이지에 필요한 초기 정보를 불러올 수 있습니다.",
+            tags = {"User Management", "인증"}
+    )
+    @ApiResponses({
+            @ApiResponse(responseCode = "200", description = "마이페이지 정보입니다.", content = @Content(schema = @Schema(implementation = MyPageResponse.class))),
+            @ApiResponse(responseCode = "401", description = "AUTH-001", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+            @ApiResponse(responseCode = "404", description = "AUTH-017", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+    })
+    SuccessResponse<MyPageResponse> getMyPageInfo();
+}
diff --git a/src/main/java/withbeetravel/controller/banking/AccountController.java b/src/main/java/withbeetravel/controller/banking/AccountController.java
new file mode 100644
index 00000000..32e3f05c
--- /dev/null
+++ b/src/main/java/withbeetravel/controller/banking/AccountController.java
@@ -0,0 +1,134 @@
+package withbeetravel.controller.banking;
+
+import lombok.RequiredArgsConstructor;
+import org.springframework.http.HttpStatus;
+import org.springframework.web.bind.annotation.*;
+import withbeetravel.aspect.CheckBankingAccess;
+import withbeetravel.dto.request.account.*;
+import withbeetravel.dto.response.SuccessResponse;
+import withbeetravel.dto.response.account.AccountConnectedWibeeResponse;
+import withbeetravel.dto.response.account.AccountOwnerNameResponse;
+import withbeetravel.dto.response.account.AccountResponse;
+import withbeetravel.dto.response.account.HistoryResponse;
+import withbeetravel.security.UserAuthorizationUtil;
+import withbeetravel.service.banking.AccountService;
+import withbeetravel.service.banking.HistoryService;
+
+import java.util.List;
+
+@RestController
+@RequestMapping("/api/accounts")
+@RequiredArgsConstructor
+public class AccountController {
+
+    private final AccountService accountService;
+
+    private final HistoryService historyService;
+
+
+
+    @GetMapping()
+    public SuccessResponse<List<AccountResponse>> showAllAccount(){
+        Long userId = UserAuthorizationUtil.getLoginUserId();
+        return SuccessResponse.of(
+                HttpStatus.OK.value(),
+                "전체 계좌 조회 완료",
+                accountService.showAll(userId)
+        );
+    }
+
+    @GetMapping("/{accountId}/info")
+    @CheckBankingAccess(accountIdParam = "accountId") // AOP로 권한 검증
+    public SuccessResponse<AccountResponse> accountInfo(@PathVariable Long accountId){
+        return  SuccessResponse.of(
+                HttpStatus.OK.value(),
+                "accountId로 계좌 조회 성공",
+                accountService.accountInfo(accountId)
+        );
+    }
+
+    @GetMapping("/{accountId}")
+    @CheckBankingAccess(accountIdParam = "accountId") // AOP로 권한 검증
+    public SuccessResponse<List<HistoryResponse>> showAllHistories(@PathVariable Long accountId){
+        return SuccessResponse.of(
+                HttpStatus.OK.value(),
+                "계좌 거래내역 조회 성공",
+                historyService.showAll(accountId)
+        );
+    }
+
+    @PostMapping()
+    public SuccessResponse<AccountResponse> createAccount(@RequestBody CreateAccountRequest createAccountRequest){
+
+        Long userId = UserAuthorizationUtil.getLoginUserId();
+        // 계좌 생성
+        return SuccessResponse.of(
+                HttpStatus.CREATED.value(),
+                "계좌 생성 완료",
+                accountService.createAccount(userId,createAccountRequest)
+        );//1L 부분은 나중에 로그인 상태가 되면 유저 별로 바뀔 예정
+    }
+
+    @PostMapping("{accountId}/transfer")
+    //@CheckBankingAccess(accountIdParam = "accountId") // AOP로 권한 검증
+    public SuccessResponse transfer(@RequestBody TransferRequest transferRequest){
+
+        accountService.transfer(transferRequest.getAccountId(),
+                transferRequest.getAccountNumber(),
+                transferRequest.getAmount(),
+                transferRequest.getRqspeNm());
+
+        return SuccessResponse.of(
+                HttpStatus.ACCEPTED.value(),
+                "송금이 완료되었습니다."
+        );
+    }
+
+    @PostMapping("{accountId}/deposit")
+    @CheckBankingAccess(accountIdParam = "accountId") // AOP로 권한 검증
+    public SuccessResponse deposit(
+            @RequestBody DepositRequest depositRequest,
+            @PathVariable Long accountId) {
+
+        // 입금 처리
+        accountService.deposit(accountId, depositRequest.getAmount(), depositRequest.getRqspeNm());
+
+        // SuccessResponse 객체를 생성하여 반환
+        return SuccessResponse.of(
+                HttpStatus.ACCEPTED.value(), // 상태 코드 202
+                "입금이 완료되었습니다." // 메시지
+        );
+    }
+
+    @PostMapping("/verify")
+    public SuccessResponse verifyAccount(@RequestBody AccountNumberRequest accountNumberRequest){
+
+        accountService.verifyAccount(accountNumberRequest.getAccountNumber());
+
+        return SuccessResponse.of(
+                HttpStatus.OK.value(),
+                "계좌 번호 존재 확인 완료"
+        );
+
+    }
+
+    @PostMapping("/find-user")
+    public SuccessResponse<AccountOwnerNameResponse> findUserNameByAccountNumber(@RequestBody AccountNumberRequest accountNumberRequest) {
+        return  SuccessResponse.of(
+                HttpStatus.OK.value(),
+                "찾은 계좌 주인 이름",
+                accountService.findUserNameByAccountNumber(accountNumberRequest.getAccountNumber())
+        );
+    }
+
+    @GetMapping("/{accountId}/check-wibee")
+    public SuccessResponse<AccountConnectedWibeeResponse> connectedWibee(
+            @PathVariable Long accountId){
+        return SuccessResponse.of(
+                HttpStatus.OK.value(),
+                "위비 카드 연결 여부 확인 완료",
+                accountService.connectedWibee(accountId)
+        );
+    }
+
+}
diff --git a/src/main/java/withbeetravel/controller/banking/HistoryController.java b/src/main/java/withbeetravel/controller/banking/HistoryController.java
new file mode 100644
index 00000000..9448e4be
--- /dev/null
+++ b/src/main/java/withbeetravel/controller/banking/HistoryController.java
@@ -0,0 +1,51 @@
+package withbeetravel.controller.banking;
+
+import lombok.RequiredArgsConstructor;
+import org.springframework.http.HttpStatus;
+import org.springframework.web.bind.annotation.*;
+import withbeetravel.aspect.CheckBankingAccess;
+import withbeetravel.aspect.CheckTravelAccess;
+import withbeetravel.controller.banking.docs.HistoryControllerDocs;
+import withbeetravel.dto.request.account.HistoryRequest;
+import withbeetravel.dto.response.SuccessResponse;
+import withbeetravel.dto.response.account.WibeeCardHistoryListResponse;
+import withbeetravel.security.UserAuthorizationUtil;
+import withbeetravel.service.banking.HistoryService;
+
+@RestController
+@RequestMapping("/api/accounts")
+@RequiredArgsConstructor
+public class HistoryController implements HistoryControllerDocs {
+
+    private final HistoryService historyService;
+
+    @Override
+    @CheckBankingAccess
+    @PostMapping("/{accountId}/payment")
+    public SuccessResponse<Void> addPayment(
+            @PathVariable Long accountId,
+            @RequestBody HistoryRequest historyRequest
+    ){
+
+        Long userId = UserAuthorizationUtil.getLoginUserId();
+
+        historyService.addHistory(userId, accountId,historyRequest);
+        return SuccessResponse.of(
+                HttpStatus.CREATED.value(),
+                "결제 내역 등록 완료"
+        );
+    }
+
+    @Override
+    @GetMapping("/wibeeCardHistory")
+    public SuccessResponse<WibeeCardHistoryListResponse> getWibeeCardHistory(
+            @RequestParam(required = false) String startDate,
+            @RequestParam(required = false) String endDate
+    ) {
+        Long userId = UserAuthorizationUtil.getLoginUserId();
+
+        WibeeCardHistoryListResponse response = historyService.getWibeeCardHistory(userId, startDate, endDate);
+
+        return SuccessResponse.of(HttpStatus.OK.value(), "위비 카드 결제 내역입니다.", response);
+    }
+}
diff --git a/src/main/java/withbeetravel/controller/banking/VerifyController.java b/src/main/java/withbeetravel/controller/banking/VerifyController.java
new file mode 100644
index 00000000..c7dc7627
--- /dev/null
+++ b/src/main/java/withbeetravel/controller/banking/VerifyController.java
@@ -0,0 +1,34 @@
+package withbeetravel.controller.banking;
+
+import lombok.RequiredArgsConstructor;
+import org.springframework.http.HttpStatus;
+import org.springframework.web.bind.annotation.*;
+import withbeetravel.dto.request.account.PinNumberRequest;
+import withbeetravel.dto.response.SuccessResponse;
+import withbeetravel.dto.response.account.PinNumberResponse;
+import withbeetravel.service.banking.VerifyService;
+
+@RestController
+@RequiredArgsConstructor
+@RequestMapping("/api/verify")
+public class VerifyController {
+
+    private final VerifyService verifyService;
+
+    @PostMapping("/pin-number")
+    public SuccessResponse verifyPin(
+            @RequestBody PinNumberRequest pinNumberRequest){
+        verifyService.verifyPin(pinNumberRequest.getPinNumber());
+
+        return SuccessResponse.of(HttpStatus.OK.value(), "핀번호 검증 완료");
+    }
+
+    @GetMapping("/user-state")
+    public SuccessResponse<PinNumberResponse> verifyUser(){
+        return SuccessResponse.of(
+                HttpStatus.OK.value(),
+                "유저가 잠금상태가 아닙니다.",
+                verifyService.verifyUser()
+        );
+    }
+}
diff --git a/src/main/java/withbeetravel/controller/banking/docs/HistoryControllerDocs.java b/src/main/java/withbeetravel/controller/banking/docs/HistoryControllerDocs.java
new file mode 100644
index 00000000..0e9a4e93
--- /dev/null
+++ b/src/main/java/withbeetravel/controller/banking/docs/HistoryControllerDocs.java
@@ -0,0 +1,76 @@
+package withbeetravel.controller.banking.docs;
+
+import io.swagger.v3.oas.annotations.Operation;
+import io.swagger.v3.oas.annotations.Parameter;
+import io.swagger.v3.oas.annotations.enums.ParameterIn;
+import io.swagger.v3.oas.annotations.media.Content;
+import io.swagger.v3.oas.annotations.media.Schema;
+import io.swagger.v3.oas.annotations.responses.ApiResponse;
+import io.swagger.v3.oas.annotations.responses.ApiResponses;
+import io.swagger.v3.oas.annotations.tags.Tag;
+import org.springframework.web.bind.annotation.PathVariable;
+import org.springframework.web.bind.annotation.RequestBody;
+import withbeetravel.dto.request.account.HistoryRequest;
+import withbeetravel.dto.response.ErrorResponse;
+import withbeetravel.dto.response.SuccessResponse;
+import withbeetravel.dto.response.account.WibeeCardHistoryListResponse;
+
+@Tag(name = "코어뱅킹 API", description = "에 대한 설명입니다.")
+public interface HistoryControllerDocs {
+
+    @Operation(
+            summary = "결제 내역 추가하기 API",
+            description = "계좌에 결제 내역을 추가할 수 있습니다.",
+            tags = {"User Management", "코어뱅킹"},
+            parameters = {
+                    @Parameter(
+                            name = "accountId",
+                            description = "계좌 ID",
+                            in = ParameterIn.DEFAULT,
+                            example = "1234"
+                    )
+            }
+    )
+    @ApiResponses({
+            @ApiResponse(responseCode = "200", description = "결제 내역 등록 완료", content = @Content(schema = @Schema(implementation = SuccessResponse.class))),
+            @ApiResponse(responseCode = "400", description = "BANKING-01", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+            @ApiResponse(responseCode = "401", description = "AUTH-001", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+            @ApiResponse(responseCode = "403", description = "BANKING-004\nBANKING-006", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+            @ApiResponse(responseCode = "404", description = "BANKING-002", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+    })
+    SuccessResponse<Void> addPayment(
+            @PathVariable Long accountId,
+            @RequestBody HistoryRequest historyRequest
+    );
+
+    @Operation(
+            summary = "위비 트래블 카드 결제 내역 불러오기 API",
+            description = "위비 트래블 카드 결제 내역을 불러올 수 있습니다.",
+            tags = {"User Management", "코어뱅킹"},
+            parameters = {
+                    @Parameter(
+                            name = "startDate",
+                            description = "필터링 시작 범위",
+                            in = ParameterIn.QUERY,
+                            example = "2024-11-26"
+                    ),
+                    @Parameter(
+                            name = "endDate",
+                            description = "필터링 끝 범위",
+                            in = ParameterIn.QUERY,
+                            example = "2024-11-28"
+                    )
+            }
+    )
+    @ApiResponses({
+            @ApiResponse(responseCode = "200", description = "위비 카드 결제 내역입니다.", content = @Content(schema = @Schema(implementation = WibeeCardHistoryListResponse.class))),
+            @ApiResponse(responseCode = "400", description = "VALIDATION-003", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+            @ApiResponse(responseCode = "401", description = "AUTH-001", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+            @ApiResponse(responseCode = "403", description = "BANKING-003\nBANKING-006", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+            @ApiResponse(responseCode = "404", description = "AUTH-017", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+    })
+    SuccessResponse<WibeeCardHistoryListResponse> getWibeeCardHistory(
+            String startDate,
+            String endDate
+    );
+}
diff --git a/src/main/java/withbeetravel/controller/payment/SharedPaymentController.java b/src/main/java/withbeetravel/controller/payment/SharedPaymentController.java
new file mode 100644
index 00000000..15adb3d8
--- /dev/null
+++ b/src/main/java/withbeetravel/controller/payment/SharedPaymentController.java
@@ -0,0 +1,42 @@
+package withbeetravel.controller.payment;
+
+import jakarta.validation.Valid;
+import lombok.RequiredArgsConstructor;
+import org.springframework.data.domain.Page;
+import org.springframework.web.bind.annotation.*;
+import withbeetravel.aspect.CheckTravelAccess;
+import withbeetravel.aspect.PaymentValidation;
+import withbeetravel.domain.SharedPayment;
+import withbeetravel.dto.request.payment.SharedPaymentSearchRequest;
+import withbeetravel.dto.response.SuccessResponse;
+import withbeetravel.dto.response.payment.SharedPaymentParticipatingMemberResponse;
+import withbeetravel.dto.response.payment.SharedPaymentResponse;
+import withbeetravel.service.payment.SharedPaymentService;
+
+import java.util.List;
+import java.util.Map;
+
+@RequiredArgsConstructor
+@RestController
+@RequestMapping("/api/travels/{travelId}/payments")
+public class SharedPaymentController {
+
+    private final SharedPaymentService sharedPaymentService;
+
+    @CheckTravelAccess
+    @PaymentValidation
+    @GetMapping
+    public SuccessResponse<Page<SharedPaymentResponse>> getSharedPayments(
+            @PathVariable Long travelId,
+            @Valid @ModelAttribute SharedPaymentSearchRequest condition
+    ) {
+            Page<SharedPayment> payments = sharedPaymentService.getSharedPayments(travelId, condition);
+            Map<Long, List<SharedPaymentParticipatingMemberResponse>> participatingMembersMap = sharedPaymentService.getParticipatingMembersMap(payments);
+
+            return SuccessResponse.of(200, "모든 공동 결제 내역 조회 성공", SharedPaymentResponse.of(
+                    payments,
+                    payments.getContent().get(0).getTravel().getTravelMembers().size(),
+                    participatingMembersMap
+            ));
+    }
+}
diff --git a/src/main/java/withbeetravel/controller/payment/SharedPaymentParticipantController.java b/src/main/java/withbeetravel/controller/payment/SharedPaymentParticipantController.java
new file mode 100644
index 00000000..471d04f2
--- /dev/null
+++ b/src/main/java/withbeetravel/controller/payment/SharedPaymentParticipantController.java
@@ -0,0 +1,33 @@
+package withbeetravel.controller.payment;
+
+import lombok.RequiredArgsConstructor;
+import org.springframework.http.HttpStatus;
+import org.springframework.web.bind.annotation.*;
+import withbeetravel.aspect.CheckTravelAndSharedPaymentAccess;
+import withbeetravel.controller.payment.docs.SharedPaymentParticipantControllerDocs;
+import withbeetravel.dto.request.payment.SharedPaymentParticipateRequest;
+import withbeetravel.dto.response.SuccessResponse;
+import withbeetravel.service.payment.SharedPaymentParticipantService;
+
+@RestController
+@RequestMapping("/api/travels/{travelId}/payments/{sharedPaymentId}/participants")
+@RequiredArgsConstructor
+public class SharedPaymentParticipantController implements SharedPaymentParticipantControllerDocs {
+
+    private final SharedPaymentParticipantService sharedPaymentParticipantService;
+
+    @Override
+    @PatchMapping
+    @CheckTravelAndSharedPaymentAccess
+    public SuccessResponse<Void> updateParticipantMembers(
+            @PathVariable Long travelId,
+            @PathVariable Long sharedPaymentId,
+            @RequestBody SharedPaymentParticipateRequest sharedPaymentParticipateRequest
+    ) {
+
+        sharedPaymentParticipantService
+                .updateParticipantMembers(travelId, sharedPaymentId, sharedPaymentParticipateRequest);
+
+        return SuccessResponse.of(HttpStatus.OK.value(), "정산인원 변경 성공");
+    }
+}
diff --git a/src/main/java/withbeetravel/controller/payment/SharedPaymentRecordController.java b/src/main/java/withbeetravel/controller/payment/SharedPaymentRecordController.java
new file mode 100644
index 00000000..d77c5782
--- /dev/null
+++ b/src/main/java/withbeetravel/controller/payment/SharedPaymentRecordController.java
@@ -0,0 +1,45 @@
+package withbeetravel.controller.payment;
+
+import lombok.RequiredArgsConstructor;
+import org.springframework.http.HttpStatus;
+import org.springframework.web.bind.annotation.*;
+import org.springframework.web.multipart.MultipartFile;
+import withbeetravel.aspect.CheckTravelAndSharedPaymentAccess;
+import withbeetravel.controller.payment.docs.SharedPaymentRecordControllerDocs;
+import withbeetravel.dto.response.payment.SharedPaymentRecordResponse;
+import withbeetravel.dto.response.SuccessResponse;
+import withbeetravel.service.payment.SharedPaymentRecordService;
+
+@RequiredArgsConstructor
+@RestController
+@RequestMapping("/api/travels/{travelId}/payments")
+public class SharedPaymentRecordController implements SharedPaymentRecordControllerDocs {
+
+    private final SharedPaymentRecordService sharedPaymentService;
+
+    @Override
+    @CheckTravelAndSharedPaymentAccess
+    @PatchMapping(value = "/{sharedPaymentId}/records", consumes = "multipart/form-data")
+    public SuccessResponse<Void> addAndUpdatePaymentRecord(
+            @PathVariable Long travelId,
+            @PathVariable Long sharedPaymentId,
+            @RequestPart(value = "paymentImage") MultipartFile paymentImage,
+            @RequestParam(value = "paymentComment", required = false) String paymentComment,
+            @RequestParam(value = "isMainImage", defaultValue = "false") boolean isMainImage
+    ) {
+
+        sharedPaymentService.addAndUpdatePaymentRecord(travelId, sharedPaymentId, paymentImage, paymentComment, isMainImage);
+        return SuccessResponse.of(HttpStatus.OK.value(), "이미지 및 문구를 성공적으로 변경하였습니다.");
+    }
+
+    @Override
+    @CheckTravelAndSharedPaymentAccess
+    @GetMapping("/{sharedPaymentId}/records")
+    public SuccessResponse<SharedPaymentRecordResponse> getSharedPaymentRecord(
+            @PathVariable Long travelId,
+            @PathVariable Long sharedPaymentId
+    ) {
+        SharedPaymentRecordResponse response = sharedPaymentService.getSharedPaymentRecord(sharedPaymentId);
+        return SuccessResponse.of(HttpStatus.OK.value(), "여행 기록 불러오기 성공", response);
+    }
+}
diff --git a/src/main/java/withbeetravel/controller/payment/SharedPaymentRegisterController.java b/src/main/java/withbeetravel/controller/payment/SharedPaymentRegisterController.java
new file mode 100644
index 00000000..951caff7
--- /dev/null
+++ b/src/main/java/withbeetravel/controller/payment/SharedPaymentRegisterController.java
@@ -0,0 +1,105 @@
+package withbeetravel.controller.payment;
+
+import lombok.RequiredArgsConstructor;
+import org.springframework.http.HttpStatus;
+import org.springframework.web.bind.annotation.*;
+import org.springframework.web.multipart.MultipartFile;
+import withbeetravel.aspect.CheckTravelAccess;
+import withbeetravel.aspect.CheckTravelAndSharedPaymentAccess;
+import withbeetravel.controller.payment.docs.SharedPaymentRegisterControllerDocs;
+import withbeetravel.dto.request.payment.SharedPaymentWibeeCardRegisterRequest;
+import withbeetravel.dto.response.SuccessResponse;
+import withbeetravel.dto.response.payment.CurrencyUnitResponse;
+import withbeetravel.security.UserAuthorizationUtil;
+import withbeetravel.service.payment.SharedPaymentRegisterService;
+
+@RestController
+@RequestMapping("/api/travels/{travelId}/payments")
+@RequiredArgsConstructor
+public class SharedPaymentRegisterController implements SharedPaymentRegisterControllerDocs {
+
+    private final SharedPaymentRegisterService sharedPaymentRegisterService;
+
+    @Override
+    @CheckTravelAccess
+    @PostMapping(value = "/manual", consumes = "multipart/form-data")
+    public SuccessResponse<Void> addManualSharedPayment(
+            @PathVariable Long travelId,
+            @RequestParam(value = "paymentDate") String paymentDate,
+            @RequestParam(value = "storeName") String storeName,
+            @RequestParam(value = "paymentAmount") int paymentAmount,
+            @RequestParam(value = "foreignPaymentAmount", required = false) Double foreignPaymentAmount,
+            @RequestParam(value = "currencyUnit")String currencyUnit,
+            @RequestParam(value = "exchangeRate", required = false) Double exchangeRate,
+            @RequestPart(value = "paymentImage") MultipartFile paymentImage,
+            @RequestParam(value = "paymentComment", required = false) String paymentComment,
+            @RequestParam(value = "isMainImage", defaultValue = "false") boolean isMainImage
+    ) {
+
+        Long userId = UserAuthorizationUtil.getLoginUserId();
+
+        sharedPaymentRegisterService.addManualSharedPayment(
+                userId, travelId, paymentDate, storeName, paymentAmount,
+                foreignPaymentAmount, currencyUnit, exchangeRate, paymentImage, paymentComment,
+                isMainImage
+        );
+
+        return SuccessResponse.of(HttpStatus.OK.value(), "결제 내역이 추가되었습니다.");
+    }
+
+    @Override
+    @CheckTravelAndSharedPaymentAccess
+    @PatchMapping(value = "/{sharedPaymentId}", consumes = "multipart/form-data")
+    public SuccessResponse<Void> updateManualSharedPayment(
+            @PathVariable Long travelId,
+            @PathVariable Long sharedPaymentId,
+            @RequestParam(value = "paymentDate") String paymentDate,
+            @RequestParam(value = "storeName") String storeName,
+            @RequestParam(value = "paymentAmount") int paymentAmount,
+            @RequestParam(value = "foreignPaymentAmount", required = false) Double foreignPaymentAmount,
+            @RequestParam(value = "currencyUnit")String currencyUnit,
+            @RequestParam(value = "exchangeRate", required = false) Double exchangeRate,
+            @RequestPart(value = "paymentImage") MultipartFile paymentImage,
+            @RequestParam(value = "paymentComment", required = false) String paymentComment,
+            @RequestParam(value = "isMainImage", defaultValue = "false") boolean isMainImage
+    ) {
+        Long userId = UserAuthorizationUtil.getLoginUserId();
+
+        sharedPaymentRegisterService.updateManualSharedPayment(
+                userId, travelId, sharedPaymentId, paymentDate, storeName,
+                paymentAmount, foreignPaymentAmount, currencyUnit, exchangeRate, paymentImage,
+                paymentComment, isMainImage
+        );
+
+        return SuccessResponse.of(HttpStatus.OK.value(), "결제 내역 정보가 수정되었습니다.");
+    }
+
+    @Override
+    @CheckTravelAccess
+    @PostMapping("/manual-wibee-card")
+    public SuccessResponse<Void> addWibeeCardSharedPayment(
+            @PathVariable Long travelId,
+            @RequestBody SharedPaymentWibeeCardRegisterRequest sharedPaymentWibeeCardRegisterRequest
+    ) {
+
+        Long userId = UserAuthorizationUtil.getLoginUserId();
+
+        sharedPaymentRegisterService.addWibeeCardSharedPayment(
+                userId, travelId, sharedPaymentWibeeCardRegisterRequest
+        );
+
+        return SuccessResponse.of(HttpStatus.OK.value(), "결제 내역이 추가되었습니다.");
+    }
+
+    @Override
+    @CheckTravelAccess
+    @GetMapping("/currency-unit")
+    public SuccessResponse<CurrencyUnitResponse> getCurrencyUnitOptions(
+            @PathVariable Long travelId
+    ) {
+
+        CurrencyUnitResponse response = sharedPaymentRegisterService.getCurrencyUnitOptions(travelId);
+
+        return SuccessResponse.of(HttpStatus.OK.value(), "통화 코드 목록입니다.", response);
+    }
+}
diff --git a/src/main/java/withbeetravel/controller/payment/docs/SharedPaymentParticipantControllerDocs.java b/src/main/java/withbeetravel/controller/payment/docs/SharedPaymentParticipantControllerDocs.java
new file mode 100644
index 00000000..f226928c
--- /dev/null
+++ b/src/main/java/withbeetravel/controller/payment/docs/SharedPaymentParticipantControllerDocs.java
@@ -0,0 +1,51 @@
+package withbeetravel.controller.payment.docs;
+
+import io.swagger.v3.oas.annotations.Operation;
+import io.swagger.v3.oas.annotations.Parameter;
+import io.swagger.v3.oas.annotations.enums.ParameterIn;
+import io.swagger.v3.oas.annotations.media.Content;
+import io.swagger.v3.oas.annotations.media.Schema;
+import io.swagger.v3.oas.annotations.responses.ApiResponse;
+import io.swagger.v3.oas.annotations.responses.ApiResponses;
+import io.swagger.v3.oas.annotations.tags.Tag;
+import withbeetravel.dto.request.payment.SharedPaymentParticipateRequest;
+import withbeetravel.dto.response.ErrorResponse;
+import withbeetravel.dto.response.SuccessResponse;
+
+@Tag(name = "공동 결제 내역 API", description = "에 대한 설명입니다.")
+public interface SharedPaymentParticipantControllerDocs {
+
+    @Operation(
+            summary = "공동 결제 내역 참여 인원 수정 API",
+            description = "공동 결제 내역 참여 인원을 수정할 수 있습니다.",
+            tags = {"User Management", "공동 결제 내역"},
+            parameters = {
+                    @Parameter(
+                            name = "travelId",
+                            description = "여행 ID",
+                            required = true,
+                            in = ParameterIn.PATH,
+                            example = "1234"
+                    ),
+                    @Parameter(
+                            name = "sharedPaymentId",
+                            description = "공동 결제 내역 ID",
+                            required = true,
+                            in = ParameterIn.PATH,
+                            example = "1234"
+                    )
+            }
+    )
+    @ApiResponses({
+            @ApiResponse(responseCode = "200", description = "이미지 및 문구를 성공적으로 변경하였습니다.", content = @Content(schema = @Schema(implementation = SuccessResponse.class))),
+            @ApiResponse(responseCode = "401", description = "AUTH-001", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+            @ApiResponse(responseCode = "403", description = "TRAVEL-002\nPAYMENT-003\nPAYMENT-004", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+            @ApiResponse(responseCode = "404", description = "TRAVEL-001\nPAYMENT-001", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+    })
+    public SuccessResponse<Void> updateParticipantMembers(
+            Long travelId,
+            Long sharedPaymentId,
+            SharedPaymentParticipateRequest sharedPaymentParticipateRequest
+    );
+
+}
diff --git a/src/main/java/withbeetravel/controller/payment/docs/SharedPaymentRecordControllerDocs.java b/src/main/java/withbeetravel/controller/payment/docs/SharedPaymentRecordControllerDocs.java
new file mode 100644
index 00000000..afd7ce92
--- /dev/null
+++ b/src/main/java/withbeetravel/controller/payment/docs/SharedPaymentRecordControllerDocs.java
@@ -0,0 +1,101 @@
+package withbeetravel.controller.payment.docs;
+
+import io.swagger.v3.oas.annotations.Operation;
+import io.swagger.v3.oas.annotations.Parameter;
+import io.swagger.v3.oas.annotations.enums.ParameterIn;
+import io.swagger.v3.oas.annotations.media.Content;
+import io.swagger.v3.oas.annotations.media.Schema;
+import io.swagger.v3.oas.annotations.responses.ApiResponse;
+import io.swagger.v3.oas.annotations.responses.ApiResponses;
+import io.swagger.v3.oas.annotations.tags.Tag;
+import org.springframework.web.multipart.MultipartFile;
+import withbeetravel.dto.response.payment.SharedPaymentRecordResponse;
+import withbeetravel.dto.response.SuccessResponse;
+import withbeetravel.dto.response.ErrorResponse;
+
+@Tag(name = "공동 결제 내역 API", description = "에 대한 설명입니다.")
+public interface SharedPaymentRecordControllerDocs {
+
+    @Operation(
+            summary = "여행 기록 추가/수정하기",
+            description = "공동 결제 내역에 대해 이미지, 문구를 추가/수정할 수 있습니다.",
+            tags = {"User Management", "공동 결제 내역"},
+            parameters = {
+                    @Parameter(
+                            name = "travelId",
+                            description = "여행 ID",
+                            required = true,
+                            in = ParameterIn.PATH,
+                            example = "1234"
+                    ),
+                    @Parameter(
+                            name = "sharedPaymentId",
+                            description = "공동 결제 내역 ID",
+                            required = true,
+                            in = ParameterIn.PATH,
+                            example = "1234"
+                    ),
+                    @Parameter(
+                            name = "paymentImage",
+                            description = "이미지(nullable)",
+                            required = true,
+                            in = ParameterIn.DEFAULT,
+                            example = "image.jpg",
+                            allowEmptyValue = true
+                    ),
+                    @Parameter(
+                            name = "paymentComment",
+                            description = "문구",
+                            in = ParameterIn.DEFAULT,
+                            example = "얏호박고구마~"
+                    ),
+                    @Parameter(
+                            name = "isMainImage",
+                            description = "대표 이미지 여부",
+                            in = ParameterIn.DEFAULT
+                    )
+            }
+    )
+    @ApiResponses({
+            @ApiResponse(responseCode = "200", description = "이미지 및 문구를 성공적으로 변경하였습니다.", content = @Content(schema = @Schema(implementation = SuccessResponse.class))),
+            @ApiResponse(responseCode = "401", description = "AUTH-001", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+            @ApiResponse(responseCode = "403", description = "TRAVEL-002\nPAYMENT-003", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+            @ApiResponse(responseCode = "404", description = "TRAVEL-001\nPAYMENT-001", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+            @ApiResponse(responseCode = "422", description = "VALIDATION-004", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+    })
+    public SuccessResponse<Void> addAndUpdatePaymentRecord(Long travelId, Long sharedPaymentId,
+                                                     MultipartFile paymentImage, String paymentComment, boolean isMainImage);
+
+    @Operation(
+            summary = "SHARED PAYMENT ID에 따른 여행 기록 불러오기",
+            description = "SHARED PAYMENT ID에 따른 여행 사진, 문구를 불러올 수 있습니다.",
+            tags = {"User Management", "공동 결제 내역"},
+            parameters = {
+                    @Parameter(
+                            name = "travelId",
+                            description = "여행 ID",
+                            required = true,
+                            in = ParameterIn.PATH,
+                            example = "1234"
+                    ),
+                    @Parameter(
+                            name = "sharedPaymentId",
+                            description = "공동 결제 내역 ID",
+                            required = true,
+                            in = ParameterIn.PATH,
+                            example = "1234"
+                    )
+            }
+    )
+    @ApiResponses({
+            @ApiResponse(responseCode = "200", description = "여행 기록 불러오기 성공", content = @Content(schema = @Schema(implementation = SharedPaymentRecordResponse.class))),
+            @ApiResponse(responseCode = "401", description = "AUTH-001", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+            @ApiResponse(responseCode = "403", description = "TRAVEL-002\nPAYMENT-003", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+            @ApiResponse(responseCode = "404", description = "TRAVEL-001\nPAYMENT-001", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+    })
+    public SuccessResponse<SharedPaymentRecordResponse> getSharedPaymentRecord(
+            Long travelId,
+            Long sharedPaymentId
+    );
+
+}
diff --git a/src/main/java/withbeetravel/controller/payment/docs/SharedPaymentRegisterControllerDocs.java b/src/main/java/withbeetravel/controller/payment/docs/SharedPaymentRegisterControllerDocs.java
new file mode 100644
index 00000000..c5e8352e
--- /dev/null
+++ b/src/main/java/withbeetravel/controller/payment/docs/SharedPaymentRegisterControllerDocs.java
@@ -0,0 +1,268 @@
+package withbeetravel.controller.payment.docs;
+
+import io.swagger.v3.oas.annotations.Operation;
+import io.swagger.v3.oas.annotations.Parameter;
+import io.swagger.v3.oas.annotations.enums.ParameterIn;
+import io.swagger.v3.oas.annotations.media.Content;
+import io.swagger.v3.oas.annotations.media.Schema;
+import io.swagger.v3.oas.annotations.responses.ApiResponse;
+import io.swagger.v3.oas.annotations.responses.ApiResponses;
+import io.swagger.v3.oas.annotations.tags.Tag;
+import org.springframework.web.multipart.MultipartFile;
+import withbeetravel.dto.request.payment.SharedPaymentWibeeCardRegisterRequest;
+import withbeetravel.dto.response.ErrorResponse;
+import withbeetravel.dto.response.SuccessResponse;
+import withbeetravel.dto.response.payment.CurrencyUnitResponse;
+
+@Tag(name = "공동 결제 내역 API", description = "에 대한 설명입니다.")
+public interface SharedPaymentRegisterControllerDocs {
+
+    @Operation(
+            summary = "직접 결제 내역 추가하기",
+            description = "현금 지출이나 위비 트래블 카드가 없는 사용자는 직접 결제 내역을 추가할 수 있습니다.",
+            tags = {"User Management", "공동 결제 내역"},
+            parameters = {
+                    @Parameter(
+                            name = "travelId",
+                            description = "여행 ID",
+                            required = true,
+                            in = ParameterIn.PATH,
+                            example = "1234"
+                    ),
+                    @Parameter(
+                            name = "paymentDate",
+                            description = "결제 시각",
+                            required = true,
+                            in = ParameterIn.DEFAULT,
+                            example = "2024-11-01 14:33"
+                    ),
+                    @Parameter(
+                            name = "storeName",
+                            description = "상호명",
+                            required = true,
+                            in = ParameterIn.DEFAULT,
+                            example = "뜨개뜨개"
+                    ),
+                    @Parameter(
+                            name = "paymentAmount",
+                            description = "결제 금액(원화)",
+                            required = true,
+                            in = ParameterIn.DEFAULT,
+                            example = "8990"
+                    ),
+                    @Parameter(
+                            name = "foreignPaymentAmount",
+                            description = "결제 금액(외화)",
+                            in = ParameterIn.DEFAULT,
+                            example = "1.25",
+                            allowEmptyValue = true
+                    ),
+                    @Parameter(
+                            name = "currencyUnit",
+                            description = "통화 단위",
+                            required = true,
+                            in = ParameterIn.DEFAULT,
+                            example = "USD"
+                    ),
+                    @Parameter(
+                            name = "exchangeRate",
+                            description = "환율",
+                            in = ParameterIn.DEFAULT,
+                            example = "1392.50",
+                            allowEmptyValue = true
+                    ),
+                    @Parameter(
+                            name = "paymentImage",
+                            description = "이미지(nullable)",
+                            required = true,
+                            in = ParameterIn.DEFAULT,
+                            example = "image.jpg",
+                            allowEmptyValue = true
+                    ),
+                    @Parameter(
+                            name = "paymentComment",
+                            description = "문구",
+                            in = ParameterIn.DEFAULT,
+                            example = "얏호박고구마~"
+                    ),
+                    @Parameter(
+                            name = "isMainImage",
+                            description = "대표 이미지 여부",
+                            in = ParameterIn.DEFAULT
+                    )
+            }
+    )
+    @ApiResponses({
+            @ApiResponse(responseCode = "200", description = "결제 내역이 추가되었습니다.", content = @Content(schema = @Schema(implementation = SuccessResponse.class))),
+            @ApiResponse(responseCode = "400", description = "VALIDATION-001\nVALIDATION-002\nVALIDATION-005", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+            @ApiResponse(responseCode = "401", description = "AUTH-001", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+            @ApiResponse(responseCode = "403", description = "TRAVEL-002", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+            @ApiResponse(responseCode = "404", description = "TRAVEL-001", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+    })
+    SuccessResponse<Void> addManualSharedPayment(
+            Long travelId,
+            String paymentDate,
+            String storeName,
+            int paymentAmount,
+            Double foreignPaymentAmount,
+            String currencyUnit,
+            Double exchangeRate,
+            MultipartFile paymentImage,
+            String paymentComment,
+            boolean isMainImage
+    );
+
+    @Operation(
+            summary = "직접 결제 내역 추가하기",
+            description = "현금 지출이나 위비 트래블 카드가 없는 사용자는 직접 결제 내역을 추가할 수 있습니다.",
+            tags = {"User Management", "공동 결제 내역"},
+            parameters = {
+                    @Parameter(
+                            name = "travelId",
+                            description = "여행 ID",
+                            required = true,
+                            in = ParameterIn.PATH,
+                            example = "1234"
+                    ),
+                    @Parameter(
+                            name = "sharedPaymentId",
+                            description = "공동 결제 내역 ID",
+                            required = true,
+                            in = ParameterIn.PATH,
+                            example = "1234"
+                    ),
+                    @Parameter(
+                            name = "paymentDate",
+                            description = "결제 시각",
+                            required = true,
+                            in = ParameterIn.DEFAULT,
+                            example = "2024-11-01 14:33"
+                    ),
+                    @Parameter(
+                            name = "storeName",
+                            description = "상호명",
+                            required = true,
+                            in = ParameterIn.DEFAULT,
+                            example = "뜨개뜨개"
+                    ),
+                    @Parameter(
+                            name = "paymentAmount",
+                            description = "결제 금액(원화)",
+                            required = true,
+                            in = ParameterIn.DEFAULT,
+                            example = "8990"
+                    ),
+                    @Parameter(
+                            name = "foreignPaymentAmount",
+                            description = "결제 금액(외화)",
+                            in = ParameterIn.DEFAULT,
+                            example = "1.25",
+                            allowEmptyValue = true
+                    ),
+                    @Parameter(
+                            name = "currencyUnit",
+                            description = "통화 단위",
+                            required = true,
+                            in = ParameterIn.DEFAULT,
+                            example = "USD"
+                    ),
+                    @Parameter(
+                            name = "exchangeRate",
+                            description = "환율",
+                            in = ParameterIn.DEFAULT,
+                            example = "1392.50",
+                            allowEmptyValue = true
+                    ),
+                    @Parameter(
+                            name = "paymentImage",
+                            description = "이미지(nullable)",
+                            required = true,
+                            in = ParameterIn.DEFAULT,
+                            example = "image.jpg",
+                            allowEmptyValue = true
+                    ),
+                    @Parameter(
+                            name = "paymentComment",
+                            description = "문구",
+                            in = ParameterIn.DEFAULT,
+                            example = "얏호박고구마~"
+                    ),
+                    @Parameter(
+                            name = "isMainImage",
+                            description = "대표 이미지 여부",
+                            in = ParameterIn.DEFAULT
+                    )
+            }
+    )
+    @ApiResponses({
+            @ApiResponse(responseCode = "200", description = "결제 내역 정보가 수정되었습니다.", content = @Content(schema = @Schema(implementation = SuccessResponse.class))),
+            @ApiResponse(responseCode = "400", description = "VALIDATION-001\nVALIDATION-002\nVALIDATION-005", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+            @ApiResponse(responseCode = "401", description = "AUTH-001", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+            @ApiResponse(responseCode = "403", description = "TRAVEL-002\nPAYMENT-002", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+            @ApiResponse(responseCode = "404", description = "TRAVEL-001\nPAYMENT-001", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+    })
+    SuccessResponse<Void> updateManualSharedPayment(
+            Long travelId,
+            Long sharedPaymentId,
+            String paymentDate,
+            String storeName,
+            int paymentAmount,
+            Double foreignPaymentAmount,
+            String currencyUnit,
+            Double exchangeRate,
+            MultipartFile paymentImage,
+            String paymentComment,
+            boolean isMainImage
+    );
+
+    @Operation(
+            summary = "위비 카드 결제 내역 공동 결제 내역에 추가하기",
+            description = "여행 일자 이전에 발생한 위비 트래블 카드 결제 내역을 추가할 수 있습니다.",
+            tags = {"User Management", "공동 결제 내역"},
+            parameters = {
+                    @Parameter(
+                            name = "travelId",
+                            description = "여행 ID",
+                            required = true,
+                            in = ParameterIn.PATH,
+                            example = "1234"
+                    )
+            }
+    )
+    @ApiResponses({
+            @ApiResponse(responseCode = "200", description = "결제 내역이 추가되었습니다.", content = @Content(schema = @Schema(implementation = SuccessResponse.class))),
+            @ApiResponse(responseCode = "400", description = "VALIDATION-003\nBANKING-007", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+            @ApiResponse(responseCode = "401", description = "AUTH-001", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+            @ApiResponse(responseCode = "403", description = "TRAVEL-002\nBANKING-003\nBANKING-006", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+            @ApiResponse(responseCode = "404", description = "TRAVEL-001\nBANKING-005", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+    })
+    SuccessResponse<Void> addWibeeCardSharedPayment(
+            Long travelId,
+            SharedPaymentWibeeCardRegisterRequest sharedPaymentWibeeCardRegisterRequest
+
+    );
+
+    @Operation(
+            summary = "통화 코드 불러오기",
+            description = "방문 나라 통화를 우선으로 통화 코드 불러오기",
+            tags = {"User Management", "공동 결제 내역"},
+            parameters = {
+                    @Parameter(
+                            name = "travelId",
+                            description = "여행 ID",
+                            required = true,
+                            in = ParameterIn.PATH,
+                            example = "1234"
+                    )
+            }
+    )
+    @ApiResponses({
+            @ApiResponse(responseCode = "200", description = "통화 코드 목록입니다.", content = @Content(schema = @Schema(implementation = CurrencyUnitResponse.class))),
+            @ApiResponse(responseCode = "401", description = "AUTH-001", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+            @ApiResponse(responseCode = "403", description = "TRAVEL-002", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+            @ApiResponse(responseCode = "404", description = "TRAVEL-001", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+    })
+    SuccessResponse<CurrencyUnitResponse> getCurrencyUnitOptions(
+            Long travelId
+    );
+}
diff --git a/src/main/java/withbeetravel/controller/settlement/SettlementController.java b/src/main/java/withbeetravel/controller/settlement/SettlementController.java
new file mode 100644
index 00000000..f620e6c8
--- /dev/null
+++ b/src/main/java/withbeetravel/controller/settlement/SettlementController.java
@@ -0,0 +1,49 @@
+package withbeetravel.controller.settlement;
+
+import lombok.RequiredArgsConstructor;
+import org.springframework.http.HttpStatus;
+import org.springframework.web.bind.annotation.*;
+import withbeetravel.aspect.CheckTravelAccess;
+import withbeetravel.dto.response.SuccessResponse;
+import withbeetravel.dto.response.settlement.ShowSettlementDetailResponse;
+import withbeetravel.security.UserAuthorizationUtil;
+import withbeetravel.service.settlement.SettlementService;
+
+@RestController
+@RequiredArgsConstructor
+@RequestMapping("/api/travels/{travelId}/settlements")
+public class SettlementController {
+    private final SettlementService settlementService;
+
+    @GetMapping
+    @CheckTravelAccess
+    SuccessResponse<ShowSettlementDetailResponse> getSettlementDetails(@PathVariable Long travelId) {
+        Long userId = UserAuthorizationUtil.getLoginUserId();
+        ShowSettlementDetailResponse showSettlementDetailResponse = settlementService.getSettlementDetails(userId, travelId);
+        return SuccessResponse.of(HttpStatus.OK.value(), "세부 지출 내역 조회 성공", showSettlementDetailResponse);
+    }
+
+    @PostMapping
+    @CheckTravelAccess
+    SuccessResponse<Void> requestSettlement(@PathVariable Long travelId) {
+        Long userId = UserAuthorizationUtil.getLoginUserId();
+        settlementService.requestSettlement(userId, travelId);
+        return SuccessResponse.of(HttpStatus.OK.value(), "정산 요청 성공");
+    }
+
+    @PostMapping("/agreement")
+    @CheckTravelAccess
+    SuccessResponse<Void> agreeSettlement(@PathVariable Long travelId) {
+        Long userId = UserAuthorizationUtil.getLoginUserId();
+        String message = settlementService.agreeSettlement(userId, travelId);
+        return SuccessResponse.of(HttpStatus.OK.value(), message);
+    }
+
+    @DeleteMapping
+    @CheckTravelAccess
+    SuccessResponse<Void> cancelSettlement(@PathVariable Long travelId) {
+        Long userId = UserAuthorizationUtil.getLoginUserId();
+        settlementService.cancelSettlement(userId, travelId);
+        return SuccessResponse.of(HttpStatus.OK.value(), "정산 취소 성공");
+    }
+}
\ No newline at end of file
diff --git a/src/main/java/withbeetravel/controller/settlement/SettlementRequestLogController.java b/src/main/java/withbeetravel/controller/settlement/SettlementRequestLogController.java
new file mode 100644
index 00000000..5044f5ed
--- /dev/null
+++ b/src/main/java/withbeetravel/controller/settlement/SettlementRequestLogController.java
@@ -0,0 +1,51 @@
+package withbeetravel.controller.settlement;
+
+import lombok.RequiredArgsConstructor;
+import org.springframework.http.HttpHeaders;
+import org.springframework.http.HttpStatus;
+import org.springframework.http.ResponseEntity;
+import org.springframework.web.bind.annotation.GetMapping;
+import org.springframework.web.bind.annotation.RequestHeader;
+import org.springframework.web.bind.annotation.RequestMapping;
+import org.springframework.web.bind.annotation.RestController;
+import org.springframework.web.servlet.mvc.method.annotation.SseEmitter;
+import withbeetravel.dto.request.settlementRequestLog.SettlementRequestLogDto;
+import withbeetravel.dto.response.SuccessResponse;
+import withbeetravel.security.UserAuthorizationUtil;
+import withbeetravel.service.notification.NotificationService;
+import withbeetravel.service.notification.SettlementRequestLogService;
+
+import java.util.List;
+
+@RestController
+@RequiredArgsConstructor
+@RequestMapping("/api/notifications")
+public class SettlementRequestLogController {
+
+    private final NotificationService notificationService;
+    private final SettlementRequestLogService settlementRequestLogService;
+
+    @GetMapping
+    SuccessResponse<List<SettlementRequestLogDto>> getNotifications() {
+        Long userId = UserAuthorizationUtil.getLoginUserId();
+        List<SettlementRequestLogDto> settlementRequestLogs = settlementRequestLogService.getSettlementRequestLogs(userId);
+        return SuccessResponse.of(HttpStatus.OK.value(), "알림창 조회 성공", settlementRequestLogs);
+    }
+
+    /**
+     * streamNotifications : 사용자의 요청을 받아 SSE 구독하도록 연결
+     * - SseEmitter를 반환
+     */
+    @GetMapping(value = "/stream", produces = "text/event-stream")
+    public ResponseEntity<SseEmitter> streamNotifications(@RequestHeader(value = "Last-Event-ID", required = false, defaultValue = "")
+                                          String lastEventId) {
+        Long userId = UserAuthorizationUtil.getLoginUserId();
+
+        // 헤더 설정
+        HttpHeaders headers = new HttpHeaders();
+        headers.add("Cache-Control", "no-cache"); // 캐시 방지
+        headers.add("X-Accel-Buffering", "no");
+
+        return new ResponseEntity<>(notificationService.subscribe(userId, lastEventId), headers, HttpStatus.OK);
+    }
+}
diff --git a/src/main/java/withbeetravel/controller/travel/HoneyCapsuleController.java b/src/main/java/withbeetravel/controller/travel/HoneyCapsuleController.java
new file mode 100644
index 00000000..df3c987b
--- /dev/null
+++ b/src/main/java/withbeetravel/controller/travel/HoneyCapsuleController.java
@@ -0,0 +1,33 @@
+package withbeetravel.controller.travel;
+
+import lombok.RequiredArgsConstructor;
+import org.springframework.web.bind.annotation.GetMapping;
+import org.springframework.web.bind.annotation.PathVariable;
+import org.springframework.web.bind.annotation.RequestMapping;
+import org.springframework.web.bind.annotation.RestController;
+import withbeetravel.aspect.CheckTravelAccess;
+import withbeetravel.controller.travel.docs.HoneyCapsuleControllerDocs;
+import withbeetravel.dto.response.travel.HoneyCapsuleResponse;
+import withbeetravel.dto.response.SuccessResponse;
+import withbeetravel.service.travel.HoneyCapsuleService;
+
+import java.util.List;
+
+@RestController
+@RequestMapping("/api/travels/{travelId}/honeycapsule")
+@RequiredArgsConstructor
+public class HoneyCapsuleController implements HoneyCapsuleControllerDocs {
+
+    private final HoneyCapsuleService honeyCapsuleService;
+
+    @Override
+    @CheckTravelAccess
+    @GetMapping
+    public SuccessResponse<List<HoneyCapsuleResponse>> getHoneyCapsuleList(
+            @PathVariable Long travelId
+    ) {
+
+        return honeyCapsuleService.getHoneyCapsuleList(travelId);
+    }
+
+}
diff --git a/src/main/java/withbeetravel/controller/travel/TravelController.java b/src/main/java/withbeetravel/controller/travel/TravelController.java
new file mode 100644
index 00000000..2dae8c9f
--- /dev/null
+++ b/src/main/java/withbeetravel/controller/travel/TravelController.java
@@ -0,0 +1,102 @@
+package withbeetravel.controller.travel;
+
+import lombok.RequiredArgsConstructor;
+import org.springframework.http.HttpStatus;
+import org.springframework.web.bind.annotation.*;
+import org.springframework.web.multipart.MultipartFile;
+import withbeetravel.aspect.CheckTravelAccess;
+import withbeetravel.controller.travel.docs.TravelControllerDocs;
+import withbeetravel.dto.request.account.CardCompletedRequest;
+import withbeetravel.dto.request.travel.InviteCodeSignUpRequest;
+import withbeetravel.dto.request.travel.TravelRequest;
+import withbeetravel.dto.response.SuccessResponse;
+import withbeetravel.dto.response.account.AccountConnectedWibeeResponse;
+import withbeetravel.dto.response.travel.TravelHomeResponse;
+import withbeetravel.dto.response.travel.InviteCodeGetResponse;
+import withbeetravel.dto.response.travel.InviteCodeSignUpResponse;
+import withbeetravel.dto.response.travel.TravelResponse;
+import withbeetravel.dto.response.travel.TravelListResponse;
+import withbeetravel.security.UserAuthorizationUtil;
+import withbeetravel.service.travel.TravelService;
+
+import java.util.List;
+
+@RequiredArgsConstructor
+@RestController
+@RequestMapping("/api/travels")
+public class TravelController implements TravelControllerDocs {
+
+    private final TravelService travelService;
+
+    @CheckTravelAccess
+    @GetMapping("/{travelId}")
+    public SuccessResponse<TravelHomeResponse> getTravel(@PathVariable Long travelId) {
+        Long userId = UserAuthorizationUtil.getLoginUserId();
+
+        return SuccessResponse.of(200, "여행 홈 데이터 불러오기 성공", travelService.getTravel(travelId, userId));
+    }
+
+    @PostMapping
+    public SuccessResponse<TravelResponse> saveTravel(@RequestBody TravelRequest request) {
+        Long userId = UserAuthorizationUtil.getLoginUserId();
+        TravelResponse travelResponse = travelService.saveTravel(request,userId);
+        return SuccessResponse.of(HttpStatus.OK.value(), "여행 생성 성공",travelResponse);
+    }
+
+    @CheckTravelAccess
+    @PatchMapping("/{travelId}")
+    public SuccessResponse<Void> editTravel(@PathVariable Long travelId, @RequestBody TravelRequest request) {
+        // 여행 정보 수정
+        travelService.editTravel(request, travelId);
+        return SuccessResponse.of(HttpStatus.OK.value(), "여행 편집 성공");
+    }
+
+    @PostMapping("/invite-code")
+    public SuccessResponse<InviteCodeSignUpResponse> signUpTravel(@RequestBody InviteCodeSignUpRequest request){
+        Long userId = UserAuthorizationUtil.getLoginUserId();
+        InviteCodeSignUpResponse inviteCodeResponse = travelService.signUpTravel(request,userId);
+        return SuccessResponse.of(HttpStatus.OK.value(), "여행 가입 성공", inviteCodeResponse);
+    }
+
+    @GetMapping("/{travelId}/invite-code")
+    @CheckTravelAccess
+    public SuccessResponse<InviteCodeGetResponse> getInviteCode(@PathVariable Long travelId){
+        InviteCodeGetResponse inviteCodeGetReponse = travelService.getInviteCode(travelId);
+        return SuccessResponse.of(HttpStatus.OK.value(), "초대 코드 조회 성공", inviteCodeGetReponse);
+    }
+
+
+    @GetMapping
+    public SuccessResponse<List<TravelListResponse>> getTravelList() {
+        Long userId = UserAuthorizationUtil.getLoginUserId();
+        List<TravelListResponse> travelListResponse = travelService.getTravelList(userId);
+        return SuccessResponse.of(HttpStatus.OK.value(), "여행 리스트 조회 성공", travelListResponse);
+    }
+
+//  계좌 연결
+    @PostMapping("/accounts")
+    public SuccessResponse<Void> postConnectedAccount(@RequestBody CardCompletedRequest request){
+        Long userId = UserAuthorizationUtil.getLoginUserId();
+        travelService.postConnectedAccount(request,userId);
+        return SuccessResponse.of(HttpStatus.OK.value(), "계좌 연결 완료");
+    }
+
+//    카드 발급 여부
+    @GetMapping("/accounts")
+    public SuccessResponse<AccountConnectedWibeeResponse> getConnectedAccount(){
+        Long userId = UserAuthorizationUtil.getLoginUserId();
+        AccountConnectedWibeeResponse accountConnectedWibeeResponse = travelService.getConnectedWibee(userId);
+        return SuccessResponse.of(HttpStatus.OK.value(), "위비 카드 발급 여부 확인",accountConnectedWibeeResponse);
+    }
+
+    @Override
+    @CheckTravelAccess
+    @PatchMapping(value = "/{travelId}/main-image", consumes = "multipart/form-data")
+    public SuccessResponse<Void> changeMainImage(
+            @PathVariable Long travelId,
+            @RequestPart(value = "image") MultipartFile image
+    ) {
+        travelService.changeMainImage(travelId, image);
+        return SuccessResponse.of(HttpStatus.OK.value(), "여행 메인 이미지를 성공적으로 변경했습니다.");
+    }
+}
diff --git a/src/main/java/withbeetravel/controller/travel/TravelMemberController.java b/src/main/java/withbeetravel/controller/travel/TravelMemberController.java
new file mode 100644
index 00000000..963010b8
--- /dev/null
+++ b/src/main/java/withbeetravel/controller/travel/TravelMemberController.java
@@ -0,0 +1,31 @@
+package withbeetravel.controller.travel;
+
+import lombok.RequiredArgsConstructor;
+import org.springframework.web.bind.annotation.GetMapping;
+import org.springframework.web.bind.annotation.PathVariable;
+import org.springframework.web.bind.annotation.RequestMapping;
+import org.springframework.web.bind.annotation.RestController;
+import withbeetravel.aspect.CheckTravelAccess;
+import withbeetravel.dto.response.SuccessResponse;
+import withbeetravel.dto.response.travel.TravelMemberResponse;
+import withbeetravel.service.travel.TravelMemberService;
+
+import java.util.List;
+
+@RestController
+@RequestMapping("/api/travels/{travelId}/members")
+@RequiredArgsConstructor
+public class TravelMemberController {
+
+    private final TravelMemberService travelMemberService;
+
+    @CheckTravelAccess
+    @GetMapping
+    public SuccessResponse<List<TravelMemberResponse>> getTravelMembers(@PathVariable Long travelId) {
+        return SuccessResponse.of(200, "여행 멤버 조회 성공",
+                travelMemberService.getTravelMembers(travelId)
+                        .stream()
+                        .map(TravelMemberResponse::from)
+                        .toList());
+    }
+}
\ No newline at end of file
diff --git a/src/main/java/withbeetravel/controller/travel/docs/HoneyCapsuleControllerDocs.java b/src/main/java/withbeetravel/controller/travel/docs/HoneyCapsuleControllerDocs.java
new file mode 100644
index 00000000..525c47d1
--- /dev/null
+++ b/src/main/java/withbeetravel/controller/travel/docs/HoneyCapsuleControllerDocs.java
@@ -0,0 +1,42 @@
+package withbeetravel.controller.travel.docs;
+
+import io.swagger.v3.oas.annotations.Operation;
+import io.swagger.v3.oas.annotations.Parameter;
+import io.swagger.v3.oas.annotations.enums.ParameterIn;
+import io.swagger.v3.oas.annotations.media.Content;
+import io.swagger.v3.oas.annotations.media.Schema;
+import io.swagger.v3.oas.annotations.responses.ApiResponse;
+import io.swagger.v3.oas.annotations.responses.ApiResponses;
+import io.swagger.v3.oas.annotations.tags.Tag;
+import withbeetravel.dto.response.ErrorResponse;
+import withbeetravel.dto.response.travel.HoneyCapsuleResponse;
+import withbeetravel.dto.response.SuccessResponse;
+
+import java.util.List;
+
+@Tag(name = "공동 결제 내역 API", description = "에 대한 설명입니다.")
+public interface HoneyCapsuleControllerDocs {
+
+    @Operation(
+            summary = "허니캡슐 정보 불러오기 API",
+            description = "허니캡슐에 대한 정보 리스트를 불러올 수 있습니다.",
+            tags = {"User Management", "여행"},
+            parameters = {
+                    @Parameter(
+                            name = "travelId",
+                            description = "여행 ID",
+                            required = true,
+                            in = ParameterIn.PATH,
+                            example = "1234"
+                    )
+            }
+    )
+    @ApiResponses({
+            @ApiResponse(responseCode = "200", description = "여행 기록 조회 성공", content = @Content(schema = @Schema(implementation = HoneyCapsuleResponse.class))),
+            @ApiResponse(responseCode = "401", description = "AUTH-001", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+            @ApiResponse(responseCode = "403", description = "TRAVEL-002", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+            @ApiResponse(responseCode = "404", description = "TRAVEL-001", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+            @ApiResponse(responseCode = "409", description = "SETTLEMENT-005", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+    })
+    SuccessResponse<List<HoneyCapsuleResponse>> getHoneyCapsuleList(Long travelId);
+}
diff --git a/src/main/java/withbeetravel/controller/travel/docs/TravelControllerDocs.java b/src/main/java/withbeetravel/controller/travel/docs/TravelControllerDocs.java
new file mode 100644
index 00000000..e0d46959
--- /dev/null
+++ b/src/main/java/withbeetravel/controller/travel/docs/TravelControllerDocs.java
@@ -0,0 +1,51 @@
+package withbeetravel.controller.travel.docs;
+
+import io.swagger.v3.oas.annotations.Operation;
+import io.swagger.v3.oas.annotations.Parameter;
+import io.swagger.v3.oas.annotations.enums.ParameterIn;
+import io.swagger.v3.oas.annotations.media.Content;
+import io.swagger.v3.oas.annotations.media.Schema;
+import io.swagger.v3.oas.annotations.responses.ApiResponse;
+import io.swagger.v3.oas.annotations.responses.ApiResponses;
+import io.swagger.v3.oas.annotations.tags.Tag;
+import org.springframework.web.multipart.MultipartFile;
+import withbeetravel.dto.response.ErrorResponse;
+import withbeetravel.dto.response.SuccessResponse;
+import withbeetravel.dto.response.travel.HoneyCapsuleResponse;
+
+@Tag(name = "여행 API", description = "에 대한 설명입니다.")
+public interface TravelControllerDocs {
+
+    @Operation(
+            summary = "여행 메인 이미지 변경 API",
+            description = "여행 메인 이미지를 수정할 수 있습니다.",
+            tags = {"User Management", "여행"},
+            parameters = {
+                    @Parameter(
+                            name = "travelId",
+                            description = "여행 ID",
+                            required = true,
+                            in = ParameterIn.PATH,
+                            example = "1234"
+                    ),
+                    @Parameter(
+                            name = "file",
+                            description = "여행 메인 이미지로 변경할 파일",
+                            required = true,
+                            in = ParameterIn.DEFAULT,
+                            example = "image.jpg"
+                    )
+            }
+    )
+    @ApiResponses({
+            @ApiResponse(responseCode = "200", description = "여행 기록 조회 성공", content = @Content(schema = @Schema(implementation = HoneyCapsuleResponse.class))),
+            @ApiResponse(responseCode = "401", description = "AUTH-001", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+            @ApiResponse(responseCode = "403", description = "TRAVEL-002", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+            @ApiResponse(responseCode = "404", description = "TRAVEL-001", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+            @ApiResponse(responseCode = "422", description = "VALIDATION-004", content = @Content(schema = @Schema(implementation = ErrorResponse.class))),
+    })
+    SuccessResponse<Void> changeMainImage(
+            Long travelId,
+            MultipartFile file
+    );
+}
diff --git a/src/main/java/withbeetravel/domain/Account.java b/src/main/java/withbeetravel/domain/Account.java
new file mode 100644
index 00000000..817c2ebf
--- /dev/null
+++ b/src/main/java/withbeetravel/domain/Account.java
@@ -0,0 +1,56 @@
+package withbeetravel.domain;
+
+import com.fasterxml.jackson.annotation.JsonBackReference;
+import jakarta.persistence.*;
+import lombok.*;
+
+@Entity
+@Table(name = "accounts")
+@Getter
+public class Account {
+
+    @Id
+    @GeneratedValue(strategy = GenerationType.IDENTITY)
+    @Column(name = "account_id", nullable = false)
+    private Long id;
+
+    @ManyToOne(fetch = FetchType.LAZY)
+    @JoinColumn(name = "user_id", nullable = false)
+    @JsonBackReference
+    private User user;
+
+    @Column(name = "account_number", nullable = false, unique = true)
+    private String accountNumber;
+
+    @Column(name = "balance",nullable = false)
+    private long balance;
+
+    @Enumerated(EnumType.STRING)
+    @Column(name = "product", nullable = false)
+    private Product product;
+
+    @Column(name = "is_connected_wibee_card", nullable = false)
+    private boolean isConnectedWibeeCard;
+
+    public void transfer(int amount){
+        balance += amount;
+    }
+
+    protected Account(){};
+
+    @Builder
+    public Account(Long id, User user,
+                   String accountNumber, long balance,
+                   Product product, boolean isConnectedWibeeCard) {
+        this.id = id;
+        this.user = user;
+        this.accountNumber = accountNumber;
+        this.balance = balance;
+        this.product = product;
+        this.isConnectedWibeeCard = isConnectedWibeeCard;
+    }
+
+    public void updatedAccount(Boolean isConnectedWibeeCard){
+        this.isConnectedWibeeCard = isConnectedWibeeCard;
+    }
+}
diff --git a/src/main/java/withbeetravel/domain/Category.java b/src/main/java/withbeetravel/domain/Category.java
index e61bda06..2e76e169 100644
--- a/src/main/java/withbeetravel/domain/Category.java
+++ b/src/main/java/withbeetravel/domain/Category.java
@@ -1,12 +1,33 @@
 package withbeetravel.domain;
 
+import lombok.Getter;
+import withbeetravel.exception.CustomException;
+import withbeetravel.exception.error.PaymentErrorCode;
+import withbeetravel.exception.error.TravelErrorCode;
+
+import java.util.Arrays;
+
+@Getter
 public enum Category {
-    TRANSPORTATION,  // 교통
-    FOOD,            // 식비
-    ACCOMMODATION,   // 숙박
-    TOUR,            // 관광
-    ACTIVITY,        // 액티비티
-    SHOPPING,        // 쇼핑
-    FLIGHT,          // 항공
-    ETC              // 기타
+    TRANSPORTATION("교통"),
+    FOOD("식비"),
+    ACCOMMODATION("숙박"),
+    TOUR("관광"),
+    ACTIVITY("액티비티"),
+    SHOPPING("쇼핑"),
+    FLIGHT("항공"),
+    ETC("기타");
+
+    private final String description;
+
+    Category(String description) {
+        this.description = description;
+    }
+
+    public static Category fromString(String description) {
+        return Arrays.stream(values())
+                .filter(category -> category.description.equals(description))
+                .findFirst()
+                .orElseThrow(() -> new CustomException(TravelErrorCode.TRAVEL_CATEGORY_NOT_FOUND));
+    }
 }
diff --git a/src/main/java/withbeetravel/domain/Country.java b/src/main/java/withbeetravel/domain/Country.java
index b2bc95a2..96cbfcd0 100644
--- a/src/main/java/withbeetravel/domain/Country.java
+++ b/src/main/java/withbeetravel/domain/Country.java
@@ -1,5 +1,10 @@
 package withbeetravel.domain;
 
+import lombok.Getter;
+
+import java.util.List;
+
+@Getter
 public enum Country {
     US("미국", "USD"),
     ES("스페인", "EUR"),
@@ -59,4 +64,14 @@ public enum Country {
         this.countryName = countryName;
         this.currencyCode = currencyCode;
     }
+
+    public static Country findByName(String countryName){
+        String name = countryName.trim();
+
+        return List.of(Country.values()).stream()
+                .filter(country -> country.getCountryName().equals(name))
+                .findFirst()
+                .orElseThrow(() -> new IllegalArgumentException("No enum constant for country name: " + countryName));
+    }
+
 }
diff --git a/src/main/java/withbeetravel/domain/CurrencyUnit.java b/src/main/java/withbeetravel/domain/CurrencyUnit.java
index 5886c351..122c6c1b 100644
--- a/src/main/java/withbeetravel/domain/CurrencyUnit.java
+++ b/src/main/java/withbeetravel/domain/CurrencyUnit.java
@@ -1,6 +1,20 @@
 package withbeetravel.domain;
+
+import withbeetravel.exception.CustomException;
+import withbeetravel.exception.error.ValidationErrorCode;
+
 public enum CurrencyUnit {
     USD, EUR, JPY, CNY, KRW, GBP, AUD, CAD, NZD, MXN, INR, BRL, ZAR, SEK, NOK,
     DKK, CHF, HKD, SGD, THB, TRY, MYR, PHP, AED, SAR, KWD, BHD, QAR, OMR, JOD,
     LBP, EGP, IDR, PKR, TWD, VND, COP, PEN, CLP, ARS;
+
+    public static CurrencyUnit from(String unit) {
+
+        for (CurrencyUnit currencyUnit : CurrencyUnit.values()) {
+            if(currencyUnit.name().equalsIgnoreCase(unit)) { // 대소문자 구분없이 비교
+                return currencyUnit;
+            }
+        }
+        throw new CustomException(ValidationErrorCode.INVALID_CURRENCY_UNIT);
+    }
 }
diff --git a/src/main/java/withbeetravel/domain/History.java b/src/main/java/withbeetravel/domain/History.java
new file mode 100644
index 00000000..7b55006e
--- /dev/null
+++ b/src/main/java/withbeetravel/domain/History.java
@@ -0,0 +1,64 @@
+package withbeetravel.domain;
+
+import jakarta.persistence.*;
+import lombok.*;
+
+import java.time.LocalDateTime;
+
+@Entity
+@Getter
+@Table(name = "histories")
+public class History {
+
+    @Id
+    @GeneratedValue(strategy = GenerationType.IDENTITY)
+    @Column(name = "history_id", nullable = false)
+    private Long id;
+
+    @ManyToOne(fetch = FetchType.LAZY)
+    @JoinColumn(name = "account_id", nullable = false)
+    private Account account;
+
+    @Column(name = "date",nullable = false)
+    private LocalDateTime date;
+
+    @Column(name = "rcv_am")
+    private Integer rcvAm;
+
+    @Column(name = "pay_am")
+    private Integer payAM;
+
+    @Column(name = "balance", nullable = false)
+    private long balance;
+
+    @Column(name = "rqspe_nm", nullable = false)
+    private String rqspeNm;
+
+    @Column(name = "is_wibee_card", nullable = false)
+    private boolean isWibeeCard;
+
+    @Column(name = "is_added_shared_payment", nullable = false)
+    private boolean isAddedSharedPayment;
+
+    protected History(){};
+
+    @Builder
+    public History(Long id, Account account, LocalDateTime date,
+                   Integer rcvAm, Integer payAM, long balance,
+                   String rqspeNm, boolean isWibeeCard,
+                   boolean isAddedSharedPayment) {
+        this.id = id;
+        this.account = account;
+        this.date = date;
+        this.rcvAm = rcvAm;
+        this.payAM = payAM;
+        this.balance = balance;
+        this.rqspeNm = rqspeNm;
+        this.isWibeeCard = isWibeeCard;
+        this.isAddedSharedPayment = isAddedSharedPayment;
+    }
+
+    public void addedSharedPayment() {
+        this.isAddedSharedPayment = true;
+    }
+}
diff --git a/src/main/java/withbeetravel/domain/LogTitle.java b/src/main/java/withbeetravel/domain/LogTitle.java
new file mode 100644
index 00000000..59539d62
--- /dev/null
+++ b/src/main/java/withbeetravel/domain/LogTitle.java
@@ -0,0 +1,68 @@
+package withbeetravel.domain;
+
+import lombok.Getter;
+
+import java.text.DecimalFormat;
+
+public enum LogTitle {
+    PAYMENT_REQUEST("결제 내역 정리 요청",
+            "{0}의 여행이 끝났어요! 🚗💨<br /> 함께 사용한 비용들을 정리해 볼까요? 공동 결제 내역을 확인하고 마무리해 주세요.",
+            "travel/{0}/payments"),
+    SETTLEMENT_REQUEST("정산 요청",
+            "{0}에서 정산 요청을 보냈어요! 💸<br /> 함께한 비용을 확인하고, 나의 몫을 정산해 주세요.",
+            "travel/{0}/settlement"),
+    SETTLEMENT_PENDING("정산 보류",
+            "{0}의 정산이 보류됐어요! 💸<br /> " +
+                    "{1}님의 잔액이 부족한 상태에요. 계좌에 돈을 입금하고, 다시 한 번 정산에 동의해 주세요. 😊",
+            "banking/{0}"),
+    SETTLEMENT_CANCEL("정산 취소",
+            "{0}의 정산 요청이 취소되었습니다. 😌",
+            null),
+    SETTLEMENT_RE_REQUEST("정산 재요청",
+            "{0}의 정산 요청에 아직 동의하지 않았어요! 😅<br /> 혹시 잊으신 건 아닌가요? 빠르게 정산을 완료해 주세요.",
+            "travel/{0}/settlement"),
+    TRAVEL_MEMBER_ADDED("여행 멤버 합류",
+            "{0}님이 {1}에 합류했어요! 🎉<br />함께 멋진 추억을 만들어 보세요. 🥰",
+            "travel/{0}"),
+    SETTLEMENT_COMPLETE("정산 완료",
+            "{0}의 정산이 완료되었습니다. 정산금을 확인해주세요! 🎉<br /> " +
+                    "위비가 {1}원을 지원했습니다.🍀 위비와 함께하는 다음 여행도 기대해요!",
+            "banking/{0}");
+
+    @Getter
+    private final String title;
+    private final String messageTemplate;
+    private final String linkPattern;
+
+    LogTitle(String title, String messageTemplate, String linkPattern) {
+        this.title = title;
+        this.messageTemplate = messageTemplate;
+        this.linkPattern = linkPattern;
+    }
+
+    public String getMessage(String travelName) {
+        return messageTemplate.replace("{0}", travelName);
+    }
+
+    public String getMessage(String travelName, int additionalValue) {
+        if (additionalValue == 0) {
+            return travelName + "의 정산이 완료되었습니다! 🎉<br />위비와 함께하는 다음 여행도 기대해요!";
+        }
+        return messageTemplate
+                .replace("{0}", travelName)
+                .replace("{1}", formatter.format(additionalValue));
+    }
+
+    public String getMessage(String travelName, String name) {
+        return messageTemplate
+                .replace("{0}", travelName)
+                .replace("{1}", name);
+    }
+
+    public String getLinkPattern(long num) {
+        return linkPattern
+                .replace("{0}", String.valueOf(num));
+    }
+
+    DecimalFormat formatter = new DecimalFormat("###,###");
+}
diff --git a/src/main/java/withbeetravel/domain/LoginLog.java b/src/main/java/withbeetravel/domain/LoginLog.java
new file mode 100644
index 00000000..14c77b8c
--- /dev/null
+++ b/src/main/java/withbeetravel/domain/LoginLog.java
@@ -0,0 +1,50 @@
+package withbeetravel.domain;
+
+import jakarta.persistence.*;
+import lombok.Builder;
+import lombok.Getter;
+import lombok.RequiredArgsConstructor;
+import org.hibernate.annotations.CreationTimestamp;
+import java.time.LocalDateTime;
+
+@Entity
+@Getter
+@Table(name = "login_logs")
+public class LoginLog {
+
+    @Id
+    @GeneratedValue(strategy = GenerationType.IDENTITY)
+    @Column(name = "log_id", nullable = false)
+    private Long id;
+
+    @Enumerated(EnumType.STRING)
+    @Column(name = "login_log_type", nullable = false)
+    private LoginLogType loginLogType;
+
+    @ManyToOne(fetch = FetchType.LAZY)
+    @JoinColumn(name ="user_id",nullable = false)
+    private User user;
+
+    @Column(name = "description")
+    private String description; // 추가적인 설명 (예: 실패 이유, 트랜잭션 ID 등)
+
+    @CreationTimestamp
+    @Column(name = "created_at", nullable = false)
+    private LocalDateTime createdAt; // 로그 발생 시점
+
+    @Column(name = "ip_address")
+    private String ipAddress;
+
+    protected  LoginLog(){};
+
+    @Builder
+    public LoginLog(Long id, LoginLogType loginLogType, User user,
+                    String description, LocalDateTime createdAt, String ipAddress) {
+        this.id = id;
+        this.loginLogType = loginLogType;
+        this.user = user;
+        this.description = description;
+        this.createdAt = createdAt;
+        this.ipAddress = ipAddress;
+    }
+}
diff --git a/src/main/java/withbeetravel/domain/LoginLogType.java b/src/main/java/withbeetravel/domain/LoginLogType.java
new file mode 100644
index 00000000..cdd25ae4
--- /dev/null
+++ b/src/main/java/withbeetravel/domain/LoginLogType.java
@@ -0,0 +1,9 @@
+package withbeetravel.domain;
+
+public enum LoginLogType {
+    REGISTER,//가입 일자
+    LOGIN, // 로그인 기록
+    LOGIN_FAILED, // 로그인 실패 기록
+    LOGOUT // 로그아웃 기록
+
+}
diff --git a/src/main/java/withbeetravel/domain/PaymentParticipatedMember.java b/src/main/java/withbeetravel/domain/PaymentParticipatedMember.java
index 19d51cda..a7df2829 100644
--- a/src/main/java/withbeetravel/domain/PaymentParticipatedMember.java
+++ b/src/main/java/withbeetravel/domain/PaymentParticipatedMember.java
@@ -1,12 +1,15 @@
 package withbeetravel.domain;
 
 import jakarta.persistence.*;
+import lombok.AccessLevel;
 import lombok.Builder;
 import lombok.Getter;
+import lombok.NoArgsConstructor;
 
 @Entity
 @Getter
 @Table(name = "payment_participated_members")
+@NoArgsConstructor(access = AccessLevel.PROTECTED)
 public class PaymentParticipatedMember {
 
     @Id
@@ -22,12 +25,14 @@ public class PaymentParticipatedMember {
     @JoinColumn(name = "shared_payment_id", nullable = false)
     private SharedPayment sharedPayment;
 
-    protected PaymentParticipatedMember() {}
-
     @Builder
     public PaymentParticipatedMember(Long id, TravelMember travelMember, SharedPayment sharedPayment) {
         this.id = id;
         this.travelMember = travelMember;
         this.sharedPayment = sharedPayment;
     }
+
+    public void assignSharedPayment(SharedPayment sharedPayment) {
+        this.sharedPayment = sharedPayment;
+    }
 }
diff --git a/src/main/java/withbeetravel/domain/Product.java b/src/main/java/withbeetravel/domain/Product.java
new file mode 100644
index 00000000..06483024
--- /dev/null
+++ b/src/main/java/withbeetravel/domain/Product.java
@@ -0,0 +1,7 @@
+package withbeetravel.domain;
+
+public enum Product {
+    WON통장, 우리닷컴통장, 우리아이행복통장, WON파킹통장,으쓱통장, 보통예금
+
+}
+
diff --git a/src/main/java/withbeetravel/domain/RefreshToken.java b/src/main/java/withbeetravel/domain/RefreshToken.java
new file mode 100644
index 00000000..62fd9a13
--- /dev/null
+++ b/src/main/java/withbeetravel/domain/RefreshToken.java
@@ -0,0 +1,37 @@
+package withbeetravel.domain;
+
+import jakarta.persistence.*;
+import lombok.Builder;
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+
+import java.util.Date;
+
+@Entity
+@Table(name = "refresh_tokens")
+@Getter
+@NoArgsConstructor
+public class RefreshToken {
+
+    @Id
+    @GeneratedValue(strategy = GenerationType.IDENTITY)
+    private Long id;
+
+    @Column(name = "token")
+    private String token;
+
+    @OneToOne(fetch = FetchType.LAZY)
+    @JoinColumn(name = "user_id", nullable = false)
+    private User user;
+
+    @Column(name = "expiration_time", nullable = false)
+    private Date expirationTime;
+
+    @Builder
+    public RefreshToken(Long id, User user, String token, Date expirationTime) {
+        this.id = id;
+        this.user = user;
+        this.token = token;
+        this.expirationTime = expirationTime;
+    }
+}
diff --git a/src/main/java/withbeetravel/domain/RequestStatus.java b/src/main/java/withbeetravel/domain/RequestStatus.java
deleted file mode 100644
index ee9e8400..00000000
--- a/src/main/java/withbeetravel/domain/RequestStatus.java
+++ /dev/null
@@ -1,7 +0,0 @@
-package withbeetravel.domain;
-
-public enum RequestStatus {
-    ONGOING,
-    DONE,
-    CANCELED;
-}
diff --git a/src/main/java/withbeetravel/domain/RoleType.java b/src/main/java/withbeetravel/domain/RoleType.java
new file mode 100644
index 00000000..025a32b8
--- /dev/null
+++ b/src/main/java/withbeetravel/domain/RoleType.java
@@ -0,0 +1,5 @@
+package withbeetravel.domain;
+
+public enum RoleType {
+    USER, ADMIN
+}
diff --git a/src/main/java/withbeetravel/domain/SettlementRequest.java b/src/main/java/withbeetravel/domain/SettlementRequest.java
index 835879d1..dae73316 100644
--- a/src/main/java/withbeetravel/domain/SettlementRequest.java
+++ b/src/main/java/withbeetravel/domain/SettlementRequest.java
@@ -1,8 +1,10 @@
 package withbeetravel.domain;
 
 import jakarta.persistence.*;
+import lombok.AccessLevel;
 import lombok.Builder;
 import lombok.Getter;
+import lombok.NoArgsConstructor;
 import org.hibernate.annotations.CreationTimestamp;
 
 import java.time.LocalDateTime;
@@ -10,6 +12,7 @@
 @Entity
 @Getter
 @Table(name = "settlement_requests")
+@NoArgsConstructor(access = AccessLevel.PROTECTED)
 public class SettlementRequest {
 
     @Id
@@ -17,8 +20,8 @@ public class SettlementRequest {
     @Column(name = "settlement_request_id", nullable = false)
     private Long id;
 
-    @ManyToOne(fetch = FetchType.LAZY)
-    @JoinColumn(name = "travel_id", nullable = false)
+    @OneToOne
+    @JoinColumn(name = "travel_id")
     private Travel travel;
 
     @CreationTimestamp
@@ -28,23 +31,27 @@ public class SettlementRequest {
     @Column(name = "request_end_time")
     private LocalDateTime requestEndTime;
 
-
-    @Column(name = "request_status", nullable = false)
-    @Enumerated(EnumType.STRING)
-    private RequestStatus requestStatus;
-
-    protected SettlementRequest() {}
+    @Column(name = "disagree_count", nullable = false)
+    private int disagreeCount;
 
     @Builder
     public SettlementRequest(Long id,
                              Travel travel,
                              LocalDateTime requestStartTime,
                              LocalDateTime requestEndTime,
-                             RequestStatus requestStatus) {
+                             int disagreeCount) {
         this.id = id;
         this.travel = travel;
         this.requestStartTime = requestStartTime;
         this.requestEndTime = requestEndTime;
-        this.requestStatus = requestStatus;
+        this.disagreeCount = disagreeCount;
+    }
+
+    public void updateDisagreeCount(int count) {
+        this.disagreeCount += count;
+    }
+
+    public void updateRequestEndDate(LocalDateTime endTime) {
+        this.requestEndTime = endTime;
     }
 }
diff --git a/src/main/java/withbeetravel/domain/SettlementRequestLog.java b/src/main/java/withbeetravel/domain/SettlementRequestLog.java
index 3eea3f85..9243d592 100644
--- a/src/main/java/withbeetravel/domain/SettlementRequestLog.java
+++ b/src/main/java/withbeetravel/domain/SettlementRequestLog.java
@@ -1,14 +1,16 @@
 package withbeetravel.domain;
 
 import jakarta.persistence.*;
-import lombok.Builder;
-import lombok.Getter;
+import lombok.*;
+import org.hibernate.annotations.CreationTimestamp;
 
 import java.time.LocalDateTime;
 
 @Entity
 @Getter
 @Table(name = "settlement_request_logs")
+@NoArgsConstructor(access = AccessLevel.PROTECTED)
+@ToString
 public class SettlementRequestLog {
 
     @Id
@@ -17,22 +19,41 @@ public class SettlementRequestLog {
     private Long id;
 
     @ManyToOne(fetch = FetchType.LAZY)
-    @JoinColumn(name = "settlement_request_id", nullable = false)
-    private SettlementRequest settlementRequest;
+    @JoinColumn(name = "travel_id", nullable = false)
+    private Travel travel;
+
+    @ManyToOne(fetch = FetchType.LAZY)
+    @JoinColumn(name = "user_id", nullable = false)
+    private User user;
+
+    @Column(name = "log_title", nullable = false)
+    @Enumerated(EnumType.STRING)
+    private LogTitle logTitle;
 
     @Column(name = "log_message", nullable = false)
     private String logMessage;
 
-    @Column(name = "log_time", nullable = false)
+    @CreationTimestamp
+    @Column(name = "log_time")
     private LocalDateTime logTime;
 
-    protected SettlementRequestLog() {}
+    @Column(name = "link")
+    private String link;
 
     @Builder
-    public SettlementRequestLog(Long id, SettlementRequest settlementRequest, String logMessage, LocalDateTime logTime) {
+    public SettlementRequestLog(Long id,
+                                Travel travel,
+                                User user,
+                                LogTitle logTitle,
+                                String logMessage,
+                                LocalDateTime logTime,
+                                String link) {
         this.id = id;
-        this.settlementRequest = settlementRequest;
+        this.travel = travel;
+        this.user = user;
+        this.logTitle = logTitle;
         this.logMessage = logMessage;
         this.logTime = logTime;
+        this.link = link;
     }
 }
diff --git a/src/main/java/withbeetravel/domain/SharedPayment.java b/src/main/java/withbeetravel/domain/SharedPayment.java
index d0f9fc5d..ec101595 100644
--- a/src/main/java/withbeetravel/domain/SharedPayment.java
+++ b/src/main/java/withbeetravel/domain/SharedPayment.java
@@ -1,14 +1,19 @@
 package withbeetravel.domain;
 
 import jakarta.persistence.*;
+import lombok.AccessLevel;
 import lombok.Builder;
 import lombok.Getter;
+import lombok.NoArgsConstructor;
 
 import java.time.LocalDateTime;
+import java.util.ArrayList;
+import java.util.List;
 
 @Entity
 @Getter
 @Table(name = "shared_payments")
+@NoArgsConstructor(access = AccessLevel.PROTECTED)
 public class SharedPayment {
 
     @Id
@@ -20,6 +25,10 @@ public class SharedPayment {
     @JoinColumn(name = "added_by_member_id", nullable = false)
     private TravelMember addedByMember;
 
+    @ManyToOne(fetch = FetchType.LAZY)
+    @JoinColumn(name = "travel_id", nullable = false)
+    private Travel travel;
+
     @Column(name = "currency_unit", nullable = false)
     @Enumerated(EnumType.STRING)
     private CurrencyUnit currencyUnit;
@@ -28,22 +37,22 @@ public class SharedPayment {
     private int paymentAmount;
 
     @Column(name = "foreign_payment_amount")
-    private double foreignPaymentAmount;
+    private Double foreignPaymentAmount;
 
     @Column(name = "exchange_rate")
-    private double exchangeRate;
+    private Double exchangeRate;
 
     @Column(name = "payment_comment")
     private String paymentComment;
 
     @Column(name = "payment_image")
-    private String profileImage;
+    private String paymentImage;
 
     @Column(name = "is_manually_added", nullable = false)
-    private int isManuallyAdded;
+    private boolean isManuallyAdded;
 
-    @Column(name = "is_all_members_participated", nullable = false)
-    private int isAllMembersParticipated;
+    @Column(name = "participant_count", nullable = false)
+    private int participantCount;
 
     @Column(name = "category", nullable = false)
     @Enumerated(EnumType.STRING)
@@ -55,34 +64,76 @@ public class SharedPayment {
     @Column(name = "payment_date", nullable = false)
     private LocalDateTime paymentDate;
 
-    protected SharedPayment() {}
+    @OneToMany(mappedBy = "sharedPayment")
+    private List<PaymentParticipatedMember> paymentParticipatedMembers = new ArrayList<>();
 
     @Builder
     public SharedPayment(Long id,
                          TravelMember addedByMember,
+                         Travel travel,
                          CurrencyUnit currencyUnit,
                          int paymentAmount,
-                         double foreignPaymentAmount,
-                         double exchangeRate,
+                         Double foreignPaymentAmount,
+                         Double exchangeRate,
                          String paymentComment,
-                         String profileImage,
-                         int isManuallyAdded,
-                         int isAllMembersParticipated,
+                         String paymentImage,
+                         boolean isManuallyAdded,
+                         int participantCount,
                          Category category,
                          String storeName,
                          LocalDateTime paymentDate) {
         this.id = id;
         this.addedByMember = addedByMember;
+        this.travel = travel;
         this.currencyUnit = currencyUnit;
         this.paymentAmount = paymentAmount;
         this.foreignPaymentAmount = foreignPaymentAmount;
         this.exchangeRate = exchangeRate;
         this.paymentComment = paymentComment;
-        this.profileImage = profileImage;
+        this.paymentImage = paymentImage;
         this.isManuallyAdded = isManuallyAdded;
-        this.isAllMembersParticipated = isAllMembersParticipated;
+        this.participantCount = participantCount;
+        this.category = category;
+        this.storeName = storeName;
+        this.paymentDate = paymentDate;
+    }
+
+    public void updatePaymentImage(String newPaymentImage) {
+        this.paymentImage = newPaymentImage;
+    }
+
+    public void updatePaymentCommnet(String newPaymentComment) {
+        this.paymentComment = newPaymentComment;
+    }
+
+    public void updateParticipantCount(int newParticipantCount) {
+        this.participantCount = newParticipantCount;
+    }
+
+    public void updateManuallyPayment(
+            CurrencyUnit currencyUnit,
+            int paymentAmount,
+            Double foreignPaymentAmount,
+            Double exchangeRate,
+            String paymentComment,
+            String paymentImage,
+            Category category,
+            String storeName,
+            LocalDateTime paymentDate
+    ) {
+        this.currencyUnit = currencyUnit;
+        this.paymentAmount = paymentAmount;
+        this.foreignPaymentAmount = foreignPaymentAmount;
+        this.exchangeRate = exchangeRate;
+        this.paymentComment = paymentComment;
+        this.paymentImage = paymentImage;
         this.category = category;
         this.storeName = storeName;
         this.paymentDate = paymentDate;
     }
+
+    public void addPaymentParticipatedMember(PaymentParticipatedMember member) {
+        this.paymentParticipatedMembers.add(member);
+        member.assignSharedPayment(this);
+    }
 }
diff --git a/src/main/java/withbeetravel/domain/Travel.java b/src/main/java/withbeetravel/domain/Travel.java
index 93885c9a..6b430b80 100644
--- a/src/main/java/withbeetravel/domain/Travel.java
+++ b/src/main/java/withbeetravel/domain/Travel.java
@@ -1,13 +1,19 @@
 package withbeetravel.domain;
 
 import jakarta.persistence.*;
+import lombok.AccessLevel;
+import lombok.Builder;
 import lombok.Getter;
+import lombok.NoArgsConstructor;
 
 import java.time.LocalDate;
+import java.util.ArrayList;
+import java.util.List;
 
 @Entity
 @Getter
 @Table(name = "travels")
+@NoArgsConstructor(access = AccessLevel.PROTECTED)
 public class Travel {
 
     @Id
@@ -31,20 +37,27 @@ public class Travel {
     private String mainImage;
 
     @Column(name = "is_domestic_travel", nullable = false)
-    private int isDomesticTravel;
+    private boolean isDomesticTravel;
 
     @Column(name = "settlement_status", nullable = false)
     @Enumerated(value = EnumType.STRING)
     private SettlementStatus settlementStatus;
 
-    protected Travel() {}
+    @OneToMany(mappedBy = "travel")
+    private List<TravelMember> travelMembers = new ArrayList<>();
 
+    @OneToMany(mappedBy = "travel")
+    private List<TravelCountry> countries = new ArrayList<>();
+
+    @Builder
     public Travel(Long id,
                   String travelName,
                   LocalDate travelStartDate,
                   LocalDate travelEndDate,
                   String inviteCode,
-                  String mainImage, int isDomesticTravel, SettlementStatus settlementStatus) {
+                  String mainImage,
+                  boolean isDomesticTravel,
+                  SettlementStatus settlementStatus) {
         this.id = id;
         this.travelName = travelName;
         this.travelStartDate = travelStartDate;
@@ -54,4 +67,21 @@ public Travel(Long id,
         this.isDomesticTravel = isDomesticTravel;
         this.settlementStatus = settlementStatus;
     }
+
+    public void updateTravel(String travelName, LocalDate travelStartDate, LocalDate travelEndDate, boolean isDomesticTravel) {
+        this.travelName = travelName;
+        this.travelStartDate = travelStartDate;
+        this.travelEndDate = travelEndDate;
+        this.isDomesticTravel = isDomesticTravel;
+    }
+
+
+
+    public void updateMainImage(String newMainImage) {
+        this.mainImage = newMainImage;
+    }
+
+    public void updateSettlementStatus(SettlementStatus newSettlementStatus) {
+        this.settlementStatus = newSettlementStatus;
+    }
 }
diff --git a/src/main/java/withbeetravel/domain/TravelCountry.java b/src/main/java/withbeetravel/domain/TravelCountry.java
index 222c1f4e..c911ca83 100644
--- a/src/main/java/withbeetravel/domain/TravelCountry.java
+++ b/src/main/java/withbeetravel/domain/TravelCountry.java
@@ -1,12 +1,15 @@
 package withbeetravel.domain;
 
 import jakarta.persistence.*;
+import lombok.AccessLevel;
 import lombok.Builder;
 import lombok.Getter;
+import lombok.NoArgsConstructor;
 
 @Entity
 @Getter
 @Table(name = "travel_countries")
+@NoArgsConstructor(access = AccessLevel.PROTECTED)
 public class TravelCountry {
 
     @Id
@@ -18,12 +21,10 @@ public class TravelCountry {
     @Enumerated(value = EnumType.STRING)
     private Country country;
 
-    @JoinColumn(name = "travel_id", nullable = false)
     @ManyToOne(fetch = FetchType.LAZY)
+    @JoinColumn(name = "travel_id", nullable = false)
     private Travel travel;
 
-    protected TravelCountry() {}
-
     @Builder
     public TravelCountry(Long id, Country country, Travel travel) {
         this.id = id;
diff --git a/src/main/java/withbeetravel/domain/TravelMember.java b/src/main/java/withbeetravel/domain/TravelMember.java
index 43077c2c..6b612492 100644
--- a/src/main/java/withbeetravel/domain/TravelMember.java
+++ b/src/main/java/withbeetravel/domain/TravelMember.java
@@ -23,19 +23,22 @@ public class TravelMember {
     private User user;
 
     @Column(name = "is_captain", nullable = false)
-    private int isCaptain;
+    private boolean isCaptain;
 
-    @Column(name = "connected_account", nullable = false)
-    private String connectedAccount;
+    @OneToOne(mappedBy = "travelMember")
+    private TravelMemberSettlementHistory settlementHistory;
 
     protected TravelMember() {}
 
     @Builder
-    public TravelMember(Long id, Travel travel, User user, int isCaptain, String connectedAccount) {
+    public TravelMember(Long id, Travel travel, User user, boolean isCaptain) {
         this.id = id;
         this.travel = travel;
         this.user = user;
         this.isCaptain = isCaptain;
-        this.connectedAccount = connectedAccount;
+    }
+
+    public void initializeSettlementHistory() {
+        settlementHistory = null;
     }
 }
diff --git a/src/main/java/withbeetravel/domain/TravelMemberSettlementHistory.java b/src/main/java/withbeetravel/domain/TravelMemberSettlementHistory.java
index 127e6249..3c16a004 100644
--- a/src/main/java/withbeetravel/domain/TravelMemberSettlementHistory.java
+++ b/src/main/java/withbeetravel/domain/TravelMemberSettlementHistory.java
@@ -1,12 +1,15 @@
 package withbeetravel.domain;
 
 import jakarta.persistence.*;
+import lombok.AccessLevel;
 import lombok.Builder;
 import lombok.Getter;
+import lombok.NoArgsConstructor;
 
 @Entity
 @Getter
 @Table(name = "travel_member_settlement_histories")
+@NoArgsConstructor(access = AccessLevel.PROTECTED)
 public class TravelMemberSettlementHistory {
 
     @Id
@@ -23,23 +26,21 @@ public class TravelMemberSettlementHistory {
     private TravelMember travelMember;
 
     @Column(name = "own_payment_cost", nullable = false)
-    private double ownPaymentCost;
+    private int ownPaymentCost;
 
     @Column(name = "actual_burden_cost", nullable = false)
-    private double actualBurdenCost;
+    private int actualBurdenCost;
 
     @Column(name = "is_agreed", nullable = false)
-    private int isAgreed;
-
-    protected TravelMemberSettlementHistory() {}
+    private boolean isAgreed;
 
     @Builder
     public TravelMemberSettlementHistory(Long id,
                                          SettlementRequest settlementRequest,
                                          TravelMember travelMember,
-                                         double ownPaymentCost,
-                                         double actualBurdenCost,
-                                         int isAgreed) {
+                                         int ownPaymentCost,
+                                         int actualBurdenCost,
+                                         boolean isAgreed) {
         this.id = id;
         this.settlementRequest = settlementRequest;
         this.travelMember = travelMember;
@@ -47,4 +48,8 @@ public TravelMemberSettlementHistory(Long id,
         this.actualBurdenCost = actualBurdenCost;
         this.isAgreed = isAgreed;
     }
+
+    public void updateIsAgreed(boolean isAgreed) {
+        this.isAgreed = isAgreed;
+    }
 }
diff --git a/src/main/java/withbeetravel/domain/User.java b/src/main/java/withbeetravel/domain/User.java
index 3c5018ac..e3c47e74 100644
--- a/src/main/java/withbeetravel/domain/User.java
+++ b/src/main/java/withbeetravel/domain/User.java
@@ -1,12 +1,17 @@
 package withbeetravel.domain;
 
+import com.fasterxml.jackson.annotation.JsonManagedReference;
 import jakarta.persistence.*;
+import lombok.AccessLevel;
 import lombok.Builder;
 import lombok.Getter;
+import lombok.NoArgsConstructor;
+import org.springframework.security.crypto.bcrypt.BCrypt;
 
 @Entity
 @Getter
 @Table(name = "users")
+@NoArgsConstructor(access = AccessLevel.PROTECTED)
 public class User {
 
     @Id
@@ -14,6 +19,16 @@ public class User {
     @Column(name = "user_id", nullable = false)
     private Long id;
 
+    @OneToOne
+    @JoinColumn(name = "wibee_card_account")
+    @JsonManagedReference
+    private Account wibeeCardAccount;
+
+    @OneToOne
+    @JoinColumn(name = "connected_account")
+    @JsonManagedReference
+    private Account connectedAccount;
+
     @Column(name = "email", nullable = false)
     private String email;
 
@@ -26,22 +41,60 @@ public class User {
     @Column(name = "name", nullable = false)
     private String name;
 
-    @Column(name = "has_card", nullable = false)
-    private int hasCard;
-
     @Column(name = "profile_image", nullable = false)
-    private String profileImage;
+    private int profileImage;
+
+    @Column(name = "failed_pin_count", nullable = false)
+    private int failedPinCount;
+
+    @Column(name = "pin_locked", nullable = false)
+    private boolean pinLocked;
+
+    @Column(name = "role", nullable = false)
+    @Enumerated(EnumType.STRING)
+    private RoleType roleType;
 
-    protected User() {}
 
     @Builder
-    public User(Long id, String email, String password, String pinNumber, String name, int hasCard, String profileImage) {
+    public User(Long id, Account wibeeCardAccount, Account connectedAccount, String email,
+                String password, String pinNumber, String name,
+                int profileImage, int failedPinCount, boolean pinLocked, RoleType roleType) {
         this.id = id;
+        this.wibeeCardAccount = wibeeCardAccount;
+        this.connectedAccount = connectedAccount;
         this.email = email;
         this.password = password;
-        this.pinNumber = pinNumber;
+        this.pinNumber = BCrypt.hashpw(pinNumber, BCrypt.gensalt());
         this.name = name;
-        this.hasCard = hasCard;
         this.profileImage = profileImage;
+        this.failedPinCount = failedPinCount;
+        this.pinLocked = pinLocked;
+        this.roleType = roleType;
+    }
+
+    public void updateWibeeCardAccount(Account account) {
+        this.wibeeCardAccount = account;
     }
+
+    public void updateConnectedAccount(Account account){
+        this.connectedAccount = account;
+    }
+
+    public void incrementFailedPinCount() {
+        this.failedPinCount++;
+        if (this.failedPinCount >= 5) {
+            this.pinLocked = true;  // 실패 5회 이상 시 계정 잠금
+        }
+    }
+
+    public void resetFailedPinCount() {
+        this.failedPinCount = 0;
+        this.pinLocked = false;  // 계정 잠금 해제
+    }
+
+    public boolean validatePin(String rawPin) {
+        // 예시: BCrypt로 비교하는 방법
+        return BCrypt.checkpw(rawPin, this.pinNumber);
+    }
+
 }
diff --git a/src/main/java/withbeetravel/dto/request/account/AccountNumberRequest.java b/src/main/java/withbeetravel/dto/request/account/AccountNumberRequest.java
new file mode 100644
index 00000000..f22ebc3e
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/request/account/AccountNumberRequest.java
@@ -0,0 +1,8 @@
+package withbeetravel.dto.request.account;
+
+import lombok.Data;
+
+@Data
+public class AccountNumberRequest {
+    private String accountNumber;
+}
diff --git a/src/main/java/withbeetravel/dto/request/account/AccountRequest.java b/src/main/java/withbeetravel/dto/request/account/AccountRequest.java
new file mode 100644
index 00000000..d94c451d
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/request/account/AccountRequest.java
@@ -0,0 +1,19 @@
+package withbeetravel.dto.request.account;
+
+import lombok.AllArgsConstructor;
+import lombok.Builder;
+import lombok.Getter;
+import withbeetravel.domain.Product;
+
+@Getter
+@AllArgsConstructor
+@Builder
+public class AccountRequest {
+
+    private String accountNumber;
+    private long balance;
+    private Product product;
+    private boolean isConnected;
+
+
+}
diff --git a/src/main/java/withbeetravel/dto/request/account/CardCompletedRequest.java b/src/main/java/withbeetravel/dto/request/account/CardCompletedRequest.java
new file mode 100644
index 00000000..e811cc71
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/request/account/CardCompletedRequest.java
@@ -0,0 +1,14 @@
+package withbeetravel.dto.request.account;
+
+import lombok.AllArgsConstructor;
+import lombok.Getter;
+
+@Getter
+@AllArgsConstructor
+public class CardCompletedRequest {
+
+//   카드 발급 없이 계좌 연결 -> wibeeCardAccountId : null, connectedAccountId : 계좌번호
+//   카드 발급 계좌 연결 -> wibeeCardAccountId : 계좌 번호, connectedAccountId : 계좌번호
+    private Long accountId;
+    private boolean isWibeeCard;
+}
diff --git a/src/main/java/withbeetravel/dto/request/account/CreateAccountRequest.java b/src/main/java/withbeetravel/dto/request/account/CreateAccountRequest.java
new file mode 100644
index 00000000..351b34db
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/request/account/CreateAccountRequest.java
@@ -0,0 +1,15 @@
+package withbeetravel.dto.request.account;
+
+import lombok.AllArgsConstructor;
+import lombok.Builder;
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+import withbeetravel.domain.Product;
+
+@Getter
+@Builder
+@NoArgsConstructor
+@AllArgsConstructor
+public class CreateAccountRequest {
+    private Product product;
+}
diff --git a/src/main/java/withbeetravel/dto/request/account/DepositRequest.java b/src/main/java/withbeetravel/dto/request/account/DepositRequest.java
new file mode 100644
index 00000000..ab7717cf
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/request/account/DepositRequest.java
@@ -0,0 +1,9 @@
+package withbeetravel.dto.request.account;
+
+import lombok.Getter;
+
+@Getter
+public class DepositRequest {
+    private int amount;
+    private String rqspeNm;
+}
diff --git a/src/main/java/withbeetravel/dto/request/account/HistoryRequest.java b/src/main/java/withbeetravel/dto/request/account/HistoryRequest.java
new file mode 100644
index 00000000..97a9d792
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/request/account/HistoryRequest.java
@@ -0,0 +1,29 @@
+package withbeetravel.dto.request.account;
+
+import com.fasterxml.jackson.annotation.JsonProperty;
+import io.swagger.v3.oas.annotations.media.Schema;
+import lombok.Getter;
+
+@Getter
+@Schema(description = "계좌 내역 Request DTO")
+public class HistoryRequest {
+
+    @Schema(
+            description = "결제 금액",
+            example = "8900"
+    )
+    private Integer payAm;
+
+    @Schema(
+            description = "상호명",
+            example = "Tokyo Banana"
+    )
+    private String rqspeNm;
+
+    @Schema(
+            description = "위비카드로 결제 여부",
+            example = "true/false"
+    )
+    @JsonProperty("isWibeeCard")
+    private boolean isWibeeCard;
+}
diff --git a/src/main/java/withbeetravel/dto/request/account/PinNumberRequest.java b/src/main/java/withbeetravel/dto/request/account/PinNumberRequest.java
new file mode 100644
index 00000000..0ebb4bfc
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/request/account/PinNumberRequest.java
@@ -0,0 +1,8 @@
+package withbeetravel.dto.request.account;
+
+import lombok.Getter;
+
+@Getter
+public class PinNumberRequest {
+    private String pinNumber;
+}
diff --git a/src/main/java/withbeetravel/dto/request/account/TransferRequest.java b/src/main/java/withbeetravel/dto/request/account/TransferRequest.java
new file mode 100644
index 00000000..3d444dc9
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/request/account/TransferRequest.java
@@ -0,0 +1,12 @@
+package withbeetravel.dto.request.account;
+
+import lombok.Getter;
+
+@Getter
+public class TransferRequest {
+
+    private Long accountId;
+    private int amount;
+    private String accountNumber;
+    private String rqspeNm;
+}
diff --git a/src/main/java/withbeetravel/dto/request/admin/LoginLogRequest.java b/src/main/java/withbeetravel/dto/request/admin/LoginLogRequest.java
new file mode 100644
index 00000000..08106ad9
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/request/admin/LoginLogRequest.java
@@ -0,0 +1,26 @@
+package withbeetravel.dto.request.admin;
+
+import lombok.Getter;
+import withbeetravel.domain.LoginLogType;
+
+@Getter
+public class LoginLogRequest {
+    private Long userId;
+    private int page;
+    private int size;
+    private String loginLogType;
+
+    public LoginLogRequest(Long userId, int page, int size, String loginLogType) {
+        this.userId = userId;
+        this.page = page;
+        this.size = size;
+        this.loginLogType = loginLogType;
+    }
+
+    public LoginLogType getLoginLogType() {
+        if (loginLogType != null) {
+            return LoginLogType.valueOf(loginLogType.toUpperCase()); // String을 Enum으로 변환
+        }
+        return null;
+    }
+}
diff --git a/src/main/java/withbeetravel/dto/request/admin/TravelAdminRequest.java b/src/main/java/withbeetravel/dto/request/admin/TravelAdminRequest.java
new file mode 100644
index 00000000..590620c5
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/request/admin/TravelAdminRequest.java
@@ -0,0 +1,12 @@
+package withbeetravel.dto.request.admin;
+
+import lombok.Builder;
+import lombok.Data;
+
+@Data
+@Builder
+public class TravelAdminRequest {
+    private int page;
+    private int size;
+    private Long userId;
+}
diff --git a/src/main/java/withbeetravel/dto/request/admin/UserRequest.java b/src/main/java/withbeetravel/dto/request/admin/UserRequest.java
new file mode 100644
index 00000000..368a7d27
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/request/admin/UserRequest.java
@@ -0,0 +1,13 @@
+package withbeetravel.dto.request.admin;
+
+import lombok.Builder;
+import lombok.Data;
+import lombok.Getter;
+
+@Data
+@Builder
+public class UserRequest {
+    private String name;
+    private int page;
+    private int size;
+}
diff --git a/src/main/java/withbeetravel/dto/request/auth/CustomUserInfo.java b/src/main/java/withbeetravel/dto/request/auth/CustomUserInfo.java
new file mode 100644
index 00000000..b9d74c26
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/request/auth/CustomUserInfo.java
@@ -0,0 +1,39 @@
+package withbeetravel.dto.request.auth;
+
+import lombok.Builder;
+import lombok.Getter;
+import withbeetravel.domain.RoleType;
+import withbeetravel.domain.User;
+
+// 로직 내부에서 인증 유저 정보를 저장해둘 dto
+@Getter
+public class CustomUserInfo {
+    private Long id;
+    private String email;
+    private String password;
+    private String name;
+    private RoleType role;
+
+    @Builder
+    public CustomUserInfo(Long id,
+                          String email,
+                          String password,
+                          String name,
+                          RoleType role) {
+        this.id = id;
+        this.email = email;
+        this.password = password;
+        this.name = name;
+        this.role = role;
+    }
+
+    public static CustomUserInfo from(User user) {
+        return CustomUserInfo.builder()
+                .id(user.getId())
+                .email(user.getEmail())
+                .password(user.getPassword())
+                .name(user.getName())
+                .role(user.getRoleType())
+                .build();
+    }
+}
diff --git a/src/main/java/withbeetravel/dto/request/auth/SignInRequest.java b/src/main/java/withbeetravel/dto/request/auth/SignInRequest.java
new file mode 100644
index 00000000..d730b6c9
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/request/auth/SignInRequest.java
@@ -0,0 +1,21 @@
+package withbeetravel.dto.request.auth;
+
+import jakarta.validation.constraints.Email;
+import jakarta.validation.constraints.NotNull;
+import lombok.Getter;
+
+@Getter
+public class SignInRequest {
+
+    @NotNull(message = "이메일 입력은 필수입니다.")
+    @Email(message = "잘못된 이메일 형식입니다.")
+    private String email;
+
+    @NotNull(message = "비밀번호 입력은 필수입니다.")
+    private String password;
+
+    public SignInRequest(String email, String password) {
+        this.email = email;
+        this.password = password;
+    }
+}
diff --git a/src/main/java/withbeetravel/dto/request/auth/SignUpRequest.java b/src/main/java/withbeetravel/dto/request/auth/SignUpRequest.java
new file mode 100644
index 00000000..ae23fcea
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/request/auth/SignUpRequest.java
@@ -0,0 +1,32 @@
+package withbeetravel.dto.request.auth;
+
+import jakarta.validation.constraints.*;
+import lombok.Getter;
+
+// 회원가입 DTO
+@Getter
+public class SignUpRequest {
+
+    @NotBlank(message = "이메일은 필수 입력 값입니다.")
+    @Email(message = "잘못된 이메일 형식입니다.")
+    private String email;
+
+    @NotBlank(message = "비밀번호는 필수 입력 값입니다.")
+    @Pattern(
+            regexp = "^(?=.*[a-zA-Z])(?=.*\\d)(?=.*[!@#$%^&*]).{10,}$",
+            message = "비밀번호는 영어, 숫자, 특수문자를 포함해 최소 10자 이상만 가능합니다.")
+    private String password;
+
+    @NotBlank(message = "핀번호는 필수 입력 값입니다.")
+    private String pinNumber;
+
+    @NotBlank(message = "이름은 필수 입력 값입니다.")
+    private String name;
+
+    public SignUpRequest(String email, String password, String pinNumber, String name) {
+        this.email = email;
+        this.password = password;
+        this.pinNumber = pinNumber;
+        this.name = name;
+    }
+}
diff --git a/src/main/java/withbeetravel/dto/request/payment/SharedPaymentParticipateRequest.java b/src/main/java/withbeetravel/dto/request/payment/SharedPaymentParticipateRequest.java
new file mode 100644
index 00000000..9724b8b7
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/request/payment/SharedPaymentParticipateRequest.java
@@ -0,0 +1,21 @@
+package withbeetravel.dto.request.payment;
+
+import io.swagger.v3.oas.annotations.media.Schema;
+import lombok.AllArgsConstructor;
+import lombok.Data;
+import lombok.NoArgsConstructor;
+
+import java.util.List;
+
+@Data
+@Schema(description = "공동 결제 내역 참여 멤버 수정 Request DTO")
+@NoArgsConstructor
+@AllArgsConstructor
+public class SharedPaymentParticipateRequest {
+
+    @Schema(
+            description = "공동 결제 내역 참여 멤버 리스트",
+            example = "[17, 19, 22, 27]"
+    )
+    private List<Long> travelMembersId;
+}
diff --git a/src/main/java/withbeetravel/dto/request/payment/SharedPaymentSearchRequest.java b/src/main/java/withbeetravel/dto/request/payment/SharedPaymentSearchRequest.java
new file mode 100644
index 00000000..bc4af691
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/request/payment/SharedPaymentSearchRequest.java
@@ -0,0 +1,35 @@
+package withbeetravel.dto.request.payment;
+
+import io.swagger.v3.oas.annotations.media.Schema;
+import jakarta.validation.constraints.Pattern;
+import lombok.Data;
+import org.springframework.format.annotation.DateTimeFormat;
+
+import java.time.LocalDate;
+
+@Data
+@Schema(description = "공동 결제 내역 필터 Request DTO")
+public class SharedPaymentSearchRequest {
+    @Schema(description = "페이지 번호")
+    private int page = 0;
+
+    @Schema(description = "정렬 기준 (latest/amount)", defaultValue = "latest", allowableValues = {"latest", "amount"})
+    @Pattern(regexp = "^(latest|amount)$", message = "정렬 기준은 latest 또는 amount만 가능합니다.")
+    private String sortBy = "latest";
+
+    @Schema(description = "시작 날짜")
+    @DateTimeFormat(pattern = "yyyy-MM-dd")
+    private LocalDate startDate;
+
+    @Schema(description = "종료 날짜")
+    @DateTimeFormat(pattern = "yyyy-MM-dd")
+    private LocalDate endDate;
+
+    @Schema(description = "특정 멤버의 결제만 보기")
+    private Long memberId;
+
+    @Schema(description = "여행 카테고리", allowableValues = {"항공", "교통", "숙박", "식비", "관광", "액티비티", "쇼핑", "기타"})
+    @Pattern(regexp = "^(항공|교통|숙박|식비|관광|액티비티|쇼핑|기타)?$",
+            message = "유효하지 않은 카테고리입니다.")
+    private String category;
+}
\ No newline at end of file
diff --git a/src/main/java/withbeetravel/dto/request/payment/SharedPaymentWibeeCardRegisterRequest.java b/src/main/java/withbeetravel/dto/request/payment/SharedPaymentWibeeCardRegisterRequest.java
new file mode 100644
index 00000000..8b781981
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/request/payment/SharedPaymentWibeeCardRegisterRequest.java
@@ -0,0 +1,17 @@
+package withbeetravel.dto.request.payment;
+
+import io.swagger.v3.oas.annotations.media.Schema;
+import lombok.Data;
+
+import java.util.List;
+
+@Data
+@Schema(description = "위비 카드 결제 내역 공동 결제 내역에 추가 Request DTO")
+public class SharedPaymentWibeeCardRegisterRequest {
+
+    @Schema(
+            description = "위비 카드 연동 계좌의 계좌 내역 Id",
+            example = "[17, 19, 22, 27]"
+    )
+    List<Long> historyId;
+}
diff --git a/src/main/java/withbeetravel/dto/request/settlementRequestLog/SettlementRequestLogDto.java b/src/main/java/withbeetravel/dto/request/settlementRequestLog/SettlementRequestLogDto.java
new file mode 100644
index 00000000..a0df8f35
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/request/settlementRequestLog/SettlementRequestLogDto.java
@@ -0,0 +1,35 @@
+package withbeetravel.dto.request.settlementRequestLog;
+
+import lombok.Builder;
+import lombok.Getter;
+import withbeetravel.domain.SettlementRequestLog;
+
+import java.time.LocalDateTime;
+
+@Getter
+public class SettlementRequestLogDto {
+    private Long id;
+    private LocalDateTime logTime;
+    private String logTitle;
+    private String logMessage;
+    private String link;
+
+    @Builder
+    public SettlementRequestLogDto(Long id, LocalDateTime logTime, String logTitle, String logMessage, String link) {
+        this.id = id;
+        this.logTime = logTime;
+        this.logTitle = logTitle;
+        this.logMessage = logMessage;
+        this.link = link;
+    }
+
+    public static SettlementRequestLogDto of (SettlementRequestLog settlementRequestLog, String link) {
+        return SettlementRequestLogDto.builder()
+                .id(settlementRequestLog.getId())
+                .logTime(settlementRequestLog.getLogTime())
+                .logTitle(settlementRequestLog.getLogTitle().getTitle())
+                .logMessage(settlementRequestLog.getLogMessage())
+                .link(link)
+                .build();
+    }
+}
diff --git a/src/main/java/withbeetravel/dto/request/travel/InviteCodeSignUpRequest.java b/src/main/java/withbeetravel/dto/request/travel/InviteCodeSignUpRequest.java
new file mode 100644
index 00000000..d9d7e888
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/request/travel/InviteCodeSignUpRequest.java
@@ -0,0 +1,17 @@
+package withbeetravel.dto.request.travel;
+
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+import lombok.Setter;
+
+@Getter
+@Setter
+@NoArgsConstructor
+public class InviteCodeSignUpRequest {
+
+    private String inviteCode;
+
+    public InviteCodeSignUpRequest(String inviteCode) {
+        this.inviteCode = inviteCode;
+    }
+}
diff --git a/src/main/java/withbeetravel/dto/request/travel/TravelRequest.java b/src/main/java/withbeetravel/dto/request/travel/TravelRequest.java
new file mode 100644
index 00000000..2c23d557
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/request/travel/TravelRequest.java
@@ -0,0 +1,24 @@
+package withbeetravel.dto.request.travel;
+
+
+import lombok.AllArgsConstructor;
+import lombok.Getter;
+import lombok.Setter;
+import java.util.List;
+
+@Getter
+@Setter
+@AllArgsConstructor
+public class TravelRequest {
+
+    private String travelName;
+    
+    private boolean isDomesticTravel;
+
+    private List<String> travelCountries;
+
+    private String travelStartDate;
+
+    private String travelEndDate;
+
+}
diff --git a/src/main/java/withbeetravel/exception/dto/ErrorResponseDto.java b/src/main/java/withbeetravel/dto/response/ErrorResponse.java
similarity index 54%
rename from src/main/java/withbeetravel/exception/dto/ErrorResponseDto.java
rename to src/main/java/withbeetravel/dto/response/ErrorResponse.java
index 03110b11..abb4a813 100644
--- a/src/main/java/withbeetravel/exception/dto/ErrorResponseDto.java
+++ b/src/main/java/withbeetravel/dto/response/ErrorResponse.java
@@ -1,5 +1,6 @@
-package withbeetravel.exception.dto;
+package withbeetravel.dto.response;
 
+import io.swagger.v3.oas.annotations.media.Schema;
 import lombok.Builder;
 import lombok.Getter;
 import org.springframework.http.ResponseEntity;
@@ -7,18 +8,26 @@
 
 @Getter
 @Builder
-public class ErrorResponseDto {
+@Schema(description = "Error에 대한 Response DTO")
+public class ErrorResponse {
 
+    @Schema(description = "HTTP 상태 코드")
     private int status;
+
+    @Schema(description = "에러명")
     private String name;
+
+    @Schema(description = "에러 코드")
     private String code;
+
+    @Schema(description = "에러 메세지")
     private String message;
 
-    public static ResponseEntity<ErrorResponseDto> toResponseEntity(ErrorCode e) {
+    public static ResponseEntity<ErrorResponse> toResponseEntity(ErrorCode e) {
 
         return ResponseEntity
                 .status(e.getStatus())
-                .body(ErrorResponseDto.builder()
+                .body(ErrorResponse.builder()
                         .status(e.getStatus().value())
                         .name(e.getName())
                         .code(e.getCode())
diff --git a/src/main/java/withbeetravel/dto/response/SuccessResponse.java b/src/main/java/withbeetravel/dto/response/SuccessResponse.java
new file mode 100644
index 00000000..acfd3f79
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/response/SuccessResponse.java
@@ -0,0 +1,36 @@
+package withbeetravel.dto.response;
+
+import com.fasterxml.jackson.annotation.JsonInclude;
+import io.swagger.v3.oas.annotations.media.Schema;
+import lombok.*;
+
+@Data
+@Builder
+@JsonInclude(JsonInclude.Include.NON_NULL)
+@Schema(description = "요청 성공에 대한 Response DTO")
+public class SuccessResponse<T> {
+
+    @Schema(description = "HTTP 상태 코드")
+    private final int status;
+
+    @Schema(description = "성공 메세지")
+    private final String message;
+
+    @Schema(description = "응답 데이터")
+    private final T data;
+
+    public static <T> SuccessResponse<T> of(int status, String message, T data) {
+        return SuccessResponse.<T>builder()
+                .status(status)
+                .message(message)
+                .data(data)
+                .build();
+    }
+
+    public static <T> SuccessResponse<T> of(int status, String message) {
+        return SuccessResponse.<T>builder()
+                .status(status)
+                .message(message)
+                .build();
+    }
+}
diff --git a/src/main/java/withbeetravel/dto/response/account/AccountConnectedWibeeResponse.java b/src/main/java/withbeetravel/dto/response/account/AccountConnectedWibeeResponse.java
new file mode 100644
index 00000000..17eaf45f
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/response/account/AccountConnectedWibeeResponse.java
@@ -0,0 +1,10 @@
+package withbeetravel.dto.response.account;
+
+import lombok.AllArgsConstructor;
+import lombok.Getter;
+
+@Getter
+@AllArgsConstructor
+public class AccountConnectedWibeeResponse {
+    private boolean isConnectedWibeeCard;
+}
diff --git a/src/main/java/withbeetravel/dto/response/account/AccountOwnerNameResponse.java b/src/main/java/withbeetravel/dto/response/account/AccountOwnerNameResponse.java
new file mode 100644
index 00000000..d1bc07a7
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/response/account/AccountOwnerNameResponse.java
@@ -0,0 +1,10 @@
+package withbeetravel.dto.response.account;
+
+import lombok.AllArgsConstructor;
+import lombok.Getter;
+
+@Getter
+@AllArgsConstructor
+public class AccountOwnerNameResponse {
+    private String name;
+}
diff --git a/src/main/java/withbeetravel/dto/response/account/AccountResponse.java b/src/main/java/withbeetravel/dto/response/account/AccountResponse.java
new file mode 100644
index 00000000..76eaf922
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/response/account/AccountResponse.java
@@ -0,0 +1,26 @@
+package withbeetravel.dto.response.account;
+
+import lombok.Getter;
+import withbeetravel.domain.Account;
+import withbeetravel.domain.Product;
+
+@Getter
+public class AccountResponse {
+
+    private Long accountId;
+    private String accountNumber;
+    private long balance;
+    private Product product;
+
+    public AccountResponse(Long accountId,String accountNumber, long balance, Product product){
+        this.accountId = accountId;
+        this.accountNumber = accountNumber;
+        this.balance = balance;
+        this.product = product;
+    }
+
+    public static AccountResponse from(Account account){
+        return new AccountResponse(account.getId(), account.getAccountNumber(), account.getBalance(), account.getProduct());
+    }
+
+}
diff --git a/src/main/java/withbeetravel/dto/response/account/HistoryResponse.java b/src/main/java/withbeetravel/dto/response/account/HistoryResponse.java
new file mode 100644
index 00000000..d9d33bae
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/response/account/HistoryResponse.java
@@ -0,0 +1,31 @@
+package withbeetravel.dto.response.account;
+
+import lombok.Getter;
+import withbeetravel.domain.History;
+
+import java.time.LocalDateTime;
+
+@Getter
+public class HistoryResponse {
+
+    private LocalDateTime date;
+    private Integer rcvAm;
+    private Integer payAm;
+    private long balance;
+    private String rqspeNm;
+
+    public HistoryResponse(LocalDateTime date, Integer rcvAm,
+                           Integer payAm, long balance, String rqspeNm) {
+        this.date = date;
+        this.rcvAm = rcvAm;
+        this.payAm = payAm;
+        this.balance = balance;
+        this.rqspeNm = rqspeNm;
+    }
+
+    public static HistoryResponse from(History history){
+
+        return new HistoryResponse(history.getDate(), history.getRcvAm(),
+                history.getPayAM(), history.getBalance(), history.getRqspeNm());
+    }
+}
diff --git a/src/main/java/withbeetravel/dto/response/account/PinNumberResponse.java b/src/main/java/withbeetravel/dto/response/account/PinNumberResponse.java
new file mode 100644
index 00000000..f3d4a043
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/response/account/PinNumberResponse.java
@@ -0,0 +1,11 @@
+package withbeetravel.dto.response.account;
+
+import lombok.AllArgsConstructor;
+import lombok.Getter;
+
+@Getter
+@AllArgsConstructor
+public class PinNumberResponse {
+    private int failedPinCount;
+    private boolean pinLocked;
+}
diff --git a/src/main/java/withbeetravel/dto/response/account/WibeeCardHistoryListResponse.java b/src/main/java/withbeetravel/dto/response/account/WibeeCardHistoryListResponse.java
new file mode 100644
index 00000000..3afc5a63
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/response/account/WibeeCardHistoryListResponse.java
@@ -0,0 +1,22 @@
+package withbeetravel.dto.response.account;
+
+import io.swagger.v3.oas.annotations.media.Schema;
+import lombok.Builder;
+import lombok.Data;
+
+import java.util.List;
+
+@Data
+@Builder
+@Schema(description = "위비 카드 결제 내역 리스트 Response DTO")
+public class WibeeCardHistoryListResponse {
+
+    @Schema(description = "결제 내역 시작 범위")
+    private String startDate;
+
+    @Schema(description = "결제 내역 끝 범위")
+    private String endDate;
+
+    @Schema(description = "결제 내역 리스트")
+    private List<WibeeCardHistoryResponse> histories;
+}
diff --git a/src/main/java/withbeetravel/dto/response/account/WibeeCardHistoryResponse.java b/src/main/java/withbeetravel/dto/response/account/WibeeCardHistoryResponse.java
new file mode 100644
index 00000000..a3f49d5f
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/response/account/WibeeCardHistoryResponse.java
@@ -0,0 +1,39 @@
+package withbeetravel.dto.response.account;
+
+import io.swagger.v3.oas.annotations.media.Schema;
+import lombok.Builder;
+import lombok.Data;
+import withbeetravel.domain.History;
+
+import java.time.LocalDateTime;
+
+@Data
+@Builder
+@Schema(description = "위비 카드 결제 내역 정보 Response DTO")
+public class WibeeCardHistoryResponse {
+
+    @Schema(description = "결제 내역 ID")
+    private Long id;
+
+    @Schema(description = "결제 시간")
+    private LocalDateTime date;
+
+    @Schema(description = "결제 금액")
+    private int paymentAmount;
+
+    @Schema(description = "상호명")
+    private String storeName;
+
+    @Schema(description = "공동 결제 내역 추가 여부")
+    private boolean isAddedSharedPayment;
+
+    public static WibeeCardHistoryResponse from (History history) {
+        return WibeeCardHistoryResponse.builder()
+                .id(history.getId())
+                .date(history.getDate())
+                .paymentAmount(history.getPayAM())
+                .storeName(history.getRqspeNm())
+                .isAddedSharedPayment(history.isAddedSharedPayment())
+                .build();
+    }
+}
diff --git a/src/main/java/withbeetravel/dto/response/admin/DashboardResponse.java b/src/main/java/withbeetravel/dto/response/admin/DashboardResponse.java
new file mode 100644
index 00000000..d8ea33b6
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/response/admin/DashboardResponse.java
@@ -0,0 +1,13 @@
+package withbeetravel.dto.response.admin;
+
+
+import lombok.Builder;
+import lombok.Data;
+
+@Data
+@Builder
+public class DashboardResponse {
+    private long loginCount;
+    private long totalUser;
+    private long totalTravel;
+}
diff --git a/src/main/java/withbeetravel/dto/response/admin/LoginLogResponse.java b/src/main/java/withbeetravel/dto/response/admin/LoginLogResponse.java
new file mode 100644
index 00000000..769d0506
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/response/admin/LoginLogResponse.java
@@ -0,0 +1,41 @@
+package withbeetravel.dto.response.admin;
+
+import lombok.Getter;
+import withbeetravel.domain.LoginLog;
+
+@Getter
+public class LoginLogResponse {
+
+    private Long logId;
+    private String createdAt;
+    private String description;
+    private String ipAddress;
+    private String logType;
+    private Long userId;
+
+    // 기본 생성자
+    public LoginLogResponse(Long logId, String createdAt, String description, String ipAddress, String logType, Long userId) {
+        this.logId = logId;
+        this.createdAt = createdAt;
+        this.description = description;
+        this.ipAddress = ipAddress;
+        this.logType = logType;
+        this.userId = userId;
+    }
+
+    public static LoginLogResponse of(Long logId, String createdAt, String description, String ipAddress, String logType, Long userId) {
+        return new LoginLogResponse(logId, createdAt, description, ipAddress, logType, userId);
+    }
+
+    public static LoginLogResponse from(LoginLog loginLog) {
+        return new LoginLogResponse(
+                loginLog.getId(),
+                loginLog.getCreatedAt().toString(),
+                loginLog.getDescription(),
+                loginLog.getIpAddress(),
+                loginLog.getLoginLogType().toString(),
+                loginLog.getUser().getId()
+        );
+    }
+
+}
diff --git a/src/main/java/withbeetravel/dto/response/admin/TravelAdminResponse.java b/src/main/java/withbeetravel/dto/response/admin/TravelAdminResponse.java
new file mode 100644
index 00000000..d8b6184f
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/response/admin/TravelAdminResponse.java
@@ -0,0 +1,26 @@
+package withbeetravel.dto.response.admin;
+
+import lombok.Builder;
+import lombok.Data;
+
+@Data
+@Builder
+public class TravelAdminResponse {
+
+    private Long travelId;
+
+    private String travelName;
+
+    private String travelType;
+
+    private String travelStartDate;
+
+    private String travelEndDate;
+
+    private int totalMember;
+
+    private Long captainId;
+
+    private String settlementStatus;
+
+}
diff --git a/src/main/java/withbeetravel/dto/response/admin/UserResponse.java b/src/main/java/withbeetravel/dto/response/admin/UserResponse.java
new file mode 100644
index 00000000..f57e40ec
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/response/admin/UserResponse.java
@@ -0,0 +1,32 @@
+package withbeetravel.dto.response.admin;
+
+import lombok.Builder;
+import lombok.Data;
+import withbeetravel.domain.LoginLog;
+import withbeetravel.domain.User;
+
+import java.time.LocalDateTime;
+
+@Data
+@Builder
+public class UserResponse {
+    private Long userId;
+    private String userEmail;
+    private String userName;
+    private boolean userPinLocked;
+    private String userRoleType;
+    private String createAt;
+    private String recentLogin;
+
+    public static UserResponse from(User user, LoginLog register, LoginLog loginLog){
+        return new UserResponse(
+                user.getId(),
+                user.getEmail(),
+                user.getName(),
+                user.isPinLocked(),
+                user.getRoleType().toString(),
+                register.getCreatedAt().toString(),
+                loginLog.getCreatedAt().toString()
+        );
+    }
+}
diff --git a/src/main/java/withbeetravel/dto/response/auth/AccessTokenResponse.java b/src/main/java/withbeetravel/dto/response/auth/AccessTokenResponse.java
new file mode 100644
index 00000000..74136eeb
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/response/auth/AccessTokenResponse.java
@@ -0,0 +1,16 @@
+package withbeetravel.dto.response.auth;
+
+import lombok.Builder;
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+
+@Getter
+@NoArgsConstructor
+public class AccessTokenResponse {
+    private String accessToken;
+
+    @Builder
+    public AccessTokenResponse(String accessToken) {
+        this.accessToken = accessToken;
+    }
+}
diff --git a/src/main/java/withbeetravel/dto/response/auth/ExpirationResponse.java b/src/main/java/withbeetravel/dto/response/auth/ExpirationResponse.java
new file mode 100644
index 00000000..5c51159e
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/response/auth/ExpirationResponse.java
@@ -0,0 +1,16 @@
+package withbeetravel.dto.response.auth;
+
+import lombok.Builder;
+import lombok.Getter;
+
+import java.util.Date;
+
+@Getter
+@Builder
+public class ExpirationResponse {
+    private String expirationDate;
+
+    public static ExpirationResponse from (Date expirationDate) {
+        return ExpirationResponse.builder().expirationDate(expirationDate.toString()).build();
+    }
+}
diff --git a/src/main/java/withbeetravel/dto/response/auth/MyPageResponse.java b/src/main/java/withbeetravel/dto/response/auth/MyPageResponse.java
new file mode 100644
index 00000000..44f26f8a
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/response/auth/MyPageResponse.java
@@ -0,0 +1,50 @@
+package withbeetravel.dto.response.auth;
+
+import io.swagger.v3.oas.annotations.media.Schema;
+import lombok.Builder;
+import lombok.Data;
+import withbeetravel.domain.User;
+
+@Data
+@Builder
+@Schema(description = "MyPage 초기 정보 Response DTO")
+public class MyPageResponse {
+
+    @Schema(
+            description = "프로필 이미지 번호",
+            example = "1"
+    )
+    private int profileImage;
+
+    @Schema(
+            description = "회원 이름",
+            example = "홍길동"
+    )
+    private String username;
+
+    @Schema(
+            description = "계좌 종류",
+            example = "WON 통장"
+    )
+    private String accountProduct;
+
+    @Schema(
+            description = "계좌 번호",
+            example = "123456789012"
+    )
+    private String accountNumber;
+
+    public static MyPageResponse from(User user) {
+        return MyPageResponse.builder()
+                .profileImage(user.getProfileImage())
+                .username(user.getName())
+                .accountProduct(
+                        user.getConnectedAccount() != null
+                                ? user.getConnectedAccount().getProduct().name()
+                                : null)
+                .accountNumber(user.getConnectedAccount() != null
+                                ? user.getConnectedAccount().getAccountNumber()
+                                : null)
+                .build();
+    }
+}
diff --git a/src/main/java/withbeetravel/dto/response/auth/ReissueResponse.java b/src/main/java/withbeetravel/dto/response/auth/ReissueResponse.java
new file mode 100644
index 00000000..a6b5d94b
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/response/auth/ReissueResponse.java
@@ -0,0 +1,22 @@
+package withbeetravel.dto.response.auth;
+
+import lombok.Builder;
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+
+@Getter
+@NoArgsConstructor
+public class ReissueResponse {
+    private AccessTokenResponse accessTokenResponse;
+    private String refreshToken;
+
+    @Builder
+    public ReissueResponse(AccessTokenResponse accessTokenResponse, String refreshToken) {
+        this.accessTokenResponse = accessTokenResponse;
+        this.refreshToken = refreshToken;
+    }
+
+    public static ReissueResponse of (AccessTokenResponse accessTokenResponse, String refreshToken) {
+        return ReissueResponse.builder().accessTokenResponse(accessTokenResponse).refreshToken(refreshToken).build();
+    }
+}
\ No newline at end of file
diff --git a/src/main/java/withbeetravel/dto/response/auth/SignInResponse.java b/src/main/java/withbeetravel/dto/response/auth/SignInResponse.java
new file mode 100644
index 00000000..8c6223e4
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/response/auth/SignInResponse.java
@@ -0,0 +1,23 @@
+package withbeetravel.dto.response.auth;
+
+import lombok.Builder;
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+
+@Getter
+@NoArgsConstructor
+public class SignInResponse {
+    private UserAuthResponse userAuthResponse;
+    private String refreshToken;
+
+    @Builder
+    public SignInResponse(UserAuthResponse userAuthResponse, String refreshToken) {
+        this.userAuthResponse = userAuthResponse;
+        this.refreshToken = refreshToken;
+    }
+
+    public static SignInResponse of (UserAuthResponse userAuthResponse, String refreshToken) {
+        return SignInResponse.builder().userAuthResponse(userAuthResponse).refreshToken(refreshToken).build();
+    }
+}
+
diff --git a/src/main/java/withbeetravel/dto/response/auth/UserAuthResponse.java b/src/main/java/withbeetravel/dto/response/auth/UserAuthResponse.java
new file mode 100644
index 00000000..5c58d3ba
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/response/auth/UserAuthResponse.java
@@ -0,0 +1,23 @@
+package withbeetravel.dto.response.auth;
+
+import lombok.Builder;
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+import withbeetravel.domain.RoleType;
+
+@Getter
+@NoArgsConstructor
+public class UserAuthResponse {
+    private String accessToken;
+    private RoleType role;
+
+    @Builder
+    public UserAuthResponse(String accessToken, RoleType role) {
+        this.accessToken = accessToken;
+        this.role = role;
+    }
+
+    public static UserAuthResponse of (String accessToken, RoleType role) {
+        return UserAuthResponse.builder().accessToken(accessToken).role(role).build();
+    }
+}
diff --git a/src/main/java/withbeetravel/dto/response/payment/CurrencyUnitResponse.java b/src/main/java/withbeetravel/dto/response/payment/CurrencyUnitResponse.java
new file mode 100644
index 00000000..2c1c082a
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/response/payment/CurrencyUnitResponse.java
@@ -0,0 +1,19 @@
+package withbeetravel.dto.response.payment;
+
+import io.swagger.v3.oas.annotations.media.Schema;
+import lombok.Builder;
+import lombok.Data;
+
+import java.util.List;
+
+@Data
+@Builder
+@Schema(description = "방문 나라 우선 통화 코드 정보 Response DTO")
+public class CurrencyUnitResponse {
+
+    @Schema(
+            description = "통화 코드 리스트",
+            example = "['KRW','USD']"
+    )
+    private List<String> currencyUnitOptions;
+}
diff --git a/src/main/java/withbeetravel/dto/response/payment/SharedPaymentParticipatingMemberResponse.java b/src/main/java/withbeetravel/dto/response/payment/SharedPaymentParticipatingMemberResponse.java
new file mode 100644
index 00000000..1431411e
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/response/payment/SharedPaymentParticipatingMemberResponse.java
@@ -0,0 +1,15 @@
+package withbeetravel.dto.response.payment;
+
+import io.swagger.v3.oas.annotations.media.Schema;
+import lombok.Builder;
+import lombok.Data;
+
+@Data
+@Builder
+public class SharedPaymentParticipatingMemberResponse {
+    @Schema(description = "여행 멤버 ID")
+    private Long id;
+
+    @Schema(description = "프로필 이미지")
+    private int profileImage;
+}
\ No newline at end of file
diff --git a/src/main/java/withbeetravel/dto/response/payment/SharedPaymentRecordResponse.java b/src/main/java/withbeetravel/dto/response/payment/SharedPaymentRecordResponse.java
new file mode 100644
index 00000000..8cd78012
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/response/payment/SharedPaymentRecordResponse.java
@@ -0,0 +1,46 @@
+package withbeetravel.dto.response.payment;
+
+import io.swagger.v3.oas.annotations.media.Schema;
+import lombok.Builder;
+import lombok.Data;
+import withbeetravel.domain.SharedPayment;
+
+@Data
+@Builder
+@Schema(description = "SHARED PAYMENT ID에 따른 여행 기록 정보 Response DTO")
+public class SharedPaymentRecordResponse {
+
+    @Schema(
+            description = "SHARED PAYMENT ID",
+            example = "1234"
+    )
+    private Long sharedPaymentId;
+
+    @Schema(
+            description = "여행 기록 이미지",
+            example = "https://~"
+    )
+    private String paymentImage;
+
+    @Schema(
+            description = "여행 기록 문구",
+            example = "이얏호우~"
+    )
+    private String paymentComment;
+
+    @Schema(
+            description = "메인 여행 사진 여부",
+            example = "true"
+    )
+    private boolean mainImage;
+
+    public static SharedPaymentRecordResponse from(SharedPayment sharedPayment, boolean isMainImage) {
+
+        return SharedPaymentRecordResponse.builder()
+                .sharedPaymentId(sharedPayment.getId())
+                .paymentImage(sharedPayment.getPaymentImage())
+                .paymentComment(sharedPayment.getPaymentComment())
+                .mainImage(isMainImage)
+                .build();
+    }
+}
diff --git a/src/main/java/withbeetravel/dto/response/payment/SharedPaymentResponse.java b/src/main/java/withbeetravel/dto/response/payment/SharedPaymentResponse.java
new file mode 100644
index 00000000..6eb109f4
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/response/payment/SharedPaymentResponse.java
@@ -0,0 +1,76 @@
+package withbeetravel.dto.response.payment;
+
+import io.swagger.v3.oas.annotations.media.Schema;
+import lombok.Builder;
+import lombok.Data;
+import org.springframework.data.domain.Page;
+import withbeetravel.domain.SharedPayment;
+
+import java.time.LocalDateTime;
+import java.util.List;
+import java.util.Map;
+
+@Data
+@Builder
+@Schema(description = "TRAVEL ID에 따른 여행 지출 내역 정보 Response DTO")
+public class SharedPaymentResponse {
+
+    @Schema(description = "공동 결제 내역 ID")
+    private Long id;
+
+    @Schema(description = "결제 추가한 사람의 프로필 이미지")
+    private int adderProfileIcon;
+
+    @Schema(description = "결제 금액")
+    private int paymentAmount;
+
+    @Schema(description = "외화 결제 금액")
+    private Double foreignPaymentAmount;
+
+    @Schema(description = "환율")
+    private Double exchangeRate;
+
+    @Schema(description = "통화 단위")
+    private String unit;
+
+    @Schema(description = "상호명")
+    private String storeName;
+
+    @Schema(description = "카테고리")
+    private String category;
+
+    @Schema(description = "모든 멤버가 참여했는지 여부")
+    private Boolean isAllMemberParticipated;
+
+    @Schema(description = "정산에 참여한 여행 멤버 목록")
+    private List<SharedPaymentParticipatingMemberResponse> participatingMembers;
+
+    @Schema(description = "수동 추가 여부")
+    private Boolean isManuallyAdded;
+
+    @Schema(description = "결제 일시")
+    private LocalDateTime paymentDate;
+
+    public static Page<SharedPaymentResponse> of(
+            Page<SharedPayment> sharedPayments,
+            int totalTravelMembers,
+            Map<Long, List<SharedPaymentParticipatingMemberResponse>> participatingMembersMap
+    ) {
+        return sharedPayments.map(payment ->
+                SharedPaymentResponse.builder()
+                        .id(payment.getId())
+                        .adderProfileIcon(payment.getAddedByMember().getUser().getProfileImage())
+                        .paymentAmount(payment.getPaymentAmount())
+                        .foreignPaymentAmount(payment.getForeignPaymentAmount())
+                        .exchangeRate(payment.getExchangeRate())
+                        .unit(payment.getCurrencyUnit().name())
+                        .category(payment.getCategory().getDescription())
+                        .storeName(payment.getStoreName())
+                        .isAllMemberParticipated(payment.getPaymentParticipatedMembers().size() == totalTravelMembers)
+                        .participatingMembers(participatingMembersMap.get(payment.getId()))
+                        .isManuallyAdded(payment.isManuallyAdded())
+                        .paymentDate(payment.getPaymentDate())
+                        .build()
+        );
+    }
+}
diff --git a/src/main/java/withbeetravel/dto/response/settlement/MyDetailPaymentResponse.java b/src/main/java/withbeetravel/dto/response/settlement/MyDetailPaymentResponse.java
new file mode 100644
index 00000000..a59d2207
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/response/settlement/MyDetailPaymentResponse.java
@@ -0,0 +1,22 @@
+package withbeetravel.dto.response.settlement;
+
+import lombok.Getter;
+
+import java.util.List;
+
+@Getter
+public class MyDetailPaymentResponse {
+    private final int totalPaymentAmounts;
+    private final int totalRequestedAmounts;
+    private final List<ShowMyDetailPaymentResponse> myDetailPaymentResponses;
+
+    public MyDetailPaymentResponse(int totalPaymentAmounts, int totalRequestedAmounts, List<ShowMyDetailPaymentResponse> myDetailPaymentResponses) {
+        this.totalPaymentAmounts = totalPaymentAmounts;
+        this.totalRequestedAmounts = totalRequestedAmounts;
+        this.myDetailPaymentResponses = myDetailPaymentResponses;
+    }
+
+    public static MyDetailPaymentResponse of (int totalPaymentAmounts, int totalRequestedAmounts, List<ShowMyDetailPaymentResponse> myDetailPaymentResponses) {
+        return new MyDetailPaymentResponse(totalPaymentAmounts, totalRequestedAmounts, myDetailPaymentResponses);
+    }
+}
diff --git a/src/main/java/withbeetravel/dto/response/settlement/ShowMyDetailPaymentResponse.java b/src/main/java/withbeetravel/dto/response/settlement/ShowMyDetailPaymentResponse.java
new file mode 100644
index 00000000..9141b0d4
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/response/settlement/ShowMyDetailPaymentResponse.java
@@ -0,0 +1,30 @@
+package withbeetravel.dto.response.settlement;
+
+import lombok.Getter;
+
+import java.time.LocalDateTime;
+
+@Getter
+public class ShowMyDetailPaymentResponse {
+    private final Long id;
+    private final int paymentAmount;
+    private final int requestedAmount;
+    private final String storeName;
+    private final LocalDateTime paymentDate;
+
+    private ShowMyDetailPaymentResponse(Long id,
+                                        int paymentAmount,
+                                        int requestedAmount,
+                                        String storeName,
+                                        LocalDateTime paymentDate) {
+        this.id = id;
+        this.paymentAmount = paymentAmount;
+        this.requestedAmount = requestedAmount;
+        this.storeName = storeName;
+        this.paymentDate = paymentDate;
+    }
+
+    public static ShowMyDetailPaymentResponse of (Long id, int paymentAmount, int requestedAmount, String storeName, LocalDateTime paymentDate) {
+        return new ShowMyDetailPaymentResponse(id, paymentAmount, requestedAmount, storeName, paymentDate);
+    }
+}
\ No newline at end of file
diff --git a/src/main/java/withbeetravel/dto/response/settlement/ShowMyTotalPaymentResponse.java b/src/main/java/withbeetravel/dto/response/settlement/ShowMyTotalPaymentResponse.java
new file mode 100644
index 00000000..41b8f936
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/response/settlement/ShowMyTotalPaymentResponse.java
@@ -0,0 +1,20 @@
+package withbeetravel.dto.response.settlement;
+
+import lombok.Getter;
+
+@Getter
+public class ShowMyTotalPaymentResponse {
+    private final String name;
+    private final boolean isAgreed;
+    private final int totalPaymentCost;
+
+    private ShowMyTotalPaymentResponse(String name, boolean isAgreed, int totalPaymentCost) {
+        this.name = name;
+        this.isAgreed = isAgreed;
+        this.totalPaymentCost = totalPaymentCost;
+    }
+
+    public static ShowMyTotalPaymentResponse of (String name, boolean isAgreed, int ownPaymentCost, int actualBurdenCost) {
+        return new ShowMyTotalPaymentResponse(name, isAgreed, ownPaymentCost - actualBurdenCost);
+    }
+}
\ No newline at end of file
diff --git a/src/main/java/withbeetravel/dto/response/settlement/ShowOtherSettlementResponse.java b/src/main/java/withbeetravel/dto/response/settlement/ShowOtherSettlementResponse.java
new file mode 100644
index 00000000..c3930ffd
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/response/settlement/ShowOtherSettlementResponse.java
@@ -0,0 +1,22 @@
+package withbeetravel.dto.response.settlement;
+
+import lombok.Getter;
+
+@Getter
+public class ShowOtherSettlementResponse {
+    private final Long id;
+    private final String name;
+    private final int totalPaymentCost;
+    private final boolean isAgreed;
+
+    private ShowOtherSettlementResponse(Long id, String name, int totalPaymentCost, boolean isAgreed) {
+        this.id = id;
+        this.name = name;
+        this.totalPaymentCost = totalPaymentCost;
+        this.isAgreed = isAgreed;
+    }
+
+    public static ShowOtherSettlementResponse of (Long id, String name, int totalPaymentCost, boolean isAgreed) {
+        return new ShowOtherSettlementResponse(id, name, totalPaymentCost, isAgreed);
+    }
+}
\ No newline at end of file
diff --git a/src/main/java/withbeetravel/dto/response/settlement/ShowSettlementDetailResponse.java b/src/main/java/withbeetravel/dto/response/settlement/ShowSettlementDetailResponse.java
new file mode 100644
index 00000000..333534f4
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/response/settlement/ShowSettlementDetailResponse.java
@@ -0,0 +1,41 @@
+package withbeetravel.dto.response.settlement;
+
+import lombok.Getter;
+
+import java.util.List;
+
+@Getter
+public class ShowSettlementDetailResponse {
+    private final ShowMyTotalPaymentResponse myTotalPayment;
+    private final int disagreeCount;
+    private final int totalPaymentAmounts;
+    private final int totalRequestedAmounts;
+    private final List<ShowMyDetailPaymentResponse> myDetailPayments;
+    private final List<ShowOtherSettlementResponse> others;
+
+    private ShowSettlementDetailResponse(
+            ShowMyTotalPaymentResponse myTotalPayment,
+            int disagreeCount,
+            int totalPaymentAmounts,
+            int totalRequestedAmounts,
+            List<ShowMyDetailPaymentResponse> myDetailPayments,
+            List<ShowOtherSettlementResponse> others) {
+        this.myTotalPayment = myTotalPayment;
+        this.disagreeCount = disagreeCount;
+        this.totalPaymentAmounts = totalPaymentAmounts;
+        this.totalRequestedAmounts = totalRequestedAmounts;
+        this.myDetailPayments = myDetailPayments;
+        this.others = others;
+    }
+
+    public static ShowSettlementDetailResponse of (
+            ShowMyTotalPaymentResponse myTotalPayment,
+            int disagreeCount,
+            int totalPaymentAmounts,
+            int totalRequestedAmounts,
+            List<ShowMyDetailPaymentResponse> myDetailPayments,
+            List<ShowOtherSettlementResponse> others) {
+        return new ShowSettlementDetailResponse(
+                myTotalPayment, disagreeCount, totalPaymentAmounts, totalRequestedAmounts, myDetailPayments, others);
+    }
+}
\ No newline at end of file
diff --git a/src/main/java/withbeetravel/dto/response/travel/HoneyCapsuleResponse.java b/src/main/java/withbeetravel/dto/response/travel/HoneyCapsuleResponse.java
new file mode 100644
index 00000000..f62e71c1
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/response/travel/HoneyCapsuleResponse.java
@@ -0,0 +1,83 @@
+package withbeetravel.dto.response.travel;
+
+import io.swagger.v3.oas.annotations.media.Schema;
+import lombok.Builder;
+import lombok.Data;
+import withbeetravel.domain.SharedPayment;
+
+import java.time.LocalDateTime;
+
+@Data
+@Builder
+@Schema(description = "허니캡슐 Response DTO")
+public class HoneyCapsuleResponse {
+
+    @Schema(
+            description = "SHARED PAYMENT ID",
+            example = "1234"
+    )
+    private Long sharedPaymentId;
+
+    @Schema(
+            description = "결제 일자",
+            example = "2024-11-05T14:13:00"
+    )
+    private LocalDateTime paymentDate;
+
+    @Schema(
+            description = "기록 사진(URL)",
+            example = "https://~"
+    )
+    private String paymentImage;
+
+    @Schema(
+            description = "기록 문구",
+            example = "포케 파라다이스 \uD83D\uDD25\uD83D\uDD25"
+    )
+    private String paymentComment;
+
+    @Schema(
+            description = "상호명",
+            example = "Poke Bowls"
+    )
+    private String storeName;
+
+    @Schema(
+            description = "원화 결제 금액(nullable)",
+            example = "95000"
+    )
+    private Integer paymentAmount;
+
+    @Schema(
+            description = "외화 결제 금액",
+            example = "95000.0"
+    )
+    private Double foreignPaymentAmount;
+
+    @Schema(
+            description = "화폐 단위",
+            example = "USD"
+    )
+    private String unit;
+
+    @Schema(
+            description = "결제 내역 추가 멤버의 프로필 이미지",
+            example = "1"
+    )
+    private int addMemberProfileImage;
+
+    public static HoneyCapsuleResponse from(SharedPayment sharedPayment) {
+
+        return HoneyCapsuleResponse.builder()
+                .sharedPaymentId(sharedPayment.getId())
+                .paymentDate(sharedPayment.getPaymentDate())
+                .paymentImage(sharedPayment.getPaymentImage())
+                .paymentComment(sharedPayment.getPaymentComment())
+                .storeName(sharedPayment.getStoreName())
+                .paymentAmount(sharedPayment.getPaymentAmount())
+                .foreignPaymentAmount(sharedPayment.getForeignPaymentAmount())
+                .unit(sharedPayment.getCurrencyUnit().name())
+                .addMemberProfileImage(sharedPayment.getAddedByMember().getUser().getProfileImage())
+                .build();
+    }
+}
diff --git a/src/main/java/withbeetravel/dto/response/travel/InviteCodeGetResponse.java b/src/main/java/withbeetravel/dto/response/travel/InviteCodeGetResponse.java
new file mode 100644
index 00000000..fbb171f5
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/response/travel/InviteCodeGetResponse.java
@@ -0,0 +1,12 @@
+package withbeetravel.dto.response.travel;
+
+import lombok.AllArgsConstructor;
+import lombok.Getter;
+import lombok.Setter;
+
+@Getter
+@Setter
+@AllArgsConstructor
+public class InviteCodeGetResponse {
+    private String inviteCode;
+}
diff --git a/src/main/java/withbeetravel/dto/response/travel/InviteCodeSignUpResponse.java b/src/main/java/withbeetravel/dto/response/travel/InviteCodeSignUpResponse.java
new file mode 100644
index 00000000..cb273d37
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/response/travel/InviteCodeSignUpResponse.java
@@ -0,0 +1,16 @@
+package withbeetravel.dto.response.travel;
+
+import lombok.Builder;
+import lombok.Getter;
+import lombok.Setter;
+
+@Getter
+@Setter
+public class InviteCodeSignUpResponse {
+    private Long travelId;
+
+    @Builder
+    public InviteCodeSignUpResponse(Long travelId) {
+        this.travelId = travelId;
+    }
+}
diff --git a/src/main/java/withbeetravel/dto/response/travel/TravelHomeResponse.java b/src/main/java/withbeetravel/dto/response/travel/TravelHomeResponse.java
new file mode 100644
index 00000000..513175eb
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/response/travel/TravelHomeResponse.java
@@ -0,0 +1,78 @@
+package withbeetravel.dto.response.travel;
+
+import io.swagger.v3.oas.annotations.media.Schema;
+import lombok.Builder;
+import lombok.Data;
+import withbeetravel.domain.SettlementStatus;
+import withbeetravel.domain.Travel;
+import withbeetravel.domain.TravelMember;
+
+import java.time.LocalDate;
+import java.util.List;
+import java.util.Map;
+
+@Data
+@Builder
+@Schema(description = "여행 홈 Response DTO")
+public class TravelHomeResponse {
+
+    @Schema(description = "여행 id")
+    private Long id;
+
+    @Schema(description = "여행명")
+    private String travelName;
+
+    @Schema(description = "여행시작일")
+    private LocalDate travelStartDate;
+
+    @Schema(description = "여행종료일")
+    private LocalDate travelEndDate;
+
+    @Schema(description = "국내여행여부")
+    private Boolean isDomesticTravel;
+
+    @Schema(description = "여행지 리스트")
+    private List<String> countries;
+
+    @Schema(description = "대표 이미지 URL")
+    private String mainImage;
+
+    @Schema(
+            description = "지출 항목별 비율 통계",
+            example = "{'식비': 30.5, '숙박': 40.2, '교통': 29.3}"
+    )
+    private Map<String, Double> statistics;
+
+    @Schema(description = "여행 멤버 리스트")
+    private List<TravelMemberResponse> travelMembers;
+
+    @Schema(description = "본인이 그룹장인지 여부")
+    private boolean isCaptain;
+
+    @Schema(description = "정산이 진행 중인지 여부")
+    private SettlementStatus settlementStatus;
+
+    @Schema(description = "정산 내역에 동의했는지 여부")
+    private Boolean isAgreed;
+
+    public static TravelHomeResponse of(Travel travel, TravelMember travelMember, Map<String, Double> statistics) {
+        return TravelHomeResponse.builder()
+                .id(travel.getId())
+                .travelName(travel.getTravelName())
+                .travelStartDate(travel.getTravelStartDate())
+                .travelEndDate(travel.getTravelEndDate())
+                .isDomesticTravel(travel.isDomesticTravel())
+                .countries(travel.getCountries()
+                        .stream().map(country -> country.getCountry().getCountryName())
+                        .toList())
+                .mainImage(travel.getMainImage())
+                .statistics(statistics)
+                .travelMembers(travel.getTravelMembers()
+                        .stream().map(TravelMemberResponse::from)
+                        .toList())
+                .isCaptain(travelMember.isCaptain())
+                .settlementStatus(travel.getSettlementStatus())
+                .isAgreed((travelMember.getSettlementHistory() != null) ? travelMember.getSettlementHistory().isAgreed() : false)
+                .build();
+    }
+}
diff --git a/src/main/java/withbeetravel/dto/response/travel/TravelListResponse.java b/src/main/java/withbeetravel/dto/response/travel/TravelListResponse.java
new file mode 100644
index 00000000..7518c4c5
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/response/travel/TravelListResponse.java
@@ -0,0 +1,43 @@
+package withbeetravel.dto.response.travel;
+
+import lombok.AllArgsConstructor;
+import lombok.Getter;
+import lombok.Setter;
+import withbeetravel.domain.Travel;
+import withbeetravel.domain.TravelCountry;
+
+import java.util.List;
+import java.util.stream.Collectors;
+
+
+@Getter
+@Setter
+@AllArgsConstructor
+public class TravelListResponse {
+    private Long travelId;
+    private String travelName;
+    private String travelStartDate;
+    private String travelEndDate;
+    private String travelMainImage;
+    private Boolean isDomesticTravel;
+    private List<String> country;
+    private int profileImage;
+
+    public static TravelListResponse from(Travel travel, List<TravelCountry> travelCountries, int profileImage) {
+        // TravelCountry 엔티티 목록에서 country 이름만 추출
+        List<String> countryNames = travelCountries.stream()
+            .map(travelCountry -> travelCountry.getCountry().name()) // 수정: TravelCountry에서 Country 객체 참조
+            .collect(Collectors.toList());
+
+        return new TravelListResponse(
+            travel.getId(),
+            travel.getTravelName(),
+            travel.getTravelStartDate().toString(),
+            travel.getTravelEndDate().toString(),
+            travel.getMainImage(),
+            travel.isDomesticTravel(),
+            countryNames,
+            profileImage
+        );
+    }
+}
diff --git a/src/main/java/withbeetravel/dto/response/travel/TravelMemberResponse.java b/src/main/java/withbeetravel/dto/response/travel/TravelMemberResponse.java
new file mode 100644
index 00000000..5441012f
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/response/travel/TravelMemberResponse.java
@@ -0,0 +1,21 @@
+package withbeetravel.dto.response.travel;
+
+import lombok.Builder;
+import lombok.Data;
+import withbeetravel.domain.TravelMember;
+
+@Data
+@Builder
+public class TravelMemberResponse {
+    private Long id;
+    private String name;
+    private int profileImage;
+
+    public static TravelMemberResponse from(TravelMember travelMember) {
+        return TravelMemberResponse.builder()
+                .id(travelMember.getId())
+                .name(travelMember.getUser().getName())
+                .profileImage(travelMember.getUser().getProfileImage())
+                .build();
+    }
+}
diff --git a/src/main/java/withbeetravel/dto/response/travel/TravelResponse.java b/src/main/java/withbeetravel/dto/response/travel/TravelResponse.java
new file mode 100644
index 00000000..b0d42f2a
--- /dev/null
+++ b/src/main/java/withbeetravel/dto/response/travel/TravelResponse.java
@@ -0,0 +1,44 @@
+package withbeetravel.dto.response.travel;
+
+import lombok.Builder;
+import lombok.Getter;
+import lombok.Setter;
+import withbeetravel.domain.Travel;
+import withbeetravel.domain.TravelCountry;
+
+import java.util.List;
+
+@Getter
+@Setter
+public class TravelResponse {
+    private Long travelId;
+    private String name;
+    private List<String> country;
+    private String startDate;
+    private String endDate;
+
+    @Builder
+    public TravelResponse(Long travelId, String name, List<String> country, String startDate, String endDate) {
+        this.travelId = travelId;
+        this.name = name;
+        this.country = country;
+        this.startDate = startDate;
+        this.endDate = endDate;
+    }
+
+    // Travel 엔터티를 기반으로 TravelResponseDto로 변환하는 from 메서드
+    public static TravelResponse from(Travel travel, List<TravelCountry> travelCountries) {
+        // TravelCountry 엔티티 목록에서 country 이름만 추출
+        List<String> countryNames = travelCountries.stream()
+                .map(travelCountry -> travelCountry.getCountry().name())
+                .toList();
+
+        return new TravelResponse(
+                travel.getId(),
+                travel.getTravelName(),
+                countryNames,
+                travel.getTravelStartDate().toString(),
+                travel.getTravelEndDate().toString()
+        );
+    }
+}
diff --git a/src/main/java/withbeetravel/exception/error/AuthErrorCode.java b/src/main/java/withbeetravel/exception/error/AuthErrorCode.java
index 753928b3..5b4c9df4 100644
--- a/src/main/java/withbeetravel/exception/error/AuthErrorCode.java
+++ b/src/main/java/withbeetravel/exception/error/AuthErrorCode.java
@@ -15,6 +15,17 @@ public class AuthErrorCode extends ErrorCode{
     public static final AuthErrorCode PASSWORD_POLICY_VIOLATION = new AuthErrorCode(HttpStatus.BAD_REQUEST, "AUTH-007", "PASSWORD_POLICY_VIOLATION", "비밀번호 정책 불충족");
     public static final AuthErrorCode INVALID_EMAIL_FORMAT = new AuthErrorCode(HttpStatus.BAD_REQUEST, "AUTH-008", "INVALID_EMAIL_FORMAT", "잘못된 이메일 형식");
     public static final AuthErrorCode PIN_POLICY_VIOLATION = new AuthErrorCode(HttpStatus.BAD_REQUEST, "PIN_POLICY_VIOLATION", "AUTH-009", "핀번호 정책 불충족");
+    public static final AuthErrorCode INVALID_PASSWORD = new AuthErrorCode(HttpStatus.BAD_REQUEST, "INVALID_PASSWORD", "AUTH-010", "잘못된 비밀번호");
+    public static final AuthErrorCode INVALID_JWT = new AuthErrorCode(HttpStatus.UNAUTHORIZED, "INVALID_JWT", "AUTH-011", "잘못된 JWT 토큰");
+    public static final AuthErrorCode EXPIRED_JWT = new AuthErrorCode(HttpStatus.UNAUTHORIZED, "EXPIRED_JWT", "AUTH-012", "만료된 JWT 토큰");
+    public static final AuthErrorCode UNSUPPORTED_JWT = new AuthErrorCode(HttpStatus.UNAUTHORIZED, "UNSUPPORTED_JWT", "AUTH-013", "지원되지 않는 JWT 토큰");
+    public static final AuthErrorCode EMPTY_JWT = new AuthErrorCode(HttpStatus.BAD_REQUEST, "EMPTY_JWT", "AUTH-014", "빈 JWT 토큰");
+    public static final AuthErrorCode REFRESH_TOKEN_NOT_FOUND = new AuthErrorCode(HttpStatus.NOT_FOUND, "REFRESH_TOKEN_NOT_FOUND", "AUTH-015", "리프레시 토큰 없음");
+    public static final AuthErrorCode INVALID_REFRESH_TOKEN = new AuthErrorCode(HttpStatus.UNAUTHORIZED, "INVALID_REFRESH_TOKEN", "AUTH-016", "잘못된 리프레시 토큰");
+    public static final AuthErrorCode USER_NOT_FOUND = new AuthErrorCode(HttpStatus.NOT_FOUND, "USER_NOT_FOUND", "AUTH-017", "사용자를 찾을 수 없음");
+    public static final AuthErrorCode VALIDATION_FAILED = new AuthErrorCode(HttpStatus.BAD_REQUEST, "VALIDATION_FAILED", "AUTH-018", "유효성 검사 실패");
+    public static final AuthErrorCode SCHEDULER_PROCESSING_FAILED = new AuthErrorCode(HttpStatus.UNPROCESSABLE_ENTITY, "SCHEDULER_PROCESSING_FAILED", "AUTH-019", "리프레시 토큰 삭제 스케줄링 중 오류가 발생했습니다.");
+    public static final AuthErrorCode ACCOUNT_NOT_CREATED = new AuthErrorCode(HttpStatus.UNPROCESSABLE_ENTITY, "ACCOUNT_NOT_CREATED", "AUTH-020", "회원가입 중 계좌 생성 오류");
 
     private AuthErrorCode(HttpStatus status, String name, String code, String message) {
         super(status, name, code, message);
diff --git a/src/main/java/withbeetravel/exception/error/BankingErrorCode.java b/src/main/java/withbeetravel/exception/error/BankingErrorCode.java
new file mode 100644
index 00000000..38a08218
--- /dev/null
+++ b/src/main/java/withbeetravel/exception/error/BankingErrorCode.java
@@ -0,0 +1,43 @@
+package withbeetravel.exception.error;
+
+import lombok.Getter;
+import org.springframework.http.HttpStatus;
+
+@Getter
+public class BankingErrorCode extends ErrorCode{
+
+    public static final BankingErrorCode INSUFFICIENT_FUNDS
+            = new BankingErrorCode(HttpStatus.BAD_REQUEST,"INSUFFICIENT_FUNDS","BANKING-001","계좌 잔액 부족");
+
+    public static final BankingErrorCode ACCOUNT_NOT_FOUND
+            = new BankingErrorCode(HttpStatus.NOT_FOUND,"ACCOUNT_NOT_FOUND","BANKING-002","존재하지 않는 계좌번호");
+
+    public static final BankingErrorCode TRANSFER_LIMIT_EXCEEDED
+            = new BankingErrorCode(HttpStatus.BAD_REQUEST,"TRANSFER_LIMIT_EXCEEDED","BANKING-003","하루 이체 한도 초과");
+
+    public static final BankingErrorCode WIBEE_CARD_NOT_ISSUED
+            = new BankingErrorCode(HttpStatus.FORBIDDEN,"WIBEE_CARD_NOT_ISSUED","BANKING-004","위비 카드를 발급받지 않은 회원입니다.");
+
+    public static final BankingErrorCode HISTORY_NOT_FOUND
+            = new BankingErrorCode(HttpStatus.NOT_FOUND,"HISTORY_NOT_FOUND","BANKING-005","요청하신 거래 내역을 찾을 수 없습니다.");
+
+    public static final BankingErrorCode HISTORY_ACCESS_FORBIDDEN
+            = new BankingErrorCode(HttpStatus.FORBIDDEN,"HISTORY_ACCESS_FORBIDDEN","BANKING-006","해당 거래 내역의 접근 권한이 부족합니다");
+
+    public static final BankingErrorCode PAYMENT_ALREADY_EXISTS
+            = new BankingErrorCode(HttpStatus.NOT_FOUND,"PAYMENT_ALREADY_EXISTS","BANKING-007","이미 추가된 결제 내역입니다");
+
+    public static final BankingErrorCode INSUFFICIENT_MANAGER_ACCOUNT_BALANCE
+            = new BankingErrorCode(HttpStatus.BAD_REQUEST,"INSUFFICIENT_MANAGER_ACCOUNT_BALANCE","BANKING-008","관리자 계좌의 잔액 부족");
+
+    public static final BankingErrorCode INVALID_PIN_NUMBER
+            = new BankingErrorCode(HttpStatus.BAD_REQUEST, "INVALID_PIN_NUMBER", "BANKING-009", "잘못된 핀 번호입니다");
+
+    public static final BankingErrorCode ACCOUNT_LOCKED
+            = new BankingErrorCode(HttpStatus.LOCKED, "ACCOUNT_LOCKED", "BANKING-010", "계정이 잠겼습니다. PIN 재설정이 필요합니다");
+
+    public BankingErrorCode(HttpStatus status,
+                            String name, String code, String message) {
+        super(status, name, code, message);
+    }
+}
diff --git a/src/main/java/withbeetravel/exception/error/PaymentErrorCode.java b/src/main/java/withbeetravel/exception/error/PaymentErrorCode.java
index a7dac4e0..c4cfbf2b 100644
--- a/src/main/java/withbeetravel/exception/error/PaymentErrorCode.java
+++ b/src/main/java/withbeetravel/exception/error/PaymentErrorCode.java
@@ -8,6 +8,9 @@ public class PaymentErrorCode extends ErrorCode{
 
     public static final PaymentErrorCode SHARED_PAYMENT_NOT_FOUND = new PaymentErrorCode(HttpStatus.NOT_FOUND, "SHARED_PAYMENT_NOT_FOUND", "PAYMENT-001", "SHARED PAYMENT ID에 해당하는 공동 결제 내역이 없음");
     public static final PaymentErrorCode NO_PERMISSION_TO_MODIFY_SHARED_PAYMENT = new PaymentErrorCode(HttpStatus.FORBIDDEN, "NO_PERMISSION_TO_MODIFY_SHARED_PAYMENT", "PAYMENT-002", "해당 공동 결제 내역 수정 권한 없음");
+    public static final PaymentErrorCode SHARED_PAYMENT_ACCESS_FORBIDDEN = new PaymentErrorCode(HttpStatus.FORBIDDEN, "SHARED_PAYMENT_ACCESS_FORBIDDEN", "PAYMENT-003", "해당 공동 결제 내역 정보 접근 권한 없음");
+    public static final PaymentErrorCode NON_TRAVEL_MEMBER_INCLUDED = new PaymentErrorCode(HttpStatus.FORBIDDEN, "NON_TRAVEL_MEMBER_INCLUDED", "PAYMENT-004", "여행 멤버가 아닌 Travel Member ID가 포함되어 있음");
+    public static final PaymentErrorCode INVALID_SORT_TYPE = new PaymentErrorCode(HttpStatus.BAD_REQUEST, "INVALID_SORT_TYPE", "PAYMENT-005", "정렬 기준은 latest 또는 amount만 가능");
 
     private PaymentErrorCode(HttpStatus status, String name, String code, String message) {
         super(status, name, code, message);
diff --git a/src/main/java/withbeetravel/exception/error/SettlementErrorCode.java b/src/main/java/withbeetravel/exception/error/SettlementErrorCode.java
index e1169dce..28688af4 100644
--- a/src/main/java/withbeetravel/exception/error/SettlementErrorCode.java
+++ b/src/main/java/withbeetravel/exception/error/SettlementErrorCode.java
@@ -10,8 +10,14 @@ public class SettlementErrorCode extends ErrorCode{
     public static final SettlementErrorCode SETTLEMENT_ALREADY_AGREED = new SettlementErrorCode(HttpStatus.CONFLICT, "SETTLEMENT_ALREADY_AGREED", "SETTLEMENT-003", "이미 동의한 정산");
     public static final SettlementErrorCode SETTLEMENT_NOT_COMPLETED = new SettlementErrorCode(HttpStatus.CONFLICT, "SETTLEMENT_NOT_COMPLETED", "SETTLEMENT-005", "아직 정산 완료 되지 않음");
     public static final SettlementErrorCode NO_PERMISSION_TO_MANAGE_SETTLEMENT = new SettlementErrorCode(HttpStatus.FORBIDDEN, "NO_PERMISSION_TO_MANAGE_SETTLEMENT", "SETTLEMENT-006", "정산 관리 권한 없음");
+    public static final SettlementErrorCode MEMBER_SETTLEMENT_HISTORY_NOT_FOUND = new SettlementErrorCode(HttpStatus.NOT_FOUND, "MEMBER_SETTLEMENT_HISTORY_NOT_FOUND", "SETTLEMENT-007", "TRAVELMEMBER ID에 해당하는 여행 멤버 정산 내역 없음");
+    public static final SettlementErrorCode SETTLEMENT_NOT_ONGOING = new SettlementErrorCode(HttpStatus.FORBIDDEN, "SETTLEMENT_NOT_ONGOING", "SETTLEMENT-008", "진행 중인 정산 요청이 아님");
+    public static final SettlementErrorCode SETTLEMENT_DISAGREE_COUNT_NOT_CERTAIN = new SettlementErrorCode(HttpStatus.CONFLICT, "SETTLEMENT_DISAGREE_COUNT_NOT_CERTAIN", "SETTLEMENT-009", "이미 모든 정산원이 동의한 정산 요청");
+    public static final SettlementErrorCode SETTLEMENT_INSUFFICIENT_BALANCE = new SettlementErrorCode(HttpStatus.CONFLICT, "SETTLEMENT_INSUFFICIENT_BALANCE", "SETTLEMENT-010", "여행멤버의 잔액 부족으로 인한 정산 처리 불가");
+    public static final SettlementErrorCode SETTLEMENT_ONGOING_ALREADY_EXISTS = new SettlementErrorCode(HttpStatus.CONFLICT, "SETTLEMENT_ONGOING_ALREADY_EXISTS", "SETTLEMENT-011", "진행중인 정산 요청이 이미 존재");
+    public static final SettlementErrorCode SCHEDULER_PROCESSING_FAILED = new SettlementErrorCode(HttpStatus.UNPROCESSABLE_ENTITY, "SCHEDULER_PROCESSING_FAILED", "SETTLEMENT-012", "정산 정리 요청 스케줄링 중 오류가 발생했습니다.");
 
     private SettlementErrorCode(HttpStatus status, String name, String code, String message) {
         super(status, name, code, message);
     }
-}
+}
\ No newline at end of file
diff --git a/src/main/java/withbeetravel/exception/error/TravelErrorCode.java b/src/main/java/withbeetravel/exception/error/TravelErrorCode.java
index 30b377dc..79dd5994 100644
--- a/src/main/java/withbeetravel/exception/error/TravelErrorCode.java
+++ b/src/main/java/withbeetravel/exception/error/TravelErrorCode.java
@@ -9,6 +9,12 @@ public class TravelErrorCode extends ErrorCode{
     public static final TravelErrorCode TRAVEL_NOT_FOUND = new TravelErrorCode(HttpStatus.NOT_FOUND, "TRAVEL_NOT_FOUND", "TRAVEL-001", "TRAVEL ID에 해당하는 여행 정보 없음");
     public static final TravelErrorCode TRAVEL_ACCESS_FORBIDDEN = new TravelErrorCode(HttpStatus.FORBIDDEN, "TRAVEL_ACCESS_FORBIDDEN", "TRAVEL-002", "여행 정보 접근 권한 없음");
     public static final TravelErrorCode TRAVEL_CATEGORY_NOT_FOUND = new TravelErrorCode(HttpStatus.NOT_FOUND, "TRAVEL_CATEGORY_NOT_FOUND", "TRAVEL-003", "존재하지 않는 카테고리");
+    public static final TravelErrorCode TRAVEL_CAPTAIN_NOT = new TravelErrorCode(HttpStatus.NOT_FOUND, "TRAVEL_CAPTAIN_NOT", "TRAVEL-004", "여행 생성 권한 없음");
+    public static final TravelErrorCode TRAVEL_INVITECODE_NOT = new TravelErrorCode(HttpStatus.NOT_FOUND, "TRAVEL_INVITECODE_NOT", "TRAVEL-005", "해당 초대 코드 없음");
+    public static final TravelErrorCode TRAVEL_MEMBER_LIMIT = new TravelErrorCode(HttpStatus.CONFLICT, "TRAVEL_MEMBER_LIMIT", "TRAVEL-006", "여행 멤버 정원 초과");
+    public static final TravelErrorCode TRAVEL_CAPTAIN_NOT_FOUND = new TravelErrorCode(HttpStatus.NOT_FOUND, "TRAVEL_CAPTAIN_NOT_FOUND", "TRAVEL-007", "여행장 정보 없음");
+    public static final TravelErrorCode TRAVEL_USER_ALREADY_MEMBER = new TravelErrorCode(HttpStatus.CONFLICT, "TRAVEL_USER_ALREADY_MEMBER", "TRAVEL-008", "이미 해당 여행에 가입된 사용자");
+
 
     private TravelErrorCode(HttpStatus status, String name, String code, String message) {
         super(status, name, code, message);
diff --git a/src/main/java/withbeetravel/exception/error/ValidationErrorCode.java b/src/main/java/withbeetravel/exception/error/ValidationErrorCode.java
index b3fe642d..91061d95 100644
--- a/src/main/java/withbeetravel/exception/error/ValidationErrorCode.java
+++ b/src/main/java/withbeetravel/exception/error/ValidationErrorCode.java
@@ -9,6 +9,8 @@ public class ValidationErrorCode extends ErrorCode{
     public static final ValidationErrorCode MISSING_REQUIRED_FIELDS = new ValidationErrorCode(HttpStatus.BAD_REQUEST, "MISSING_REQUIRED_FIELDS", "VALIDATION-001", "필수 정보 누락");
     public static final ValidationErrorCode INVALID_DATE_FORMAT = new ValidationErrorCode(HttpStatus.BAD_REQUEST, "INVALID_DATE_FORMAT", "VALIDATION-002", "유효하지 않은 날짜 형식");
     public static final ValidationErrorCode DATE_RANGE_ERROR = new ValidationErrorCode(HttpStatus.BAD_REQUEST, "DATE_RANGE_ERROR", "VALIDATION-003", "날짜 범위 오류");
+    public static final ValidationErrorCode IMAGE_PROCESSING_FAILED = new ValidationErrorCode(HttpStatus.UNPROCESSABLE_ENTITY, "IMAGE_PROCESSING_FAILED", "VALIDATION-004", "이미지 처리 중 오류가 발생했습니다.");
+    public static final ValidationErrorCode INVALID_CURRENCY_UNIT = new ValidationErrorCode(HttpStatus.BAD_REQUEST, "INVALID_CURRENCY_UNIT", "VALIDATION-005", "지원되지 않는 통화 코드입니다.");
 
     private ValidationErrorCode(HttpStatus status, String name, String code, String message) {
         super(status, name, code, message);
diff --git a/src/main/java/withbeetravel/exception/handler/CustomExceptionHandler.java b/src/main/java/withbeetravel/exception/handler/CustomExceptionHandler.java
index 00a7c148..6304c611 100644
--- a/src/main/java/withbeetravel/exception/handler/CustomExceptionHandler.java
+++ b/src/main/java/withbeetravel/exception/handler/CustomExceptionHandler.java
@@ -1,16 +1,38 @@
 package withbeetravel.exception.handler;
 
 import org.springframework.http.ResponseEntity;
+import org.springframework.web.bind.MethodArgumentNotValidException;
 import org.springframework.web.bind.annotation.ControllerAdvice;
 import org.springframework.web.bind.annotation.ExceptionHandler;
 import withbeetravel.exception.CustomException;
-import withbeetravel.exception.dto.ErrorResponseDto;
+import withbeetravel.dto.response.ErrorResponse;
+import withbeetravel.exception.error.AuthErrorCode;
+
 
 @ControllerAdvice
 public class CustomExceptionHandler {
 
     @ExceptionHandler(CustomException.class)
-    protected ResponseEntity<ErrorResponseDto> handleAuthException(CustomException e) {
-        return ErrorResponseDto.toResponseEntity(e.getErrorCode());
+    protected ResponseEntity<ErrorResponse> handleAuthException(CustomException e) {
+        return ErrorResponse.toResponseEntity(e.getErrorCode());
+    }
+
+    @ExceptionHandler(MethodArgumentNotValidException.class)
+    protected ResponseEntity<ErrorResponse> handleValidationException(MethodArgumentNotValidException e) {
+        // 유효성 검사에서 실패한 필드와 오류 메시지를 추출
+        String errorMessages = e.getBindingResult().getFieldErrors().stream()
+                .map(error -> error.getField() + ": " + error.getDefaultMessage())
+                .reduce((msg1, msg2) -> msg1 + ", " + msg2)
+                .orElse("유효성 검사 실패");
+
+        // ErrorResponse 객체를 생성하여 응답 반환
+        AuthErrorCode validationFailed = AuthErrorCode.VALIDATION_FAILED;
+        return ResponseEntity.status(validationFailed.getStatus())
+                .body(ErrorResponse.builder()
+                        .status(validationFailed.getStatus().value())
+                        .name(validationFailed.getName())
+                        .code(validationFailed.getCode())
+                        .message(errorMessages)
+                        .build());
     }
 }
\ No newline at end of file
diff --git a/src/main/java/withbeetravel/jwt/JwtAuthFilter.java b/src/main/java/withbeetravel/jwt/JwtAuthFilter.java
new file mode 100644
index 00000000..767c3bd3
--- /dev/null
+++ b/src/main/java/withbeetravel/jwt/JwtAuthFilter.java
@@ -0,0 +1,95 @@
+package withbeetravel.jwt;
+
+import com.fasterxml.jackson.databind.ObjectMapper;
+import jakarta.servlet.FilterChain;
+import jakarta.servlet.ServletException;
+import jakarta.servlet.http.HttpServletRequest;
+import jakarta.servlet.http.HttpServletResponse;
+import lombok.RequiredArgsConstructor;
+import org.springframework.http.ResponseEntity;
+import org.springframework.security.authentication.UsernamePasswordAuthenticationToken;
+import org.springframework.security.core.context.SecurityContextHolder;
+import org.springframework.security.core.userdetails.UserDetails;
+import org.springframework.web.filter.OncePerRequestFilter;
+import withbeetravel.dto.response.ErrorResponse;
+import withbeetravel.exception.error.AuthErrorCode;
+import withbeetravel.service.auth.CustomUserDetailsService;
+
+import java.io.IOException;
+import java.util.Map;
+
+// jwt의 검증 필터 수행
+@RequiredArgsConstructor
+public class JwtAuthFilter extends OncePerRequestFilter {
+
+    private final CustomUserDetailsService customUserDetailsService;
+    private final JwtUtil jwtUtil;
+    @Override
+    protected void doFilterInternal(HttpServletRequest request, HttpServletResponse response, FilterChain filterChain)
+            throws ServletException, IOException {
+        final String token = request.getHeader("Authorization");
+        String userId = null;
+
+        // Bearer Token 검증 후 userId 조회
+        if (token != null && !token.isEmpty()) {
+            String jwtToken = token.substring(7);
+            userId = jwtUtil.getUserNameFromToken(jwtToken);
+
+            // 토큰 에러 코드 처리
+            if (handleTokenError(response, userId)) return;
+        }
+
+        // token 검증 완료 후 SecurityContextHolder에 내 인증 정보가 없는 경우 저장
+        if (userId != null && !userId.isEmpty() && SecurityContextHolder.getContext().getAuthentication() == null) {
+            // 유저와 토큰 일치 시 userDetails 생성
+            UserDetails userDetails = customUserDetailsService.loadUserByUsername(userId);
+
+            if (userDetails != null) {
+                // UserDetails, Password, Role -> 접근 권한 인증 Token 생성
+                UsernamePasswordAuthenticationToken usernamePasswordAuthenticationToken = new UsernamePasswordAuthenticationToken(
+                        userDetails, null, userDetails.getAuthorities()
+                );
+
+                // 현재 request의 Security Context에 접근 권한 설정
+                SecurityContextHolder.getContext()
+                        .setAuthentication(usernamePasswordAuthenticationToken);
+            }
+        }
+        filterChain.doFilter(request, response); // 다음 필터로 넘김
+    }
+
+    private boolean handleTokenError(HttpServletResponse response, String userId) {
+        Map<String, AuthErrorCode> errorCodeMap = Map.of(
+            "EXPIRED", AuthErrorCode.EXPIRED_JWT,
+                "INVALID", AuthErrorCode.INVALID_JWT,
+                "UNSUPPORTED", AuthErrorCode.UNSUPPORTED_JWT,
+                "EMPTY", AuthErrorCode.EMPTY_JWT
+        );
+
+        if (errorCodeMap.containsKey(userId)) {
+            jwtExceptionHandler(response, errorCodeMap.get(userId));
+            return true;
+        }
+        return false;
+    }
+
+    public void jwtExceptionHandler(HttpServletResponse response, AuthErrorCode authErrorCode) {
+        try {
+            // ErrorResponse 생성
+            ResponseEntity<ErrorResponse> errorResponseEntity = ErrorResponse.toResponseEntity(authErrorCode);
+
+            // Http 상태 코드 설정
+            response.setStatus(errorResponseEntity.getStatusCodeValue());
+            response.setContentType("application/json");
+            response.setCharacterEncoding("UTF-8");
+
+            // JSON으로 변환하여 응답 본문에 작성
+            ObjectMapper objectMapper = new ObjectMapper();
+            String jsonResponse = objectMapper.writeValueAsString(errorResponseEntity.getBody());
+            response.getWriter().write(jsonResponse);
+
+        } catch (IOException e) {
+            throw new RuntimeException(e);
+        }
+    }
+}
diff --git a/src/main/java/withbeetravel/jwt/JwtUtil.java b/src/main/java/withbeetravel/jwt/JwtUtil.java
new file mode 100644
index 00000000..1fb22a6c
--- /dev/null
+++ b/src/main/java/withbeetravel/jwt/JwtUtil.java
@@ -0,0 +1,144 @@
+package withbeetravel.jwt;
+
+import io.jsonwebtoken.*;
+import io.jsonwebtoken.io.Decoders;
+import io.jsonwebtoken.security.Keys;
+import io.jsonwebtoken.security.SecurityException;
+import lombok.extern.slf4j.Slf4j;
+import org.springframework.beans.factory.annotation.Value;
+import org.springframework.stereotype.Component;
+import withbeetravel.exception.CustomException;
+import withbeetravel.exception.error.AuthErrorCode;
+
+import java.security.Key;
+import java.util.Date;
+import java.util.HashMap;
+import java.util.Map;
+import java.util.function.Function;
+
+// JwtUtil : jwt 생성 및 검증
+@Slf4j
+@Component
+public class JwtUtil {
+
+    // jwt 서명에 사용할 key
+    private final Key key;
+
+    // 액세스 토큰의 만료 시간
+    private final long accessTokenExpTime;
+
+    public JwtUtil(@Value("${jwt.secret}") final String secretKey,
+                   @Value("${jwt.expiration_time}") final long accessTokenExpTime) {
+
+        // secretKey를 Base64로 디코딩하여 SHA 알고리즘을 사용하도록 변환
+        byte[] keyBytes = Decoders.BASE64.decode(secretKey);
+        this.key = Keys.hmacShaKeyFor(keyBytes);
+        this.accessTokenExpTime = accessTokenExpTime;
+    }
+
+    // Token에서 UserName 조회
+    public String getUserNameFromToken(final String token) {
+        return getClaimFromToken(token, Claims::getId);
+    }
+
+    // token의 사용자 속성 정보 조회
+    public <T> T getClaimFromToken(final String token, final Function<Claims, T> claimsResolver) {
+
+        TokenStatus tokenStatus = isValidToken(token);
+
+        if (tokenStatus.equals(TokenStatus.VALID)) {
+            final Claims claims = getAllClaimsFromToken(token);
+            return claimsResolver.apply(claims);
+        } else { // 토큰 관련 에러가 발생했을 경우
+            return (T) String.valueOf(tokenStatus);
+        }
+    }
+
+    // token 사용자 모든 속성 정보 조회
+    private Claims getAllClaimsFromToken(String token) {
+        try {
+            return Jwts.parserBuilder()
+                    .setSigningKey(key)
+                    .build()
+                    .parseClaimsJws(token)
+                    .getBody();
+        } catch (ExpiredJwtException e) {
+            return e.getClaims();
+        }
+    }
+
+    // Access Token 생성
+    public String generateAccessToken(final String id) {
+
+        Map<String, Object> claims = new HashMap<>();
+
+        return Jwts.builder()
+                .setClaims(claims)
+                .setId(String.valueOf(id))
+                .setIssuedAt(new Date(System.currentTimeMillis()))
+                .setExpiration(new Date(System.currentTimeMillis() + accessTokenExpTime)) // 1시간
+                .signWith(key, SignatureAlgorithm.HS256)
+                .compact();
+    }
+
+    // Refresh Token 생성
+    public String generateRefreshToken(final String id) {
+
+        long refreshTokenExpTime = 7 * 24 * 60 * 60 * 1000;
+
+        return Jwts.builder()
+                .setId(String.valueOf(id))
+                .setIssuedAt(new Date(System.currentTimeMillis()))
+                .setExpiration(new Date(System.currentTimeMillis() + refreshTokenExpTime)) // 일주일
+                .signWith(key, SignatureAlgorithm.HS256)
+                .compact();
+    }
+
+
+    // jwt 검증
+    public TokenStatus isValidToken(final String token) {
+        try {
+            Jwts.parserBuilder().setSigningKey(key).build().parseClaimsJws(token);
+            return TokenStatus.VALID;
+        } catch (ExpiredJwtException e) {
+            log.warn("Expired JWT: {}", e.getMessage());
+            return TokenStatus.EXPIRED;
+        } catch (SecurityException | MalformedJwtException e) {
+            log.warn("Invalid JWT: {}", e.getMessage());
+            return TokenStatus.INVALID;
+        } catch (UnsupportedJwtException e) {
+            log.warn("Unsupported JWT: {}", e.getMessage());
+            return TokenStatus.UNSUPPORTED;
+        } catch (IllegalArgumentException e) {
+            log.warn("JWT claims string is empty: {}", e.getMessage());
+            return TokenStatus.EMPTY;
+        }
+    }
+
+    public Date getExpirationDateFromToken(final String token) {
+        // 토큰 상태 확인
+        TokenStatus tokenStatus = isValidToken(token);
+
+        // 각 토큰 상태에 맞는 예외를 던지기
+        checkTokenStatus(tokenStatus);
+
+        // 정상적인 토큰인 경우 만료 날짜 추출
+        return getClaimFromToken(token, Claims::getExpiration);
+    }
+
+    private void checkTokenStatus(TokenStatus tokenStatus) {
+        switch (tokenStatus) {
+            case EXPIRED:
+                throw new CustomException(AuthErrorCode.EXPIRED_JWT);
+            case INVALID:
+                throw new CustomException(AuthErrorCode.INVALID_JWT);
+            case UNSUPPORTED:
+                throw new CustomException(AuthErrorCode.UNSUPPORTED_JWT);
+            case EMPTY:
+                throw new CustomException(AuthErrorCode.EMPTY_JWT);
+            case VALID:
+                // 정상적인 토큰인 경우 만료 날짜 추출
+                break;
+        }
+    }
+}
\ No newline at end of file
diff --git a/src/main/java/withbeetravel/jwt/TokenStatus.java b/src/main/java/withbeetravel/jwt/TokenStatus.java
new file mode 100644
index 00000000..a7b5c273
--- /dev/null
+++ b/src/main/java/withbeetravel/jwt/TokenStatus.java
@@ -0,0 +1,9 @@
+package withbeetravel.jwt;
+
+public enum TokenStatus {
+    VALID,
+    EXPIRED,
+    INVALID,
+    UNSUPPORTED,
+    EMPTY
+}
diff --git a/src/main/java/withbeetravel/repository/AccountRepository.java b/src/main/java/withbeetravel/repository/AccountRepository.java
new file mode 100644
index 00000000..7c510bf6
--- /dev/null
+++ b/src/main/java/withbeetravel/repository/AccountRepository.java
@@ -0,0 +1,21 @@
+package withbeetravel.repository;
+
+import org.springframework.data.jpa.repository.JpaRepository;
+import withbeetravel.domain.Account;
+import withbeetravel.domain.User;
+
+import java.util.List;
+import java.util.Optional;
+
+public interface AccountRepository extends JpaRepository<Account,Long> {
+
+    List<Account> findByUserId(Long userId);
+
+    Optional<Account> findByAccountNumber(String accountNumber);
+
+    User findUserById(Long accountId);
+
+    Optional<Account> findAccountByUserId(Long userId);
+
+
+}
diff --git a/src/main/java/withbeetravel/repository/HistoryRepository.java b/src/main/java/withbeetravel/repository/HistoryRepository.java
new file mode 100644
index 00000000..d3165a54
--- /dev/null
+++ b/src/main/java/withbeetravel/repository/HistoryRepository.java
@@ -0,0 +1,16 @@
+package withbeetravel.repository;
+
+
+import org.springframework.data.jpa.repository.JpaRepository;
+import withbeetravel.domain.History;
+
+import java.time.LocalDateTime;
+import java.util.List;
+
+public interface HistoryRepository extends JpaRepository<History,Long> {
+    List<History> findByAccountId(Long accountId);
+
+    List<History> findByAccountIdOrderByDateDesc(Long accountId);
+
+    List<History> findByAccountIdAndDateBetween(Long accountId, LocalDateTime startDate, LocalDateTime endDate);
+}
diff --git a/src/main/java/withbeetravel/repository/LoginLogRepository.java b/src/main/java/withbeetravel/repository/LoginLogRepository.java
new file mode 100644
index 00000000..4887b32f
--- /dev/null
+++ b/src/main/java/withbeetravel/repository/LoginLogRepository.java
@@ -0,0 +1,31 @@
+package withbeetravel.repository;
+
+import org.springframework.data.domain.Page;
+import org.springframework.data.domain.Pageable;
+import org.springframework.data.jpa.repository.JpaRepository;
+import org.springframework.data.jpa.repository.Query;
+import org.springframework.data.repository.query.Param;
+import withbeetravel.domain.LoginLog;
+import withbeetravel.domain.LoginLogType;
+
+import java.time.LocalDateTime;
+import java.util.List;
+import java.util.Optional;
+
+public interface LoginLogRepository extends JpaRepository<LoginLog,Long> {
+    Page<LoginLog> findAllByUser_Id(Long id, Pageable pageable);
+
+    Page<LoginLog> findAllByUser_IdAndLoginLogType(Long userId, LoginLogType loginLogType, Pageable pageable);
+
+    @Query("SELECT COUNT(l) FROM LoginLog l WHERE l.loginLogType IN :types")
+    long countByLoginLogTypeIn(@Param("types") List<LoginLogType> loginLogTypes);
+
+    @Query("SELECT l.createdAt FROM LoginLog l WHERE l.user.id = :userId ORDER BY l.createdAt ASC")
+    LocalDateTime findOldestLoginLogCreatedAtByUserId(@Param("userId") Long userId);
+
+    @Query("SELECT l FROM LoginLog l WHERE l.user.id = :userId AND l.loginLogType = 'REGISTER' ORDER BY l.createdAt ASC LIMIT 1")
+    Optional<LoginLog> findFirstRegisterLogByUserId(@Param("userId") Long userId);
+
+    @Query("SELECT l FROM LoginLog l WHERE l.user.id = :userId AND l.loginLogType = 'LOGIN' ORDER BY l.createdAt DESC LIMIT 1")
+    Optional<LoginLog> findMostRecentLoginLogByUserId(@Param("userId") Long userId);
+}
diff --git a/src/main/java/withbeetravel/repository/PaymentParticipatedMemberRepository.java b/src/main/java/withbeetravel/repository/PaymentParticipatedMemberRepository.java
new file mode 100644
index 00000000..dd191f4d
--- /dev/null
+++ b/src/main/java/withbeetravel/repository/PaymentParticipatedMemberRepository.java
@@ -0,0 +1,17 @@
+package withbeetravel.repository;
+
+import org.springframework.data.jpa.repository.JpaRepository;
+import org.springframework.stereotype.Repository;
+import withbeetravel.domain.PaymentParticipatedMember;
+
+import java.util.List;
+
+@Repository
+public interface PaymentParticipatedMemberRepository extends JpaRepository<PaymentParticipatedMember, Long> {
+
+    List<PaymentParticipatedMember> findAllBySharedPaymentId(Long sharedPaymentId);
+
+    List<PaymentParticipatedMember> findAllByTravelMemberId(Long travelMemberId);
+
+    boolean existsByTravelMemberIdAndSharedPaymentId(Long travelMemberId, Long sharedPaymentId);
+}
diff --git a/src/main/java/withbeetravel/repository/RefreshTokenRepository.java b/src/main/java/withbeetravel/repository/RefreshTokenRepository.java
new file mode 100644
index 00000000..375a341c
--- /dev/null
+++ b/src/main/java/withbeetravel/repository/RefreshTokenRepository.java
@@ -0,0 +1,24 @@
+package withbeetravel.repository;
+
+import org.springframework.data.jpa.repository.JpaRepository;
+import org.springframework.data.jpa.repository.Modifying;
+import org.springframework.data.jpa.repository.Query;
+import withbeetravel.domain.RefreshToken;
+
+import java.util.Date;
+import java.util.Optional;
+
+public interface RefreshTokenRepository extends JpaRepository<RefreshToken, Long> {
+
+    boolean existsByUserId(Long userId);
+
+    @Modifying
+    @Query("delete from RefreshToken r where r.user.id = :userId")
+    void deleteByUserId(Long userId);
+
+    Optional<RefreshToken> findByToken(String token);
+
+    void deleteByToken(String token);
+
+    void deleteAllByExpirationTimeBefore(Date date);
+}
diff --git a/src/main/java/withbeetravel/repository/SettlementRequestLogRepository.java b/src/main/java/withbeetravel/repository/SettlementRequestLogRepository.java
new file mode 100644
index 00000000..4d8316f8
--- /dev/null
+++ b/src/main/java/withbeetravel/repository/SettlementRequestLogRepository.java
@@ -0,0 +1,11 @@
+package withbeetravel.repository;
+
+import org.springframework.data.jpa.repository.JpaRepository;
+import withbeetravel.domain.SettlementRequestLog;
+import java.util.List;
+
+public interface SettlementRequestLogRepository extends JpaRepository<SettlementRequestLog, Long> {
+    List<SettlementRequestLog> findAllByTravelId(Long travelId);
+
+    List<SettlementRequestLog> findAllByUserId(Long userId);
+}
diff --git a/src/main/java/withbeetravel/repository/SettlementRequestRepository.java b/src/main/java/withbeetravel/repository/SettlementRequestRepository.java
new file mode 100644
index 00000000..79344e29
--- /dev/null
+++ b/src/main/java/withbeetravel/repository/SettlementRequestRepository.java
@@ -0,0 +1,12 @@
+package withbeetravel.repository;
+
+import org.springframework.data.jpa.repository.JpaRepository;
+import withbeetravel.domain.SettlementRequest;
+
+import java.util.Optional;
+
+public interface SettlementRequestRepository extends JpaRepository<SettlementRequest, Long> {
+    Optional<SettlementRequest> findByTravelId(Long travelId);
+
+    boolean existsByTravelId(Long travelId);
+}
\ No newline at end of file
diff --git a/src/main/java/withbeetravel/repository/SharedPaymentRepository.java b/src/main/java/withbeetravel/repository/SharedPaymentRepository.java
new file mode 100644
index 00000000..3df86098
--- /dev/null
+++ b/src/main/java/withbeetravel/repository/SharedPaymentRepository.java
@@ -0,0 +1,45 @@
+package withbeetravel.repository;
+
+import org.springframework.data.domain.Page;
+import org.springframework.data.domain.Pageable;
+import org.springframework.data.jpa.repository.JpaRepository;
+import org.springframework.data.jpa.repository.Query;
+import org.springframework.data.repository.query.Param;
+import org.springframework.stereotype.Repository;
+import withbeetravel.domain.Category;
+import withbeetravel.domain.SharedPayment;
+
+import java.time.LocalDate;
+import java.util.List;
+import java.util.Optional;
+
+@Repository
+public interface SharedPaymentRepository extends JpaRepository<SharedPayment, Long> {
+
+    public Optional<SharedPayment> findByIdAndTravelId(Long id, Long travelId);
+
+    List<SharedPayment> findAllByTravelId(Long travelId);
+
+    List<SharedPayment> findAllByAddedByMemberId(Long addedByMemberId);
+
+
+    // 결제 내역 조회
+    @Query("SELECT DISTINCT sp FROM SharedPayment sp " +
+            "LEFT JOIN FETCH sp.paymentParticipatedMembers ppm " +
+            "LEFT JOIN FETCH ppm.travelMember " +
+            "WHERE sp.travel.id = :travelId " +
+            "AND (:memberId IS NULL OR EXISTS (SELECT 1 FROM PaymentParticipatedMember pm " +
+            "                                 WHERE pm.sharedPayment = sp " +
+            "                                 AND pm.travelMember.id = :memberId)) " +
+            "AND (:startDate IS NULL OR DATE(sp.paymentDate) >= :startDate) " +
+            "AND (:endDate IS NULL OR DATE(sp.paymentDate) <= :endDate)" +
+            "AND (COALESCE(:category, sp.category) = sp.category)")
+    Page<SharedPayment> findAllByTravelIdAndMemberIdAndDateRange(
+            @Param("travelId") Long travelId,
+            @Param("memberId") Long memberId,
+            @Param("startDate") LocalDate startDate,
+            @Param("endDate") LocalDate endDate,
+            @Param("category") Category category,
+            Pageable pageable
+    );
+}
diff --git a/src/main/java/withbeetravel/repository/TravelCountryRepository.java b/src/main/java/withbeetravel/repository/TravelCountryRepository.java
new file mode 100644
index 00000000..93179f6b
--- /dev/null
+++ b/src/main/java/withbeetravel/repository/TravelCountryRepository.java
@@ -0,0 +1,16 @@
+package withbeetravel.repository;
+
+import org.springframework.data.jpa.repository.JpaRepository;
+import org.springframework.stereotype.Repository;
+import withbeetravel.domain.Travel;
+import withbeetravel.domain.TravelCountry;
+
+import java.util.List;
+
+@Repository
+public interface TravelCountryRepository extends JpaRepository<TravelCountry, Long> {
+
+    List<TravelCountry> findByTravelId(Long travelId);
+
+    void deleteByTravel(Travel travel);
+}
diff --git a/src/main/java/withbeetravel/repository/TravelMemberRepository.java b/src/main/java/withbeetravel/repository/TravelMemberRepository.java
new file mode 100644
index 00000000..58dfd78b
--- /dev/null
+++ b/src/main/java/withbeetravel/repository/TravelMemberRepository.java
@@ -0,0 +1,26 @@
+package withbeetravel.repository;
+
+import org.springframework.data.domain.Page;
+import org.springframework.data.domain.Pageable;
+import org.springframework.data.jpa.repository.JpaRepository;
+import org.springframework.stereotype.Repository;
+import withbeetravel.domain.TravelMember;
+import java.util.List;
+
+import java.util.Optional;
+
+@Repository
+public interface TravelMemberRepository extends JpaRepository<TravelMember, Long> {
+
+    Optional<TravelMember> findByTravelIdAndUserId(Long travelId, Long userId);
+
+    List<TravelMember> findAllByTravelId(Long travelId);
+
+    int countByTravelId(Long travelId);
+
+    List<TravelMember> findAllByUserId(Long userId);
+
+    boolean existsByTravelIdAndUserId(Long travelId, Long userId);
+
+    Page<TravelMember> findAllByUserId(Long userId, Pageable pageable);
+}
diff --git a/src/main/java/withbeetravel/repository/TravelMemberSettlementHistoryRepository.java b/src/main/java/withbeetravel/repository/TravelMemberSettlementHistoryRepository.java
new file mode 100644
index 00000000..46dfe1f1
--- /dev/null
+++ b/src/main/java/withbeetravel/repository/TravelMemberSettlementHistoryRepository.java
@@ -0,0 +1,21 @@
+package withbeetravel.repository;
+
+import org.springframework.data.jpa.repository.JpaRepository;
+import org.springframework.data.jpa.repository.Query;
+import org.springframework.data.repository.query.Param;
+import org.springframework.stereotype.Repository;
+import withbeetravel.domain.TravelMemberSettlementHistory;
+
+import java.util.List;
+
+public interface TravelMemberSettlementHistoryRepository extends JpaRepository<TravelMemberSettlementHistory, Long> {
+    List<TravelMemberSettlementHistory> findAllBySettlementRequestId(Long settlementRequestId);
+    TravelMemberSettlementHistory findTravelMemberSettlementHistoryBySettlementRequestIdAndTravelMemberId(Long settlementRequestId, Long travelMemberId);
+
+    @Query("SELECT t FROM TravelMemberSettlementHistory t WHERE t.settlementRequest.id = :settlementRequestId " +
+            "ORDER BY (t.ownPaymentCost - t.actualBurdenCost)")
+    List<TravelMemberSettlementHistory>
+    findAllBySettlementRequestIdOrderByCalculatedCost(@Param("settlementRequestId") Long settlementRequestId);
+
+   void deleteAllBySettlementRequestId(Long settlementRequestId);
+}
diff --git a/src/main/java/withbeetravel/repository/TravelRepository.java b/src/main/java/withbeetravel/repository/TravelRepository.java
new file mode 100644
index 00000000..e0217e0b
--- /dev/null
+++ b/src/main/java/withbeetravel/repository/TravelRepository.java
@@ -0,0 +1,20 @@
+package withbeetravel.repository;
+
+import org.springframework.data.domain.Page;
+import org.springframework.data.domain.Pageable;
+import org.springframework.data.jpa.repository.JpaRepository;
+import org.springframework.stereotype.Repository;
+import withbeetravel.domain.Travel;
+
+import java.time.LocalDate;
+import java.util.List;
+import java.util.Optional;
+
+@Repository
+public interface TravelRepository extends JpaRepository<Travel, Long> {
+    Optional<Travel> findByInviteCode(String inviteCode);
+
+    List<Travel> findAllByTravelEndDate(LocalDate localDate);
+
+    Page<Travel> findAll(Pageable pageable);
+}
diff --git a/src/main/java/withbeetravel/repository/UserRepository.java b/src/main/java/withbeetravel/repository/UserRepository.java
new file mode 100644
index 00000000..4de19f5a
--- /dev/null
+++ b/src/main/java/withbeetravel/repository/UserRepository.java
@@ -0,0 +1,19 @@
+package withbeetravel.repository;
+
+import org.springframework.data.domain.Page;
+import org.springframework.data.domain.Pageable;
+import org.springframework.data.jpa.repository.JpaRepository;
+import withbeetravel.domain.User;
+
+import java.util.Optional;
+
+
+public interface UserRepository extends JpaRepository<User, Long> {
+    Optional<User> findUserByEmail(String email);
+    boolean existsByEmail(String email);
+
+    Page<User> findAll(Pageable pageable);
+
+    Page<User> findByNameContaining(String name, Pageable pageable);
+}
+
diff --git a/src/main/java/withbeetravel/repository/notification/EmitterRepository.java b/src/main/java/withbeetravel/repository/notification/EmitterRepository.java
new file mode 100644
index 00000000..8640bead
--- /dev/null
+++ b/src/main/java/withbeetravel/repository/notification/EmitterRepository.java
@@ -0,0 +1,15 @@
+package withbeetravel.repository.notification;
+
+import org.springframework.web.servlet.mvc.method.annotation.SseEmitter;
+
+import java.util.Map;
+
+public interface EmitterRepository {
+    SseEmitter save(String emitterId, SseEmitter sseEmitter);
+    void saveEventCache(String eventCacheId, Object event);
+    Map<String, SseEmitter> findAllEmitterStartWithByUserId(String userId);
+    Map<String, Object> findAllEventCacheStartWithByUserId(String userId);
+    void deleteById(String id);
+    void deleteAllEmitterStartWithId(String userId);
+    void deleteAllEventCacheStartWithId(String userId);
+}
diff --git a/src/main/java/withbeetravel/repository/notification/EmitterRepositoryImpl.java b/src/main/java/withbeetravel/repository/notification/EmitterRepositoryImpl.java
new file mode 100644
index 00000000..719b4c60
--- /dev/null
+++ b/src/main/java/withbeetravel/repository/notification/EmitterRepositoryImpl.java
@@ -0,0 +1,75 @@
+package withbeetravel.repository.notification;
+
+import lombok.extern.slf4j.Slf4j;
+import org.springframework.stereotype.Repository;
+import org.springframework.web.servlet.mvc.method.annotation.SseEmitter;
+
+import java.util.Map;
+import java.util.concurrent.ConcurrentHashMap;
+import java.util.stream.Collectors;
+
+@Repository
+@Slf4j
+public class EmitterRepositoryImpl implements EmitterRepository{
+    private final Map<String, SseEmitter> emitters = new ConcurrentHashMap<>();
+    private final Map<String, Object> eventCache = new ConcurrentHashMap<>();
+
+    // Emitter를 저장
+    @Override
+    public SseEmitter save(String emitterId, SseEmitter sseEmitter) {
+        emitters.put(emitterId, sseEmitter);
+        return sseEmitter;
+    }
+
+    // event를 저장
+    @Override
+    public void saveEventCache(String eventCacheId, Object event) {
+        eventCache.put(eventCacheId, event);
+    }
+
+    // 해당 회원과 관련된 모든 Emitters를 찾음
+    @Override
+    public Map<String, SseEmitter> findAllEmitterStartWithByUserId(String userId) {
+        return emitters.entrySet().stream()
+                .filter(entry -> entry.getKey().startsWith(userId))
+                .collect(Collectors.toMap(Map.Entry::getKey, Map.Entry::getValue));
+    }
+
+    // 해당 회원과 관련된 모든 event를 찾음
+    @Override
+    public Map<String, Object> findAllEventCacheStartWithByUserId(String userId) {
+        return eventCache.entrySet().stream()
+                .filter(entry -> entry.getKey().startsWith(userId))
+                .collect(Collectors.toMap(Map.Entry::getKey, Map.Entry::getValue));
+    }
+
+    // emitter를 지움
+    @Override
+    public void deleteById(String id) {
+        emitters.remove(id);
+    }
+
+    // 해당 회원과 관련된 모든 emitter를 지움
+    @Override
+    public void deleteAllEmitterStartWithId(String userId) {
+        emitters.forEach(
+                (key, emitter) -> {
+                    if (key.startsWith(userId)) {
+                        emitters.remove(key);
+                    }
+                }
+        );
+    }
+
+    // 해당 회원과 관련된 모든 event를 지움
+    @Override
+    public void deleteAllEventCacheStartWithId(String userId) {
+        eventCache.forEach(
+                (key, emitter) -> {
+                    if (key.startsWith(userId)) {
+                        eventCache.remove(key);
+                    }
+                }
+        );
+    }
+}
diff --git a/src/main/java/withbeetravel/scheduler/RefreshTokenScheduler.java b/src/main/java/withbeetravel/scheduler/RefreshTokenScheduler.java
new file mode 100644
index 00000000..a0e0a633
--- /dev/null
+++ b/src/main/java/withbeetravel/scheduler/RefreshTokenScheduler.java
@@ -0,0 +1,25 @@
+package withbeetravel.scheduler;
+
+import lombok.RequiredArgsConstructor;
+import org.springframework.scheduling.annotation.Scheduled;
+import org.springframework.stereotype.Component;
+import withbeetravel.exception.CustomException;
+import withbeetravel.exception.error.AuthErrorCode;
+import withbeetravel.service.auth.AuthService;
+
+@Component
+@RequiredArgsConstructor
+public class RefreshTokenScheduler {
+
+    private final AuthService authService;
+
+    @Scheduled(cron = "0 0 2 * * ?", zone = "Asia/Seoul")
+    public void deleteExpiredToken() {
+        try {
+            authService.deleteExpiredToken();
+        } catch (Exception e) {
+            throw new CustomException(AuthErrorCode.SCHEDULER_PROCESSING_FAILED);
+        }
+    }
+
+}
diff --git a/src/main/java/withbeetravel/scheduler/SettlementRequestLogScheduler.java b/src/main/java/withbeetravel/scheduler/SettlementRequestLogScheduler.java
new file mode 100644
index 00000000..76651cf3
--- /dev/null
+++ b/src/main/java/withbeetravel/scheduler/SettlementRequestLogScheduler.java
@@ -0,0 +1,26 @@
+package withbeetravel.scheduler;
+
+import lombok.RequiredArgsConstructor;
+import org.springframework.scheduling.annotation.Scheduled;
+import org.springframework.stereotype.Component;
+import withbeetravel.exception.CustomException;
+import withbeetravel.exception.error.SettlementErrorCode;
+
+import withbeetravel.service.notification.SettlementRequestLogService;
+
+@Component
+@RequiredArgsConstructor
+public class SettlementRequestLogScheduler {
+
+    private final SettlementRequestLogService settlementRequestLogService;
+
+    // 메일 오후 6시에 실행
+    @Scheduled(cron = "0 0 18 * * *", zone = "Asia/Seoul")
+    public void createSettlementLogsForEndedTravels() {
+        try {
+            settlementRequestLogService.createSettlementLogsForEndedTravels();
+        } catch (Exception e) {
+            throw new CustomException(SettlementErrorCode.SCHEDULER_PROCESSING_FAILED);
+        }
+    }
+}
diff --git a/src/main/java/withbeetravel/security/CookieUtil.java b/src/main/java/withbeetravel/security/CookieUtil.java
new file mode 100644
index 00000000..becf64d2
--- /dev/null
+++ b/src/main/java/withbeetravel/security/CookieUtil.java
@@ -0,0 +1,21 @@
+package withbeetravel.security;
+
+import lombok.RequiredArgsConstructor;
+import org.springframework.http.ResponseCookie;
+import org.springframework.stereotype.Component;
+
+import java.time.Duration;
+
+@Component
+@RequiredArgsConstructor
+public class CookieUtil {
+    public ResponseCookie createHttpOnlyCookie(String refreshToken) {
+        return ResponseCookie.from("refreshToken", refreshToken)
+                .httpOnly(true)
+                .secure(true)
+                .path("/")
+                .maxAge(Duration.ofDays(30))
+                .sameSite("None")
+                .build();
+    }
+}
diff --git a/src/main/java/withbeetravel/security/CustomUserDetails.java b/src/main/java/withbeetravel/security/CustomUserDetails.java
new file mode 100644
index 00000000..a8075b26
--- /dev/null
+++ b/src/main/java/withbeetravel/security/CustomUserDetails.java
@@ -0,0 +1,60 @@
+package withbeetravel.security;
+
+import lombok.Getter;
+import lombok.RequiredArgsConstructor;
+import org.springframework.security.core.GrantedAuthority;
+import org.springframework.security.core.authority.SimpleGrantedAuthority;
+import org.springframework.security.core.userdetails.UserDetails;
+import withbeetravel.dto.request.auth.CustomUserInfo;
+
+import java.util.ArrayList;
+import java.util.Collection;
+import java.util.List;
+
+// 사용자 인증 및 권한 정보 설정
+@Getter
+@RequiredArgsConstructor
+public class CustomUserDetails implements UserDetails {
+
+    private final CustomUserInfo user;
+
+    @Override
+    public Collection<? extends GrantedAuthority> getAuthorities() {
+        List<String> roles = new ArrayList<>();
+        roles.add("ROLE_" + user.getRole().toString());
+
+        return roles.stream()
+                .map(SimpleGrantedAuthority::new)
+                .toList();
+    }
+
+    @Override
+    public String getPassword() {
+        return user.getPassword();
+    }
+
+    @Override
+    public String getUsername() {
+        return user.getEmail();
+    }
+
+    @Override
+    public boolean isAccountNonExpired() {
+        return true;
+    }
+
+    @Override
+    public boolean isAccountNonLocked() {
+        return true;
+    }
+
+    @Override
+    public boolean isCredentialsNonExpired() {
+        return true;
+    }
+
+    @Override
+    public boolean isEnabled() {
+        return true;
+    }
+}
diff --git a/src/main/java/withbeetravel/security/UserAuthorizationUtil.java b/src/main/java/withbeetravel/security/UserAuthorizationUtil.java
new file mode 100644
index 00000000..f3bfa78d
--- /dev/null
+++ b/src/main/java/withbeetravel/security/UserAuthorizationUtil.java
@@ -0,0 +1,18 @@
+package withbeetravel.security;
+
+import org.springframework.security.core.Authentication;
+import org.springframework.security.core.context.SecurityContextHolder;
+
+// SecurityContextHolder에서 로그인한 사용자 정보를 불러오는 Util
+public class UserAuthorizationUtil {
+    public UserAuthorizationUtil() {
+        throw new AssertionError();
+    }
+
+    public static Long getLoginUserId() {
+        Authentication authentication = SecurityContextHolder.getContext().getAuthentication();
+        CustomUserDetails userDetails = (CustomUserDetails) authentication.getPrincipal();
+
+        return userDetails.getUser().getId();
+    }
+}
diff --git a/src/main/java/withbeetravel/service/admin/AdminService.java b/src/main/java/withbeetravel/service/admin/AdminService.java
new file mode 100644
index 00000000..92c8b99b
--- /dev/null
+++ b/src/main/java/withbeetravel/service/admin/AdminService.java
@@ -0,0 +1,23 @@
+package withbeetravel.service.admin;
+
+import org.springframework.data.domain.Page;
+import withbeetravel.domain.Travel;
+import withbeetravel.dto.request.admin.TravelAdminRequest;
+import withbeetravel.dto.request.admin.UserRequest;
+import withbeetravel.dto.response.admin.DashboardResponse;
+import withbeetravel.dto.request.admin.LoginLogRequest;
+import withbeetravel.dto.response.admin.LoginLogResponse;
+import withbeetravel.dto.response.admin.TravelAdminResponse;
+import withbeetravel.dto.response.admin.UserResponse;
+
+public interface AdminService {
+    Page<LoginLogResponse> showAllLoginHistories(LoginLogRequest loginLogRequest);
+
+    DashboardResponse getLoginAttempts();
+
+    Page<UserResponse> showUsers(UserRequest userRequest);
+
+    Page<TravelAdminResponse> showTravels(TravelAdminRequest travelAdminRequest);
+
+    TravelAdminResponse convertToTravelAdminResponse(Travel travel);
+}
diff --git a/src/main/java/withbeetravel/service/admin/AdminServiceImpl.java b/src/main/java/withbeetravel/service/admin/AdminServiceImpl.java
new file mode 100644
index 00000000..467242a7
--- /dev/null
+++ b/src/main/java/withbeetravel/service/admin/AdminServiceImpl.java
@@ -0,0 +1,107 @@
+package withbeetravel.service.admin;
+
+import lombok.RequiredArgsConstructor;
+import org.springframework.data.domain.Page;
+import org.springframework.data.domain.PageRequest;
+import org.springframework.data.domain.Pageable;
+import org.springframework.stereotype.Service;
+import withbeetravel.domain.*;
+import withbeetravel.dto.request.admin.TravelAdminRequest;
+import withbeetravel.dto.request.admin.UserRequest;
+import withbeetravel.dto.response.admin.DashboardResponse;
+import withbeetravel.dto.request.admin.LoginLogRequest;
+import withbeetravel.dto.response.admin.LoginLogResponse;
+import withbeetravel.dto.response.admin.TravelAdminResponse;
+import withbeetravel.dto.response.admin.UserResponse;
+import withbeetravel.repository.LoginLogRepository;
+import withbeetravel.repository.TravelMemberRepository;
+import withbeetravel.repository.TravelRepository;
+import withbeetravel.repository.UserRepository;
+
+import java.util.Arrays;
+import java.util.List;
+
+@Service
+@RequiredArgsConstructor
+public class AdminServiceImpl implements AdminService{
+
+    private final LoginLogRepository loginLogRepository;
+    private final UserRepository userRepository;
+    private final TravelRepository travelRepository;
+    private final TravelMemberRepository travelMemberRepository;
+
+    public DashboardResponse getLoginAttempts() {
+        List<LoginLogType> loginLogTypes = Arrays.asList(LoginLogType.LOGIN, LoginLogType.LOGIN_FAILED);
+
+        return DashboardResponse.builder().loginCount(loginLogRepository.countByLoginLogTypeIn(loginLogTypes))
+                .totalUser(userRepository.count())
+                .totalTravel(travelRepository.count()).build();
+    }
+
+    public Page<LoginLogResponse> showAllLoginHistories(LoginLogRequest loginLogRequest){
+
+        Pageable pageable = PageRequest.of(loginLogRequest.getPage(), loginLogRequest.getSize());
+
+        Page<LoginLog> loginLogs;
+
+        if (loginLogRequest.getLoginLogType() != null) {
+            loginLogs = loginLogRepository.findAllByUser_IdAndLoginLogType(loginLogRequest.getUserId(),
+                    loginLogRequest.getLoginLogType(), pageable);
+        } else {
+            loginLogs = loginLogRepository.findAllByUser_Id(loginLogRequest.getUserId(), pageable);
+        }
+
+        return loginLogs.map(LoginLogResponse::from);
+    }
+
+    public Page<UserResponse> showUsers(UserRequest userRequest) {
+        Pageable pageable = PageRequest.of(userRequest.getPage() - 1, userRequest.getSize());
+        Page<User> users;
+
+        if (userRequest.getName() != null && !userRequest.getName().isEmpty()) {
+            users = userRepository.findByNameContaining(userRequest.getName(), pageable);
+        } else {
+            users = userRepository.findAll(pageable);
+        }
+
+        return users.map(user -> {
+            LoginLog registerLog = loginLogRepository.findFirstRegisterLogByUserId(user.getId())
+                    .orElse(null);
+            LoginLog recentLoginLog = loginLogRepository.findMostRecentLoginLogByUserId(user.getId())
+                    .orElse(null);
+            return UserResponse.from(user, registerLog, recentLoginLog);
+        });
+    }
+
+    public Page<TravelAdminResponse> showTravels(TravelAdminRequest travelAdminRequest) {
+        Pageable pageable = PageRequest.of(travelAdminRequest.getPage() - 1, travelAdminRequest.getSize());
+
+        if (travelAdminRequest.getUserId() == null) {
+            return travelRepository.findAll(pageable)
+                    .map(this::convertToTravelAdminResponse);
+        } else {
+            return travelMemberRepository.findAllByUserId(travelAdminRequest.getUserId(), pageable)
+                    .map(travelMember -> convertToTravelAdminResponse(travelMember.getTravel()));
+        }
+    }
+
+    public TravelAdminResponse convertToTravelAdminResponse(Travel travel) {
+        return TravelAdminResponse.builder()
+                .travelId(travel.getId())
+                .travelName(travel.getTravelName())
+                .travelType(travel.isDomesticTravel() ? "국내" : "해외")
+                .travelStartDate(travel.getTravelStartDate().toString())
+                .travelEndDate(travel.getTravelEndDate().toString())
+                .totalMember(travel.getTravelMembers().size())
+                .captainId(travel.getTravelMembers().stream()
+                        .filter(TravelMember::isCaptain)
+                        .findFirst()
+                        .map(travelMember -> travelMember.getUser().getId())
+                        .orElse(null))
+                .settlementStatus(travel.getSettlementStatus().toString())
+                .build();
+    }
+
+
+
+}
diff --git a/src/main/java/withbeetravel/service/auth/AuthService.java b/src/main/java/withbeetravel/service/auth/AuthService.java
new file mode 100644
index 00000000..97f4b727
--- /dev/null
+++ b/src/main/java/withbeetravel/service/auth/AuthService.java
@@ -0,0 +1,23 @@
+package withbeetravel.service.auth;
+
+import withbeetravel.dto.request.auth.SignInRequest;
+import withbeetravel.dto.request.auth.SignUpRequest;
+import withbeetravel.dto.response.auth.ExpirationResponse;
+import withbeetravel.dto.response.auth.MyPageResponse;
+import withbeetravel.dto.response.auth.ReissueResponse;
+import withbeetravel.dto.response.auth.SignInResponse;
+
+public interface AuthService {
+    void signUp(SignUpRequest signUpRequest);
+    SignInResponse login(SignInRequest signInRequest);
+
+    ReissueResponse reissue(final String refreshToken);
+
+    ExpirationResponse checkExpirationTime(final String refreshToken);
+
+    void logout(final String refreshToken);
+
+    MyPageResponse getMyPageInfo(Long userId);
+
+    void deleteExpiredToken();
+}
diff --git a/src/main/java/withbeetravel/service/auth/AuthServiceImpl.java b/src/main/java/withbeetravel/service/auth/AuthServiceImpl.java
new file mode 100644
index 00000000..c78f919d
--- /dev/null
+++ b/src/main/java/withbeetravel/service/auth/AuthServiceImpl.java
@@ -0,0 +1,194 @@
+package withbeetravel.service.auth;
+
+import lombok.RequiredArgsConstructor;
+import org.springframework.security.crypto.bcrypt.BCryptPasswordEncoder;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+import withbeetravel.domain.*;
+import withbeetravel.dto.request.account.CreateAccountRequest;
+import withbeetravel.dto.request.auth.CustomUserInfo;
+import withbeetravel.dto.request.auth.SignInRequest;
+import withbeetravel.dto.request.auth.SignUpRequest;
+import withbeetravel.dto.response.auth.*;
+import withbeetravel.exception.CustomException;
+import withbeetravel.exception.error.AuthErrorCode;
+import withbeetravel.jwt.JwtUtil;
+import withbeetravel.jwt.TokenStatus;
+import withbeetravel.repository.AccountRepository;
+import withbeetravel.repository.HistoryRepository;
+import withbeetravel.repository.RefreshTokenRepository;
+import withbeetravel.repository.UserRepository;
+import withbeetravel.service.banking.AccountService;
+import withbeetravel.service.loginLog.LoginLogService;
+
+import java.time.LocalDateTime;
+import java.util.Date;
+import java.util.Random;
+
+import static java.util.Objects.isNull;
+
+@Service
+@RequiredArgsConstructor
+@Transactional
+public class AuthServiceImpl implements AuthService {
+
+    private final BCryptPasswordEncoder bCryptPasswordEncoder;
+    private final UserRepository userRepository;
+    private final JwtUtil jwtUtil;
+    private final RefreshTokenRepository refreshTokenRepository;
+    private final LoginLogService loginLogService;
+    private final AccountService accountService;
+    private final AccountRepository accountRepository;
+
+    @Override
+    public void signUp(SignUpRequest signUpRequest) {
+        if (userRepository.existsByEmail(signUpRequest.getEmail())) {
+            throw new CustomException(AuthErrorCode.EMAIL_ALREADY_EXISTS);
+        }
+
+        User user = User.builder()
+                .name(signUpRequest.getName())
+                .email(signUpRequest.getEmail())
+                .password(bCryptPasswordEncoder.encode(signUpRequest.getPassword()))
+                .profileImage((int) (Math.random() * 10) + 1)
+                .pinNumber(signUpRequest.getPinNumber())
+                .failedPinCount(0)
+                .pinLocked(false)
+                .roleType(RoleType.USER)
+                .build();
+        userRepository.save(user);
+
+        // 계좌 생성
+        createNewAccount(user);
+
+        loginLogService.logRegister(user,user.getEmail());
+    }
+
+    private void createNewAccount(User user) {
+        accountService.createAccount(user.getId(), CreateAccountRequest.builder().product(Product.WON통장).build());
+
+        Account account = accountRepository.findAccountByUserId(user.getId())
+                .orElseThrow(() -> new CustomException(AuthErrorCode.ACCOUNT_NOT_CREATED));
+
+        Random random = new Random();
+        int randomBalance = random.nextInt(500_000_000) + 1;
+
+        accountService.deposit(account.getId(), randomBalance, "여행 출발 지원금");
+
+        user.updateConnectedAccount(account);
+    }
+
+    @Override
+    public SignInResponse login(SignInRequest signInRequest) {
+        String email = signInRequest.getEmail();
+        String password = signInRequest.getPassword();
+
+        User user = userRepository.findUserByEmail(email)
+                .orElseThrow(() -> new CustomException(AuthErrorCode.EMAIL_NOT_FOUND));
+
+        if (!bCryptPasswordEncoder.matches(password, user.getPassword())) {
+            loginLogService.logLoginFailed(user,email); // 로그인 실패 로그 저장
+            throw new CustomException(AuthErrorCode.INVALID_PASSWORD);
+        }
+
+        CustomUserInfo info = CustomUserInfo.from(user);
+
+        // jwt 토큰 생성
+        String accessToken = jwtUtil.generateAccessToken(String.valueOf(info.getId()));
+
+        // 기존에 가지고 있는 사용자의 refresh token 제거
+        refreshTokenRepository.deleteByUserId(info.getId());
+
+        // refresh token 생성 후 저장
+        String refreshToken = jwtUtil.generateRefreshToken(String.valueOf(info.getId()));
+        refreshTokenRepository.save(
+                RefreshToken.builder()
+                        .user(user)
+                        .token(refreshToken)
+                        .expirationTime(jwtUtil.getExpirationDateFromToken(refreshToken))
+                        .build());
+
+        // AccessTokenDto 생성
+        UserAuthResponse userAuthResponse = UserAuthResponse.of(accessToken, user.getRoleType());
+
+        // 로그인 성공 로그 기록
+        loginLogService.logLoginSuccess(user, email);
+
+        return SignInResponse.of(userAuthResponse, refreshToken);
+    }
+
+    @Override
+    public ReissueResponse reissue(final String refreshToken) {
+        // refresh token 유효성 검사
+        checkRefreshToken(refreshToken);
+
+        // refresh token id 조회 (db에 존재하지 않으면 에러 처리)
+        RefreshToken foundRefreshToken = validateRefreshTokenExists(refreshToken);
+        Long id = foundRefreshToken.getUser().getId();;
+
+        // 새로운 Access Token 생성
+        String newAccessToken = jwtUtil.generateAccessToken(String.valueOf(id));
+
+        // 기존에 가지고 있는 사용자의 refresh token 제거
+        refreshTokenRepository.deleteByUserId(id);
+
+        // 새로운 refresh token 생성 후 저장
+        String newRefreshToken = jwtUtil.generateRefreshToken(String.valueOf(id));
+        Date expirationDateFromToken = jwtUtil.getExpirationDateFromToken(newRefreshToken);
+        User user = userRepository.findById(id).orElseThrow(() -> new CustomException(AuthErrorCode.USER_NOT_FOUND));
+        refreshTokenRepository.save(
+                RefreshToken.builder()
+                        .user(user)
+                        .token(newRefreshToken)
+                        .expirationTime(expirationDateFromToken)
+                        .build());
+
+        // AccessTokenDto 생성
+        AccessTokenResponse accessTokenResponse = AccessTokenResponse.builder().accessToken(newAccessToken).build();
+
+        return ReissueResponse.of(accessTokenResponse, newRefreshToken);
+    }
+
+    private RefreshToken validateRefreshTokenExists(String refreshToken) {
+        return refreshTokenRepository
+                .findByToken(refreshToken).orElseThrow(
+                        (() -> new CustomException(AuthErrorCode.REFRESH_TOKEN_NOT_FOUND)));
+    }
+
+    @Override
+    public ExpirationResponse checkExpirationTime(final String token) {
+        Date expirationDateFromToken = jwtUtil.getExpirationDateFromToken(token);
+        return ExpirationResponse.from(expirationDateFromToken);
+    }
+
+    @Override
+    public void logout(String refreshToken) {
+        if (!isNull(refreshToken)) {
+            refreshTokenRepository.deleteByToken(validateRefreshTokenExists(refreshToken).getToken());
+        }
+    }
+
+    @Override
+    public MyPageResponse getMyPageInfo(Long userId) {
+
+        User user = getUser(userId);
+
+        return MyPageResponse.from(user);
+    }
+
+    @Override
+    public void deleteExpiredToken() {
+        refreshTokenRepository.deleteAllByExpirationTimeBefore(new Date());
+    }
+
+    private void checkRefreshToken(final String refreshToken) {
+        if (!jwtUtil.isValidToken(refreshToken).equals(TokenStatus.VALID)) {
+            throw new CustomException(AuthErrorCode.INVALID_REFRESH_TOKEN);
+        }
+    }
+
+    private User getUser(Long userId) {
+        return userRepository.findById(userId)
+                .orElseThrow(() -> new CustomException(AuthErrorCode.USER_NOT_FOUND));
+    }
+}
\ No newline at end of file
diff --git a/src/main/java/withbeetravel/service/auth/CustomUserDetailsService.java b/src/main/java/withbeetravel/service/auth/CustomUserDetailsService.java
new file mode 100644
index 00000000..38a890e6
--- /dev/null
+++ b/src/main/java/withbeetravel/service/auth/CustomUserDetailsService.java
@@ -0,0 +1,31 @@
+package withbeetravel.service.auth;
+
+import lombok.RequiredArgsConstructor;
+import org.springframework.security.core.userdetails.UserDetails;
+import org.springframework.security.core.userdetails.UserDetailsService;
+import org.springframework.security.core.userdetails.UsernameNotFoundException;
+import org.springframework.stereotype.Service;
+import withbeetravel.domain.User;
+import withbeetravel.dto.request.auth.CustomUserInfo;
+import withbeetravel.exception.CustomException;
+import withbeetravel.exception.error.AuthErrorCode;
+import withbeetravel.repository.UserRepository;
+import withbeetravel.security.CustomUserDetails;
+
+// 사용자 인증 정보 로드하여 UserDetails 객체로 변환
+@Service
+@RequiredArgsConstructor
+public class CustomUserDetailsService implements UserDetailsService {
+
+    private final UserRepository userRepository;
+
+    @Override
+    public UserDetails loadUserByUsername(String userId) throws UsernameNotFoundException {
+        Long id = Long.valueOf(userId);
+        User user = userRepository.findById(id).orElseThrow(() -> new CustomException(AuthErrorCode.AUTHENTICATION_FAILED));
+
+        CustomUserInfo customUserInfo = CustomUserInfo.from(user);
+
+        return new CustomUserDetails(customUserInfo);
+    }
+}
diff --git a/src/main/java/withbeetravel/service/banking/AccountService.java b/src/main/java/withbeetravel/service/banking/AccountService.java
new file mode 100644
index 00000000..46237102
--- /dev/null
+++ b/src/main/java/withbeetravel/service/banking/AccountService.java
@@ -0,0 +1,35 @@
+package withbeetravel.service.banking;
+
+import withbeetravel.dto.request.account.CreateAccountRequest;
+import withbeetravel.dto.response.account.AccountConnectedWibeeResponse;
+import withbeetravel.dto.response.account.AccountOwnerNameResponse;
+import withbeetravel.dto.request.account.AccountRequest;
+import withbeetravel.dto.response.account.AccountResponse;
+import withbeetravel.dto.response.SuccessResponse;
+
+import java.util.List;
+
+public interface AccountService {
+
+    List<AccountResponse> showAll(Long userId);
+
+    AccountResponse createAccount(Long userId, CreateAccountRequest CreateAccountRequest);
+
+    String generateUniqueAccountNumber();
+
+    String generateAccountNumber();
+
+    boolean isAccountNumberExists(String accountNumber);
+
+    void transfer(Long accountId, String accountNumber, int amount, String rqspeNm);
+
+    void deposit(Long accountId, int amount, String rqspeNm);
+
+    AccountResponse accountInfo(Long accountId);
+
+    void verifyAccount(String accountNumber);
+
+    AccountOwnerNameResponse findUserNameByAccountNumber(String accountNumber);
+
+    AccountConnectedWibeeResponse connectedWibee(Long accountId);
+}
diff --git a/src/main/java/withbeetravel/service/banking/AccountServiceImpl.java b/src/main/java/withbeetravel/service/banking/AccountServiceImpl.java
new file mode 100644
index 00000000..8b8db7df
--- /dev/null
+++ b/src/main/java/withbeetravel/service/banking/AccountServiceImpl.java
@@ -0,0 +1,225 @@
+package withbeetravel.service.banking;
+
+import lombok.RequiredArgsConstructor;
+import org.springframework.http.HttpStatus;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+import org.springframework.web.servlet.mvc.method.annotation.SseEmitter;
+import withbeetravel.domain.Account;
+import withbeetravel.domain.History;
+import withbeetravel.domain.Product;
+import withbeetravel.domain.User;
+import withbeetravel.dto.request.account.AccountNumberRequest;
+import withbeetravel.dto.request.account.CreateAccountRequest;
+import withbeetravel.dto.response.account.AccountConnectedWibeeResponse;
+import withbeetravel.dto.response.account.AccountOwnerNameResponse;
+import withbeetravel.dto.request.account.AccountRequest;
+import withbeetravel.dto.response.account.AccountOwnerNameResponse;
+import withbeetravel.dto.response.account.AccountResponse;
+import withbeetravel.dto.response.SuccessResponse;
+import withbeetravel.exception.CustomException;
+import withbeetravel.exception.error.BankingErrorCode;
+import withbeetravel.repository.AccountRepository;
+import withbeetravel.repository.HistoryRepository;
+import withbeetravel.repository.UserRepository;
+import withbeetravel.repository.notification.EmitterRepository;
+
+import java.io.IOException;
+import java.time.LocalDateTime;
+import java.util.*;
+import java.util.stream.Collectors;
+
+@Service
+@RequiredArgsConstructor
+public class AccountServiceImpl implements AccountService {
+
+    private final AccountRepository accountRepository;
+    private final UserRepository userRepository;
+    private final HistoryRepository historyRepository;
+    private final EmitterRepository emitterRepository;
+
+    // 계좌 조회
+    public List<AccountResponse> showAll(Long userId) {
+        List<Account> accounts = accountRepository.findByUserId(userId);
+        List<AccountResponse> accountResponses = accounts.stream().map(AccountResponse::from).collect(Collectors.toList());
+        return accountResponses;
+    }
+    
+    // TODO: 회원 계좌만 조회 해야함
+
+    //계좌 생성
+    @Transactional
+    public AccountResponse createAccount(Long userId, CreateAccountRequest createAccountRequest){
+        User thisUser = userRepository.findById(userId).orElseThrow();
+
+        Product product = createAccountRequest.getProduct();
+
+        String accountNumber = generateUniqueAccountNumber();
+
+        Account account = Account.builder().user(thisUser)
+                .accountNumber(accountNumber)
+                .balance(0)
+                .product(product)
+                .isConnectedWibeeCard(false)
+                .build();
+
+        accountRepository.save(account);
+
+        AccountResponse accountResponse = AccountResponse.from(account);
+
+        return accountResponse;
+    }
+
+    // 유니크 계좌번호 확인
+    public String generateUniqueAccountNumber() {
+        String accountNumber;
+
+        // 계좌번호가 중복되지 않도록 계속 생성
+        do {
+            accountNumber = generateAccountNumber();
+        } while (isAccountNumberExists(accountNumber));
+
+        return accountNumber;
+    }
+
+    // 계좌번호 랜덤 생성
+    public String generateAccountNumber() {
+        Random random = new Random();
+        StringBuilder accountNumber = new StringBuilder("1"); // 첫 번째 자리는 항상 1
+
+        // 나머지 부분 랜덤으로 생성 (12자리)
+        for (int i = 0; i < 12; i++) {
+            accountNumber.append(random.nextInt(10)); // 0-9 숫자 생성
+        }
+
+        return accountNumber.toString();
+    }
+
+    // 계좌번호 존재 유무 확인
+    public boolean isAccountNumberExists(String accountNumber) {
+        Optional<Account> existingAccount = accountRepository.findByAccountNumber(accountNumber);
+        return existingAccount.isPresent(); // 존재하면 true 반환
+    }
+
+    // 송금하기
+    @Transactional
+    public void transfer(Long accountId, String accountNumber, int amount, String rqspeNm) {
+
+        Account account = accountRepository.findById(accountId)
+                .orElseThrow(()-> new CustomException(BankingErrorCode.ACCOUNT_NOT_FOUND));
+
+        Account targetAccount = accountRepository.findByAccountNumber(accountNumber)
+                .orElseThrow(()-> new CustomException(BankingErrorCode.ACCOUNT_NOT_FOUND));
+
+        if(amount > account.getBalance()){
+            throw new CustomException(BankingErrorCode.INSUFFICIENT_FUNDS);
+        }
+
+        // 출금 처리
+
+        // 계좌 내역 객체 생성
+        History newHistory = History.builder().account(account).payAM(amount).rqspeNm(rqspeNm)
+                .date(LocalDateTime.now()).balance(account.getBalance()-amount).isWibeeCard(false).build();
+        // 후 저장 처리
+        historyRepository.save(newHistory);
+        // 한 다음 계좌 금액 조절
+        account.transfer(-amount);
+
+
+        // 타겟 계좌 입금 처리
+
+        // 타겟 계좌 내역 객체 생성, 저장
+        // 관리자 계좌에서 사용자에게 송금할 경우, 송금 메시지를 "위비트래블 정산금 입금"으로 지정
+        History targetHistory;
+        if (account.getId() == 1L) {
+            targetHistory = createTargetHistory(amount, targetAccount, account, "위비트래블 정산금 입금");
+        } else {
+            targetHistory = createTargetHistory(amount, targetAccount, account, account.getUser().getName());
+        }
+
+        historyRepository.save(targetHistory);
+
+        // 상대 계좌 입금 처리
+        targetAccount.transfer(amount);
+
+        if(account.getId()!=1){
+            sendNotification(account, amount, targetAccount);}
+    }
+
+    private void sendNotification(Account senderAccount, int amount, Account targetAccount) {
+        Long userId = targetAccount.getId();
+        String senderName = senderAccount.getUser().getName();
+        String eventId = userId + "_" + System.currentTimeMillis();
+        Map<String, SseEmitter> emitters = emitterRepository.findAllEmitterStartWithByUserId(userId.toString());
+
+        emitters.forEach((key, sseEmitter) -> {
+            Map<String, String> eventData = new HashMap<>();
+            eventData.put("title", "돈 받았어요~😊");
+            eventData.put("message", senderName + "님이 " + amount + "을 보냈어요!");
+            eventData.put("link", "banking/"+targetAccount.getId()); // 거래 내역 페이지로 링크
+
+            emitterRepository.saveEventCache(key, eventData);
+            try {
+                sseEmitter.send(SseEmitter.event().id(eventId).name("message").data(eventData));
+            } catch (IOException e) {
+                emitterRepository.deleteById(key);
+            }
+        });
+    }
+
+    private History createTargetHistory(int amount, Account targetAccount, Account account, String rqspeNm) {
+        return History.builder().account(targetAccount).rcvAm(amount).rqspeNm(rqspeNm)
+                .date(LocalDateTime.now()).balance(targetAccount.getBalance() + amount).isWibeeCard(false).build();
+    }
+
+    @Transactional
+    public void deposit(Long accountId, int amount, String rqspeNm) {
+        Account account = accountRepository.findById(accountId)
+                .orElseThrow(()-> new CustomException(BankingErrorCode.ACCOUNT_NOT_FOUND));
+
+        History history = History.builder().account(account).balance(account.getBalance()+amount).rcvAm(amount)
+                        .date(LocalDateTime.now()).rqspeNm(rqspeNm).isWibeeCard(false).build();
+
+        historyRepository.save(history);
+
+        account.transfer(amount);
+
+    }
+
+    // accountId로 계좌 조회하기
+    public AccountResponse accountInfo(Long accountId) {
+        Account account = accountRepository.findById(accountId)
+                .orElseThrow(()->new CustomException(BankingErrorCode.ACCOUNT_NOT_FOUND));
+
+        return AccountResponse.from(account);
+
+    }
+
+    public void verifyAccount(String accountNumber) {
+        Optional<Account> account = accountRepository.findByAccountNumber(accountNumber);
+        if(account.isEmpty()){
+            throw new CustomException(BankingErrorCode.ACCOUNT_NOT_FOUND);
+
+        }
+
+    }
+
+    public AccountOwnerNameResponse findUserNameByAccountNumber(String accountNumber) {
+        Account account = accountRepository.findByAccountNumber(accountNumber)
+                .orElseThrow(()-> new CustomException(BankingErrorCode.ACCOUNT_NOT_FOUND));
+        String name = account.getUser().getName();
+        AccountOwnerNameResponse accountOwnerNameResponse = new AccountOwnerNameResponse(name);
+
+        return accountOwnerNameResponse;
+    }
+
+    public AccountConnectedWibeeResponse connectedWibee(Long accountId){
+        Account account = accountRepository.findById(accountId)
+                .orElseThrow(() -> new CustomException(BankingErrorCode.ACCOUNT_NOT_FOUND));
+        AccountConnectedWibeeResponse accountConnectedWibeeResponse
+                = new AccountConnectedWibeeResponse(account.isConnectedWibeeCard());
+
+        return accountConnectedWibeeResponse;
+    }
+}
+
diff --git a/src/main/java/withbeetravel/service/banking/HistoryService.java b/src/main/java/withbeetravel/service/banking/HistoryService.java
new file mode 100644
index 00000000..7289f4fa
--- /dev/null
+++ b/src/main/java/withbeetravel/service/banking/HistoryService.java
@@ -0,0 +1,16 @@
+package withbeetravel.service.banking;
+
+import withbeetravel.dto.request.account.HistoryRequest;
+import withbeetravel.dto.response.account.HistoryResponse;
+import withbeetravel.dto.response.SuccessResponse;
+import withbeetravel.dto.response.account.WibeeCardHistoryListResponse;
+
+import java.util.List;
+
+public interface HistoryService {
+    List<HistoryResponse> showAll(Long AccountId);
+
+    void addHistory(Long userId, Long accountId, HistoryRequest historyRequest);
+
+    WibeeCardHistoryListResponse getWibeeCardHistory(Long userId, String startDate, String endDate);
+}
diff --git a/src/main/java/withbeetravel/service/banking/HistoryServiceImpl.java b/src/main/java/withbeetravel/service/banking/HistoryServiceImpl.java
new file mode 100644
index 00000000..115017e0
--- /dev/null
+++ b/src/main/java/withbeetravel/service/banking/HistoryServiceImpl.java
@@ -0,0 +1,202 @@
+package withbeetravel.service.banking;
+
+import lombok.RequiredArgsConstructor;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+import org.springframework.web.servlet.mvc.method.annotation.SseEmitter;
+import withbeetravel.domain.*;
+import withbeetravel.dto.request.account.HistoryRequest;
+import withbeetravel.dto.response.account.HistoryResponse;
+import withbeetravel.dto.response.account.WibeeCardHistoryListResponse;
+import withbeetravel.dto.response.account.WibeeCardHistoryResponse;
+import withbeetravel.exception.CustomException;
+import withbeetravel.exception.error.AuthErrorCode;
+import withbeetravel.exception.error.BankingErrorCode;
+import withbeetravel.exception.error.ValidationErrorCode;
+import withbeetravel.repository.*;
+import withbeetravel.repository.notification.EmitterRepository;
+import withbeetravel.service.payment.SharedPaymentRegisterService;
+
+import java.io.IOException;
+import java.time.LocalDate;
+import java.time.LocalDateTime;
+import java.util.HashMap;
+import java.util.List;
+import java.util.Map;
+
+@Service
+@RequiredArgsConstructor
+public class HistoryServiceImpl implements HistoryService {
+    
+    private final UserRepository userRepository;
+    private final HistoryRepository historyRepository;
+    private final AccountRepository accountRepository;
+    private final TravelMemberRepository travelMemberRepository;
+    private final SharedPaymentRegisterService sharedPaymentRegisterService;
+    private final EmitterRepository emitterRepository;
+
+
+    public List<HistoryResponse> showAll(Long accountId) {
+        List<History> histories = historyRepository.findByAccountIdOrderByDateDesc(accountId);
+        List<HistoryResponse> historyResponses = histories.stream().map(HistoryResponse::from).toList();
+        return historyResponses;
+    }
+
+    // 거래 내역 추가하기
+    @Override
+    @Transactional
+    public void addHistory(
+            Long userId,
+            Long accountId,
+            HistoryRequest historyRequest
+    ){
+
+        Account account = accountRepository.findById(accountId)
+                .orElseThrow(()-> new CustomException(BankingErrorCode.ACCOUNT_NOT_FOUND));
+
+        if(!account.isConnectedWibeeCard()){
+            if(historyRequest.isWibeeCard()){ //위비 카드 연결되어있지 않았을 때, 위비 카드로결제했다하면 오류
+                throw new CustomException(BankingErrorCode.WIBEE_CARD_NOT_ISSUED);
+            }
+        }
+
+        if(account.getBalance()< historyRequest.getPayAm()){
+            throw new CustomException(BankingErrorCode.INSUFFICIENT_FUNDS);
+        }
+
+        History history = History.builder().
+                account(account)
+                .date(LocalDateTime.now())
+                .payAM(historyRequest.getPayAm())
+                .rqspeNm(historyRequest.getRqspeNm())
+                .isWibeeCard(historyRequest.isWibeeCard())
+                .balance(account.getBalance()- historyRequest.getPayAm())
+                .build();
+
+        historyRepository.save(history);
+
+        account.transfer(-historyRequest.getPayAm());
+
+        if(account.isConnectedWibeeCard() && historyRequest.isWibeeCard()) {
+            // 위비 카드 결제 내역 & 여행 기간 중 발생한 결제 내역이면 공동 결제 내역에 자동으로 추가
+            List<Travel> invitedTravelList = getInvitedTravelList(userId); // 참여 중인 여행 리스트
+
+            Travel currentTravel = getCurrentTravels(invitedTravelList); // 현재 진행 중인 여행
+
+            if (currentTravel != null) { // 현재 진행 중인 여행이 있다면, 해당 여행의 공동 결제 내역에 현재 결제 내역 추가
+
+                sharedPaymentRegisterService.saveWibeeCardSharedPayment(
+                        getTravelMember(userId, currentTravel.getId()),
+                        currentTravel,
+                        history
+                );
+                history.addedSharedPayment();
+            }
+        }
+        sendNotification(account,history);
+    }
+
+    private void sendNotification(Account account,History history) {
+        Long userId = account.getUser().getId();
+        String eventId = userId + "_" + System.currentTimeMillis();
+        Map<String, SseEmitter> emitters = emitterRepository.findAllEmitterStartWithByUserId(userId.toString());
+        String name = account.getUser().getName();
+        String payDetail = history.getRqspeNm();
+        int payAmount = history.getPayAM();
+
+        emitters.forEach((key, sseEmitter) -> {
+            Map<String, String> eventData = new HashMap<>();
+            eventData.put("title", "결제 알림✔");
+            eventData.put("message", name+"님 "+ payDetail+"에서 "
+                    + payAmount+"원이 결제되었어요!💲");
+            eventData.put("link", "banking/"+account.getId()); // 거래 내역 페이지로 링크
+
+            emitterRepository.saveEventCache(key, eventData);
+            try {
+                sseEmitter.send(SseEmitter.event().id(eventId).name("message").data(eventData));
+            } catch (IOException e) {
+                emitterRepository.deleteById(key);
+            }
+        });
+    }
+
+    @Override
+    @Transactional(readOnly = true)
+    public WibeeCardHistoryListResponse getWibeeCardHistory(Long userId, String startDate, String endDate) {
+
+        // User 엔티티 가져오기
+        User user = getUser(userId);
+
+        // 위비 카드를 발급받지 않은 회원인 경우 예외 처리
+        Account account = user.getWibeeCardAccount();
+        if(account == null)
+            throw new CustomException(BankingErrorCode.WIBEE_CARD_NOT_ISSUED);
+
+        // 날짜 필터링은 기본적으로 현재 시점으로부터 1달
+        LocalDate eDate = LocalDate.now();
+        LocalDate sDate = eDate.minusMonths(1);
+
+        // 날짜 필터링 정보가 들어왔을 경우, 범위 체크 후 적용
+        if((startDate != null && !startDate.isEmpty()) && (endDate != null && !endDate.isEmpty())) {
+            validateDateRange(LocalDate.parse(startDate), LocalDate.parse(endDate));
+            sDate = LocalDate.parse(startDate);
+            eDate = LocalDate.parse(endDate);
+        }
+
+        // 결제 내역 가져오기
+        List<History> histories = historyRepository.findByAccountIdAndDateBetween(account.getId(), sDate.atStartOfDay(), eDate.atStartOfDay().plusDays(1));
+
+        // 위비 카드 결제 내역만 가져오기(날짜 오름차순 정렬)
+        List<History> filteredHistories = histories.stream()
+                .filter(History::isWibeeCard)
+                .sorted((h1, h2) -> h1.getDate().compareTo(h2.getDate()))
+                .toList();
+
+        return WibeeCardHistoryListResponse.builder()
+                .startDate(sDate.toString())
+                .endDate(eDate.toString())
+                .histories(filteredHistories.stream()
+                        .map(WibeeCardHistoryResponse::from)
+                        .toList())
+                .build();
+    }
+
+
+    User getUser(Long userId) {
+        return userRepository.findById(userId)
+                .orElseThrow(() -> new CustomException(AuthErrorCode.USER_NOT_FOUND));
+    }
+
+    TravelMember getTravelMember(Long userId, Long travelId) {
+        return travelMemberRepository.findByTravelIdAndUserId(travelId, userId).get();
+    }
+
+    // userId에 해당하는 회원이 참여 중인 여행 리스트 반환
+    List<Travel> getInvitedTravelList(Long userId) {
+        List<TravelMember> travelMembers = travelMemberRepository.findAllByUserId(userId);
+
+        // TravelMember에서 Travel만 추출하여 리스트로 변환
+        return travelMembers.stream()
+                .map(TravelMember::getTravel) // TravelMember의 Travel 필드 추출
+                .toList(); // List로 변환
+    }
+
+    // 현재 진행 중인 여행 반환
+    public Travel getCurrentTravels(List<Travel> travels) {
+        LocalDate today = LocalDate.now();
+
+        for (Travel travel : travels) {
+            if (!today.isBefore(travel.getTravelStartDate()) && !today.isAfter(travel.getTravelEndDate())) {
+                return travel;  // 조건에 맞는 첫 번째 여행을 반환
+            }
+        }
+
+        return null;
+    }
+
+    void validateDateRange(LocalDate sDate, LocalDate eDate) {
+        if (sDate.isAfter(eDate)) {
+            throw new CustomException(ValidationErrorCode.DATE_RANGE_ERROR);
+        }
+    }
+}
diff --git a/src/main/java/withbeetravel/service/banking/VerifyService.java b/src/main/java/withbeetravel/service/banking/VerifyService.java
new file mode 100644
index 00000000..6c460eea
--- /dev/null
+++ b/src/main/java/withbeetravel/service/banking/VerifyService.java
@@ -0,0 +1,9 @@
+package withbeetravel.service.banking;
+
+import withbeetravel.dto.response.account.PinNumberResponse;
+
+public interface VerifyService {
+    public void verifyPin(String pin);
+
+    public PinNumberResponse verifyUser();
+}
diff --git a/src/main/java/withbeetravel/service/banking/VerifyServiceImpl.java b/src/main/java/withbeetravel/service/banking/VerifyServiceImpl.java
new file mode 100644
index 00000000..91d23136
--- /dev/null
+++ b/src/main/java/withbeetravel/service/banking/VerifyServiceImpl.java
@@ -0,0 +1,57 @@
+package withbeetravel.service.banking;
+
+import lombok.RequiredArgsConstructor;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+import withbeetravel.domain.User;
+import withbeetravel.dto.response.account.PinNumberResponse;
+import withbeetravel.exception.CustomException;
+import withbeetravel.exception.error.AuthErrorCode;
+import withbeetravel.exception.error.BankingErrorCode;
+import withbeetravel.repository.UserRepository;
+import withbeetravel.security.UserAuthorizationUtil;
+
+@Service
+@RequiredArgsConstructor
+public class VerifyServiceImpl implements VerifyService{
+
+    private final UserRepository userRepository;
+
+
+    public void verifyPin(String pin){
+        Long userId = UserAuthorizationUtil.getLoginUserId();
+        User user = userRepository.findById(userId)
+                .orElseThrow(()-> new CustomException(AuthErrorCode.AUTHENTICATION_FAILED));
+
+        if (user.isPinLocked()) {
+            throw new CustomException(BankingErrorCode.ACCOUNT_LOCKED);
+        }
+
+        if (!user.validatePin(pin)) {
+            user.incrementFailedPinCount();
+            saveUser(user); // 저장 후 예외 던지기
+            throw new CustomException(BankingErrorCode.INVALID_PIN_NUMBER);
+        }
+
+        user.resetFailedPinCount();
+        userRepository.save(user);
+    }
+
+    // 예외가 발생하더라도 저장되야함 유저 실패 횟수를 늘리고 저장
+    @Transactional
+    private void saveUser(User user) {
+        userRepository.save(user);
+    }
+
+    public PinNumberResponse verifyUser(){
+        Long userId = UserAuthorizationUtil.getLoginUserId();
+        User user = userRepository.findById(userId)
+                .orElseThrow(()-> new CustomException(AuthErrorCode.AUTHENTICATION_FAILED));
+
+        if(user.isPinLocked()){
+            throw new CustomException(BankingErrorCode.ACCOUNT_LOCKED);
+        }
+        return new PinNumberResponse(user.getFailedPinCount(), user.isPinLocked());
+    }
+
+}
diff --git a/src/main/java/withbeetravel/service/global/S3Uploader.java b/src/main/java/withbeetravel/service/global/S3Uploader.java
new file mode 100644
index 00000000..9a80c440
--- /dev/null
+++ b/src/main/java/withbeetravel/service/global/S3Uploader.java
@@ -0,0 +1,82 @@
+package withbeetravel.service.global;
+
+import com.amazonaws.services.s3.AmazonS3;
+import com.amazonaws.services.s3.model.CannedAccessControlList;
+import com.amazonaws.services.s3.model.ObjectMetadata;
+import com.amazonaws.services.s3.model.PutObjectRequest;
+import org.springframework.beans.factory.annotation.Value;
+import org.springframework.stereotype.Service;
+import org.springframework.web.multipart.MultipartFile;
+
+import java.io.IOException;
+import java.io.InputStream;
+import java.util.UUID;
+
+@Service
+public class S3Uploader {
+
+    private final AmazonS3 amazonS3;
+    private final String bucket;
+
+    @Value("${cloud.aws.s3.bucket.domain}")
+    private String bucketDomain;
+
+    public S3Uploader(AmazonS3 amazonS3, @Value("${cloud.aws.s3.bucket}") String bucket) {
+        this.amazonS3 = amazonS3;
+        this.bucket = bucket;
+    }
+
+    // 이미지 저장
+    // file := s3에 저장할 이미지 파일
+    // dirName := 이미지 파일을 저장할 s3 디렉토리
+    public String upload(MultipartFile file, String dirName) throws IOException {
+
+        // 파일의 원래 이름에서 공백을 제거
+        String originalFileName = file.getOriginalFilename().replaceAll("\\s", "_");
+
+        // 유니크한 파일명을 만들기 위해 UUID를 파일명에 추가
+        String uuid = UUID.randomUUID().toString();
+        String uniqueFileName = uuid + "_" + originalFileName;
+
+        // 디렉토리 위치와 파일명 합치기
+        String fileName = dirName + "/" + uniqueFileName;
+
+        // S3에 이미지 업로드
+        String contentType = file.getContentType();
+        if(contentType == null) contentType = "application/octet-stream";
+        String uploadImageUrl = putS3(file.getInputStream(), fileName, file.getSize(), contentType);
+
+        // S3에 저장된 이미지의 URL 리턴
+        return uploadImageUrl;
+    }
+
+    // 이미지 삭제
+    // filName := 삭제할 이미지명(URL 형식)
+    public void delete(String fileName) {
+        if(fileName.startsWith(bucketDomain)) {
+            amazonS3.deleteObject(bucket, fileName.substring(bucketDomain.length()));
+        }
+    }
+
+    // 이미지 수정
+    // newFile := 새로 저장할 이미지 파일
+    // oldFileName := 기존에 저장되어 있던 이미지명(URL 형식)
+    // dirName := 이미지 파일을 저장할 s3 디렉토리
+    public String update(MultipartFile newFile, String oldFileName, String dirName) throws IOException {
+        // 기존 파일 삭제
+        delete(oldFileName);
+        // 새 파일 업로드
+        return upload(newFile, dirName);
+    }
+
+    // S3에 이미지 업로드
+    private String putS3(InputStream inputStream, String fileName, long contentLength, String contentType) {
+        ObjectMetadata metadata = new ObjectMetadata();
+        metadata.setContentLength(contentLength);
+        metadata.setContentType(contentType); // Content-Type 설정
+
+        amazonS3.putObject(new PutObjectRequest(bucket, fileName, inputStream, metadata)
+                .withCannedAcl(CannedAccessControlList.PublicRead));
+        return amazonS3.getUrl(bucket, fileName).toString();
+    }
+}
diff --git a/src/main/java/withbeetravel/service/loginLog/LoginLogService.java b/src/main/java/withbeetravel/service/loginLog/LoginLogService.java
new file mode 100644
index 00000000..8353f83c
--- /dev/null
+++ b/src/main/java/withbeetravel/service/loginLog/LoginLogService.java
@@ -0,0 +1,12 @@
+package withbeetravel.service.loginLog;
+
+import withbeetravel.domain.User;
+
+public interface LoginLogService {
+
+    void logRegister(User user, String email);
+
+    void logLoginSuccess(User user, String email);
+
+    void logLoginFailed(User user, String email);
+}
diff --git a/src/main/java/withbeetravel/service/loginLog/LoginLogServiceImpl.java b/src/main/java/withbeetravel/service/loginLog/LoginLogServiceImpl.java
new file mode 100644
index 00000000..da25393d
--- /dev/null
+++ b/src/main/java/withbeetravel/service/loginLog/LoginLogServiceImpl.java
@@ -0,0 +1,52 @@
+package withbeetravel.service.loginLog;
+
+import lombok.RequiredArgsConstructor;
+import org.springframework.scheduling.annotation.Async;
+import org.springframework.scheduling.annotation.EnableAsync;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+import withbeetravel.domain.LoginLog;
+import withbeetravel.domain.LoginLogType;
+import withbeetravel.domain.User;
+import withbeetravel.repository.LoginLogRepository;
+
+@Service
+@RequiredArgsConstructor
+@EnableAsync
+public class LoginLogServiceImpl implements LoginLogService {
+    private final LoginLogRepository loginLogRepository;
+
+    @Async
+    public void logRegister(User user, String email){
+        LoginLog registerLoginLog = LoginLog.builder()
+                .loginLogType(LoginLogType.REGISTER)
+                .user(user)
+                .description("회원 가입 완료")
+                .ipAddress(email)
+                .build();
+        loginLogRepository.save(registerLoginLog);
+    }
+
+    @Async
+    public void logLoginSuccess(User user, String email) {
+        LoginLog loginLog = LoginLog.builder()
+                .loginLogType(LoginLogType.LOGIN)
+                .user(user)
+                .description("로그인 성공")
+                .ipAddress(email)
+                .build();
+        loginLogRepository.save(loginLog);
+    }
+
+    @Async
+    @Transactional
+    public void logLoginFailed(User user, String email) {
+        LoginLog loginFailedLoginLog = LoginLog.builder()
+                .loginLogType(LoginLogType.LOGIN_FAILED)
+                .user(user)
+                .description("로그인 실패 - 잘못된 비밀번호")
+                .ipAddress(email) // 이메일을 IP로 사용하거나 실제 IP를 받아서 사용 가능
+                .build();
+        loginLogRepository.save(loginFailedLoginLog);
+    }
+}
diff --git a/src/main/java/withbeetravel/service/notification/NotificationService.java b/src/main/java/withbeetravel/service/notification/NotificationService.java
new file mode 100644
index 00000000..8d676626
--- /dev/null
+++ b/src/main/java/withbeetravel/service/notification/NotificationService.java
@@ -0,0 +1,8 @@
+package withbeetravel.service.notification;
+
+import org.springframework.web.servlet.mvc.method.annotation.SseEmitter;
+
+public interface NotificationService {
+
+    SseEmitter subscribe(Long userId, String lastEventId);
+}
diff --git a/src/main/java/withbeetravel/service/notification/NotificationServiceImpl.java b/src/main/java/withbeetravel/service/notification/NotificationServiceImpl.java
new file mode 100644
index 00000000..6090f43b
--- /dev/null
+++ b/src/main/java/withbeetravel/service/notification/NotificationServiceImpl.java
@@ -0,0 +1,75 @@
+package withbeetravel.service.notification;
+
+import lombok.RequiredArgsConstructor;
+import lombok.extern.slf4j.Slf4j;
+import org.jetbrains.annotations.NotNull;
+import org.springframework.stereotype.Service;
+import org.springframework.web.servlet.mvc.method.annotation.SseEmitter;
+import withbeetravel.repository.notification.EmitterRepository;
+
+import java.io.IOException;
+import java.util.Map;
+
+@Service
+@Slf4j
+@RequiredArgsConstructor
+public class NotificationServiceImpl implements NotificationService{
+
+    private static final Long DEFAULT_TIMEOUT = 60L * 1000 * 60; //1시간
+    private final EmitterRepository emitterRepository;
+
+    @Override
+    public SseEmitter subscribe(Long userId, String lastEventId) {
+
+        // SseEmitter를 식별하기 위한 고유 id 생성
+        String emitterId = makeTimeIncludeId(userId);
+
+        // 현재 클라이언트를 위한 sseEmitter 객체 생성
+        SseEmitter sseEmitter = new SseEmitter(DEFAULT_TIMEOUT);
+        // emitterId를 키로 사용해 sseEmitter를 저장
+        emitterRepository.save(emitterId, sseEmitter);
+
+        // sseEmitter 연결이 완료될 경우
+        sseEmitter.onCompletion(() -> emitterRepository.deleteById(emitterId));
+        // sseEmitter 연결에 타임아웃이 발생할 경우
+        sseEmitter.onTimeout(() -> emitterRepository.deleteById(emitterId));
+
+        // 503 에러 방지를 위한 더미 데이터 전송
+        String eventId = makeTimeIncludeId(userId);
+        sendNotification(sseEmitter, eventId, emitterId, "EventStream 생성 완료. [userId = " + userId + "]");
+
+        // 클라이언트가 미수신한 Event 목록이 존재할 경우 전송하여 Event 유실을 예방
+        if (hasLostData(lastEventId)) {
+            sendLostData(lastEventId, userId, emitterId, sseEmitter);
+        }
+
+        return sseEmitter;
+    }
+
+    private boolean hasLostData(String lastEventId) {
+        return !lastEventId.isEmpty();
+    }
+
+    private void sendLostData(String lastEventId, Long userId, String emitterId, SseEmitter sseEmitter) {
+        Map<String, Object> eventCaches = emitterRepository.findAllEventCacheStartWithByUserId(String.valueOf(userId));
+        eventCaches.entrySet().stream()
+                .filter(entry -> lastEventId.compareTo(entry.getKey()) < 0)
+                .forEach(entry -> sendNotification(sseEmitter, entry.getKey(), emitterId, entry.getValue()));
+    }
+
+    private void sendNotification(SseEmitter sseEmitter, String eventId, String emitterId, Object data) {
+        try {
+            sseEmitter.send(SseEmitter.event()
+                    .id(eventId)
+                    .name("connect")
+                    .data(data));
+        } catch (IOException e) {
+            emitterRepository.deleteById(emitterId);
+        }
+    }
+
+    @NotNull
+    private String makeTimeIncludeId(Long userId) {
+        return userId + "_" + System.currentTimeMillis();
+    }
+}
diff --git a/src/main/java/withbeetravel/service/notification/SettlementRequestLogService.java b/src/main/java/withbeetravel/service/notification/SettlementRequestLogService.java
new file mode 100644
index 00000000..d148094a
--- /dev/null
+++ b/src/main/java/withbeetravel/service/notification/SettlementRequestLogService.java
@@ -0,0 +1,15 @@
+package withbeetravel.service.notification;
+
+import withbeetravel.domain.SettlementRequest;
+import withbeetravel.dto.request.settlementRequestLog.SettlementRequestLogDto;
+
+import java.util.List;
+
+public interface SettlementRequestLogService {
+    List<SettlementRequestLogDto> getSettlementRequestLogs (Long userId);
+
+    void createSettlementLogsForEndedTravels();
+
+    void createSettlementReRequestLogForNotAgreed(SettlementRequest settlementRequest);
+
+}
diff --git a/src/main/java/withbeetravel/service/notification/SettlementRequestLogServiceImpl.java b/src/main/java/withbeetravel/service/notification/SettlementRequestLogServiceImpl.java
new file mode 100644
index 00000000..b964170a
--- /dev/null
+++ b/src/main/java/withbeetravel/service/notification/SettlementRequestLogServiceImpl.java
@@ -0,0 +1,123 @@
+package withbeetravel.service.notification;
+
+import lombok.RequiredArgsConstructor;
+import org.springframework.stereotype.Service;
+import org.springframework.web.servlet.mvc.method.annotation.SseEmitter;
+import withbeetravel.domain.*;
+import withbeetravel.dto.request.settlementRequestLog.SettlementRequestLogDto;
+import withbeetravel.repository.*;
+import withbeetravel.repository.notification.EmitterRepository;
+
+import java.io.IOException;
+import java.time.LocalDate;
+import java.util.ArrayList;
+import java.util.HashMap;
+import java.util.List;
+import java.util.Map;
+
+@Service
+@RequiredArgsConstructor
+public class SettlementRequestLogServiceImpl implements SettlementRequestLogService{
+
+    private final SettlementRequestLogRepository settlementRequestLogRepository;
+    private final SettlementRequestRepository settlementRequestRepository;
+    private final TravelRepository travelRepository;
+    private final TravelMemberRepository travelMemberRepository;
+    private final TravelMemberSettlementHistoryRepository travelMemberSettlementHistoryRepository;
+    private final EmitterRepository emitterRepository;
+
+
+    @Override
+    public List<SettlementRequestLogDto> getSettlementRequestLogs(Long userId) {
+
+        // 나의 모든 로그 리스트
+        List<SettlementRequestLog> settlementRequestLogs = getSettlementRequestLogsByUserId(userId);
+
+        // settlementRequestLogDto 리스트로 가공 (링크 추가)
+        List<SettlementRequestLogDto> settlementRequestLogDtos = new ArrayList<>();
+        for (SettlementRequestLog settlementRequestLog : settlementRequestLogs) {
+            String link = settlementRequestLog.getLink();
+            String title = settlementRequestLog.getLogTitle().getTitle();
+            if (title.equals(LogTitle.SETTLEMENT_REQUEST.getTitle()) || title.equals(LogTitle.SETTLEMENT_RE_REQUEST.getTitle())) {
+                if (!settlementRequestRepository.existsByTravelId(settlementRequestLog.getTravel().getId())) {
+                    link = null;
+                }
+            }
+
+            SettlementRequestLogDto settlementRequestLogDto = SettlementRequestLogDto.of(settlementRequestLog, link);
+            settlementRequestLogDtos.add(settlementRequestLogDto);
+        }
+
+        return settlementRequestLogDtos;
+    }
+
+    @Override
+    public void createSettlementLogsForEndedTravels() {
+        List<Travel> travels = travelRepository.findAllByTravelEndDate(LocalDate.now());
+        for (Travel travel : travels) {
+            List<TravelMember> travelMembers = travelMemberRepository.findAllByTravelId(travel.getId());
+            travelMembers.forEach(travelMember -> {
+                User user = travelMember.getUser();
+                createSettlementRequestLog(travel, user, LogTitle.PAYMENT_REQUEST);
+            });
+        }
+    }
+
+    @Override
+    public void createSettlementReRequestLogForNotAgreed(SettlementRequest settlementRequest) {
+        Travel travel = settlementRequest.getTravel();
+        travelMemberSettlementHistoryRepository.findAllBySettlementRequestId(settlementRequest.getId())
+                .stream()
+                .filter(travelMemberSettlementHistory -> !travelMemberSettlementHistory.isAgreed())
+                .forEach(travelMemberSettlementHistory -> {
+                    User user = travelMemberSettlementHistory.getTravelMember().getUser();
+                    createSettlementRequestLog(travel, user, LogTitle.SETTLEMENT_RE_REQUEST);
+                });
+    }
+
+    private void createSettlementRequestLog(Travel travel, User user, LogTitle logTitle) {
+        SettlementRequestLog settlementRequestLog = SettlementRequestLog.builder()
+                .travel(travel)
+                .user(user)
+                .logTitle(logTitle)
+                .logMessage(logTitle.getMessage(travel.getTravelName()))
+                .link(logTitle.getLinkPattern(travel.getId()))
+                .build();
+        settlementRequestLogRepository.save(settlementRequestLog);
+
+        // 실시간 알림 전송
+        sendNotification(settlementRequestLog);
+    }
+
+    private List<SettlementRequestLog> getSettlementRequestLogsByUserId(Long userId) {
+        return settlementRequestLogRepository.findAllByUserId(userId);
+    }
+
+    private void sendNotification(SettlementRequestLog settlementRequestLog) {
+        String userId = String.valueOf(settlementRequestLog.getUser().getId());
+
+        // 수신자에 연결된 모든 SseEmitter 객체를 가져옴
+        Map<String, SseEmitter> emitters =
+                emitterRepository.findAllEmitterStartWithByUserId(userId);
+
+        // eventId 생성
+        String eventId = userId + "_" + System.currentTimeMillis();
+
+        // emitter를 순환하며 각 SseEmitter 객체에 알림 전송
+        emitters.forEach(
+                (key, sseEmitter) -> {
+                    Map<String, String> eventData = new HashMap<>();
+                    eventData.put("title", settlementRequestLog.getLogTitle().getTitle()); // 로그 타이틀 (ex. 정산 요청)
+                    eventData.put("message", settlementRequestLog.getLogMessage()); // 로그 메시지
+                    eventData.put("link", settlementRequestLog.getLink()); // 이동 링크
+                    emitterRepository.saveEventCache(key, eventData);
+                    try {
+                        sseEmitter.send(SseEmitter.event().id(eventId).name("message").data(eventData));
+                    } catch (IOException e) {
+                        emitterRepository.deleteById(key);
+                    }
+                }
+        );
+    }
+}
+
diff --git a/src/main/java/withbeetravel/service/payment/SharedPaymentCategoryClassificationService.java b/src/main/java/withbeetravel/service/payment/SharedPaymentCategoryClassificationService.java
new file mode 100644
index 00000000..66d3e508
--- /dev/null
+++ b/src/main/java/withbeetravel/service/payment/SharedPaymentCategoryClassificationService.java
@@ -0,0 +1,8 @@
+package withbeetravel.service.payment;
+
+import withbeetravel.domain.Category;
+
+public interface SharedPaymentCategoryClassificationService {
+
+    public Category getCategory(String storeName);
+}
diff --git a/src/main/java/withbeetravel/service/payment/SharedPaymentCategoryClassificationServiceImpl.java b/src/main/java/withbeetravel/service/payment/SharedPaymentCategoryClassificationServiceImpl.java
new file mode 100644
index 00000000..26ce1ae4
--- /dev/null
+++ b/src/main/java/withbeetravel/service/payment/SharedPaymentCategoryClassificationServiceImpl.java
@@ -0,0 +1,101 @@
+package withbeetravel.service.payment;
+
+import com.fasterxml.jackson.databind.JsonNode;
+import com.fasterxml.jackson.databind.ObjectMapper;
+import lombok.Getter;
+import lombok.RequiredArgsConstructor;
+import okhttp3.*;
+import org.springframework.stereotype.Service;
+import withbeetravel.config.OpenAIConfig;
+import withbeetravel.domain.Category;
+import withbeetravel.exception.CustomException;
+import withbeetravel.exception.error.TravelErrorCode;
+
+import java.util.ArrayList;
+import java.util.List;
+import java.util.Map;
+
+@Service
+@RequiredArgsConstructor
+public class SharedPaymentCategoryClassificationServiceImpl implements SharedPaymentCategoryClassificationService {
+
+    // 생성형 AI 관련 필드
+    private final OpenAIConfig config;
+    private final ObjectMapper objectMapper;
+    private final OkHttpClient client = new OkHttpClient();
+
+    // 생성형 AI 메시지 클래스
+    @RequiredArgsConstructor
+    @Getter
+    private static class Message {
+        private final String role;
+        private final String content;
+    }
+
+    @Override
+    public Category getCategory(String storeName) {
+        try {
+            List<Message> messages = new ArrayList<>();
+            messages.add(new Message("system",
+                    "당신은 여행 카테고리를 분류하는 AI입니다. " +
+                            "상호명을 보고 다음 카테고리 중 하나로만 분류해주세요: " +
+                            "항공, 교통, 숙박, 식비, 관광, 액티비티, 쇼핑, 기타 " +
+                            "카테고리 이름만 정확히 답변해주세요. " +
+                            "- 호텔, 리조트, 에어비앤비 등은 '숙박' " +
+                            "- 식당, 카페, 바 등은 '식비' " +
+                            "- 버스, 택시, 지하철, 기차 등은 '교통' " +
+                            "- 항공사, 공항 등은 '항공' " +
+                            "- 박물관, 미술관, 랜드마크 등은 '관광' " +
+                            "- 테마파크, 스포츠, 체험 등은 '액티비티' " +
+                            "- 마트, 쇼핑몰, 아울렛 등은 '쇼핑' 으로 분류해주세요."
+            ));
+
+            messages.add(new Message("user", String.format("상호명: %s", storeName)));
+
+            String requestBody = objectMapper.writeValueAsString(Map.of(
+                    "model", config.getModel(),
+                    "messages", messages,
+                    "temperature", 0.3
+            ));
+
+            Request request = new Request.Builder()
+                    .url(config.getEndpoint())
+                    .post(RequestBody.create(
+                            requestBody,
+                            MediaType.parse("application/json")
+                    ))
+                    .addHeader("Authorization", "Bearer " + config.getApiKey())
+                    .build();
+
+            try (Response response = client.newCall(request).execute()) {
+                if (!response.isSuccessful()) {
+                    throw new CustomException(TravelErrorCode.TRAVEL_CATEGORY_NOT_FOUND);
+                }
+
+                JsonNode jsonResponse = objectMapper.readTree(response.body().string());
+                String categoryName = jsonResponse
+                        .path("choices")
+                        .get(0)
+                        .path("message")
+                        .path("content")
+                        .asText()
+                        .trim();
+
+                // 반환된 카테고리명을 Category enum으로 변환
+                return switch (categoryName) {
+                    case "항공" -> Category.FLIGHT;
+                    case "교통" -> Category.TRANSPORTATION;
+                    case "숙박" -> Category.ACCOMMODATION;
+                    case "식비" -> Category.FOOD;
+                    case "관광" -> Category.TOUR;
+                    case "액티비티" -> Category.ACTIVITY;
+                    case "쇼핑" -> Category.SHOPPING;
+                    default -> Category.ETC;
+                };
+            }
+        } catch (Exception e) {
+            // OpenAI API 호출 실패시 기타로 분류
+            return Category.ETC;
+        }
+    }
+}
diff --git a/src/main/java/withbeetravel/service/payment/SharedPaymentParticipantService.java b/src/main/java/withbeetravel/service/payment/SharedPaymentParticipantService.java
new file mode 100644
index 00000000..3657a246
--- /dev/null
+++ b/src/main/java/withbeetravel/service/payment/SharedPaymentParticipantService.java
@@ -0,0 +1,13 @@
+package withbeetravel.service.payment;
+
+import withbeetravel.dto.request.payment.SharedPaymentParticipateRequest;
+import withbeetravel.dto.response.SuccessResponse;
+
+public interface SharedPaymentParticipantService {
+
+    public void updateParticipantMembers(
+            Long travelId,
+            Long sharedPaymentId,
+            SharedPaymentParticipateRequest sharedPaymentParticipateRequest
+    );
+}
diff --git a/src/main/java/withbeetravel/service/payment/SharedPaymentParticipantServiceImpl.java b/src/main/java/withbeetravel/service/payment/SharedPaymentParticipantServiceImpl.java
new file mode 100644
index 00000000..4a857cff
--- /dev/null
+++ b/src/main/java/withbeetravel/service/payment/SharedPaymentParticipantServiceImpl.java
@@ -0,0 +1,145 @@
+package withbeetravel.service.payment;
+
+import lombok.RequiredArgsConstructor;
+import org.springframework.http.HttpStatus;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+import withbeetravel.domain.PaymentParticipatedMember;
+import withbeetravel.domain.SharedPayment;
+import withbeetravel.domain.TravelMember;
+import withbeetravel.dto.request.payment.SharedPaymentParticipateRequest;
+import withbeetravel.dto.response.SuccessResponse;
+import withbeetravel.exception.CustomException;
+import withbeetravel.exception.error.PaymentErrorCode;
+import withbeetravel.repository.PaymentParticipatedMemberRepository;
+import withbeetravel.repository.SharedPaymentRepository;
+import withbeetravel.repository.TravelMemberRepository;
+
+import java.util.Collections;
+import java.util.List;
+
+@Service
+@RequiredArgsConstructor
+public class SharedPaymentParticipantServiceImpl implements SharedPaymentParticipantService {
+    
+    private final TravelMemberRepository travelMemberRepository;
+    private final SharedPaymentRepository sharedPaymentRepository;
+    private final PaymentParticipatedMemberRepository paymentParticipatedMemberRepository;
+    
+    @Override
+    @Transactional
+    public void updateParticipantMembers(
+            Long travelId,
+            Long sharedPaymentId,
+            SharedPaymentParticipateRequest sharedPaymentParticipateRequest
+    ) {
+        // 여행 멤버 리스트 가져오기
+        List<TravelMember> allByTravelId =
+                travelMemberRepository.findAllByTravelId(travelId);
+
+        // 수정할 멤버 리스트
+        List<Long> newParticipateMembersId = sharedPaymentParticipateRequest.getTravelMembersId();
+
+        // 입력으로 들어온 멤버 리스트 중에 여행 멤버가 아닌 travelMemberId가 있나 검사
+        isAllMemberIdInTravelMemberId(allByTravelId, newParticipateMembersId);
+
+        // 공동 결제 내역 가져오기
+        SharedPayment sharedPayment = sharedPaymentRepository.findById(sharedPaymentId)
+                .orElseThrow(() -> new CustomException(PaymentErrorCode.SHARED_PAYMENT_NOT_FOUND));
+
+        // 기존 정산 인원 불러오기
+        List<PaymentParticipatedMember> allBySharedPaymentId =
+                paymentParticipatedMemberRepository.findAllBySharedPaymentId(sharedPaymentId);
+
+        // 지울 멤버 지우고, 추가할 멤버 추가
+        addOrRemoveParticipateMembers(sharedPayment, allByTravelId, newParticipateMembersId, allBySharedPaymentId);
+
+        // 정산 인원 수정
+        sharedPayment.updateParticipantCount(newParticipateMembersId.size());
+    }
+
+    void isAllMemberIdInTravelMemberId(List<TravelMember> allByTravelId, List<Long> newParticipateMembersId) {
+
+        for (int i = 0; i < newParticipateMembersId.size(); i++) {
+
+            boolean flag = false;
+
+            for (int j = 0; j < allByTravelId.size(); j++) {
+
+                if(newParticipateMembersId.get(i).equals(allByTravelId.get(j).getId())) {
+                    flag = true;
+                    break;
+                }
+            }
+
+            // 여행 멤버에 포함되지 않은 travelMemberId 발견
+            if(!flag) throw new CustomException(PaymentErrorCode.NON_TRAVEL_MEMBER_INCLUDED);
+        }
+
+    }
+
+    void addOrRemoveParticipateMembers(
+            SharedPayment sharedPayment,
+            List<TravelMember> allByTravelId,
+            List<Long> newParticipateMembersId,
+            List<PaymentParticipatedMember> allBySharedPaymentId
+    ) {
+        // 두 리스트 정렬
+        Collections.sort(newParticipateMembersId);
+        Collections.sort(allBySharedPaymentId,
+                (o1, o2) -> o1.getTravelMember().getId() < o2.getTravelMember().getId() ? 0 : 1);
+
+        // 투 포인터
+        int p1 = 0, p2 = 0;
+
+        while(p1 < newParticipateMembersId.size() && p2 < allBySharedPaymentId.size()) {
+
+            // 이미 존재하는 멤버인 경우
+            if(newParticipateMembersId.get(p1).equals(allBySharedPaymentId.get(p2).getTravelMember().getId())) {
+                p1++;
+                p2++;
+            }
+            // 새로 추가해야 하는 멤버를 찾은 경우
+            else if(newParticipateMembersId.get(p1) < allBySharedPaymentId.get(p2).getTravelMember().getId()) {
+                PaymentParticipatedMember newPaymentParticipatedMember =
+                        PaymentParticipatedMember.builder()
+                                .sharedPayment(sharedPayment)
+                                .travelMember(findTravelMemberByTravelMemberId(allByTravelId, newParticipateMembersId.get(p1)))
+                                .build();
+                paymentParticipatedMemberRepository.save(newPaymentParticipatedMember);
+                p1++;
+            }
+            // 삭제해야 하는 멤버를 찾은 경우
+            else {
+                paymentParticipatedMemberRepository.delete(allBySharedPaymentId.get(p2));
+                p2++;
+            }
+        }
+
+        while(p1 < newParticipateMembersId.size()) {
+            PaymentParticipatedMember newPaymentParticipatedMember =
+                    PaymentParticipatedMember.builder()
+                            .sharedPayment(sharedPayment)
+                            .travelMember(findTravelMemberByTravelMemberId(allByTravelId, newParticipateMembersId.get(p1)))
+                            .build();
+            paymentParticipatedMemberRepository.save(newPaymentParticipatedMember);
+            p1++;
+        }
+
+        while(p2 < allBySharedPaymentId.size()) {
+            paymentParticipatedMemberRepository.delete(allBySharedPaymentId.get(p2));
+            p2++;
+        }
+    }
+
+    // 전체 여행 멤버 중, travelMemberId에 해당하는 TravelMember 반환
+    TravelMember findTravelMemberByTravelMemberId(List<TravelMember> allByTravelId, Long travelMemberId) {
+
+        for (int i = 0; i < allByTravelId.size(); i++) {
+            if(allByTravelId.get(i).getId().equals(travelMemberId)) return allByTravelId.get(i);
+        }
+
+        // travelMemberId에 해당하는 여행 멤버가 없다면
+        throw new CustomException(PaymentErrorCode.NON_TRAVEL_MEMBER_INCLUDED);
+    }
+}
diff --git a/src/main/java/withbeetravel/service/payment/SharedPaymentRecordService.java b/src/main/java/withbeetravel/service/payment/SharedPaymentRecordService.java
new file mode 100644
index 00000000..aecf4d42
--- /dev/null
+++ b/src/main/java/withbeetravel/service/payment/SharedPaymentRecordService.java
@@ -0,0 +1,20 @@
+package withbeetravel.service.payment;
+
+import org.springframework.web.multipart.MultipartFile;
+import withbeetravel.dto.response.payment.SharedPaymentRecordResponse;
+import withbeetravel.dto.response.SuccessResponse;
+
+public interface SharedPaymentRecordService {
+
+    void addAndUpdatePaymentRecord(
+            Long travelId,
+            Long sharedPaymentId,
+            MultipartFile image,
+            String comment,
+            boolean isMainImage
+    );
+
+    SharedPaymentRecordResponse getSharedPaymentRecord(
+            Long sharedPaymentId
+    );
+}
diff --git a/src/main/java/withbeetravel/service/payment/SharedPaymentRecordServiceImpl.java b/src/main/java/withbeetravel/service/payment/SharedPaymentRecordServiceImpl.java
new file mode 100644
index 00000000..5ae41ca9
--- /dev/null
+++ b/src/main/java/withbeetravel/service/payment/SharedPaymentRecordServiceImpl.java
@@ -0,0 +1,116 @@
+package withbeetravel.service.payment;
+
+import lombok.RequiredArgsConstructor;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+import org.springframework.web.multipart.MultipartFile;
+import withbeetravel.domain.SharedPayment;
+import withbeetravel.domain.Travel;
+import withbeetravel.dto.response.payment.SharedPaymentRecordResponse;
+import withbeetravel.exception.CustomException;
+import withbeetravel.exception.error.PaymentErrorCode;
+import withbeetravel.exception.error.TravelErrorCode;
+import withbeetravel.exception.error.ValidationErrorCode;
+import withbeetravel.repository.SharedPaymentRepository;
+import withbeetravel.repository.TravelRepository;
+import withbeetravel.service.global.S3Uploader;
+
+import java.io.IOException;
+
+@Service
+@RequiredArgsConstructor
+public class SharedPaymentRecordServiceImpl implements SharedPaymentRecordService {
+
+    private final S3Uploader s3Uploader;
+
+    private final TravelRepository travelRepository;
+    private final SharedPaymentRepository sharedPaymentRepository;
+
+    // S3에 이미지를 저장할 경로
+    private static final String SHARED_PAYMENT_IMAGE_DIR = "travels/";
+
+    @Override
+    @Transactional
+    public void addAndUpdatePaymentRecord(
+            Long travelId,
+            Long sharedPaymentId,
+            MultipartFile image,
+            String comment,
+            boolean isMainImage) {
+
+        // SharedPayment Entity 가져오기
+        SharedPayment sharedPayment = sharedPaymentRepository.findById(sharedPaymentId)
+                .orElseThrow(() -> new CustomException(PaymentErrorCode.SHARED_PAYMENT_NOT_FOUND));
+
+        // 여행 정보 찾아오기
+        Travel travel = travelRepository.findById(travelId)
+                .orElseThrow(() -> new CustomException(TravelErrorCode.TRAVEL_NOT_FOUND));
+
+        // 이미지 추가, 수정, 삭제
+        if(image != null && image.getSize() != 0) {
+            String newImageUrl = uploadImage(travelId, sharedPayment, image);
+            sharedPayment.updatePaymentImage(newImageUrl);
+            // 메인 이미지로 설정했다면, 여행 메인 사진 바꿔주기
+            if(isMainImage) {
+                // 여행 이미지 수정
+                travel.updateMainImage(newImageUrl);
+            }
+        }
+        // 기존 이미지를 메인 이미지로 설정한 경우
+        else if(isMainImage && sharedPayment.getPaymentImage() != null) {
+            // 여행 이미지 수정
+            travel.updateMainImage(sharedPayment.getPaymentImage());
+        }
+
+        // comment 정보 엔티티에서 변경
+        sharedPayment.updatePaymentCommnet(comment);
+    }
+
+    @Override
+    @Transactional(readOnly = true)
+    public SharedPaymentRecordResponse getSharedPaymentRecord(Long sharedPaymentId) {
+
+        // SharedPayment 엔티티 가져오기
+        SharedPayment sharedPayment = sharedPaymentRepository.findById(sharedPaymentId)
+                .orElseThrow(() -> new CustomException(PaymentErrorCode.SHARED_PAYMENT_NOT_FOUND));
+
+        // paymentImage가 메인 이미지인지 여부
+        boolean isMainImage = sharedPayment.getPaymentImage() != null &&
+                sharedPayment.getPaymentImage().equals(sharedPayment.getTravel().getMainImage());
+
+        // Response Dto에 담기
+        SharedPaymentRecordResponse responseDto = SharedPaymentRecordResponse.from(sharedPayment, isMainImage);
+
+        return responseDto;
+    }
+
+    // 이미지 추가, 수정, 삭제
+    private String uploadImage(Long travelId, SharedPayment sharedPayment, MultipartFile image) {
+
+        // 원래 이미지
+        String paymentImage = sharedPayment.getPaymentImage();
+
+        // 새로 추가한 이미지
+        String newImage = null;
+
+        // image가 새로 들어왔다면 S3에 저장
+        if(!image.isEmpty()) {
+
+            // 이미지 저장할 S3 디렉토리 정보
+            String dirName = SHARED_PAYMENT_IMAGE_DIR + travelId;
+
+            try {
+                if(paymentImage != null) { // 해당 공동결제 내역에 이미 이미지가 있다면 업데이트
+                    newImage = s3Uploader.update(image, paymentImage, dirName);
+                } else { // 없다면 업로드
+                    newImage = s3Uploader.upload(image, dirName);
+                }
+            } catch (IOException e) { // 이미지 저장에 실패했을 경우
+                throw new CustomException(ValidationErrorCode.IMAGE_PROCESSING_FAILED);
+            }
+        }
+
+        // 새로운 이미지 정보 반환
+        return newImage;
+    }
+}
diff --git a/src/main/java/withbeetravel/service/payment/SharedPaymentRegisterService.java b/src/main/java/withbeetravel/service/payment/SharedPaymentRegisterService.java
new file mode 100644
index 00000000..17bc24cf
--- /dev/null
+++ b/src/main/java/withbeetravel/service/payment/SharedPaymentRegisterService.java
@@ -0,0 +1,57 @@
+package withbeetravel.service.payment;
+
+import org.springframework.web.multipart.MultipartFile;
+import withbeetravel.domain.History;
+import withbeetravel.domain.Travel;
+import withbeetravel.domain.TravelMember;
+import withbeetravel.dto.request.payment.SharedPaymentWibeeCardRegisterRequest;
+import withbeetravel.dto.response.SuccessResponse;
+import withbeetravel.dto.response.payment.CurrencyUnitResponse;
+
+public interface SharedPaymentRegisterService {
+
+    void addManualSharedPayment(
+            Long userId,
+            Long travelId,
+            String paymentDate,
+            String storeName,
+            int paymentAmount,
+            Double foreignPaymentAmount,
+            String currencyUnit,
+            Double exchangeRate,
+            MultipartFile paymentImage,
+            String paymentComment,
+            boolean isMainImage
+    );
+
+    void updateManualSharedPayment(
+            Long userId,
+            Long travelId,
+            Long sharedPaymentId,
+            String paymentDate,
+            String storeName,
+            int paymentAmount,
+            Double foreignPaymentAmount,
+            String currencyUnit,
+            Double exchangeRate,
+            MultipartFile paymentImage,
+            String paymentComment,
+            boolean isMainImage
+    );
+
+    void addWibeeCardSharedPayment(
+            Long userId,
+            Long travelId,
+            SharedPaymentWibeeCardRegisterRequest sharedPaymentWibeeCardRegisterRequest
+    );
+
+    CurrencyUnitResponse getCurrencyUnitOptions(
+            Long travelId
+    );
+
+    void saveWibeeCardSharedPayment(
+            TravelMember travelMember,
+            Travel travel,
+            History history
+    );
+}
diff --git a/src/main/java/withbeetravel/service/payment/SharedPaymentRegisterServiceImpl.java b/src/main/java/withbeetravel/service/payment/SharedPaymentRegisterServiceImpl.java
new file mode 100644
index 00000000..16117663
--- /dev/null
+++ b/src/main/java/withbeetravel/service/payment/SharedPaymentRegisterServiceImpl.java
@@ -0,0 +1,411 @@
+package withbeetravel.service.payment;
+
+import lombok.RequiredArgsConstructor;
+import org.springframework.security.core.parameters.P;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+import org.springframework.web.multipart.MultipartFile;
+import withbeetravel.domain.*;
+import withbeetravel.dto.request.payment.SharedPaymentWibeeCardRegisterRequest;
+import withbeetravel.dto.response.payment.CurrencyUnitResponse;
+import withbeetravel.exception.CustomException;
+import withbeetravel.exception.error.*;
+import withbeetravel.repository.*;
+import withbeetravel.service.global.S3Uploader;
+
+import java.io.IOException;
+import java.time.LocalDateTime;
+import java.time.format.DateTimeFormatter;
+import java.time.format.DateTimeParseException;
+import java.util.*;
+
+@Service
+@RequiredArgsConstructor
+public class SharedPaymentRegisterServiceImpl implements SharedPaymentRegisterService{
+
+    private final TravelRepository travelRepository;
+    private final TravelMemberRepository travelMemberRepository;
+    private final SharedPaymentRepository sharedPaymentRepository;
+    private final PaymentParticipatedMemberRepository paymentParticipatedMemberRepository;
+    private final UserRepository userRepository;
+    private final HistoryRepository historyRepository;
+    private final TravelCountryRepository travelCountryRepository;
+
+    private final SharedPaymentCategoryClassificationService sharedPaymentCategoryClassificationService;
+
+    private final S3Uploader s3Uploader;
+
+    // S3에 이미지를 저장할 경로
+    private static final String SHARED_PAYMENT_IMAGE_DIR = "travels/";
+
+    @Override
+    @Transactional
+    public void addManualSharedPayment(
+            Long userId,
+            Long travelId,
+            String paymentDate,
+            String storeName,
+            int paymentAmount,
+            Double foreignPaymentAmount,
+            String currencyUnit,
+            Double exchangeRate,
+            MultipartFile paymentImage,
+            String paymentComment,
+            boolean isMainImage
+    ) {
+
+        // travelId에 따른 여행 가져오기
+        Travel travel = getTravel(travelId);
+
+        // userId와 travelId에 따른 여행 멤버 가져오기
+        TravelMember travelMember = getTravelMember(userId, travelId);
+
+        // 외화 금액과 환율 정보가 하나라도 들어왔다면, 두 값이 모두 들어왔는지 확인
+        validatePaymentAmount(foreignPaymentAmount, exchangeRate);
+
+        // 이미지 값이 들어왔을 경우 S3에 업로드
+        String imageUrl = null;
+        if(paymentImage != null && paymentImage.getSize() != 0) {
+            try {
+                imageUrl = s3Uploader.upload(paymentImage, SHARED_PAYMENT_IMAGE_DIR + travelId);
+            } catch (IOException e) {
+                throw new CustomException(ValidationErrorCode.IMAGE_PROCESSING_FAILED);
+            }
+            // 메인 이미지로 설정했다면, 여행 메인 사진 바꿔주기
+            if(isMainImage) setTravelMainImage(travel, imageUrl);
+        }
+
+
+        // 여행 멤버 리스트 가져오기
+        List<TravelMember> members = getTravelMembers(travelId);
+
+        // 새로운 결제 내역 추가
+        SharedPayment sharedPayment = SharedPayment.builder()
+                .addedByMember(travelMember)
+                .travel(travel)
+                .currencyUnit(CurrencyUnit.from(currencyUnit))
+                .paymentAmount(paymentAmount)
+                .foreignPaymentAmount(foreignPaymentAmount)
+                .exchangeRate(exchangeRate)
+                .paymentComment(paymentComment)
+                .paymentImage(imageUrl)
+                .isManuallyAdded(true)
+                .participantCount(members.size())
+                .category(getCategory(storeName))
+                .storeName(storeName)
+                .paymentDate(dateTimeFormatter(paymentDate))
+                .build();
+        sharedPaymentRepository.save(sharedPayment);
+
+        // 공동 결제 내역 참여 멤버 수정
+        setParticipatedMembers(sharedPayment, members);
+    }
+
+    @Override
+    @Transactional
+    public void updateManualSharedPayment(
+            Long userId,
+            Long travelId,
+            Long sharedPaymentId,
+            String paymentDate,
+            String storeName,
+            int paymentAmount,
+            Double foreignPaymentAmount,
+            String currencyUnit,
+            Double exchangeRate,
+            MultipartFile paymentImage,
+            String paymentComment,
+            boolean isMainImage
+    ) {
+
+        // 공동 결제 내역 정보 가져오기
+        SharedPayment sharedPayment = getSharedPayment(sharedPaymentId);
+
+        // 여행 정보 가져오기
+        Travel travel = getTravel(travelId);
+
+        // 수정할 수 있는 공동 결제 내역인지 확인
+        validateUpdateSharedPayment(userId, travelId, sharedPayment);
+
+        // 외화 금액과 환율 정보가 하나라도 들어왔다면, 두 값이 모두 들어왔는지 확인
+        validatePaymentAmount(foreignPaymentAmount, exchangeRate);
+
+        // 이미지 값이 들어왔을 경우 S3에 업로드
+        String imageUrl;
+        try {
+            imageUrl = s3Uploader.update(paymentImage, sharedPayment.getPaymentImage(), SHARED_PAYMENT_IMAGE_DIR + travelId);
+        } catch (IOException e) {
+            throw new CustomException(ValidationErrorCode.IMAGE_PROCESSING_FAILED);
+        }
+
+        // 메인 이미지로 설정했다면, 여행 메인 사진 바꿔주기
+        if(isMainImage) setTravelMainImage(travel, imageUrl);
+
+        // 공동 내역 수정
+        sharedPayment.updateManuallyPayment(
+                CurrencyUnit.from(currencyUnit),
+                paymentAmount,
+                foreignPaymentAmount,
+                exchangeRate,
+                paymentComment,
+                imageUrl,
+                getCategory(storeName),
+                storeName,
+                dateTimeFormatter(paymentDate)
+        );
+    }
+
+    @Override
+    @Transactional
+    public void addWibeeCardSharedPayment(
+            Long userId,
+            Long travelId,
+            SharedPaymentWibeeCardRegisterRequest sharedPaymentWibeeCardRegisterRequest
+    ) {
+
+        // 회원 정보 가져오기
+        User user = getUser(userId);
+
+        // 위비 트래블 카드가 연동되어 있는 계좌
+        Account account = getConnectedWibeeCardAccount(user);
+
+        // 여행 정보 가져오기
+        Travel travel = getTravel(travelId);
+
+        // 여행 멤버 가져오기
+        TravelMember travelMember = getTravelMember(userId, travelId);
+
+        // 입력으로 들어온 거래 내역을 공동 결제 내역으로 저장
+        registerWibeeCardSharedPayment(
+                sharedPaymentWibeeCardRegisterRequest.getHistoryId(),
+                travel,
+                travelMember,
+                account
+        );
+    }
+
+    @Override
+    @Transactional(readOnly = true)
+    public CurrencyUnitResponse getCurrencyUnitOptions(Long travelId) {
+
+        Travel travel = getTravel(travelId);
+
+        // 방문 예정 나라의 통화 코드
+        Set<String> visitedCountryCurrencyUnit = new HashSet<>();
+
+        // 해외 여행이면 방문 나라의 통화 코드들 넣기
+        if(!travel.isDomesticTravel()) {
+            List<TravelCountry> travelCountries = getTravelCountries(travelId);
+            for(TravelCountry country: travelCountries) {
+                if(!country.getCountry().getCurrencyCode().equals("KRW"))
+                    visitedCountryCurrencyUnit.add(country.getCountry().getCurrencyCode());
+            }
+        }
+
+        // visitedCountryCurrencyUnit에 없는 통화 코드 리스트
+        List<String> doesntVisitedCountryCurrencyUnit = new ArrayList<>();
+        for(CurrencyUnit currencyUnit : CurrencyUnit.values()) {
+            if(!visitedCountryCurrencyUnit.contains(currencyUnit.name()) && !currencyUnit.name().equals("KRW"))
+                doesntVisitedCountryCurrencyUnit.add(currencyUnit.name());
+        }
+
+        // doesntVisitedCountryCurrencyUnit 사전순 정렬
+        Collections.sort(doesntVisitedCountryCurrencyUnit);
+
+        // visitedCountryCurrencyUnit를 currencyUnitOptions에 담아 사전 순 정렬
+        List<String> currencyUnitOptions = new ArrayList<>(visitedCountryCurrencyUnit);
+        Collections.sort(currencyUnitOptions);
+
+        // ret 뒤에 doesntVisitedCountryCurrencyUnit 추가
+        currencyUnitOptions.addAll(doesntVisitedCountryCurrencyUnit);
+
+        // 원화는 항상 맨 앞
+        currencyUnitOptions.add(0, "KRW");
+
+        return CurrencyUnitResponse.builder()
+                .currencyUnitOptions(currencyUnitOptions)
+                .build();
+    }
+
+    Travel getTravel(Long travelId) {
+        return travelRepository.findById(travelId)
+                .orElseThrow(() -> new CustomException(TravelErrorCode.TRAVEL_NOT_FOUND));
+    }
+
+    TravelMember getTravelMember(Long userId, Long travelId) {
+        return travelMemberRepository.findByTravelIdAndUserId(travelId, userId)
+                .orElseThrow(() -> new CustomException(TravelErrorCode.TRAVEL_ACCESS_FORBIDDEN));
+    }
+
+    List<TravelMember> getTravelMembers(Long travelId) {
+        return travelMemberRepository.findAllByTravelId(travelId);
+    }
+
+    SharedPayment getSharedPayment(Long sharedPaymentId) {
+        return sharedPaymentRepository.findById(sharedPaymentId)
+                .orElseThrow(() -> new CustomException(PaymentErrorCode.SHARED_PAYMENT_NOT_FOUND));
+    }
+
+    Category getCategory(String storeName) {
+        return sharedPaymentCategoryClassificationService.getCategory(storeName);
+    }
+
+    User getUser(Long userId) {
+        return userRepository.findById(userId)
+                .orElseThrow(() -> new CustomException(AuthErrorCode.AUTHENTICATION_FAILED));
+    }
+
+    Account getConnectedWibeeCardAccount(User user) {
+
+        // 위비 카드를 발급 받지 않은 회원인 경우
+        if(user.getWibeeCardAccount() == null)
+            throw new CustomException(BankingErrorCode.WIBEE_CARD_NOT_ISSUED);
+
+        return user.getWibeeCardAccount();
+    }
+
+    History getHistory(Long historyId) {
+        return historyRepository.findById(historyId)
+                .orElseThrow(() -> new CustomException(BankingErrorCode.HISTORY_NOT_FOUND));
+    }
+
+    List<TravelCountry> getTravelCountries(Long travelId) {
+        return travelCountryRepository.findByTravelId(travelId);
+    }
+
+    void validatePaymentAmount(Double foreignPaymentAmount, Double exchangeRate) {
+
+        // 둘 다 null 값이거나, null 값이 아니거나
+        if((foreignPaymentAmount == null && exchangeRate == null) ||
+                (foreignPaymentAmount != null && exchangeRate != null)) return;
+
+        throw new CustomException(ValidationErrorCode.MISSING_REQUIRED_FIELDS);
+    }
+
+    void validateUpdateSharedPayment(Long userId, Long travelId, SharedPayment sharedPayment) {
+
+        // 직접 추가 결제 내역이 아닌 경우, 수정 불가
+        if(!sharedPayment.isManuallyAdded())
+            throw new CustomException(PaymentErrorCode.NO_PERMISSION_TO_MODIFY_SHARED_PAYMENT);
+
+        // 로그인된 회원이 해당 결제 내역을 추가한 멤버가 아닌 경우, 수정 불가
+        TravelMember travelMember = getTravelMember(userId, travelId);
+        if(!sharedPayment.getAddedByMember().equals(travelMember))
+            throw new CustomException(PaymentErrorCode.NO_PERMISSION_TO_MODIFY_SHARED_PAYMENT);
+    }
+
+    void validateHistoryToAccount(History history, Account account) {
+
+        if(history.getAccount() != account)
+            throw new CustomException(BankingErrorCode.HISTORY_ACCESS_FORBIDDEN);
+    }
+
+    void validateisWibeeCardUsedHistory(History history) {
+
+        if(!history.isWibeeCard()) {
+            throw new CustomException(BankingErrorCode.HISTORY_ACCESS_FORBIDDEN);
+        }
+    }
+
+    void validateHistoryDate(Travel travel, History history) {
+
+        // 여행일 이전이나 이후에 발생한 결제 내역이면 검사 통과
+        if (travel.getTravelStartDate().isAfter(history.getDate().toLocalDate())
+                || travel.getTravelEndDate().isBefore(history.getDate().toLocalDate()))
+            return;
+
+        throw new CustomException(ValidationErrorCode.DATE_RANGE_ERROR);
+    }
+
+    void validateisAddedHistory(History history) {
+        if(history.isAddedSharedPayment())
+            throw new CustomException(BankingErrorCode.PAYMENT_ALREADY_EXISTS);
+    }
+
+    LocalDateTime dateTimeFormatter(String date) {
+
+        try {
+            DateTimeFormatter formatter = DateTimeFormatter.ofPattern("yyyy-MM-dd HH:mm");
+            return LocalDateTime.parse(date, formatter);
+        } catch (DateTimeParseException e) {
+            throw new CustomException(ValidationErrorCode.INVALID_DATE_FORMAT);
+        }
+
+    }
+
+    void setParticipatedMembers(SharedPayment sharedPayment, List<TravelMember> members) {
+        for (TravelMember member : members) {
+            paymentParticipatedMemberRepository.save(
+                    PaymentParticipatedMember.builder()
+                            .travelMember(member)
+                            .sharedPayment(sharedPayment)
+                            .build()
+            );
+        }
+    }
+
+    void setTravelMainImage(Travel travel, String imageUrl) {
+
+        // 이미지가 없는데 메인 이미지로 설정한 경우
+        if(imageUrl == null)
+            throw new CustomException(ValidationErrorCode.MISSING_REQUIRED_FIELDS);
+
+        travel.updateMainImage(imageUrl);
+    }
+
+    @Override
+    public void saveWibeeCardSharedPayment(
+            TravelMember travelMember,
+            Travel travel,
+            History history
+    ) {
+
+        SharedPayment sharedPayment = SharedPayment.builder()
+                .addedByMember(travelMember)
+                .travel(travel)
+                .currencyUnit(CurrencyUnit.KRW)
+                .paymentAmount(history.getPayAM())
+                .isManuallyAdded(false)
+                .participantCount(travel.getTravelMembers().size())
+                .category(getCategory(history.getRqspeNm()))
+                .storeName(history.getRqspeNm())
+                .paymentDate(history.getDate())
+                .build();
+
+
+        sharedPaymentRepository.save(sharedPayment);
+
+        // 공동 결제 내역 참여 인원 설정
+        setParticipatedMembers(sharedPayment, travel.getTravelMembers());
+    }
+
+    void registerWibeeCardSharedPayment(
+            List<Long> historyId,
+            Travel travel,
+            TravelMember travelMember,
+            Account account
+    ) {
+        for (Long id : historyId) {
+            // 거래 내역 가져오기
+            History history = getHistory(id);
+
+            // 위비 카드에 연결된 계좌의 거래 내역이 맞는지 확인
+            validateHistoryToAccount(history, account);
+
+            // 위비 카드 결제 내역이 맞는지 확인
+            validateisWibeeCardUsedHistory(history);
+
+            // 해당 거래 내역이 여행 기간 전이나 후에 발생한 거래내역이 맞는지
+            validateHistoryDate(travel, history);
+
+            // 이미 가져온 거래 내역인지 확인
+            validateisAddedHistory(history);
+
+            // 공동 결제 내역에 추가
+            saveWibeeCardSharedPayment(travelMember, travel, history);
+
+            // 추가 후 상태 변경
+            history.addedSharedPayment();
+        }
+    }
+}
diff --git a/src/main/java/withbeetravel/service/payment/SharedPaymentService.java b/src/main/java/withbeetravel/service/payment/SharedPaymentService.java
new file mode 100644
index 00000000..60440f45
--- /dev/null
+++ b/src/main/java/withbeetravel/service/payment/SharedPaymentService.java
@@ -0,0 +1,18 @@
+package withbeetravel.service.payment;
+
+import org.springframework.data.domain.Page;
+import withbeetravel.domain.SharedPayment;
+import withbeetravel.dto.request.payment.SharedPaymentSearchRequest;
+import withbeetravel.dto.response.payment.SharedPaymentParticipatingMemberResponse;
+import withbeetravel.dto.response.payment.SharedPaymentResponse;
+import withbeetravel.dto.response.SuccessResponse;
+
+import java.time.LocalDate;
+import java.util.List;
+import java.util.Map;
+
+public interface SharedPaymentService {
+    Page<SharedPayment> getSharedPayments(Long travelId, SharedPaymentSearchRequest condition);
+
+    Map<Long, List<SharedPaymentParticipatingMemberResponse>> getParticipatingMembersMap(Page<SharedPayment> payments);
+}
diff --git a/src/main/java/withbeetravel/service/payment/SharedPaymentServiceImpl.java b/src/main/java/withbeetravel/service/payment/SharedPaymentServiceImpl.java
new file mode 100644
index 00000000..9628e94f
--- /dev/null
+++ b/src/main/java/withbeetravel/service/payment/SharedPaymentServiceImpl.java
@@ -0,0 +1,71 @@
+package withbeetravel.service.payment;
+
+import lombok.RequiredArgsConstructor;
+import org.springframework.data.domain.Page;
+import org.springframework.data.domain.PageRequest;
+import org.springframework.data.domain.Sort;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+import withbeetravel.domain.Category;
+import withbeetravel.domain.SharedPayment;
+import withbeetravel.dto.request.payment.SharedPaymentSearchRequest;
+import withbeetravel.dto.response.payment.SharedPaymentParticipatingMemberResponse;
+import withbeetravel.exception.CustomException;
+import withbeetravel.exception.error.PaymentErrorCode;
+import withbeetravel.repository.SharedPaymentRepository;
+import withbeetravel.repository.TravelMemberRepository;
+
+import java.util.List;
+import java.util.Map;
+import java.util.stream.Collectors;
+
+@Service
+@RequiredArgsConstructor
+public class SharedPaymentServiceImpl implements SharedPaymentService {
+
+    private final SharedPaymentRepository sharedPaymentRepository;
+    private final TravelMemberRepository travelMemberRepository;
+
+    @Override
+    @Transactional(readOnly = true)
+    public Page<SharedPayment> getSharedPayments(Long travelId, SharedPaymentSearchRequest condition) {
+        Category category = null;
+        try {
+            if (condition.getCategory() != null && !condition.getCategory().isBlank()) {
+                category = Category.fromString(condition.getCategory());
+            }
+        } catch (Error e) {
+            throw new CustomException(PaymentErrorCode.SHARED_PAYMENT_NOT_FOUND);
+        }
+
+        Page<SharedPayment> payments = sharedPaymentRepository.findAllByTravelIdAndMemberIdAndDateRange(
+                travelId,
+                condition.getMemberId(),
+                condition.getStartDate(),
+                condition.getEndDate(),
+                category,
+                PageRequest.of(condition.getPage(), 10,
+                        Sort.by(Sort.Direction.DESC, condition.getSortBy().equals("amount") ? "paymentAmount" : "paymentDate"))
+        );
+
+        if (payments.isEmpty()) {
+            throw new CustomException(PaymentErrorCode.SHARED_PAYMENT_NOT_FOUND);
+        }
+
+        return payments;
+    }
+
+    @Override
+    public Map<Long, List<SharedPaymentParticipatingMemberResponse>> getParticipatingMembersMap(Page<SharedPayment> payments) {
+        return payments.getContent().stream()
+                .collect(Collectors.toMap(
+                        SharedPayment::getId,
+                        payment -> payment.getPaymentParticipatedMembers().stream()
+                                .map(ppm -> SharedPaymentParticipatingMemberResponse.builder()
+                                        .id(ppm.getTravelMember().getId())
+                                        .profileImage(ppm.getTravelMember().getUser().getProfileImage())
+                                        .build())
+                                .toList()
+                ));
+    }
+}
diff --git a/src/main/java/withbeetravel/service/settlement/SettlementPendingService.java b/src/main/java/withbeetravel/service/settlement/SettlementPendingService.java
new file mode 100644
index 00000000..2b1067cc
--- /dev/null
+++ b/src/main/java/withbeetravel/service/settlement/SettlementPendingService.java
@@ -0,0 +1,17 @@
+package withbeetravel.service.settlement;
+
+import withbeetravel.domain.SettlementRequest;
+import withbeetravel.domain.SettlementRequestLog;
+import withbeetravel.domain.TravelMember;
+import withbeetravel.domain.TravelMemberSettlementHistory;
+
+import java.util.List;
+
+public interface SettlementPendingService {
+
+    void handlePendingSettlementRequest(List<SettlementRequestLog> settlementRequestLogs,
+                                        List<TravelMember> insufficientBalanceMembers,
+                                        SettlementRequest settlementRequest,
+                                        int updatedCount,
+                                        TravelMemberSettlementHistory travelMemberSettlementHistory);
+}
diff --git a/src/main/java/withbeetravel/service/settlement/SettlementPendingServiceImpl.java b/src/main/java/withbeetravel/service/settlement/SettlementPendingServiceImpl.java
new file mode 100644
index 00000000..ae9479d0
--- /dev/null
+++ b/src/main/java/withbeetravel/service/settlement/SettlementPendingServiceImpl.java
@@ -0,0 +1,91 @@
+package withbeetravel.service.settlement;
+
+import lombok.RequiredArgsConstructor;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Propagation;
+import org.springframework.transaction.annotation.Transactional;
+import org.springframework.web.servlet.mvc.method.annotation.SseEmitter;
+import withbeetravel.domain.*;
+import withbeetravel.repository.SettlementRequestLogRepository;
+import withbeetravel.repository.SettlementRequestRepository;
+import withbeetravel.repository.TravelMemberSettlementHistoryRepository;
+import withbeetravel.repository.notification.EmitterRepository;
+
+import java.io.IOException;
+import java.util.HashMap;
+import java.util.List;
+import java.util.Map;
+
+@Service
+@RequiredArgsConstructor
+public class SettlementPendingServiceImpl implements SettlementPendingService {
+
+    private final SettlementRequestLogRepository settlementRequestLogRepository;
+    private final TravelMemberSettlementHistoryRepository travelMemberSettlementHistoryRepository;
+    private final SettlementRequestRepository settlementRequestRepository;
+    private final EmitterRepository emitterRepository;
+
+    @Override
+    @Transactional(propagation = Propagation.REQUIRES_NEW)
+    public void handlePendingSettlementRequest(List<SettlementRequestLog> settlementRequestLogs,
+                                               List<TravelMember> insufficientBalanceMembers,
+                                               SettlementRequest settlementRequest,
+                                               int updatedCount,
+                                               TravelMemberSettlementHistory travelMemberSettlementHistory) {
+        // 정산 보류 로그 저장
+        settlementRequestLogRepository.saveAll(settlementRequestLogs);
+
+        // 실시간 알림 전송
+        sendNotification(settlementRequestLogs);
+
+        // 잔액 부족 멤버의 정산 동의를 true -> false로 변경
+        changeIsAgreedToFalse(insufficientBalanceMembers, settlementRequest);
+
+        // 자신의 isAgreed는 true로 변경 (영속성 컨텍스트에서 관리하지 않기 때문에 수동으로 save 필요)
+        travelMemberSettlementHistory.updateIsAgreed(true);
+        travelMemberSettlementHistoryRepository.save(travelMemberSettlementHistory);
+
+        // 정산 미동의 인원수 변경 (영속성 컨텍스트에서 관리하지 않기 때문에 수동으로 save 필요)
+        settlementRequest.updateDisagreeCount(insufficientBalanceMembers.size() - 1);
+        settlementRequestRepository.save(settlementRequest);
+    }
+
+    private void changeIsAgreedToFalse(List<TravelMember> insufficientBalanceMembers, SettlementRequest settlementRequest) {
+        for (TravelMember insufficientBalanceMember : insufficientBalanceMembers) {
+            TravelMemberSettlementHistory insufficientTravelMemberSettlementHistory =
+                    travelMemberSettlementHistoryRepository
+                            .findTravelMemberSettlementHistoryBySettlementRequestIdAndTravelMemberId(
+                                    settlementRequest.getId(), insufficientBalanceMember.getId());
+            insufficientTravelMemberSettlementHistory.updateIsAgreed(false);
+        }
+    }
+
+    private void sendNotification(List<SettlementRequestLog> settlementRequestLogs) {
+        for (SettlementRequestLog settlementRequestLog : settlementRequestLogs) {
+            String userId = String.valueOf(settlementRequestLog.getUser().getId());
+
+            // 수신자에 연결된 모든 SseEmitter 객체를 가져옴
+            Map<String, SseEmitter> emitters =
+                    emitterRepository.findAllEmitterStartWithByUserId(userId);
+
+            // eventId 생성
+            String eventId = userId + "_" + System.currentTimeMillis();
+
+            // emitter를 순환하며 각 SseEmitter 객체에 알림 전송
+            emitters.forEach(
+                    (key, sseEmitter) -> {
+                        Map<String, String> eventData = new HashMap<>();
+                        eventData.put("title", settlementRequestLog.getLogTitle().getTitle()); // 로그 타이틀 (ex. 정산 요청)
+                        eventData.put("message", settlementRequestLog.getLogMessage()); // 로그 메시지
+                        eventData.put("link", settlementRequestLog.getLink()); // 이동 링크
+                        emitterRepository.saveEventCache(key, eventData);
+                        try {
+                            sseEmitter.send(SseEmitter.event().id(eventId).name("message").data(eventData));
+                        } catch (IOException e) {
+                            emitterRepository.deleteById(key);
+                        }
+                    }
+            );
+        }
+    }
+}
diff --git a/src/main/java/withbeetravel/service/settlement/SettlementService.java b/src/main/java/withbeetravel/service/settlement/SettlementService.java
new file mode 100644
index 00000000..79f23961
--- /dev/null
+++ b/src/main/java/withbeetravel/service/settlement/SettlementService.java
@@ -0,0 +1,13 @@
+package withbeetravel.service.settlement;
+
+import withbeetravel.dto.response.SuccessResponse;
+import withbeetravel.dto.response.settlement.ShowSettlementDetailResponse;
+
+public interface SettlementService {
+    ShowSettlementDetailResponse getSettlementDetails(Long userId, Long travelId);
+    void requestSettlement(Long userId, Long travelId);
+
+    String agreeSettlement(Long userId, Long travelId);
+
+    void cancelSettlement(Long userId, Long travelId);
+}
\ No newline at end of file
diff --git a/src/main/java/withbeetravel/service/settlement/SettlementServiceImpl.java b/src/main/java/withbeetravel/service/settlement/SettlementServiceImpl.java
new file mode 100644
index 00000000..5e7d5941
--- /dev/null
+++ b/src/main/java/withbeetravel/service/settlement/SettlementServiceImpl.java
@@ -0,0 +1,578 @@
+package withbeetravel.service.settlement;
+
+import lombok.RequiredArgsConstructor;
+import org.jetbrains.annotations.NotNull;
+import org.jetbrains.annotations.Nullable;
+import org.springframework.scheduling.TaskScheduler;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+import org.springframework.web.servlet.mvc.method.annotation.SseEmitter;
+import withbeetravel.domain.*;
+import withbeetravel.dto.response.settlement.*;
+import withbeetravel.exception.CustomException;
+import withbeetravel.exception.error.AuthErrorCode;
+import withbeetravel.exception.error.BankingErrorCode;
+import withbeetravel.exception.error.SettlementErrorCode;
+import withbeetravel.exception.error.TravelErrorCode;
+import withbeetravel.repository.*;
+import withbeetravel.repository.notification.EmitterRepository;
+import withbeetravel.service.banking.AccountService;
+import withbeetravel.service.notification.SettlementRequestLogService;
+
+import java.io.IOException;
+import java.time.LocalDateTime;
+import java.time.ZoneId;
+import java.util.ArrayList;
+import java.util.HashMap;
+import java.util.List;
+import java.util.Map;
+import java.util.stream.Stream;
+
+@Service
+@RequiredArgsConstructor
+@Transactional
+public class SettlementServiceImpl implements SettlementService {
+
+    private final TravelMemberRepository travelMemberRepository;
+    private final SettlementRequestRepository settlementRequestRepository;
+    private final TravelMemberSettlementHistoryRepository travelMemberSettlementHistoryRepository;
+    private final PaymentParticipatedMemberRepository paymentParticipatedMemberRepository;
+    private final UserRepository userRepository;
+    private final TravelRepository travelRepository;
+    private final SharedPaymentRepository sharedPaymentRepository;
+    private final SettlementRequestLogRepository settlementRequestLogRepository;
+    private final AccountRepository accountRepository;
+
+    private final SettlementPendingService settlementPendingService;
+    private final AccountService accountService;
+    private final TaskScheduler taskScheduler;
+    private final SettlementRequestLogService settlementRequestLogService;
+    private final EmitterRepository emitterRepository;
+
+
+    @Override
+    @Transactional(readOnly = true)
+    public ShowSettlementDetailResponse getSettlementDetails(Long userId, Long travelId) {
+        SettlementRequest settlementRequest = findSettlementRequestByTravelId(travelId);
+        Long settlementRequestId = settlementRequest.getId();
+
+        Long myTravelMemberId = findMyTravelMemberByTravelIdAndUserId(travelId, userId).getId();
+
+        List<TravelMemberSettlementHistory> travelMemberSettlementHistories =
+                travelMemberSettlementHistoryRepository.findAllBySettlementRequestId(settlementRequestId);
+
+        // 미동의 인원수
+        int disagreeCount = settlementRequest.getDisagreeCount();
+
+        ShowMyTotalPaymentResponse myTotalPayments =
+                createMyTotalPaymentResponse(userId, travelMemberSettlementHistories, myTravelMemberId);
+
+        List<ShowOtherSettlementResponse> others =
+                createOtherSettlementResponses(travelMemberSettlementHistories, myTravelMemberId);
+
+        MyDetailPaymentResponse myDetailPaymentResponse = createMyDetailPaymentResponses(myTravelMemberId);
+        List<ShowMyDetailPaymentResponse> myDetailPayments = myDetailPaymentResponse.getMyDetailPaymentResponses();
+        int totalPaymentAmounts = myDetailPaymentResponse.getTotalPaymentAmounts();
+        int totalRequestedAmounts = myDetailPaymentResponse.getTotalRequestedAmounts();
+
+        return ShowSettlementDetailResponse.of(
+                myTotalPayments, disagreeCount, totalPaymentAmounts, totalRequestedAmounts, myDetailPayments, others);
+    }
+
+    @Override
+    public void requestSettlement(Long userId, Long travelId) {
+        TravelMember travelMember = findMyTravelMemberByTravelIdAndUserId(travelId, userId);
+        validateIsCaptain(travelMember);
+
+        // 여행 멤버 인원수 카운트
+        int totalMemberCount = travelMemberRepository.findAllByTravelId(travelId).size();
+
+        Travel travel = findTravelById(travelId);
+
+        // 진행 중인 정산 요청이 있을 경우 에러 처리
+        validateSettlementStatusIsNotOngoing(travel);
+
+        // 정산 요청 생성
+        SettlementRequest newSettlementRequest = createSettlementRequest(travel, totalMemberCount);
+
+        // 여행멤버정산내역 생성
+        for (TravelMember member : travelMemberRepository.findAllByTravelId(travelId)) {
+            Long travelMemberId = member.getId();
+            User user = member.getUser();
+
+            int ownPaymentCost = getTotalOwnPaymentCost(travelMemberId);
+            int actualBurdenCost = getTotalActualBurdenCost(travelMemberId);
+
+            TravelMemberSettlementHistory travelMemberSettlementHistory =
+                    TravelMemberSettlementHistory.builder()
+                            .settlementRequest(newSettlementRequest)
+                            .travelMember(member)
+                            .ownPaymentCost(ownPaymentCost)
+                            .actualBurdenCost(actualBurdenCost)
+                            .isAgreed(false)
+                            .build();
+
+            travelMemberSettlementHistoryRepository.save(travelMemberSettlementHistory);
+
+            // 여행장 제외하고 정산 요청 전송
+            if (user.getId() != userId) {
+                // 정산 요청 저장
+                saveSettlementRequestLog(travel, user, LogTitle.SETTLEMENT_REQUEST, 0);
+            }
+
+        }
+
+        // 정산 여부를 ONGOING으로 변경
+        travel.updateSettlementStatus(SettlementStatus.ONGOING);
+
+        // 24시간(= 86400초) 뒤에 createSettlementRerequestLogForNotAgreed 실행
+        try {
+            if (newSettlementRequest.getRequestStartTime() != null) {
+                taskScheduler.schedule(
+                        () -> settlementRequestLogService.createSettlementReRequestLogForNotAgreed(newSettlementRequest),
+                        newSettlementRequest.getRequestStartTime()
+                                .atZone(ZoneId.systemDefault()).toInstant().plusSeconds(24 * 60 * 60));
+            }
+        } catch (Exception e) {
+            throw new CustomException(SettlementErrorCode.SCHEDULER_PROCESSING_FAILED);
+        }
+    }
+
+    private void validateSettlementStatusIsNotOngoing(Travel travel) {
+        if (travel.getSettlementStatus().equals(SettlementStatus.ONGOING)) {
+            throw new CustomException(SettlementErrorCode.SETTLEMENT_ONGOING_ALREADY_EXISTS);
+        }
+    }
+
+    @Override
+    public String agreeSettlement(Long userId, Long travelId) {
+        // 해당 멤버가 여행 멤버인지 확인
+        TravelMember selfTravelMember = findMyTravelMemberByTravelIdAndUserId(travelId, userId);
+
+        // 정산 요청의 존재 여부 및 정산 여부가 ONGOING(진행중)인지 확인
+        SettlementRequest settlementRequest = findSettlementRequestByTravelId(travelId);
+        Travel travel = findTravelById(travelId);
+        validateSettlementRequestOngoing(travel);
+
+        // 해당 멤버가 이미 동의한 정산 요청인지 확인
+        TravelMemberSettlementHistory travelMemberSettlementHistory =
+                travelMemberSettlementHistoryRepository
+                        .findTravelMemberSettlementHistoryBySettlementRequestIdAndTravelMemberId(
+                                settlementRequest.getId(), selfTravelMember.getId());
+        validateSettlementRequestAlreadyAgree(travelMemberSettlementHistory);
+
+        // 나의 총 정산 금액이 마이너스인 경우, 잔액이 부족하지 않은 지 확인
+        User user = validateUser(userId);
+        int myTotalPaymentCost =
+                travelMemberSettlementHistory.getOwnPaymentCost() - travelMemberSettlementHistory.getActualBurdenCost();
+        Account myConnectedAccount = user.getConnectedAccount();
+        validateMyBalanceIsEnough(myTotalPaymentCost, myConnectedAccount);
+
+        // disagree_count가 2 이상이면 isAgreed를 true로 변경, 1이면 정산 진행, 0이면 에러 발생
+        int disagreeCount = settlementRequest.getDisagreeCount();
+
+        if (disagreeCount >= 2) {
+            updateIsAgreedAndDisagreeCount(travelMemberSettlementHistory, settlementRequest);
+
+            return "정산 동의 완료";
+        } else if (disagreeCount == 1) {
+
+            // 총 정산 금액(ownPaymentCost - actualBurdenCost) 값의 오름차순으로 travelMemberSettlementHistory 리스트 정렬
+            List<TravelMemberSettlementHistory> travelMemberSettlementHistories =
+                    travelMemberSettlementHistoryRepository
+                            .findAllBySettlementRequestIdOrderByCalculatedCost(settlementRequest.getId());
+
+            // 총 정산 금액이 마이너스인 사람만 잔액이 있는지 확인
+            // insufficientBalanceMembers : 잔액이 부족한 여행멤버 리스트
+            List<TravelMember> insufficientBalanceMembers = new ArrayList<>();
+            validateOtherMembersBalance(travelMemberSettlementHistories, insufficientBalanceMembers);
+
+            // insufficientBalancedMembers에 한 명이라도 있을 경우, 정산 보류
+            if (!insufficientBalanceMembers.isEmpty()) {
+
+                List<SettlementRequestLog> settlementRequestLogs = insufficientBalanceMembers.stream()
+                        .map(travelMember -> {
+                            User insufficientUser = travelMember.getUser();
+                            return saveSettlementRequestLog(travel, insufficientUser, LogTitle.SETTLEMENT_PENDING, 0);
+                        })
+                        .toList();
+
+                // 롤백시 실행되도록 다른 서비스 클래스로 분리
+                settlementPendingService.handlePendingSettlementRequest(
+                        settlementRequestLogs,
+                        insufficientBalanceMembers,
+                        settlementRequest,
+                        insufficientBalanceMembers.size(),
+                        travelMemberSettlementHistory);
+
+                throw new CustomException(SettlementErrorCode.SETTLEMENT_INSUFFICIENT_BALANCE);
+            }
+
+            // 나의 정산 동의 여부를 false -> true로 변경, disagreeCount에서 -1하기 (0으로 됨)
+            updateIsAgreedAndDisagreeCount(travelMemberSettlementHistory, settlementRequest);
+
+            // totalPaymentCost가 0보다 작은 경우, 해당 멤버의 계좌에서 totalPaymentCost를 인출
+            // totalPaymentCost가 0 이상일 경우, 해당 멤버의 계좌에 totalPaymentCost를 송금
+            Account managerAccount = accountRepository
+                    .findById(1L).orElseThrow(() -> new CustomException(BankingErrorCode.ACCOUNT_NOT_FOUND));
+
+            // 총 정산 금액의 합산 계산
+            int totalPaymentCostSum = getTotalPaymentCostSum(travelMemberSettlementHistories);
+
+            // 위비트래블 계좌(관리자 계좌)의 잔액 부족 확인
+            validateManagerBalance(managerAccount, totalPaymentCostSum);
+
+            // 정산 처리
+            processSettlement(travelMemberSettlementHistories, managerAccount, travel);
+
+            // 정산 여부를 DONE으로 변경
+            travel.updateSettlementStatus(SettlementStatus.DONE);
+
+            // 정산 종료일을 현재로 변경
+            settlementRequest.updateRequestEndDate(LocalDateTime.now());
+
+            // 정산 완료 로그 생성
+            for (TravelMember travelMember : travelMemberRepository.findAllByTravelId(travelId)) {
+                SettlementRequestLog settlementRequestLog =
+                        saveSettlementRequestLog(travel, travelMember.getUser(), LogTitle.SETTLEMENT_COMPLETE, totalPaymentCostSum);
+                settlementRequestLogRepository.save(settlementRequestLog);
+            }
+
+            return "모든 여행 멤버의 정산 동의 완료 후 정산 완료";
+        }
+
+        // 정산 미동의 인원수가 0인 경우 에러 처리
+        else {
+            throw new CustomException(SettlementErrorCode.SETTLEMENT_DISAGREE_COUNT_NOT_CERTAIN);
+        }
+    }
+
+    private User validateUser(Long userId) {
+        return userRepository.findById(userId).orElseThrow(() -> new CustomException(AuthErrorCode.AUTHENTICATION_FAILED));
+    }
+
+    private void processSettlement(List<TravelMemberSettlementHistory> travelMemberSettlementHistories, Account managerAccount, Travel travel) {
+        for (TravelMemberSettlementHistory settlementHistory : travelMemberSettlementHistories) {
+            int totalPaymentCost = settlementHistory.getOwnPaymentCost() - settlementHistory.getActualBurdenCost();
+            User user = settlementHistory.getTravelMember().getUser();
+            Account connectedAccount = user.getConnectedAccount();
+            if (totalPaymentCost < 0) {
+                accountService.transfer(connectedAccount.getId(),
+                        managerAccount.getAccountNumber(), -totalPaymentCost, "위비트래블 정산금 출금");
+            } else {
+                // 관리자 계좌의 송금 메시지를 "{여행명}의 정산금 출금"으로 표시
+                accountService.transfer(managerAccount.getId(),
+                        connectedAccount.getAccountNumber(), totalPaymentCost, travel.getTravelName() + "의 정산금 출금");
+            }
+        }
+    }
+
+    private int getTotalPaymentCostSum(List<TravelMemberSettlementHistory> travelMemberSettlementHistories) {
+        int totalPaymentCostSum = 0;
+        for (TravelMemberSettlementHistory settlementHistory : travelMemberSettlementHistories) {
+            totalPaymentCostSum += settlementHistory.getOwnPaymentCost() - settlementHistory.getActualBurdenCost();
+        }
+        return totalPaymentCostSum;
+    }
+
+    private void validateManagerBalance(Account managerAccount, int totalPaymentCostSum) {
+        if (managerAccount.getBalance() < totalPaymentCostSum) {
+            throw new CustomException(BankingErrorCode.INSUFFICIENT_MANAGER_ACCOUNT_BALANCE);
+        }
+    }
+
+    @Override
+    public void cancelSettlement(Long userId, Long travelId) {
+
+        // 정산 요청이 있는지 확인
+        SettlementRequest settlementRequest = findSettlementRequestByTravelId(travelId);
+
+        // 진행 중인 정산인지 확인
+        Travel travel = findTravelById(travelId);
+        validateSettlementRequestOngoing(travel);
+
+        // 멤버들의 정산 내역을 먼저 삭제
+        travelMemberSettlementHistoryRepository.deleteAllBySettlementRequestId(settlementRequest.getId());
+
+        // 멤버들의 settlementHistory 초기화
+        List<TravelMember> travelMembers = travelMemberRepository.findAllByTravelId(travelId);
+        for (int i = 0; i < travelMembers.size(); i++) {
+            travelMembers.get(i).initializeSettlementHistory();
+        }
+
+        // 정산 요청 삭제
+        settlementRequestRepository.deleteById(settlementRequest.getId());
+
+        // 정산 여부를 ONGOING -> PENDING으로 변경
+        travel.updateSettlementStatus(SettlementStatus.PENDING);
+
+        // 정산 취소 로그 저장
+        for (TravelMember travelMember : travelMemberRepository.findAllByTravelId(travelId)) {
+            saveSettlementRequestLog(travel, travelMember.getUser(), LogTitle.SETTLEMENT_CANCEL, 0);
+        }
+    }
+
+    private void updateIsAgreedAndDisagreeCount(TravelMemberSettlementHistory travelMemberSettlementHistory, SettlementRequest settlementRequest) {
+        travelMemberSettlementHistory.updateIsAgreed(true);
+        settlementRequest.updateDisagreeCount(-1);
+    }
+
+    private void validateOtherMembersBalance(List<TravelMemberSettlementHistory> travelMemberSettlementHistories, List<TravelMember> insufficientBalanceMembers) {
+        for (TravelMemberSettlementHistory settlementHistory : travelMemberSettlementHistories) {
+            int totalPaymentCost = settlementHistory.getOwnPaymentCost() - settlementHistory.getActualBurdenCost();
+
+            if (totalPaymentCost < 0) {
+                TravelMember travelMember = settlementHistory.getTravelMember();
+                Account connectedAccount = travelMember.getUser().getConnectedAccount();
+
+                if (connectedAccount.getBalance() + totalPaymentCost < 0) {
+                    insufficientBalanceMembers.add(travelMember);
+                }
+            }
+        }
+    }
+
+    private void validateMyBalanceIsEnough(int myTotalPaymentCost, Account myConnectedAccount) {
+        if (myTotalPaymentCost < 0) {
+            if (myConnectedAccount.getBalance() + myTotalPaymentCost < 0) {
+                throw new CustomException(BankingErrorCode.INSUFFICIENT_FUNDS);
+            }
+        }
+    }
+
+
+    private void validateSettlementRequestAlreadyAgree(TravelMemberSettlementHistory travelMemberSettlementHistory) {
+        if (travelMemberSettlementHistory.isAgreed()) {
+            throw new CustomException(SettlementErrorCode.SETTLEMENT_ALREADY_AGREED);
+        }
+    }
+
+    private void validateSettlementRequestOngoing(Travel travel) {
+        if (!travel.getSettlementStatus().equals(SettlementStatus.ONGOING)) {
+            throw new CustomException(SettlementErrorCode.SETTLEMENT_NOT_ONGOING);
+        }
+    }
+
+    private SettlementRequestLog saveSettlementRequestLog(Travel travel, User user,
+                                                          LogTitle logTitle, int additionalValue) {
+
+        String logMessage = getLogMessage(travel, user, logTitle, additionalValue);
+        String link = getLink(travel, user, logTitle);
+
+        SettlementRequestLog settlementRequestLog = settlementRequestLogRepository.save(
+                SettlementRequestLog.builder()
+                        .travel(travel)
+                        .user(user)
+                        .logTitle(logTitle)
+                        .logMessage(logMessage)
+                        .link(link)
+                        .build());
+
+        // 실시간 알림 전송
+        if (!logTitle.equals(LogTitle.SETTLEMENT_PENDING)) {
+            sendNotification(settlementRequestLog);
+        }
+
+        return settlementRequestLog;
+    }
+
+    @Nullable
+    private String getLink(Travel travel, User user, LogTitle logTitle) {
+        return logTitle.equals(LogTitle.SETTLEMENT_PENDING) || logTitle.equals(LogTitle.SETTLEMENT_COMPLETE) ?
+                logTitle.getLinkPattern(user.getConnectedAccount().getId()) :
+                (logTitle.equals(LogTitle.SETTLEMENT_REQUEST) ?
+                        logTitle.getLinkPattern(travel.getId()) : null);
+    }
+
+    @NotNull
+    private String getLogMessage(Travel travel, User user, LogTitle logTitle, int additionalValue) {
+        return logTitle.equals(LogTitle.SETTLEMENT_PENDING) ?
+                logTitle.getMessage(travel.getTravelName(), user.getName()) :
+                (logTitle.equals(LogTitle.SETTLEMENT_COMPLETE) ?
+                        logTitle.getMessage(travel.getTravelName(), additionalValue) :
+                        logTitle.getMessage(travel.getTravelName()));
+    }
+
+    private void sendNotification(SettlementRequestLog settlementRequestLog) {
+        String userId = String.valueOf(settlementRequestLog.getUser().getId());
+
+        // 수신자에 연결된 모든 SseEmitter 객체를 가져옴
+        Map<String, SseEmitter> emitters =
+                emitterRepository.findAllEmitterStartWithByUserId(userId);
+
+        // eventId 생성
+        String eventId = userId + "_" + System.currentTimeMillis();
+
+        // emitter를 순환하며 각 SseEmitter 객체에 알림 전송
+        emitters.forEach(
+                (key, sseEmitter) -> {
+                    Map<String, String> eventData = new HashMap<>();
+                    eventData.put("title", settlementRequestLog.getLogTitle().getTitle()); // 로그 타이틀 (ex. 정산 요청)
+                    eventData.put("message", settlementRequestLog.getLogMessage()); // 로그 메시지
+                    eventData.put("link", settlementRequestLog.getLink()); // 이동 링크
+                    emitterRepository.saveEventCache(key, eventData);
+                    try {
+                        sseEmitter.send(SseEmitter.event().id(eventId).name("message").data(eventData));
+                    } catch (IOException e) {
+                        emitterRepository.deleteById(key);
+                    }
+                }
+        );
+    }
+
+    private int getTotalActualBurdenCost(Long travelMemberId) {
+        int actualBurdenCost = 0;
+        for (PaymentParticipatedMember paymentParticipatedMember :
+                paymentParticipatedMemberRepository.findAllByTravelMemberId(travelMemberId)) {
+            SharedPayment sharedPayment = paymentParticipatedMember.getSharedPayment();
+            actualBurdenCost += sharedPayment.getPaymentAmount() / sharedPayment.getParticipantCount();
+        }
+        return actualBurdenCost;
+    }
+
+    private int getTotalOwnPaymentCost(Long travelMemberId) {
+        int ownPaymentCost = 0;
+        for (SharedPayment sharedPayment :
+                sharedPaymentRepository.findAllByAddedByMemberId(travelMemberId)) {
+            ownPaymentCost += sharedPayment.getPaymentAmount();
+        }
+        return ownPaymentCost;
+    }
+
+    private SettlementRequest createSettlementRequest(Travel travel, int totalMemberCount) {
+                return settlementRequestRepository.save(
+                        SettlementRequest.builder()
+                                .travel(travel)
+                                .disagreeCount(totalMemberCount)
+                                .build());
+    }
+
+    private Travel findTravelById(Long travelId) {
+        return travelRepository
+                .findById(travelId)
+                .orElseThrow(() -> new CustomException(TravelErrorCode.TRAVEL_NOT_FOUND));
+    }
+
+    private void validateIsCaptain(TravelMember travelMember) {
+        if (!travelMember.isCaptain()) {
+            throw new CustomException(SettlementErrorCode.NO_PERMISSION_TO_MANAGE_SETTLEMENT);
+        }
+    }
+
+    private MyDetailPaymentResponse createMyDetailPaymentResponses(Long myTravelMemberId) {
+        // 내가 정산에 포함된 결제 내역들
+        List<PaymentParticipatedMember> paymentParticipatedMembers = paymentParticipatedMemberRepository.findAllByTravelMemberId(myTravelMemberId);
+        List<SharedPayment> settledPayments = paymentParticipatedMembers.stream()
+                .map(PaymentParticipatedMember::getSharedPayment).toList();
+
+        // 내가 결제한 리스트
+        List<SharedPayment> sharedPayments = sharedPaymentRepository.findAllByAddedByMemberId(myTravelMemberId);
+        // 내가 결제했지만 정산에 포함되지 않는 공동결제내역들
+        List<SharedPayment> unsettledPayments = sharedPayments.stream()
+                .filter(sharedPayment -> {
+                    Long sharedPaymentId = sharedPayment.getId();
+                    return !paymentParticipatedMemberRepository.existsByTravelMemberIdAndSharedPaymentId(myTravelMemberId, sharedPaymentId);
+                }).toList();
+
+        // settledPayments + unsettledPayments
+        List<SharedPayment> allPayments = Stream.concat(settledPayments.stream(), unsettledPayments.stream()).toList();
+
+        // 총 받을 금액
+        int sumOfPaymentAmounts = 0;
+
+        // 총 보낼 금액
+        int sumOfRequestedAmounts = 0;
+
+        // 세부 지출 내역들
+        List<ShowMyDetailPaymentResponse> myDetailPaymentResponses = new ArrayList<>();
+
+        for (SharedPayment sharedPayment : allPayments) {
+            Long sharedPaymentId = sharedPayment.getId();
+            TravelMember addedByTravelMember = sharedPayment.getAddedByMember();
+
+            int participantCount = sharedPayment.getParticipantCount();
+            int paymentAmount = sharedPayment.getPaymentAmount();
+            int amountPerPerson = paymentAmount / participantCount;
+
+            // 내가 결제했고, 정산에 포함되었는지 확인
+            boolean included = paymentParticipatedMemberRepository
+                    .existsByTravelMemberIdAndSharedPaymentId(
+                            addedByTravelMember.getId(), sharedPayment.getId());
+
+            // 내가 결제한 내역, 내가 결제했지만 정산에 포함되지 않은 내역,
+            // 내가 결제하지 않았지만 정산에 포함된 내역을 구분해서 RequestedAmount 계산
+            int requestedAmount =
+                    addedByTravelMember.getId() == myTravelMemberId ?
+                            (included ? paymentAmount - amountPerPerson : paymentAmount) : -amountPerPerson;
+
+            if (requestedAmount < 0) {
+                sumOfRequestedAmounts += requestedAmount;
+            } else {
+                sumOfPaymentAmounts += requestedAmount;
+
+            }
+
+            myDetailPaymentResponses.add(ShowMyDetailPaymentResponse.of(
+                    sharedPaymentId,
+                    paymentAmount,
+                    requestedAmount,
+                    sharedPayment.getStoreName(),
+                    sharedPayment.getPaymentDate()));
+        }
+
+        return MyDetailPaymentResponse.of(sumOfPaymentAmounts, -sumOfRequestedAmounts, myDetailPaymentResponses);
+    }
+
+    private List<ShowOtherSettlementResponse> createOtherSettlementResponses
+            (List<TravelMemberSettlementHistory> travelMemberSettlementHistories, Long myTravelMemberId) {
+        return travelMemberSettlementHistories
+                .stream()
+                .filter(history -> !history.getTravelMember().getId().equals(myTravelMemberId))
+                .map(history -> {
+                    Long travelMemberId = history.getTravelMember().getId();
+                    boolean isAgreed = history.isAgreed();
+                    TravelMember travelMember = travelMemberRepository.findById(travelMemberId)
+                            .orElseThrow(() -> new CustomException(TravelErrorCode.TRAVEL_ACCESS_FORBIDDEN));
+                    String memberName = travelMember.getUser().getName();
+                    int totalPaymentCost = history.getOwnPaymentCost() - history.getActualBurdenCost();
+                    return ShowOtherSettlementResponse.of(travelMemberId, memberName, totalPaymentCost, isAgreed);
+                })
+                .toList();
+    }
+
+    private ShowMyTotalPaymentResponse createMyTotalPaymentResponse(
+            Long userId, List<TravelMemberSettlementHistory> travelMemberSettlementHistories, Long myTravelMemberId) {
+
+        // 내가 결제한 공유 결제 내역의 1/n 금액의 합계
+        List<SharedPayment> sharedPayments = sharedPaymentRepository.findAllByAddedByMemberId(myTravelMemberId);
+        int sumOfAmountPerPerson = sharedPayments.stream()
+                .mapToInt(sharedPayment -> sharedPayment.getPaymentAmount() / sharedPayment.getParticipantCount())
+                .sum();
+
+        return travelMemberSettlementHistories
+                .stream()
+                .filter(history -> history.getTravelMember().getId().equals(myTravelMemberId))
+                .findFirst()
+                .map(history -> {
+                    String name = userRepository.findById(userId)
+                            .orElseThrow(() -> new CustomException(AuthErrorCode.AUTHENTICATION_FAILED)).getName();
+                    // 내가 받아야 할 금액의 합계 = 내 결제 금액 합계 - 1/n 금액의 합계
+                    int ownPaymentCost = history.getOwnPaymentCost() - sumOfAmountPerPerson;
+                    int actualBurdenCost = history.getActualBurdenCost() - sumOfAmountPerPerson;
+                    boolean isAgreed = history.isAgreed();
+                    return ShowMyTotalPaymentResponse.of(name, isAgreed, ownPaymentCost, actualBurdenCost);
+                })
+                .orElseThrow(() -> new CustomException(SettlementErrorCode.MEMBER_SETTLEMENT_HISTORY_NOT_FOUND));
+    }
+
+    private TravelMember findMyTravelMemberByTravelIdAndUserId(Long travelId, Long userId) {
+        return travelMemberRepository
+                .findByTravelIdAndUserId(travelId, userId)
+                .orElseThrow(() -> new CustomException(TravelErrorCode.TRAVEL_ACCESS_FORBIDDEN));
+    }
+
+    private SettlementRequest findSettlementRequestByTravelId(Long travelId) {
+        return settlementRequestRepository.findByTravelId(travelId)
+                .orElseThrow(() -> new CustomException(SettlementErrorCode.SETTLEMENT_NOT_FOUND));
+    }
+}
diff --git a/src/main/java/withbeetravel/service/travel/HoneyCapsuleService.java b/src/main/java/withbeetravel/service/travel/HoneyCapsuleService.java
new file mode 100644
index 00000000..719ae9ca
--- /dev/null
+++ b/src/main/java/withbeetravel/service/travel/HoneyCapsuleService.java
@@ -0,0 +1,11 @@
+package withbeetravel.service.travel;
+
+import withbeetravel.dto.response.travel.HoneyCapsuleResponse;
+import withbeetravel.dto.response.SuccessResponse;
+
+import java.util.List;
+
+public interface HoneyCapsuleService {
+
+    SuccessResponse<List<HoneyCapsuleResponse>> getHoneyCapsuleList(Long travelId);
+}
diff --git a/src/main/java/withbeetravel/service/travel/HoneyCapsuleServiceImpl.java b/src/main/java/withbeetravel/service/travel/HoneyCapsuleServiceImpl.java
new file mode 100644
index 00000000..62baee62
--- /dev/null
+++ b/src/main/java/withbeetravel/service/travel/HoneyCapsuleServiceImpl.java
@@ -0,0 +1,55 @@
+package withbeetravel.service.travel;
+
+import lombok.RequiredArgsConstructor;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+import withbeetravel.domain.SettlementStatus;
+import withbeetravel.domain.SharedPayment;
+import withbeetravel.domain.Travel;
+import withbeetravel.dto.response.travel.HoneyCapsuleResponse;
+import withbeetravel.dto.response.SuccessResponse;
+import withbeetravel.exception.CustomException;
+import withbeetravel.exception.error.SettlementErrorCode;
+import withbeetravel.exception.error.TravelErrorCode;
+import withbeetravel.repository.SharedPaymentRepository;
+import withbeetravel.repository.TravelRepository;
+
+import java.util.ArrayList;
+import java.util.List;
+import java.util.stream.Collectors;
+
+@Service
+@RequiredArgsConstructor
+public class HoneyCapsuleServiceImpl implements HoneyCapsuleService{
+
+    private final TravelRepository travelRepository;
+    private final SharedPaymentRepository sharedPaymentRepository;
+
+
+    @Override
+    @Transactional(readOnly = true)
+    public SuccessResponse<List<HoneyCapsuleResponse>> getHoneyCapsuleList(Long travelId) {
+
+        // travelId에 대한 엔티티 가져오기
+        Travel travel = travelRepository.findById(travelId)
+                .orElseThrow(() -> new CustomException(TravelErrorCode.TRAVEL_NOT_FOUND));
+
+        // 여행 정산이 아직 안끝났다면, 허니캡슐에 접근할 수 없음
+        if(travel.getSettlementStatus() != SettlementStatus.DONE) {
+            throw new CustomException(SettlementErrorCode.SETTLEMENT_NOT_COMPLETED);
+        }
+
+        // travelId의 공동 결제 내역 모두 불러오기
+        List<SharedPayment> allByTravelId = sharedPaymentRepository.findAllByTravelId(travelId);
+
+        // SharedPayment 리스트를 HoneyCapsuleResponse 리스트로 변환 (사진과 문구가 둘 다 없으면 반환하지 않음)
+        List<HoneyCapsuleResponse> honeyCapsuleResponseList = new ArrayList<>();
+        for(SharedPayment sharedPayment : allByTravelId) {
+            if(sharedPayment.getPaymentImage() != null || sharedPayment.getPaymentComment() != null) {
+                honeyCapsuleResponseList.add(HoneyCapsuleResponse.from(sharedPayment));
+            }
+        }
+
+        return SuccessResponse.of(200, "여행 기록 조회 성공", honeyCapsuleResponseList);
+    }
+}
diff --git a/src/main/java/withbeetravel/service/travel/TravelMemberService.java b/src/main/java/withbeetravel/service/travel/TravelMemberService.java
new file mode 100644
index 00000000..127238e3
--- /dev/null
+++ b/src/main/java/withbeetravel/service/travel/TravelMemberService.java
@@ -0,0 +1,12 @@
+package withbeetravel.service.travel;
+
+import withbeetravel.domain.TravelMember;
+import withbeetravel.dto.response.SuccessResponse;
+import withbeetravel.dto.response.travel.TravelMemberResponse;
+
+import java.util.List;
+
+public interface TravelMemberService {
+
+    List<TravelMember> getTravelMembers(Long travelId);
+}
diff --git a/src/main/java/withbeetravel/service/travel/TravelMemberServiceImpl.java b/src/main/java/withbeetravel/service/travel/TravelMemberServiceImpl.java
new file mode 100644
index 00000000..fc518311
--- /dev/null
+++ b/src/main/java/withbeetravel/service/travel/TravelMemberServiceImpl.java
@@ -0,0 +1,25 @@
+package withbeetravel.service.travel;
+
+import lombok.RequiredArgsConstructor;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+import withbeetravel.domain.TravelMember;
+import withbeetravel.dto.response.SuccessResponse;
+import withbeetravel.dto.response.travel.TravelMemberResponse;
+import withbeetravel.repository.TravelMemberRepository;
+
+import java.util.List;
+import java.util.stream.Collectors;
+
+@Service
+@RequiredArgsConstructor
+public class TravelMemberServiceImpl implements TravelMemberService {
+
+    private final TravelMemberRepository travelMemberRepository;
+
+    @Override
+    @Transactional(readOnly = true)
+    public List<TravelMember> getTravelMembers(Long travelId) {
+        return travelMemberRepository.findAllByTravelId(travelId);
+    }
+}
diff --git a/src/main/java/withbeetravel/service/travel/TravelService.java b/src/main/java/withbeetravel/service/travel/TravelService.java
new file mode 100644
index 00000000..a88d1ccf
--- /dev/null
+++ b/src/main/java/withbeetravel/service/travel/TravelService.java
@@ -0,0 +1,35 @@
+package withbeetravel.service.travel;
+
+import org.springframework.web.multipart.MultipartFile;
+import withbeetravel.dto.request.account.CardCompletedRequest;
+import withbeetravel.dto.response.account.AccountConnectedWibeeResponse;
+import withbeetravel.dto.response.travel.TravelHomeResponse;
+import withbeetravel.dto.request.travel.InviteCodeSignUpRequest;
+import withbeetravel.dto.request.travel.TravelRequest;
+import withbeetravel.dto.response.travel.InviteCodeGetResponse;
+import withbeetravel.dto.response.travel.InviteCodeSignUpResponse;
+import withbeetravel.dto.response.travel.TravelResponse;
+import withbeetravel.dto.response.travel.TravelListResponse;
+
+import java.util.List;
+
+public interface
+TravelService {
+    TravelResponse saveTravel(TravelRequest request,Long userId);
+
+    void editTravel(TravelRequest request, Long travelId);
+
+    TravelHomeResponse getTravel(Long travelId, Long userId);
+
+    InviteCodeSignUpResponse signUpTravel(InviteCodeSignUpRequest request,Long userId);
+
+    InviteCodeGetResponse getInviteCode(Long travelId);
+
+    List<TravelListResponse> getTravelList(Long userId);
+
+    void postConnectedAccount(CardCompletedRequest request, Long userId);
+
+    AccountConnectedWibeeResponse getConnectedWibee(Long userId);
+
+    void changeMainImage(Long travelId, MultipartFile image);
+}
diff --git a/src/main/java/withbeetravel/service/travel/TravelServiceImpl.java b/src/main/java/withbeetravel/service/travel/TravelServiceImpl.java
new file mode 100644
index 00000000..ca20f963
--- /dev/null
+++ b/src/main/java/withbeetravel/service/travel/TravelServiceImpl.java
@@ -0,0 +1,382 @@
+package withbeetravel.service.travel;
+
+import lombok.RequiredArgsConstructor;
+import org.slf4j.Logger;
+import org.slf4j.LoggerFactory;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+import org.springframework.web.multipart.MultipartFile;
+import org.springframework.web.servlet.mvc.method.annotation.SseEmitter;
+import withbeetravel.domain.*;
+import withbeetravel.dto.request.account.CardCompletedRequest;
+import withbeetravel.dto.response.account.AccountConnectedWibeeResponse;
+import withbeetravel.dto.response.travel.TravelHomeResponse;
+import withbeetravel.dto.request.travel.InviteCodeSignUpRequest;
+import withbeetravel.dto.request.travel.TravelRequest;
+import withbeetravel.dto.response.travel.InviteCodeGetResponse;
+import withbeetravel.dto.response.travel.InviteCodeSignUpResponse;
+import withbeetravel.dto.response.travel.TravelResponse;
+import withbeetravel.dto.response.travel.TravelListResponse;
+import withbeetravel.exception.CustomException;
+import withbeetravel.exception.error.AuthErrorCode;
+import withbeetravel.exception.error.BankingErrorCode;
+import withbeetravel.exception.error.TravelErrorCode;
+import withbeetravel.exception.error.ValidationErrorCode;
+import withbeetravel.repository.AccountRepository;
+import withbeetravel.repository.TravelCountryRepository;
+import withbeetravel.repository.TravelRepository;
+import withbeetravel.repository.*;
+import withbeetravel.repository.notification.EmitterRepository;
+import withbeetravel.service.global.S3Uploader;
+
+import java.io.IOException;
+import java.time.LocalDate;
+import java.util.HashMap;
+import java.util.List;
+import java.util.Map;
+import java.util.UUID;
+import java.util.stream.Collectors;
+
+@Service
+@RequiredArgsConstructor
+@Transactional
+public class TravelServiceImpl implements TravelService {
+
+
+    private static final Logger log = LoggerFactory.getLogger(TravelServiceImpl.class);
+    private final TravelRepository travelRepository;
+    private final TravelCountryRepository travelCountryRepository;
+    private final AccountRepository accountRepository;
+    private final SharedPaymentRepository sharedPaymentRepository;
+    private final TravelMemberRepository travelMemberRepository;
+    private final UserRepository userRepository;
+    private final PaymentParticipatedMemberRepository paymentParticipatedMemberRepository;
+    private final SettlementRequestLogRepository settlementRequestLogRepository;
+    private final EmitterRepository emitterRepository;
+
+    private final S3Uploader s3Uploader;
+
+    // S3에 이미지를 저장할 경로
+    private static final String TRAVEL_IMAGE_DIR = "travels/";
+
+    @Override
+    public TravelResponse saveTravel(TravelRequest requestDto,Long userId) {
+
+        List<Account> accounts = accountRepository.findByUserId(userId);
+        System.out.println(accounts);
+        boolean hasConnectedWibeeCard = accounts.stream()
+                .anyMatch(Account::isConnectedWibeeCard);
+        System.out.println(hasConnectedWibeeCard);
+        if(!hasConnectedWibeeCard){
+            throw new CustomException(TravelErrorCode.TRAVEL_CAPTAIN_NOT);
+        }
+
+        // 초대 코드 생성
+        String inviteCode = UUID.randomUUID().toString();
+
+
+
+        // Travel 엔티티 생성
+        Travel travel = Travel.builder()
+                .travelName(requestDto.getTravelName())
+                .travelStartDate(LocalDate.parse(requestDto.getTravelStartDate()))
+                .travelEndDate(LocalDate.parse(requestDto.getTravelEndDate()))
+                .isDomesticTravel(requestDto.isDomesticTravel())
+                .settlementStatus(SettlementStatus.PENDING)
+                .inviteCode(inviteCode)
+                .mainImage(null)
+                .build();
+
+        System.out.println("여행 데이터" + travel);
+        Travel savedTravel = travelRepository.save(travel);  // Travel 엔티티 저장
+
+        // TravelMember 엔티티 생성 (생성자를 Travel의 Captain으로 추가)
+        TravelMember travelMember = TravelMember.builder()
+                .travel(savedTravel)
+                .user(userRepository.findById(userId)
+                        .orElseThrow(() -> new CustomException(AuthErrorCode.USER_NOT_FOUND))) // 유저 검증
+                .isCaptain(true) // Captain 역할로 지정
+                .build();
+
+        travelMemberRepository.save(travelMember); // TravelMember 엔티티 저장
+
+        // 해외 여행일 경우, 선택된 나라들에 대해 유효성 검증 후 TravelCountry 엔티티 생성
+        // TravelCountry 리스트를 빈 리스트로 초기화
+        List<TravelCountry> travelCountries = List.of();
+        if (!requestDto.isDomesticTravel()) {
+            travelCountries = requestDto.getTravelCountries().stream()
+                    .map(countryName -> {
+                        // Country enum에 존재하는지 검증
+                        Country country = Country.findByName(countryName);
+                        return TravelCountry.builder()
+                                .country(country)
+                                .travel(savedTravel)
+                                .build();
+                    })
+                    .collect(Collectors.toList());
+
+            // TravelCountry 엔티티 저장
+            travelCountryRepository.saveAll(travelCountries);
+        }
+
+        // ResponseDto 생성 및 반환
+        TravelResponse travelResponseDto = TravelResponse.from(savedTravel, travelCountries);
+
+        return travelResponseDto;
+    }
+
+    @Override
+    public void editTravel(TravelRequest requestDto, Long travelId){
+        Travel travel = travelRepository.findById(travelId)
+                .orElseThrow(() -> new IllegalArgumentException("Travel not found with ID : " + travelId));
+
+        travel.updateTravel(requestDto.getTravelName(),
+                LocalDate.parse(requestDto.getTravelStartDate()),
+                LocalDate.parse(requestDto.getTravelEndDate()),
+                requestDto.isDomesticTravel());
+
+        travelCountryRepository.deleteByTravel(travel);
+
+        if(!requestDto.isDomesticTravel()){
+
+            List<TravelCountry> updatedTravelCountries = requestDto.getTravelCountries().stream()
+                    .map(countryName -> {
+                        Country country = Country.findByName(countryName);
+                        return  TravelCountry.builder().country(country).travel(travel).build();
+                    }).toList();
+
+            travelCountryRepository.saveAll(updatedTravelCountries);
+        }
+    }
+
+    @Override
+    public InviteCodeSignUpResponse signUpTravel(InviteCodeSignUpRequest requestDto,Long userId){
+        String inviteCode = requestDto.getInviteCode();
+
+        Travel travel = travelRepository.findByInviteCode(inviteCode).
+                orElseThrow(() -> new CustomException(TravelErrorCode.TRAVEL_INVITECODE_NOT));
+
+        Long travelId = travel.getId();
+        int curMemberCount = travelMemberRepository.countByTravelId(travelId);
+
+
+        if(curMemberCount >= 10){
+            throw new CustomException(TravelErrorCode.TRAVEL_MEMBER_LIMIT);
+        }
+
+        boolean userAlreadyMember = travelMemberRepository.existsByTravelIdAndUserId(travelId, userId);
+        User user = userRepository.findById(userId)
+                .orElseThrow(() -> new CustomException(AuthErrorCode.USER_NOT_FOUND));
+
+        if (userAlreadyMember) {
+            throw new CustomException(TravelErrorCode.TRAVEL_USER_ALREADY_MEMBER);
+        }
+
+        // 기존의 여행 멤버 리스트
+        List<TravelMember> travelMembers = travelMemberRepository.findAllByTravelId(travelId);
+
+        TravelMember newMember = TravelMember.builder()
+                .travel(travel)
+                .user(user)
+                .isCaptain(false)       // 초대한 사람은 Captain이 아님
+                .build();
+
+
+        travelMemberRepository.save(newMember);
+
+        // 현재 공동지출내역 참여 멤버로 추가
+        List<SharedPayment> sharedPayments = sharedPaymentRepository.findAllByTravelId(travelId);
+        // PaymentParticipatedMember가 연관관계의 주인
+        List<PaymentParticipatedMember> participatedMembers = sharedPayments.stream()
+                .map(sharedPayment -> {
+                    // 참여자 수 증가
+                    sharedPayment.updateParticipantCount(sharedPayment.getParticipantCount() + 1);
+
+                    return PaymentParticipatedMember.builder()
+                            .travelMember(newMember)
+                            .sharedPayment(sharedPayment)
+                            .build();
+                })
+                .collect(Collectors.toList());
+
+        // PaymentParticipatedMember 저장
+        paymentParticipatedMemberRepository.saveAll(participatedMembers);
+
+        // 기존의 여행 멤버에게 알림 전송
+        travelMembers.forEach(travelMember ->
+                saveLog(travel, travelMember.getUser(), user, LogTitle.TRAVEL_MEMBER_ADDED));
+
+        return InviteCodeSignUpResponse.builder()
+                .travelId(travelId)
+                .build();
+    }
+
+    private SettlementRequestLog saveLog(Travel travel, User user, User addedUser,
+                                         LogTitle logTitle) {
+
+        String logMessage = logTitle.getMessage(addedUser.getName(), travel.getTravelName());
+        String link = logTitle.getLinkPattern(travel.getId());
+
+        SettlementRequestLog log = settlementRequestLogRepository.save(
+                SettlementRequestLog.builder()
+                        .travel(travel)
+                        .user(user)
+                        .logTitle(logTitle)
+                        .logMessage(logMessage)
+                        .link(link)
+                        .build());
+
+        sendNotification(log);
+
+        return log;
+    }
+
+    private void sendNotification(SettlementRequestLog settlementRequestLog) {
+        String userId = String.valueOf(settlementRequestLog.getUser().getId());
+
+        // 수신자에 연결된 모든 SseEmitter 객체를 가져옴
+        Map<String, SseEmitter> emitters =
+                emitterRepository.findAllEmitterStartWithByUserId(userId);
+
+        // eventId 생성
+        String eventId = userId + "_" + System.currentTimeMillis();
+
+        // emitter를 순환하며 각 SseEmitter 객체에 알림 전송
+        emitters.forEach(
+                (key, sseEmitter) -> {
+                    Map<String, String> eventData = new HashMap<>();
+                    eventData.put("title", settlementRequestLog.getLogTitle().getTitle()); // 로그 타이틀 (ex. 정산 요청)
+                    eventData.put("message", settlementRequestLog.getLogMessage()); // 로그 메시지
+                    eventData.put("link", settlementRequestLog.getLink()); // 이동 링크
+                    emitterRepository.saveEventCache(key, eventData);
+                    try {
+                        sseEmitter.send(SseEmitter.event().id(eventId).name("message").data(eventData));
+                    } catch (IOException e) {
+                        emitterRepository.deleteById(key);
+                    }
+                }
+        );
+    }
+
+    @Override
+    public TravelHomeResponse getTravel(Long travelId, Long userId) {
+        // Aspect에서 이미 검증했으므로 Travel은 반드시 존재
+        Travel travel = travelRepository.findById(travelId).get();
+        TravelMember travelMember = travelMemberRepository.findByTravelIdAndUserId(travelId, userId)
+                .orElseThrow(() -> new CustomException(TravelErrorCode.TRAVEL_ACCESS_FORBIDDEN));
+        Map<String, Double> statistics = calculateStatistics(travelId);
+        return TravelHomeResponse.of(travel, travelMember, statistics);
+    }
+
+    private Map<String, Double> calculateStatistics(Long travelId) {
+        // 지출 데이터 조회
+        List<SharedPayment> expenses = sharedPaymentRepository.findAllByTravelId(travelId);
+
+        // 총 지출액 계산
+        double totalAmount = expenses.stream()
+                .mapToDouble(SharedPayment::getPaymentAmount)
+                .sum();
+
+        // 카테고리별 비율 계산
+        return expenses.stream()
+                .collect(Collectors.groupingBy(
+                        payment -> payment.getCategory().getDescription(),
+                        Collectors.collectingAndThen(
+                                Collectors.summingDouble(SharedPayment::getPaymentAmount),
+                                amount -> Math.round((amount / totalAmount) * 1000.0) / 10.0  // 소수점 첫째자리까지 반올림
+                        )
+                ));
+    }
+
+
+    @Override
+    public InviteCodeGetResponse getInviteCode(Long travelId){
+        Travel travel = travelRepository.findById(travelId).orElseThrow(() -> new CustomException(TravelErrorCode.TRAVEL_NOT_FOUND));
+
+        return new InviteCodeGetResponse(travel.getInviteCode());
+    }
+
+    //   user의 여행 목록 리스트 조회
+    @Override
+    public List<TravelListResponse> getTravelList(Long userId) {
+
+        // 여행 멤버 테이블에서 유저 id가 속한 여행 id 조회
+        List<TravelMember> travelMembers = travelMemberRepository.findAllByUserId(userId);
+
+        return travelMembers.stream()
+            .map(travelMember -> {
+                Travel travel = travelMember.getTravel();
+
+                // 특정 여행에 속한 모든 멤버 조회
+                List<TravelMember> members = travelMemberRepository.findAllByTravelId(travel.getId());
+
+                // 캡틴 멤버 필터링 및 프로필 이미지 추출
+                int profileImage = members.stream()
+                    .filter(TravelMember::isCaptain)
+                    .map(captain -> captain.getUser().getProfileImage())
+                    .findFirst()
+                    .orElseThrow(() -> new CustomException(TravelErrorCode.TRAVEL_CAPTAIN_NOT_FOUND));
+
+                // 특정 여행에 속한 모든 국가 조회
+                List<TravelCountry> travelCountries = travelCountryRepository.findByTravelId(travel.getId());
+
+                // TravelListResponse 생성
+                return TravelListResponse.from(travel, travelCountries, profileImage);
+            }).toList();
+
+    }
+
+
+
+    //   연결한 계좌 및 위비 카드 발급 했는지 안했는 지 여부
+    @Override
+    public void postConnectedAccount(CardCompletedRequest request,Long userId){
+        User user = userRepository.findById(userId)
+                .orElseThrow(() -> new CustomException(AuthErrorCode.USER_NOT_FOUND));
+        // 카드 발급 x , 연결계좌 0
+        if(!request.isWibeeCard()){
+            Account account = accountRepository.findById(request.getAccountId())
+                    .orElseThrow(() -> new CustomException(BankingErrorCode.ACCOUNT_NOT_FOUND));
+
+            user.updateConnectedAccount(account);
+        }
+
+        // 카드 발급 0 , 연결계좌 0
+        if (request.isWibeeCard()) {
+            Account account = accountRepository.findById(request.getAccountId())
+                    .orElseThrow(() -> new CustomException(BankingErrorCode.ACCOUNT_NOT_FOUND));
+
+            account.updatedAccount(request.isWibeeCard());
+            user.updateConnectedAccount(account);
+            user.updateWibeeCardAccount(account);
+        }
+
+    }
+
+    @Override
+    public AccountConnectedWibeeResponse getConnectedWibee(Long userId){
+        User user = userRepository.findById(userId)
+                .orElseThrow(() -> new CustomException(AuthErrorCode.USER_NOT_FOUND));
+        boolean isConnected = user.getWibeeCardAccount() != null;
+        return new AccountConnectedWibeeResponse(isConnected);
+    }
+
+    @Override
+    public void changeMainImage(Long travelId, MultipartFile image) {
+        // 여행 정보 찾아오기
+        Travel travel = travelRepository.findById(travelId)
+                .orElseThrow(() -> new CustomException(TravelErrorCode.TRAVEL_NOT_FOUND));
+
+        // 이미지 추가, 수정, 삭제
+        if(image != null && image.getSize() != 0) {
+            // 이미지 저장할 S3 디렉토리 정보
+            String dirName = TRAVEL_IMAGE_DIR + travelId;
+            try {
+                String newImage = s3Uploader.upload(image, dirName);
+                travel.updateMainImage(newImage);
+            } catch (IOException e) {
+                throw new CustomException(ValidationErrorCode.IMAGE_PROCESSING_FAILED);
+            }
+        }
+    }
+}
diff --git a/src/test/java/withbeetravel/controller/settlement/SettlementControllerTest.java b/src/test/java/withbeetravel/controller/settlement/SettlementControllerTest.java
new file mode 100644
index 00000000..73bb4dce
--- /dev/null
+++ b/src/test/java/withbeetravel/controller/settlement/SettlementControllerTest.java
@@ -0,0 +1,64 @@
+package withbeetravel.controller.settlement;
+
+import io.restassured.http.ContentType;
+import org.junit.jupiter.api.Test;
+import org.springframework.http.HttpStatus;
+import withbeetravel.support.BaseIntegrationTest;
+
+import static io.restassured.RestAssured.given;
+import static org.apache.http.HttpHeaders.AUTHORIZATION;
+
+class SettlementControllerTest extends BaseIntegrationTest {
+
+    @Test
+    void 정산을_요청한다() {
+        given().log().all()
+                .header(AUTHORIZATION, "Bearer " + accessToken)
+                .contentType(ContentType.JSON)
+                .when()
+                .post("/api/travels/1/settlements")
+                .then()
+                .log()
+                .all()
+                .statusCode(HttpStatus.OK.value());
+    }
+
+    @Test
+    void 정산을_동의한다() {
+        given().log().all()
+                .header(AUTHORIZATION, "Bearer " + accessToken)
+                .contentType(ContentType.JSON)
+                .when()
+                .post("/api/travels/1/settlements/agreement")
+                .then()
+                .log()
+                .all()
+                .statusCode(HttpStatus.OK.value());
+    }
+
+    @Test
+    void 정산을_취소한다() {
+        given().log().all()
+                .header(AUTHORIZATION, "Bearer " + accessToken)
+                .contentType(ContentType.JSON)
+                .when()
+                .delete("/api/travels/1/settlements")
+                .then()
+                .log()
+                .all()
+                .statusCode(HttpStatus.OK.value());
+    }
+
+    @Test
+    void 세부지출내역을_조회한다() {
+        given().log().all()
+                .header(AUTHORIZATION, "Bearer " + accessToken)
+                .contentType(ContentType.JSON)
+                .when()
+                .get("/api/travels/1/settlements")
+                .then()
+                .log()
+                .all()
+                .statusCode(HttpStatus.OK.value());
+    }
+}
diff --git a/src/test/java/withbeetravel/service/auth/AuthServiceTest.java b/src/test/java/withbeetravel/service/auth/AuthServiceTest.java
new file mode 100644
index 00000000..d4ff4134
--- /dev/null
+++ b/src/test/java/withbeetravel/service/auth/AuthServiceTest.java
@@ -0,0 +1,90 @@
+package withbeetravel.service.auth;
+
+import org.junit.jupiter.api.Test;
+import org.junit.jupiter.api.extension.ExtendWith;
+import org.mockito.InjectMocks;
+import org.mockito.Mock;
+import org.mockito.junit.jupiter.MockitoExtension;
+import org.springframework.security.crypto.bcrypt.BCryptPasswordEncoder;
+import withbeetravel.domain.Account;
+import withbeetravel.domain.User;
+import withbeetravel.dto.request.auth.SignUpRequest;
+import withbeetravel.dto.response.auth.MyPageResponse;
+import withbeetravel.exception.CustomException;
+import withbeetravel.exception.error.AuthErrorCode;
+import withbeetravel.jwt.JwtUtil;
+import withbeetravel.repository.LoginLogRepository;
+import withbeetravel.repository.RefreshTokenRepository;
+import withbeetravel.repository.UserRepository;
+import withbeetravel.service.loginLog.LoginLogServiceImpl;
+import withbeetravel.support.AccountFixture;
+import withbeetravel.support.UserFixture;
+
+import java.util.Optional;
+
+import static org.junit.jupiter.api.Assertions.*;
+import static org.mockito.ArgumentMatchers.any;
+import static org.mockito.ArgumentMatchers.eq;
+import static org.mockito.BDDMockito.given;
+import static org.mockito.Mockito.times;
+import static org.mockito.Mockito.verify;
+
+@ExtendWith(MockitoExtension.class)
+class AuthServiceTest {
+
+    @Mock private UserRepository userRepository;
+    @Mock private BCryptPasswordEncoder bCryptPasswordEncoder;
+    @Mock private JwtUtil jwtUtil;
+    @Mock private RefreshTokenRepository refreshTokenRepository;
+    @Mock private LoginLogRepository loginLogRepository;
+    @Mock private LoginLogServiceImpl loginLogService;
+    @InjectMocks private AuthServiceImpl authService;
+
+    @Test
+    void 사용자_정보를_정상적으로_가져올_수_있다() {
+        User user = UserFixture.builder().id(1L).build();
+        Account account = AccountFixture.builder().user(user).isConnectedWibeeCard(true).build();
+
+        user.updateConnectedAccount(account);
+        user.updateWibeeCardAccount(account);
+
+        // given
+        given(userRepository.findById(user.getId())).willReturn(Optional.of(user));
+
+        // when
+        MyPageResponse response = authService.getMyPageInfo(user.getId());
+
+        // then
+        assertAll(
+                () -> assertNotNull(response),
+                () -> assertEquals(1, response.getProfileImage()),
+                () -> assertEquals("홍길동", response.getUsername()),
+                () -> assertEquals("WON통장", response.getAccountProduct()),
+                () -> assertEquals("1111111111111", response.getAccountNumber())
+        );
+    }
+
+    @Test
+    void 존재하지_않는_사용자_ID에_대한_예외를_발생시킨다() {
+        // given
+        Long userId = 1L;
+        given(userRepository.findById(userId)).willReturn(Optional.empty());
+
+        // when & then
+        CustomException exception = assertThrows(CustomException.class, () -> authService.getMyPageInfo(userId));
+        assertEquals(AuthErrorCode.USER_NOT_FOUND, exception.getErrorCode());
+    }
+
+    @Test
+    void 회원가입을_할_수_있다() {
+        SignUpRequest signUpRequest = new SignUpRequest(
+                "1234@naver.com", "password123!", "123456", "공예진");
+
+        given(userRepository.existsByEmail(signUpRequest.getEmail())).willReturn(false);
+
+        authService.signUp(signUpRequest);
+        verify(userRepository, times(1)).save(any(User.class));
+        verify(loginLogService, times(1))
+                .logRegister(any(User.class), eq(signUpRequest.getEmail()));
+    }
+}
\ No newline at end of file
diff --git a/src/test/java/withbeetravel/service/payment/SharedPaymentParticipantServiceTest.java b/src/test/java/withbeetravel/service/payment/SharedPaymentParticipantServiceTest.java
new file mode 100644
index 00000000..eb316330
--- /dev/null
+++ b/src/test/java/withbeetravel/service/payment/SharedPaymentParticipantServiceTest.java
@@ -0,0 +1,137 @@
+package withbeetravel.service.payment;
+
+import org.junit.jupiter.api.Test;
+import org.junit.jupiter.api.extension.ExtendWith;
+import org.mockito.ArgumentCaptor;
+import org.mockito.InjectMocks;
+import org.mockito.Mock;
+import org.mockito.junit.jupiter.MockitoExtension;
+import withbeetravel.domain.*;
+import withbeetravel.dto.request.payment.SharedPaymentParticipateRequest;
+import withbeetravel.exception.CustomException;
+import withbeetravel.exception.error.PaymentErrorCode;
+import withbeetravel.repository.PaymentParticipatedMemberRepository;
+import withbeetravel.repository.SharedPaymentRepository;
+import withbeetravel.repository.TravelMemberRepository;
+import withbeetravel.support.SharedPaymentFixture;
+import withbeetravel.support.TravelFixture;
+import withbeetravel.support.UserFixture;
+
+import java.util.Arrays;
+import java.util.List;
+import java.util.Optional;
+
+import static org.junit.jupiter.api.Assertions.*;
+import static org.mockito.ArgumentMatchers.any;
+import static org.mockito.BDDMockito.given;
+import static org.mockito.Mockito.times;
+import static org.mockito.Mockito.verify;
+
+@ExtendWith(MockitoExtension.class)
+class SharedPaymentParticipantServiceTest {
+
+    @Mock private TravelMemberRepository travelMemberRepository;
+    @Mock private SharedPaymentRepository sharedPaymentRepository;
+    @Mock private PaymentParticipatedMemberRepository paymentParticipatedMemberRepository;
+
+    @InjectMocks private SharedPaymentParticipantServiceImpl service;
+
+    @Test
+    void 정산_참여_멤버를_정상적으로_변경할_수_있다() {
+
+        // Given
+        User user1 = UserFixture.builder().id(1L).build();
+        User user2 = UserFixture.builder().id(2L).build();
+        User user3 = UserFixture.builder().id(3L).build();
+
+        Long travelId = 1L;
+        Travel travel = TravelFixture.builder().id(travelId).build();
+
+        List<TravelMember> travelMembers = Arrays.asList(
+                TravelMember.builder().id(1L).travel(travel).user(user1).isCaptain(true).build(),
+                TravelMember.builder().id(2L).travel(travel).user(user2).isCaptain(false).build(),
+                TravelMember.builder().id(3L).travel(travel).user(user3).isCaptain(false).build()
+        );
+
+        Long sharedPaymentId = 1L;
+        SharedPayment sharedPayment = SharedPaymentFixture.builder()
+                .id(sharedPaymentId)
+                .addedByMember(travelMembers.get(0))
+                .travel(travel)
+                .participantCount(2)
+                .build();
+
+        List<PaymentParticipatedMember> existingParticipants = Arrays.asList(
+                PaymentParticipatedMember.builder()
+                        .id(1L)
+                        .travelMember(travelMembers.get(0))
+                        .sharedPayment(sharedPayment)
+                        .build(),
+                PaymentParticipatedMember.builder()
+                        .id(2L)
+                        .travelMember(travelMembers.get(1))
+                        .sharedPayment(sharedPayment)
+                        .build()
+        );
+
+        List<Long> newParticipantIds = Arrays.asList(1L, 3L);
+        SharedPaymentParticipateRequest request = new SharedPaymentParticipateRequest(newParticipantIds);
+
+        given(travelMemberRepository.findAllByTravelId(travelId)).willReturn(travelMembers);
+        given(sharedPaymentRepository.findById(sharedPaymentId)).willReturn(Optional.of(sharedPayment));
+        given(paymentParticipatedMemberRepository.findAllBySharedPaymentId(sharedPaymentId))
+                .willReturn(existingParticipants);
+
+        // When
+        service.updateParticipantMembers(travelId, sharedPaymentId, request);
+
+        // Then
+        assertEquals(2, sharedPayment.getParticipantCount(), "참여 멤버 수가 올바르게 업데이트되지 않았습니다.");
+
+        // 저장된 참여 멤버 검증
+        ArgumentCaptor<PaymentParticipatedMember> captor = ArgumentCaptor.forClass(PaymentParticipatedMember.class);
+        verify(paymentParticipatedMemberRepository, times(1)).save(captor.capture());
+
+        List<PaymentParticipatedMember> savedMembers = captor.getAllValues();
+        List<Long> savedMemberIds = savedMembers.stream()
+                .map(member -> member.getTravelMember().getId())
+                .toList();
+
+        assertEquals(1, savedMemberIds.size(), "참여 멤버에 새로 저장된 수가 일치하지 않습니다.");
+        assertTrue(savedMemberIds.containsAll(Arrays.asList(3L)), "새로 저장된 멤버가 예상과 다릅니다.");
+
+        // 삭제된 참여 멤버 검증
+        verify(paymentParticipatedMemberRepository, times(1)).delete(any(PaymentParticipatedMember.class));
+        ArgumentCaptor<PaymentParticipatedMember> deleteCaptor = ArgumentCaptor.forClass(PaymentParticipatedMember.class);
+        verify(paymentParticipatedMemberRepository).delete(deleteCaptor.capture());
+        assertEquals(2L, deleteCaptor.getValue().getTravelMember().getId(), "삭제된 멤버가 예상과 다릅니다.");
+    }
+
+    @Test
+    void 여행_멤버가_아닌_사용자가_포함되어_있을_경우_예외를_발생시킨다() {
+        // Given
+        User user1 = UserFixture.builder().id(1L).build();
+        User user2 = UserFixture.builder().id(2L).build();
+
+        Long travelId = 1L;
+        Travel travel = TravelFixture.builder().id(travelId).build();
+
+        List<TravelMember> travelMembers = Arrays.asList(
+                TravelMember.builder().id(1L).travel(travel).user(user1).isCaptain(true).build(),
+                TravelMember.builder().id(2L).travel(travel).user(user2).isCaptain(false).build()
+        );
+
+        List<Long> invalidParticipantIds = Arrays.asList(1L, 3L); // 3L은 여행 멤버에 포함되지 않음
+        SharedPaymentParticipateRequest request = new SharedPaymentParticipateRequest(invalidParticipantIds);
+
+        given(travelMemberRepository.findAllByTravelId(travelId)).willReturn(travelMembers);
+
+        // When & Then
+        CustomException exception = assertThrows(
+                CustomException.class,
+                () -> service.updateParticipantMembers(travelId, 1L, request)
+        );
+
+        assertEquals(PaymentErrorCode.NON_TRAVEL_MEMBER_INCLUDED, exception.getErrorCode());
+    }
+}
\ No newline at end of file
diff --git a/src/test/java/withbeetravel/service/payment/SharedPaymentRecordServiceTest.java b/src/test/java/withbeetravel/service/payment/SharedPaymentRecordServiceTest.java
new file mode 100644
index 00000000..248b2f01
--- /dev/null
+++ b/src/test/java/withbeetravel/service/payment/SharedPaymentRecordServiceTest.java
@@ -0,0 +1,201 @@
+package withbeetravel.service.payment;
+
+import org.junit.jupiter.api.Test;
+import org.junit.jupiter.api.extension.ExtendWith;
+import org.mockito.InjectMocks;
+import org.mockito.Mock;
+import org.mockito.junit.jupiter.MockitoExtension;
+import org.springframework.web.multipart.MultipartFile;
+import withbeetravel.domain.SharedPayment;
+import withbeetravel.domain.Travel;
+import withbeetravel.dto.response.payment.SharedPaymentRecordResponse;
+import withbeetravel.exception.CustomException;
+import withbeetravel.exception.error.ValidationErrorCode;
+import withbeetravel.repository.SharedPaymentRepository;
+import withbeetravel.repository.TravelRepository;
+import withbeetravel.service.global.S3Uploader;
+import withbeetravel.support.SharedPaymentFixture;
+import withbeetravel.support.TravelFixture;
+
+import java.io.IOException;
+import java.util.Optional;
+
+import static org.junit.jupiter.api.Assertions.*;
+import static org.mockito.BDDMockito.given;
+import static org.mockito.Mockito.verify;
+
+@ExtendWith(MockitoExtension.class)
+class SharedPaymentRecordServiceTest {
+
+    @Mock private S3Uploader s3Uploader;
+    @Mock private TravelRepository travelRepository;
+    @Mock private SharedPaymentRepository sharedPaymentRepository;
+    @Mock private MultipartFile image;
+
+    @InjectMocks private SharedPaymentRecordServiceImpl service;
+
+    @Test
+    void 이미지_업로드_및_메인_이미지_수정_성공() throws IOException {
+        // Given
+        Long travelId = 1L;
+        Long sharedPaymentId = 1L;
+        String newImageUrl = "https://s3.amazonaws.com/shared-payments/travel-1/image.png";
+        String comment = "테스트";
+        boolean isMainImage = true;
+
+        Travel travel = TravelFixture.builder()
+                .id(travelId)
+                .build();
+
+        SharedPayment sharedPayment = SharedPaymentFixture.builder()
+                .id(sharedPaymentId)
+                .travel(travel)
+                .build();
+
+        given(sharedPaymentRepository.findById(sharedPaymentId)).willReturn(Optional.of(sharedPayment));
+        given(travelRepository.findById(travelId)).willReturn(Optional.of(travel));
+
+        given(image.getSize()).willReturn(100L);
+
+        // Mocking the upload method
+        given(s3Uploader.upload(image, "shared-payments/" + travelId)).willReturn(newImageUrl);
+
+        // When
+        service.addAndUpdatePaymentRecord(travelId, sharedPaymentId, image, comment, isMainImage);
+
+        // Then
+        verify(sharedPaymentRepository).findById(sharedPaymentId);
+        verify(travelRepository).findById(travelId);
+        verify(s3Uploader).upload(image, "shared-payments/" + travelId);
+        assertEquals(newImageUrl, sharedPayment.getPaymentImage());
+        assertEquals(newImageUrl, travel.getMainImage());
+        assertEquals(comment, sharedPayment.getPaymentComment());
+    }
+
+    @Test
+    void 기존_이미지를_메인_이미지로_설정_성공() {
+        // Given
+        Long travelId = 1L;
+        Long sharedPaymentId = 1L;
+        String existingImageUrl = "https://s3.amazonaws.com/shared-payments/travel-1/old-image.png";
+        String comment = "Updated payment comment";
+        boolean isMainImage = true;
+
+        Travel travel = TravelFixture.builder()
+                .id(travelId)
+                .build();
+
+        SharedPayment sharedPayment = SharedPaymentFixture.builder()
+                .id(sharedPaymentId)
+                .travel(travel)
+                .paymentImage(existingImageUrl)
+                .build();
+
+        given(sharedPaymentRepository.findById(sharedPaymentId)).willReturn(Optional.of(sharedPayment));
+        given(travelRepository.findById(travelId)).willReturn(Optional.of(travel));
+
+        // When
+        service.addAndUpdatePaymentRecord(travelId, sharedPaymentId, null, comment, isMainImage);
+
+        // Then
+        verify(sharedPaymentRepository).findById(sharedPaymentId);
+        verify(travelRepository).findById(travelId);
+        assertEquals(existingImageUrl, travel.getMainImage());
+        assertEquals(comment, sharedPayment.getPaymentComment());
+    }
+
+    @Test
+    void 이미지_업로드_실패시_예외_발생() throws IOException {
+        // Given
+        Long travelId = 1L;
+        Long sharedPaymentId = 1L;
+
+        Travel travel = TravelFixture.builder()
+                .id(travelId)
+                .build();
+
+        SharedPayment sharedPayment = SharedPaymentFixture.builder()
+                .id(sharedPaymentId)
+                .travel(travel)
+                .build();
+
+        given(sharedPaymentRepository.findById(sharedPaymentId)).willReturn(Optional.of(sharedPayment));
+        given(travelRepository.findById(travelId)).willReturn(Optional.of(travel));
+        given(image.getSize()).willReturn(100L);
+        given(s3Uploader.upload(image, "shared-payments/" + travelId)).willThrow(IOException.class);
+
+        // When & Then
+        CustomException exception = assertThrows(
+                CustomException.class,
+                () -> service.addAndUpdatePaymentRecord(travelId, sharedPaymentId, image, "Comment", false)
+        );
+
+        assertEquals(ValidationErrorCode.IMAGE_PROCESSING_FAILED, exception.getErrorCode());
+        verify(sharedPaymentRepository).findById(sharedPaymentId);
+        verify(travelRepository).findById(travelId);
+    }
+
+    @Test
+    void 메인_이미지로_사용하는_이미지를_포함한_여행_기록_가져오기 () {
+        // Given
+        Long sharedPaymentId = 1L;
+        Long travelId = 1L;
+        String imageUrl = "imageUrl";
+
+        Travel travel = TravelFixture.builder()
+                .id(travelId)
+                .mainImage(imageUrl)
+                .build();
+
+        SharedPayment sharedPayment = SharedPaymentFixture.builder()
+                .id(sharedPaymentId)
+                .travel(travel)
+                .paymentImage(imageUrl)
+                .build();
+
+        // Mocking Repository에서 엔티티 반환
+        given(sharedPaymentRepository.findById(sharedPaymentId)).willReturn(Optional.of(sharedPayment));
+
+        // When
+        SharedPaymentRecordResponse response = service.getSharedPaymentRecord(sharedPaymentId);
+
+        // Then
+        assertNotNull(response);
+        assertEquals("imageUrl", response.getPaymentImage());
+        assertTrue(response.isMainImage());
+
+        verify(sharedPaymentRepository).findById(sharedPaymentId);
+    }
+
+    @Test
+    void 메인_이미지로_사용하지_않는_이미지를_포함한_여행_기록_가져오기 () {
+        // Given
+        Long sharedPaymentId = 1L;
+        Long travelId = 1L;
+        String imageUrl = "imageUrl";
+
+        Travel travel = TravelFixture.builder()
+                .id(travelId)
+                .build();
+
+        SharedPayment sharedPayment = SharedPaymentFixture.builder()
+                .id(sharedPaymentId)
+                .travel(travel)
+                .paymentImage(imageUrl)
+                .build();
+
+        // Mocking Repository에서 엔티티 반환
+        given(sharedPaymentRepository.findById(sharedPaymentId)).willReturn(Optional.of(sharedPayment));
+
+        // When
+        SharedPaymentRecordResponse response = service.getSharedPaymentRecord(sharedPaymentId);
+
+        // Then
+        assertNotNull(response);
+        assertEquals("imageUrl", response.getPaymentImage());
+        assertFalse(response.isMainImage());
+
+        // Repository 메소드가 호출된 것을 검증
+        verify(sharedPaymentRepository).findById(sharedPaymentId);
+    }
+}
\ No newline at end of file
diff --git a/src/test/java/withbeetravel/service/payment/SharedPaymentRegisterServiceTest.java b/src/test/java/withbeetravel/service/payment/SharedPaymentRegisterServiceTest.java
new file mode 100644
index 00000000..1bd80bd2
--- /dev/null
+++ b/src/test/java/withbeetravel/service/payment/SharedPaymentRegisterServiceTest.java
@@ -0,0 +1,481 @@
+package withbeetravel.service.payment;
+
+import org.junit.jupiter.api.Test;
+import org.junit.jupiter.api.extension.ExtendWith;
+import org.mockito.InjectMocks;
+import org.mockito.Mock;
+import org.mockito.junit.jupiter.MockitoExtension;
+import org.springframework.web.multipart.MultipartFile;
+import withbeetravel.domain.*;
+import withbeetravel.exception.CustomException;
+import withbeetravel.exception.error.ValidationErrorCode;
+import withbeetravel.repository.*;
+import withbeetravel.service.global.S3Uploader;
+import withbeetravel.support.TravelFixture;
+import withbeetravel.support.UserFixture;
+
+import java.io.IOException;
+import java.util.Arrays;
+import java.util.List;
+import java.util.Optional;
+
+import static org.junit.jupiter.api.Assertions.*;
+import static org.mockito.ArgumentMatchers.any;
+import static org.mockito.BDDMockito.given;
+import static org.mockito.Mockito.*;
+
+@ExtendWith(MockitoExtension.class)
+class SharedPaymentRegisterServiceTest {
+
+    @Mock private TravelRepository travelRepository;
+    @Mock private TravelMemberRepository travelMemberRepository;
+    @Mock private SharedPaymentRepository sharedPaymentRepository;
+    @Mock private PaymentParticipatedMemberRepository paymentParticipatedMemberRepository;
+    @Mock private UserRepository userRepository;
+    @Mock private HistoryRepository historyRepository;
+    @Mock private TravelCountryRepository travelCountryRepository;
+    @Mock private SharedPaymentCategoryClassificationService sharedPaymentCategoryClassificationService;
+    @Mock private S3Uploader s3Uploader;
+    @Mock private MultipartFile paymentImage;
+    @Mock private MultipartFile image;
+
+    @InjectMocks private SharedPaymentRegisterServiceImpl sharedPaymentRegisterService;
+
+    @Test
+    void 원화_결제_내역이_성공적으로_추가된다() {
+        // Given
+        Long userId = 1L;
+        Long travelId = 1L;
+
+        User user1 = UserFixture.builder().id(userId).build();
+        User user2 = UserFixture.builder().id(2L).build();
+        User user3 = UserFixture.builder().id(3L).build();
+
+        Travel travel = TravelFixture.builder()
+                .id(travelId)
+                .build();
+
+        TravelMember travelMember1 = TravelMember.builder()
+                        .id(1L)
+                        .travel(travel)
+                        .user(user1)
+                        .isCaptain(true)
+                        .build();
+        TravelMember travelMember2 = TravelMember.builder()
+                .id(2L)
+                .travel(travel)
+                .user(user2)
+                .isCaptain(false)
+                .build();
+        TravelMember travelMember3 = TravelMember.builder()
+                .id(3L)
+                .travel(travel)
+                .user(user3)
+                .isCaptain(false)
+                .build();
+        List<TravelMember> travelMembers = Arrays.asList(travelMember1, travelMember2, travelMember3);
+
+        given(travelRepository.findById(travelId)).willReturn(Optional.of(travel));
+        given(travelMemberRepository.findByTravelIdAndUserId(travelId, userId)).willReturn(Optional.of(travelMember1));
+        given(travelMemberRepository.findAllByTravelId(travelId)).willReturn(travelMembers);
+
+       // When
+        sharedPaymentRegisterService.addManualSharedPayment(
+                userId,
+                travelId,
+                "2024-12-06 20:04",
+                "명수네 떡볶이",
+                15000,
+                null,
+                "KRW",
+                null,
+                null,
+                null,
+                false
+        );
+
+        // Then
+        verify(travelRepository).findById(travelId);
+        verify(travelMemberRepository).findByTravelIdAndUserId(travelId, userId);
+        verify(travelMemberRepository).findAllByTravelId(travelId);
+        verify(sharedPaymentRepository).save(any(SharedPayment.class));
+        verify(paymentParticipatedMemberRepository, times(3)).save(any(PaymentParticipatedMember.class));
+    }
+
+    @Test
+    void 외화_결제_내역이_성공적으로_추가된다() {
+        // Given
+        Long userId = 1L;
+        Long travelId = 1L;
+
+        User user1 = UserFixture.builder().id(userId).build();
+        User user2 = UserFixture.builder().id(2L).build();
+        User user3 = UserFixture.builder().id(3L).build();
+
+        Travel travel = TravelFixture.builder()
+                .id(travelId)
+                .build();
+
+        TravelMember travelMember1 = TravelMember.builder()
+                .id(1L)
+                .travel(travel)
+                .user(user1)
+                .isCaptain(true)
+                .build();
+        TravelMember travelMember2 = TravelMember.builder()
+                .id(2L)
+                .travel(travel)
+                .user(user2)
+                .isCaptain(false)
+                .build();
+        TravelMember travelMember3 = TravelMember.builder()
+                .id(3L)
+                .travel(travel)
+                .user(user3)
+                .isCaptain(false)
+                .build();
+        List<TravelMember> travelMembers = Arrays.asList(travelMember1, travelMember2, travelMember3);
+
+        given(travelRepository.findById(travelId)).willReturn(Optional.of(travel));
+        given(travelMemberRepository.findByTravelIdAndUserId(travelId, userId)).willReturn(Optional.of(travelMember1));
+        given(travelMemberRepository.findAllByTravelId(travelId)).willReturn(travelMembers);
+
+        // When
+        sharedPaymentRegisterService.addManualSharedPayment(
+                userId,
+                travelId,
+                "2024-12-06 20:04",
+                "명수네 떡볶이",
+                14000,
+                10.0,
+                "USD",
+                1400.0,
+                null,
+                null,
+                false
+        );
+
+        // Then
+        verify(travelRepository).findById(travelId);
+        verify(travelMemberRepository).findByTravelIdAndUserId(travelId, userId);
+        verify(travelMemberRepository).findAllByTravelId(travelId);
+        verify(sharedPaymentRepository).save(any(SharedPayment.class));
+        verify(paymentParticipatedMemberRepository, times(3)).save(any(PaymentParticipatedMember.class));
+    }
+
+    @Test
+    void 외화_결제_내역_추가에_실패한다() {
+        // Given
+        Long userId = 1L;
+        Long travelId = 1L;
+
+        User user1 = UserFixture.builder().id(userId).build();
+        User user2 = UserFixture.builder().id(2L).build();
+        User user3 = UserFixture.builder().id(3L).build();
+
+        Travel travel = TravelFixture.builder()
+                .id(travelId)
+                .build();
+
+        TravelMember travelMember1 = TravelMember.builder()
+                .id(1L)
+                .travel(travel)
+                .user(user1)
+                .isCaptain(true)
+                .build();
+        TravelMember travelMember2 = TravelMember.builder()
+                .id(2L)
+                .travel(travel)
+                .user(user2)
+                .isCaptain(false)
+                .build();
+        TravelMember travelMember3 = TravelMember.builder()
+                .id(3L)
+                .travel(travel)
+                .user(user3)
+                .isCaptain(false)
+                .build();
+        List<TravelMember> travelMembers = Arrays.asList(travelMember1, travelMember2, travelMember3);
+
+        given(travelRepository.findById(travelId)).willReturn(Optional.of(travel));
+        given(travelMemberRepository.findByTravelIdAndUserId(travelId, userId)).willReturn(Optional.of(travelMember1));
+
+        // When & Then
+        CustomException exception = assertThrows(
+                CustomException.class,
+                () -> sharedPaymentRegisterService.addManualSharedPayment(
+                        userId,
+                        travelId,
+                        "2024-12-06 20:04",
+                        "명수네 떡볶이",
+                        14000,
+                        10.0,
+                        "USD",
+                        null,
+                        null,
+                        null,
+                        false
+                )
+        );
+
+        assertEquals(ValidationErrorCode.MISSING_REQUIRED_FIELDS, exception.getErrorCode());
+
+        verify(travelRepository).findById(travelId);
+        verify(travelMemberRepository).findByTravelIdAndUserId(travelId, userId);
+    }
+
+    @Test
+    void 사진을_포함한_결제_내역이_성공적으로_추가된다() throws IOException {
+        // Given
+        Long userId = 1L;
+        Long travelId = 1L;
+        String newImageUrl = "https://s3.amazonaws.com/shared-payments/travel-1/image.png";
+        String comment = "테스트";
+
+        User user1 = UserFixture.builder().id(userId).build();
+        User user2 = UserFixture.builder().id(2L).build();
+        User user3 = UserFixture.builder().id(3L).build();
+
+        Travel travel = TravelFixture.builder()
+                .id(travelId)
+                .build();
+
+        TravelMember travelMember1 = TravelMember.builder()
+                .id(1L)
+                .travel(travel)
+                .user(user1)
+                .isCaptain(true)
+                .build();
+        TravelMember travelMember2 = TravelMember.builder()
+                .id(2L)
+                .travel(travel)
+                .user(user2)
+                .isCaptain(false)
+                .build();
+        TravelMember travelMember3 = TravelMember.builder()
+                .id(3L)
+                .travel(travel)
+                .user(user3)
+                .isCaptain(false)
+                .build();
+        List<TravelMember> travelMembers = Arrays.asList(travelMember1, travelMember2, travelMember3);
+
+        given(travelRepository.findById(travelId)).willReturn(Optional.of(travel));
+        given(travelMemberRepository.findByTravelIdAndUserId(travelId, userId)).willReturn(Optional.of(travelMember1));
+        given(image.getSize()).willReturn(100L);
+        given(s3Uploader.upload(image, "shared-payments/" + travelId)).willReturn(newImageUrl);
+        given(travelMemberRepository.findAllByTravelId(travelId)).willReturn(travelMembers);
+
+        // When
+        sharedPaymentRegisterService.addManualSharedPayment(
+                userId,
+                travelId,
+                "2024-12-06 20:04",
+                "명수네 떡볶이",
+                15000,
+                null,
+                "KRW",
+                null,
+                image,
+                comment,
+                false
+        );
+
+        // Then
+        verify(travelRepository).findById(travelId);
+        verify(travelMemberRepository).findByTravelIdAndUserId(travelId, userId);
+        verify(s3Uploader).upload(image, "shared-payments/" + travelId);
+        verify(travelMemberRepository).findAllByTravelId(travelId);
+        verify(sharedPaymentRepository).save(any(SharedPayment.class));
+        verify(paymentParticipatedMemberRepository, times(3)).save(any(PaymentParticipatedMember.class));
+    }
+
+    @Test
+    void 사진을_포함한_결제_내역_이밎_업로드_실패_시_예외_발생() throws IOException {
+        // Given
+        Long userId = 1L;
+        Long travelId = 1L;
+        String newImageUrl = "https://s3.amazonaws.com/shared-payments/travel-1/image.png";
+        String comment = "테스트";
+
+        User user1 = UserFixture.builder().id(userId).build();
+        User user2 = UserFixture.builder().id(2L).build();
+        User user3 = UserFixture.builder().id(3L).build();
+
+        Travel travel = TravelFixture.builder()
+                .id(travelId)
+                .build();
+
+        TravelMember travelMember1 = TravelMember.builder()
+                .id(1L)
+                .travel(travel)
+                .user(user1)
+                .isCaptain(true)
+                .build();
+        TravelMember travelMember2 = TravelMember.builder()
+                .id(2L)
+                .travel(travel)
+                .user(user2)
+                .isCaptain(false)
+                .build();
+        TravelMember travelMember3 = TravelMember.builder()
+                .id(3L)
+                .travel(travel)
+                .user(user3)
+                .isCaptain(false)
+                .build();
+        List<TravelMember> travelMembers = Arrays.asList(travelMember1, travelMember2, travelMember3);
+
+        given(travelRepository.findById(travelId)).willReturn(Optional.of(travel));
+        given(travelMemberRepository.findByTravelIdAndUserId(travelId, userId)).willReturn(Optional.of(travelMember1));
+        given(image.getSize()).willReturn(100L);
+        given(s3Uploader.upload(image, "shared-payments/" + travelId)).willThrow(IOException.class);
+
+        // When & Then
+        CustomException exception = assertThrows(
+                CustomException.class,
+                () -> sharedPaymentRegisterService.addManualSharedPayment(
+                        userId,
+                        travelId,
+                        "2024-12-06 20:04",
+                        "명수네 떡볶이",
+                        15000,
+                        null,
+                        "KRW",
+                        null,
+                        image,
+                        comment,
+                        false
+                )
+        );
+
+        assertEquals(ValidationErrorCode.IMAGE_PROCESSING_FAILED, exception.getErrorCode());
+        verify(travelRepository).findById(travelId);
+        verify(travelMemberRepository).findByTravelIdAndUserId(travelId, userId);
+        verify(s3Uploader).upload(image, "shared-payments/" + travelId);
+    }
+
+    @Test
+    void 유효하지_않은_날짜_형식_입력_시_예외_발생() {
+        // Given
+        Long userId = 1L;
+        Long travelId = 1L;
+
+        User user1 = UserFixture.builder().id(userId).build();
+        User user2 = UserFixture.builder().id(2L).build();
+        User user3 = UserFixture.builder().id(3L).build();
+
+        Travel travel = TravelFixture.builder()
+                .id(travelId)
+                .build();
+
+        TravelMember travelMember1 = TravelMember.builder()
+                .id(1L)
+                .travel(travel)
+                .user(user1)
+                .isCaptain(true)
+                .build();
+        TravelMember travelMember2 = TravelMember.builder()
+                .id(2L)
+                .travel(travel)
+                .user(user2)
+                .isCaptain(false)
+                .build();
+        TravelMember travelMember3 = TravelMember.builder()
+                .id(3L)
+                .travel(travel)
+                .user(user3)
+                .isCaptain(false)
+                .build();
+        List<TravelMember> travelMembers = Arrays.asList(travelMember1, travelMember2, travelMember3);
+
+        given(travelRepository.findById(travelId)).willReturn(Optional.of(travel));
+        given(travelMemberRepository.findByTravelIdAndUserId(travelId, userId)).willReturn(Optional.of(travelMember1));
+
+        // When & Then
+        CustomException exception = assertThrows(
+                CustomException.class,
+                () -> sharedPaymentRegisterService.addManualSharedPayment(
+                        userId,
+                        travelId,
+                        "2024-12-06",
+                        "명수네 떡볶이",
+                        14000,
+                        10.0,
+                        "USD",
+                        1400.0,
+                        null,
+                        null,
+                        false
+                )
+        );
+
+        assertEquals(ValidationErrorCode.INVALID_DATE_FORMAT, exception.getErrorCode());
+
+        verify(travelRepository).findById(travelId);
+        verify(travelMemberRepository).findByTravelIdAndUserId(travelId, userId);
+        verify(travelMemberRepository).findAllByTravelId(travelId);
+    }
+
+    @Test
+    void 지원되지_않는_통화_코드_입력_시_예외_발생() {
+        // Given
+        Long userId = 1L;
+        Long travelId = 1L;
+
+        User user1 = UserFixture.builder().id(userId).build();
+        User user2 = UserFixture.builder().id(2L).build();
+        User user3 = UserFixture.builder().id(3L).build();
+
+        Travel travel = TravelFixture.builder()
+                .id(travelId)
+                .build();
+
+        TravelMember travelMember1 = TravelMember.builder()
+                .id(1L)
+                .travel(travel)
+                .user(user1)
+                .isCaptain(true)
+                .build();
+        TravelMember travelMember2 = TravelMember.builder()
+                .id(2L)
+                .travel(travel)
+                .user(user2)
+                .isCaptain(false)
+                .build();
+        TravelMember travelMember3 = TravelMember.builder()
+                .id(3L)
+                .travel(travel)
+                .user(user3)
+                .isCaptain(false)
+                .build();
+        List<TravelMember> travelMembers = Arrays.asList(travelMember1, travelMember2, travelMember3);
+
+        given(travelRepository.findById(travelId)).willReturn(Optional.of(travel));
+        given(travelMemberRepository.findByTravelIdAndUserId(travelId, userId)).willReturn(Optional.of(travelMember1));
+
+        // When & Then
+        CustomException exception = assertThrows(
+                CustomException.class,
+                () -> sharedPaymentRegisterService.addManualSharedPayment(
+                        userId,
+                        travelId,
+                        "2024-12-06 20:04",
+                        "명수네 떡볶이",
+                        14000,
+                        10.0,
+                        "USS",
+                        1400.0,
+                        null,
+                        null,
+                        false
+                )
+        );
+
+        assertEquals(ValidationErrorCode.INVALID_CURRENCY_UNIT, exception.getErrorCode());
+
+        verify(travelRepository).findById(travelId);
+        verify(travelMemberRepository).findByTravelIdAndUserId(travelId, userId);
+        verify(travelMemberRepository).findAllByTravelId(travelId);
+    }
+}
\ No newline at end of file
diff --git a/src/test/java/withbeetravel/service/payment/SharedPaymentServiceImplTest.java b/src/test/java/withbeetravel/service/payment/SharedPaymentServiceImplTest.java
new file mode 100644
index 00000000..d80d534d
--- /dev/null
+++ b/src/test/java/withbeetravel/service/payment/SharedPaymentServiceImplTest.java
@@ -0,0 +1,141 @@
+package withbeetravel.service.payment;
+
+import org.junit.jupiter.api.Test;
+import org.junit.jupiter.api.extension.ExtendWith;
+import org.mockito.InjectMocks;
+import org.mockito.Mock;
+import org.mockito.junit.jupiter.MockitoExtension;
+import org.springframework.data.domain.Page;
+import org.springframework.data.domain.PageImpl;
+import withbeetravel.domain.Category;
+import withbeetravel.domain.PaymentParticipatedMember;
+import withbeetravel.domain.SharedPayment;
+import withbeetravel.domain.TravelMember;
+import withbeetravel.domain.User;
+import withbeetravel.dto.request.payment.SharedPaymentSearchRequest;
+import withbeetravel.dto.response.payment.SharedPaymentParticipatingMemberResponse;
+import withbeetravel.exception.CustomException;
+import withbeetravel.repository.SharedPaymentRepository;
+import withbeetravel.repository.TravelMemberRepository;
+import withbeetravel.support.UserFixture;
+
+import java.time.LocalDate;
+import java.util.List;
+import java.util.Map;
+
+import static org.junit.jupiter.api.Assertions.*;
+import static org.mockito.ArgumentMatchers.any;
+import static org.mockito.Mockito.when;
+
+@ExtendWith(MockitoExtension.class)
+class SharedPaymentServiceImplTest {
+
+    @Mock
+    private SharedPaymentRepository sharedPaymentRepository;
+
+    @Mock
+    private TravelMemberRepository travelMemberRepository;
+
+    @InjectMocks
+    private SharedPaymentServiceImpl sharedPaymentService;
+
+    @Test
+    void getSharedPayments_정상조회() {
+        // given
+        Long travelId = 1L;
+        SharedPaymentSearchRequest request = new SharedPaymentSearchRequest();
+        request.setPage(0);
+        request.setSortBy("latest");
+        request.setStartDate(LocalDate.now().minusDays(7));
+        request.setEndDate(LocalDate.now());
+        request.setCategory("숙박");
+
+        SharedPayment payment = SharedPayment.builder()
+                .id(1L)
+                .paymentAmount(100000)
+                .category(Category.ACCOMMODATION)
+                .build();
+
+        Page<SharedPayment> mockPage = new PageImpl<>(List.of(payment));
+
+        when(sharedPaymentRepository.findAllByTravelIdAndMemberIdAndDateRange(
+                any(), any(), any(), any(), any(), any()))
+                .thenReturn(mockPage);
+
+        // when
+        Page<SharedPayment> result = sharedPaymentService.getSharedPayments(travelId, request);
+
+        // then
+        assertNotNull(result);
+        assertFalse(result.isEmpty());
+        assertEquals(1, result.getTotalElements());
+        assertEquals(Category.ACCOMMODATION, result.getContent().get(0).getCategory());
+    }
+
+    @Test
+    void getSharedPayments_결과없음_예외발생() {
+        // given
+        Long travelId = 1L;
+        SharedPaymentSearchRequest request = new SharedPaymentSearchRequest();
+        request.setPage(0);
+        request.setSortBy("latest");
+
+        when(sharedPaymentRepository.findAllByTravelIdAndMemberIdAndDateRange(
+                any(), any(), any(), any(), any(), any()))
+                .thenReturn(Page.empty());
+
+        // when & then
+        assertThrows(CustomException.class,
+                () -> sharedPaymentService.getSharedPayments(travelId, request));
+    }
+
+    @Test
+    void getParticipatingMembersMap_정상매핑() {
+        // given
+        User user = UserFixture.builder().id(1L).build();
+
+        TravelMember travelMember = TravelMember.builder()
+                .id(1L)
+                .user(user)
+                .build();
+
+        PaymentParticipatedMember participatedMember = PaymentParticipatedMember.builder()
+                .travelMember(travelMember)
+                .build();
+
+        SharedPayment payment = SharedPayment.builder()
+                .id(1L)
+                .build();
+
+        payment.addPaymentParticipatedMember(participatedMember);
+
+        Page<SharedPayment> payments = new PageImpl<>(List.of(payment));
+
+        // when
+        Map<Long, List<SharedPaymentParticipatingMemberResponse>> result =
+                sharedPaymentService.getParticipatingMembersMap(payments);
+
+        // then
+        assertNotNull(result);
+        assertEquals(1, result.size());
+        assertTrue(result.containsKey(1L));
+
+        List<SharedPaymentParticipatingMemberResponse> memberResponses = result.get(1L);
+        assertNotNull(memberResponses);
+        assertEquals(1, memberResponses.size());
+        assertEquals(1L, memberResponses.get(0).getId());
+        assertEquals(1, memberResponses.get(0).getProfileImage());
+    }
+
+    @Test
+    void getSharedPayments_잘못된카테고리_예외발생() {
+        // given
+        Long travelId = 1L;
+        SharedPaymentSearchRequest request = new SharedPaymentSearchRequest();
+        request.setCategory("invalid_category");
+
+        // when & then
+        assertThrows(CustomException.class,
+                () -> sharedPaymentService.getSharedPayments(travelId, request));
+    }
+}
\ No newline at end of file
diff --git a/src/test/java/withbeetravel/service/settlement/SettlementServiceTest.java b/src/test/java/withbeetravel/service/settlement/SettlementServiceTest.java
new file mode 100644
index 00000000..b6315be0
--- /dev/null
+++ b/src/test/java/withbeetravel/service/settlement/SettlementServiceTest.java
@@ -0,0 +1,127 @@
+package withbeetravel.service.settlement;
+
+import org.junit.jupiter.api.Test;
+import org.junit.jupiter.api.extension.ExtendWith;
+import org.mockito.InjectMocks;
+import org.mockito.Mock;
+import org.mockito.junit.jupiter.MockitoExtension;
+import org.springframework.scheduling.TaskScheduler;
+import withbeetravel.domain.*;
+import withbeetravel.repository.*;
+import withbeetravel.repository.notification.EmitterRepository;
+import withbeetravel.support.*;
+
+import java.time.Instant;
+import java.util.List;
+import java.util.Optional;
+
+import static org.junit.jupiter.api.Assertions.assertAll;
+import static org.mockito.ArgumentMatchers.any;
+import static org.mockito.BDDMockito.given;
+import static org.mockito.Mockito.*;
+
+@ExtendWith(MockitoExtension.class)
+class SettlementServiceTest {
+
+    @Mock private TravelMemberRepository travelMemberRepository;
+    @Mock private SettlementRequestRepository settlementRequestRepository;
+    @Mock private TravelMemberSettlementHistoryRepository travelMemberSettlementHistoryRepository;
+    @Mock private PaymentParticipatedMemberRepository paymentParticipatedMemberRepository;
+    @Mock private UserRepository userRepository;
+    @Mock private TravelRepository travelRepository;
+    @Mock private SharedPaymentRepository sharedPaymentRepository;
+    @Mock private SettlementRequestLogRepository settlementRequestLogRepository;
+    @Mock private EmitterRepository emitterRepository;
+    @InjectMocks private SettlementServiceImpl settlementService;
+    @Mock private TaskScheduler taskScheduler;
+
+
+    @Test
+    void 정산_요청을_할_수_있다() {
+
+        TestData testData = SettlementTestFixture.createTestData();
+
+        given(travelRepository.findById(testData.travel.getId())).willReturn(Optional.of(testData.travel));
+        given(travelMemberRepository.findByTravelIdAndUserId(testData.travel.getId(), testData.user1.getId()))
+                .willReturn(Optional.of(testData.travelMember1));
+        given(travelMemberRepository.findAllByTravelId(testData.travel.getId()))
+                .willReturn(List.of(testData.travelMember1, testData.travelMember2));
+
+        given(settlementRequestRepository.save(any(SettlementRequest.class))).willReturn(testData.settlementRequest);
+
+        given(travelMemberSettlementHistoryRepository.save(any(TravelMemberSettlementHistory.class))).willReturn(testData.settlementHistory2);
+
+        given(paymentParticipatedMemberRepository.findAllByTravelMemberId(testData.travelMember1.getId())).willReturn(List.of(testData.pppm1, testData.pppm2));
+        given(paymentParticipatedMemberRepository.findAllByTravelMemberId(testData.travelMember2.getId())).willReturn(List.of(testData.pppm3, testData.pppm4));
+
+        given(settlementRequestLogRepository.save(any(SettlementRequestLog.class))).willReturn(SettlementRequestLog.builder().user(testData.user1).travel(testData.travel).build());
+
+        // 실행 및 검증
+        assertAll(
+                () -> settlementService.requestSettlement(testData.user1.getId(), testData.travel.getId()),
+                () -> verify(travelMemberRepository, times(1))
+                        .findByTravelIdAndUserId(testData.travel.getId(), testData.user1.getId()),
+                () -> verify(travelMemberRepository, times(2))
+                        .findAllByTravelId(testData.travel.getId()),
+                () -> verify(travelMemberRepository, times(2)).findAllByTravelId(testData.travel.getId()),
+                () -> verify(settlementRequestRepository, times(1))
+                        .save(any(SettlementRequest.class)),
+                () -> verify(travelMemberSettlementHistoryRepository, times(2))
+                        .save(any(TravelMemberSettlementHistory.class)),
+                () -> verify(settlementRequestLogRepository, times(2)).save(any(SettlementRequestLog.class)),
+                () -> verify(taskScheduler, times(1)).schedule(any(Runnable.class), any(Instant.class)));
+    }
+
+    @Test
+    void 정산_동의를_할_수_있다() {
+        TestData testData = SettlementTestFixture.createTestData();
+        testData.travel.updateSettlementStatus(SettlementStatus.ONGOING);
+
+        given(travelRepository.findById(testData.travel.getId())).willReturn(Optional.of(testData.travel));
+        given(travelMemberRepository.findByTravelIdAndUserId(testData.travel.getId(), testData.user1.getId()))
+                .willReturn(Optional.of(testData.travelMember1));
+
+        given(settlementRequestRepository.findByTravelId(testData.travel.getId())).willReturn(Optional.ofNullable(testData.settlementRequest));
+
+        given(travelMemberSettlementHistoryRepository
+                .findTravelMemberSettlementHistoryBySettlementRequestIdAndTravelMemberId(
+                        testData.settlementRequest.getId(), testData.travelMember1.getId()))
+                .willReturn(testData.settlementHistory1);
+
+        given(userRepository.findById(testData.user1.getId())).willReturn(Optional.of(testData.user1));
+
+        assertAll(
+                () -> settlementService.agreeSettlement(testData.user1.getId(), testData.travel.getId()),
+                () -> verify(travelMemberRepository, times(1)).findByTravelIdAndUserId(testData.user1.getId(), testData.travel.getId()),
+                () -> verify(settlementRequestRepository, times(1)).findByTravelId(testData.travel.getId()),
+                () -> verify(travelRepository, times(1)).findById(testData.travel.getId()),
+                () -> verify(travelMemberSettlementHistoryRepository, times(1))
+                        .findTravelMemberSettlementHistoryBySettlementRequestIdAndTravelMemberId(
+                                testData.settlementRequest.getId(), testData.travelMember1.getId())
+        );
+
+    }
+
+    @Test
+    void 정산_취소를_할_수_있다() {
+        TestData testData = SettlementTestFixture.createTestData();
+        testData.travel.updateSettlementStatus(SettlementStatus.ONGOING);
+
+        given(travelRepository.findById(testData.travel.getId())).willReturn(Optional.of(testData.travel));
+
+        given(settlementRequestRepository.findByTravelId(testData.travel.getId())).willReturn(Optional.ofNullable(testData.settlementRequest));
+
+        given(travelMemberRepository.findAllByTravelId(testData.travel.getId())).willReturn(List.of(testData.travelMember1, testData.travelMember2));
+
+        given(settlementRequestLogRepository.save(any(SettlementRequestLog.class)))
+                .willReturn(SettlementRequestLog.builder().user(testData.user2).travel(testData.travel).build());
+
+        assertAll(
+                () -> settlementService.cancelSettlement(testData.user1.getId(), testData.travel.getId()),
+                () -> verify(settlementRequestRepository, times(1)).findByTravelId(testData.travel.getId()),
+                () -> verify(travelRepository, times(1)).findById(testData.travel.getId()),
+                () -> verify(travelMemberRepository, times(2)).findAllByTravelId(testData.travel.getId()),
+                () -> verify(settlementRequestRepository, times(1)).deleteById(testData.settlementRequest.getId()),
+                () -> verify(settlementRequestLogRepository, times(2)).save(any(SettlementRequestLog.class)));
+    }
+ }
\ No newline at end of file
diff --git a/src/test/java/withbeetravel/service/travel/TravelServiceImplTest.java b/src/test/java/withbeetravel/service/travel/TravelServiceImplTest.java
new file mode 100644
index 00000000..8e6082cc
--- /dev/null
+++ b/src/test/java/withbeetravel/service/travel/TravelServiceImplTest.java
@@ -0,0 +1,292 @@
+package withbeetravel.service.travel;
+
+import org.junit.jupiter.api.BeforeEach;
+import org.junit.jupiter.api.Test;
+import org.junit.jupiter.api.extension.ExtendWith;
+import org.mockito.InjectMocks;
+import org.mockito.Mock;
+import org.mockito.junit.jupiter.MockitoExtension;
+
+import static org.junit.jupiter.api.Assertions.*;
+import static org.mockito.ArgumentMatchers.any;
+import static org.mockito.ArgumentMatchers.anyLong;
+import static org.mockito.Mockito.*;
+
+import withbeetravel.domain.*;
+import withbeetravel.dto.request.travel.TravelRequest;
+import withbeetravel.dto.response.travel.TravelResponse;
+import withbeetravel.repository.*;
+import withbeetravel.exception.CustomException;
+
+import java.time.LocalDate;
+import java.util.List;
+import java.util.Optional;
+
+@ExtendWith(MockitoExtension.class)
+public class TravelServiceImplTest {
+
+    @Mock
+    private TravelRepository travelRepository;
+
+    @Mock
+    private TravelCountryRepository travelCountryRepository;
+
+    @Mock
+    private AccountRepository accountRepository;
+
+    @Mock
+    private UserRepository userRepository;
+
+    @Mock
+    private TravelMemberRepository travelMemberRepository;
+
+    @InjectMocks
+    private TravelServiceImpl travelService;
+
+    private User mockUser;
+    private Account mockAccount;
+
+    @BeforeEach
+    void setUp() {
+        mockUser = User.builder()
+                .id(1L)
+                .password("password123!") // 암호를 반드시 설정
+                .name("Test User")
+                .email("test@example.com")
+                .pinNumber("1234") // 핀 번호 추가
+                .build();
+
+        mockAccount = Account.builder()
+                .isConnectedWibeeCard(true)
+                .user(mockUser)
+                .build();
+    }
+
+    @Test
+    void saveTravel_국내여행_성공() {
+        // Given
+        TravelRequest request = new TravelRequest(
+                "서울 여행",
+                true,
+                null,
+                "2024-07-01",
+                "2024-07-05"
+        );
+
+        // Mock 설정
+        when(accountRepository.findByUserId(anyLong()))
+                .thenReturn(List.of(mockAccount));
+
+        when(userRepository.findById(anyLong()))
+                .thenReturn(Optional.of(mockUser));
+
+        Travel savedTravel = Travel.builder()
+                .id(1L)
+                .travelName(request.getTravelName())
+                .travelStartDate(LocalDate.parse(request.getTravelStartDate()))
+                .travelEndDate(LocalDate.parse(request.getTravelEndDate()))
+                .isDomesticTravel(request.isDomesticTravel())
+                .build();
+
+        when(travelRepository.save(any(Travel.class)))
+                .thenReturn(savedTravel);
+
+        // When
+        TravelResponse response = travelService.saveTravel(request, 1L);
+
+        // Then
+        assertNotNull(response);
+        assertEquals("서울 여행", response.getName());
+        assertEquals(LocalDate.parse("2024-07-01").toString(), response.getStartDate());
+        assertEquals(LocalDate.parse("2024-07-05").toString(), response.getEndDate());
+
+        // Verify method calls
+        verify(accountRepository).findByUserId(1L);
+        verify(travelRepository).save(any(Travel.class));
+        verify(travelMemberRepository).save(any(TravelMember.class));
+    }
+
+    @Test
+    void saveTravel_해외여행_성공() {
+        // Given
+        TravelRequest request = new TravelRequest(
+                "유럽 여행",
+                false,
+                List.of("프랑스", "독일"), // ISO 코드와 이름 혼합
+                "2024-08-01",
+                "2024-08-15"
+        );
+
+        // Mock 설정
+        when(accountRepository.findByUserId(anyLong()))
+                .thenReturn(List.of(mockAccount));
+
+        when(userRepository.findById(anyLong()))
+                .thenReturn(Optional.of(mockUser));
+
+        Travel savedTravel = Travel.builder()
+                .id(1L)
+                .travelName(request.getTravelName())
+                .travelStartDate(LocalDate.parse(request.getTravelStartDate()))
+                .travelEndDate(LocalDate.parse(request.getTravelEndDate()))
+                .isDomesticTravel(request.isDomesticTravel())
+                .build();
+
+        when(travelRepository.save(any(Travel.class)))
+                .thenReturn(savedTravel);
+
+        // 국가 모킹
+        List<TravelCountry> travelCountries = request.getTravelCountries().stream()
+                .map(countryName -> TravelCountry.builder()
+                        .country(Country.findByName(countryName))
+                        .travel(savedTravel)
+                        .build())
+                .toList();
+
+        // When
+        TravelResponse response = travelService.saveTravel(request, 1L);
+
+        // Then
+        assertNotNull(response);
+        assertEquals("유럽 여행", response.getName());
+        assertEquals(LocalDate.parse("2024-08-01").toString(), response.getStartDate());
+        assertEquals(LocalDate.parse("2024-08-15").toString(), response.getEndDate());
+        assertEquals(List.of("FR", "DE"), response.getCountry());
+
+        // Verify method calls
+        verify(accountRepository).findByUserId(1L);
+        verify(travelRepository).save(any(Travel.class));
+        verify(travelMemberRepository).save(any(TravelMember.class));
+        verify(travelCountryRepository).saveAll(anyList());
+    }
+
+    @Test
+    void saveTravel_위비카드미연결_예외발생() {
+        // Given
+        TravelRequest request = new TravelRequest(
+                "제주도 여행",
+                true,
+                null,
+                "2024-09-01",
+                "2024-09-05"
+        );
+
+        // Mock 설정 - 위비 카드 미연결 상태
+        Account unconnectedAccount = Account.builder()
+                .isConnectedWibeeCard(false)
+                .user(mockUser)
+                .build();
+
+        when(accountRepository.findByUserId(anyLong()))
+                .thenReturn(List.of(unconnectedAccount));
+
+        // When & Then
+        assertThrows(CustomException.class,
+                () -> travelService.saveTravel(request, 1L),
+                "위비 카드 미연결 시 예외가 발생해야 합니다.");
+
+        verify(accountRepository).findByUserId(1L);
+        verify(travelRepository, never()).save(any(Travel.class));
+    }
+
+    @Test
+    void editTravel_국내여행_성공() {
+        // Given
+        Long travelId = 1L;
+        TravelRequest request = new TravelRequest(
+                "수정된 여행",
+                true,
+                null,
+                "2024-10-01",
+                "2024-10-10"
+        );
+
+        Travel existingTravel = Travel.builder()
+                .id(travelId)
+                .travelName("기존 여행")
+                .travelStartDate(LocalDate.parse("2024-09-01"))
+                .travelEndDate(LocalDate.parse("2024-09-10"))
+                .isDomesticTravel(true)
+                .build();
+
+        // Mock 설정
+        when(travelRepository.findById(travelId))
+                .thenReturn(Optional.of(existingTravel));
+
+        // When
+        travelService.editTravel(request, travelId);
+
+        // Then
+        verify(travelRepository).findById(travelId);
+        verify(travelCountryRepository).deleteByTravel(existingTravel);
+
+        // 여행 정보가 정확히 수정되었는지 확인
+        assertEquals("수정된 여행", existingTravel.getTravelName());
+        assertEquals(LocalDate.parse("2024-10-01"), existingTravel.getTravelStartDate());
+        assertEquals(LocalDate.parse("2024-10-10"), existingTravel.getTravelEndDate());
+    }
+
+    @Test
+    void editTravel_해외여행_성공() {
+        // Given
+        Long travelId = 1L;
+        TravelRequest request = new TravelRequest(
+                "수정된 해외 여행",
+                false,
+                List.of("이탈리아", "스페인"),
+                "2024-11-01",
+                "2024-11-15"
+        );
+
+        Travel existingTravel = Travel.builder()
+                .id(travelId)
+                .travelName("기존 해외 여행")
+                .travelStartDate(LocalDate.parse("2024-09-01"))
+                .travelEndDate(LocalDate.parse("2024-09-10"))
+                .isDomesticTravel(true)
+                .build();
+
+        // Mock 설정
+        when(travelRepository.findById(travelId))
+                .thenReturn(Optional.of(existingTravel));
+
+        // When
+        travelService.editTravel(request, travelId);
+
+        // Then
+        verify(travelRepository).findById(travelId);
+        verify(travelCountryRepository).deleteByTravel(existingTravel);
+        verify(travelCountryRepository).saveAll(anyList());
+
+        // 여행 정보가 정확히 수정되었는지 확인
+        assertEquals("수정된 해외 여행", existingTravel.getTravelName());
+        assertEquals(LocalDate.parse("2024-11-01"), existingTravel.getTravelStartDate());
+        assertEquals(LocalDate.parse("2024-11-15"), existingTravel.getTravelEndDate());
+        assertFalse(existingTravel.isDomesticTravel());
+    }
+
+    @Test
+    void editTravel_여행_미존재_예외발생() {
+        // Given
+        Long travelId = 999L;
+        TravelRequest request = new TravelRequest(
+                "존재하지 않는 여행",
+                true,
+                null,
+                "2024-12-01",
+                "2024-12-10"
+        );
+
+        // Mock 설정
+        when(travelRepository.findById(travelId))
+                .thenReturn(Optional.empty());
+
+        // When & Then
+        assertThrows(IllegalArgumentException.class,
+                () -> travelService.editTravel(request, travelId),
+                "존재하지 않는 여행 ID로 수정 시 예외가 발생해야 합니다.");
+
+        verify(travelRepository).findById(travelId);
+        verify(travelCountryRepository, never()).deleteByTravel(any());
+    }
+}
\ No newline at end of file
diff --git a/src/test/java/withbeetravel/support/AccountFixture.java b/src/test/java/withbeetravel/support/AccountFixture.java
new file mode 100644
index 00000000..f8726645
--- /dev/null
+++ b/src/test/java/withbeetravel/support/AccountFixture.java
@@ -0,0 +1,61 @@
+package withbeetravel.support;
+
+import withbeetravel.domain.Account;
+import withbeetravel.domain.Product;
+import withbeetravel.domain.User;
+
+public class AccountFixture {
+
+    private Long id;
+    private User user;
+    private String accountNumber = "1111111111111";
+    private long balance = 1000000L;
+    private Product product = Product.WON통장;
+    private boolean isConnectedWibeeCard = false;
+
+    public static AccountFixture builder() {
+        return new AccountFixture();
+    }
+
+    public AccountFixture id(Long id) {
+        this.id = id;
+        return this;
+    }
+
+    public AccountFixture user(User user) {
+        this.user = user;
+        return this;
+    }
+
+    public AccountFixture accountNumber(String accountNumber) {
+        this.accountNumber = accountNumber;
+        return this;
+    }
+
+    public AccountFixture balance(long balance) {
+        this.balance = balance;
+        return this;
+    }
+
+    public AccountFixture product(Product product) {
+        this.product = product;
+        return this;
+    }
+
+    public AccountFixture isConnectedWibeeCard(boolean isConnectedWibeeCard) {
+        this.isConnectedWibeeCard = isConnectedWibeeCard;
+        return this;
+    }
+
+    public Account build() {
+        return Account.builder()
+                .id(id)
+                .user(user)
+                .accountNumber(accountNumber)
+                .balance(balance)
+                .product(product)
+                .isConnectedWibeeCard(isConnectedWibeeCard)
+                .build();
+    }
+}
+
diff --git a/src/test/java/withbeetravel/support/BaseIntegrationTest.java b/src/test/java/withbeetravel/support/BaseIntegrationTest.java
new file mode 100644
index 00000000..e0abcae2
--- /dev/null
+++ b/src/test/java/withbeetravel/support/BaseIntegrationTest.java
@@ -0,0 +1,32 @@
+package withbeetravel.support;
+
+import io.restassured.RestAssured;
+import org.junit.jupiter.api.BeforeEach;
+import org.springframework.beans.factory.annotation.Autowired;
+import org.springframework.boot.test.context.SpringBootTest;
+import org.springframework.boot.test.web.server.LocalServerPort;
+import withbeetravel.jwt.JwtUtil;
+
+@SpringBootTest(webEnvironment = SpringBootTest.WebEnvironment.RANDOM_PORT)
+public class BaseIntegrationTest {
+
+    @LocalServerPort
+    private int port;
+
+    @Autowired
+    private JwtUtil jwtUtil;
+
+    protected String accessToken;
+
+    @BeforeEach
+    void setUp() {
+        accessToken = jwtUtil.generateAccessToken(String.valueOf(2L));
+    }
+
+    @BeforeEach
+    void setPort() {
+        // 랜덤으로 배정받은 포트 설정
+        RestAssured.port = port;
+    }
+}
+
diff --git a/src/test/java/withbeetravel/support/SettlementRequestFixture.java b/src/test/java/withbeetravel/support/SettlementRequestFixture.java
new file mode 100644
index 00000000..25aef391
--- /dev/null
+++ b/src/test/java/withbeetravel/support/SettlementRequestFixture.java
@@ -0,0 +1,54 @@
+package withbeetravel.support;
+
+import withbeetravel.domain.SettlementRequest;
+import withbeetravel.domain.Travel;
+
+import java.time.LocalDateTime;
+
+public class SettlementRequestFixture {
+
+    private Long id;
+    private Travel travel;
+    private LocalDateTime requestStartTime = LocalDateTime.now();
+    private LocalDateTime requestEndTime;
+    private int disagreeCount = 0;
+
+    public static SettlementRequestFixture builder() {
+        return new SettlementRequestFixture();
+    }
+
+    public SettlementRequestFixture id(Long id) {
+        this.id = id;
+        return this;
+    }
+
+    public SettlementRequestFixture travel(Travel travel) {
+        this.travel = travel;
+        return this;
+    }
+
+    public SettlementRequestFixture requestStartTime(LocalDateTime requestStartTime) {
+        this.requestStartTime = requestStartTime;
+        return this;
+    }
+
+    public SettlementRequestFixture requestEndTime(LocalDateTime requestEndTime) {
+        this.requestEndTime = requestEndTime;
+        return this;
+    }
+
+    public SettlementRequestFixture disagreeCount(int disagreeCount) {
+        this.disagreeCount = disagreeCount;
+        return this;
+    }
+
+    public SettlementRequest build() {
+        return SettlementRequest.builder()
+                .id(id)
+                .travel(travel)
+                .requestStartTime(requestStartTime)
+                .requestEndTime(requestEndTime)
+                .disagreeCount(disagreeCount)
+                .build();
+    }
+}
diff --git a/src/test/java/withbeetravel/support/SettlementRequestLogFixture.java b/src/test/java/withbeetravel/support/SettlementRequestLogFixture.java
new file mode 100644
index 00000000..cff02a28
--- /dev/null
+++ b/src/test/java/withbeetravel/support/SettlementRequestLogFixture.java
@@ -0,0 +1,70 @@
+package withbeetravel.support;
+
+import withbeetravel.domain.LogTitle;
+import withbeetravel.domain.SettlementRequestLog;
+import withbeetravel.domain.Travel;
+import withbeetravel.domain.User;
+
+import java.time.LocalDateTime;
+
+public class SettlementRequestLogFixture {
+
+    private Long id;
+    private Travel travel;
+    private User user;
+    private LogTitle logTitle = LogTitle.SETTLEMENT_REQUEST;
+    private String logMessage = "정산 요청";
+    private LocalDateTime logTime = LocalDateTime.now();
+    private String link = "travel/1/settlement";
+
+    public static SettlementRequestLogFixture builder() {
+        return new SettlementRequestLogFixture();
+    }
+
+    public SettlementRequestLogFixture id(Long id) {
+        this.id = id;
+        return this;
+    }
+
+    public SettlementRequestLogFixture travel(Travel travel) {
+        this.travel = travel;
+        return this;
+    }
+
+    public SettlementRequestLogFixture user(User user) {
+        this.user = user;
+        return this;
+    }
+
+    public SettlementRequestLogFixture logTitle(LogTitle logTitle) {
+        this.logTitle = logTitle;
+        return this;
+    }
+
+    public SettlementRequestLogFixture logMessage(String logMessage) {
+        this.logMessage = logMessage;
+        return this;
+    }
+
+    public SettlementRequestLogFixture logTime(LocalDateTime logTime) {
+        this.logTime = logTime;
+        return this;
+    }
+
+    public SettlementRequestLogFixture link(String link) {
+        this.link = link;
+        return this;
+    }
+
+    public SettlementRequestLog build() {
+        return SettlementRequestLog.builder()
+                .id(id)
+                .travel(travel)
+                .user(user)
+                .logTitle(logTitle)
+                .logMessage(logMessage)
+                .logTime(logTime)
+                .link(link)
+                .build();
+    }
+}
diff --git a/src/test/java/withbeetravel/support/SettlementTestFixture.java b/src/test/java/withbeetravel/support/SettlementTestFixture.java
new file mode 100644
index 00000000..43367056
--- /dev/null
+++ b/src/test/java/withbeetravel/support/SettlementTestFixture.java
@@ -0,0 +1,73 @@
+package withbeetravel.support;
+
+import withbeetravel.domain.*;
+
+public class SettlementTestFixture {
+
+    public static TestData createTestData() {
+        // User 생성
+        User user1 = UserFixture.builder().id(1L).build();
+        User user2 = UserFixture.builder().id(2L).build();
+
+        // Account 생성
+        Account account1 = AccountFixture.builder().user(user1).isConnectedWibeeCard(true).build();
+        Account account2 = AccountFixture.builder().user(user2).isConnectedWibeeCard(false).build();
+
+        user1.updateConnectedAccount(account1);
+        user1.updateWibeeCardAccount(account1);
+        user2.updateConnectedAccount(account2);
+
+        // Travel 및 TravelMember 생성
+        Travel travel = TravelFixture.builder().id(1L).build();
+        TravelMember travelMember1 = TravelMember.builder().id(1L).travel(travel).user(user1).isCaptain(true).build();
+        TravelMember travelMember2 = TravelMember.builder().id(2L).travel(travel).user(user2).isCaptain(false).build();
+
+        // SharedPayment 생성
+        SharedPayment sharedPayment1 = SharedPaymentFixture.builder()
+                .id(1L).addedByMember(travelMember1).travel(travel).paymentAmount(70000).build();
+        SharedPayment sharedPayment2 = SharedPaymentFixture.builder()
+                .id(2L).addedByMember(travelMember2).travel(travel).paymentAmount(40000).build();
+
+        // SettlementRequest 및 Log 생성
+        SettlementRequest settlementRequest = SettlementRequestFixture.builder().id(1L).travel(travel).disagreeCount(2).build();
+        SettlementRequestLog settlementRequestLog1 = SettlementRequestLogFixture.builder().id(1L).travel(travel).user(user1).build();
+        SettlementRequestLog settlementRequestLog2 = SettlementRequestLogFixture.builder().id(2L).travel(travel).user(user2).build();
+
+        // PaymentParticipatedMember 생성
+        PaymentParticipatedMember pppm1 = PaymentParticipatedMember.builder().id(1L)
+                .travelMember(travelMember1).sharedPayment(sharedPayment1).build();
+        PaymentParticipatedMember pppm2 = PaymentParticipatedMember.builder().id(2L)
+                .travelMember(travelMember1).sharedPayment(sharedPayment2).build();
+        PaymentParticipatedMember pppm3 = PaymentParticipatedMember.builder().id(3L)
+                .travelMember(travelMember2).sharedPayment(sharedPayment1).build();
+        PaymentParticipatedMember pppm4 = PaymentParticipatedMember.builder().id(4L)
+                .travelMember(travelMember2).sharedPayment(sharedPayment2).build();
+
+        // TravelMemberSettlementHistory 생성
+        TravelMemberSettlementHistory settlementHistory1 = TravelMemberSettlementHistory.builder()
+                .id(1L)
+                .settlementRequest(settlementRequest)
+                .travelMember(travelMember1)
+                .ownPaymentCost(70000)
+                .actualBurdenCost(55000)
+                .isAgreed(false)
+                .build();
+
+        TravelMemberSettlementHistory settlementHistory2 = TravelMemberSettlementHistory.builder()
+                .id(2L)
+                .settlementRequest(settlementRequest)
+                .travelMember(travelMember2)
+                .ownPaymentCost(40000)
+                .actualBurdenCost(55000)
+                .isAgreed(false)
+                .build();
+
+        // TestData 객체 생성 및 반환
+        return new TestData(
+                user1, user2, account1, account2, travel, travelMember1, travelMember2,
+                sharedPayment1, sharedPayment2, settlementRequest,
+                settlementRequestLog1, settlementRequestLog2, pppm1, pppm2, pppm3, pppm4,
+                settlementHistory1, settlementHistory2
+        );
+    }
+}
diff --git a/src/test/java/withbeetravel/support/SharedPaymentFixture.java b/src/test/java/withbeetravel/support/SharedPaymentFixture.java
new file mode 100644
index 00000000..a010fb77
--- /dev/null
+++ b/src/test/java/withbeetravel/support/SharedPaymentFixture.java
@@ -0,0 +1,116 @@
+package withbeetravel.support;
+
+import withbeetravel.domain.*;
+
+import java.time.LocalDateTime;
+
+public class SharedPaymentFixture {
+
+    private Long id;
+    private TravelMember addedByMember;
+    private Travel travel;
+    private CurrencyUnit currencyUnit = CurrencyUnit.KRW;
+    private int paymentAmount = 100000;
+    private Double foreignPaymentAmount = null;
+    private Double exchangeRate = null;
+    private String paymentComment = "맛있는 저녁";
+    private String paymentImage = null;
+    private boolean isManuallyAdded = false;
+    private int participantCount = 2;
+    private Category category = Category.FOOD;
+    private String storeName = "이선생 짜글이";
+    private LocalDateTime paymentDate = LocalDateTime.now();
+
+    public static SharedPaymentFixture builder() {
+        return new SharedPaymentFixture();
+    }
+
+    public SharedPaymentFixture id(Long id) {
+        this.id = id;
+        return this;
+    }
+
+    public SharedPaymentFixture addedByMember(TravelMember addedByMember) {
+        this.addedByMember = addedByMember;
+        return this;
+    }
+
+    public SharedPaymentFixture travel(Travel travel) {
+        this.travel = travel;
+        return this;
+    }
+
+    public SharedPaymentFixture currencyUnit(CurrencyUnit currencyUnit) {
+        this.currencyUnit = currencyUnit;
+        return this;
+    }
+
+    public SharedPaymentFixture paymentAmount(int paymentAmount) {
+        this.paymentAmount = paymentAmount;
+        return this;
+    }
+
+    public SharedPaymentFixture foreignPaymentAmount(Double foreignPaymentAmount) {
+        this.foreignPaymentAmount = foreignPaymentAmount;
+        return this;
+    }
+
+    public SharedPaymentFixture exchangeRate(Double exchangeRate) {
+        this.exchangeRate = exchangeRate;
+        return this;
+    }
+
+    public SharedPaymentFixture paymentComment(String paymentComment) {
+        this.paymentComment = paymentComment;
+        return this;
+    }
+
+    public SharedPaymentFixture paymentImage(String paymentImage) {
+        this.paymentImage = paymentImage;
+        return this;
+    }
+
+    public SharedPaymentFixture isManuallyAdded(boolean isManuallyAdded) {
+        this.isManuallyAdded = isManuallyAdded;
+        return this;
+    }
+
+    public SharedPaymentFixture participantCount(int participantCount) {
+        this.participantCount = participantCount;
+        return this;
+    }
+
+    public SharedPaymentFixture category(Category category) {
+        this.category = category;
+        return this;
+    }
+
+    public SharedPaymentFixture storeName(String storeName) {
+        this.storeName = storeName;
+        return this;
+    }
+
+    public SharedPaymentFixture paymentDate(LocalDateTime paymentDate) {
+        this.paymentDate = paymentDate;
+        return this;
+    }
+
+    public SharedPayment build() {
+        return SharedPayment.builder()
+                .id(id)
+                .addedByMember(addedByMember)
+                .travel(travel)
+                .currencyUnit(currencyUnit)
+                .paymentAmount(paymentAmount)
+                .foreignPaymentAmount(foreignPaymentAmount)
+                .exchangeRate(exchangeRate)
+                .paymentComment(paymentComment)
+                .paymentImage(paymentImage)
+                .isManuallyAdded(isManuallyAdded)
+                .participantCount(participantCount)
+                .category(category)
+                .storeName(storeName)
+                .paymentDate(paymentDate)
+                .build();
+    }
+}
diff --git a/src/test/java/withbeetravel/support/TestData.java b/src/test/java/withbeetravel/support/TestData.java
new file mode 100644
index 00000000..1ffcf24c
--- /dev/null
+++ b/src/test/java/withbeetravel/support/TestData.java
@@ -0,0 +1,53 @@
+package withbeetravel.support;
+
+import withbeetravel.domain.*;
+
+public class TestData {
+    public final User user1;
+    public final User user2;
+    public final Account account1;
+    public final Account account2;
+    public final Travel travel;
+    public final TravelMember travelMember1;
+    public final TravelMember travelMember2;
+    public final SharedPayment sharedPayment1;
+    public final SharedPayment sharedPayment2;
+    public final SettlementRequest settlementRequest;
+    public final SettlementRequestLog settlementRequestLog1;
+    public final SettlementRequestLog settlementRequestLog2;
+    public final PaymentParticipatedMember pppm1;
+    public final PaymentParticipatedMember pppm2;
+    public final PaymentParticipatedMember pppm3;
+    public final PaymentParticipatedMember pppm4;
+    public final TravelMemberSettlementHistory settlementHistory1;
+    public final TravelMemberSettlementHistory settlementHistory2;
+
+    public TestData(
+            User user1, User user2, Account account1, Account account2,
+            Travel travel, TravelMember travelMember1, TravelMember travelMember2,
+            SharedPayment sharedPayment1, SharedPayment sharedPayment2,
+            SettlementRequest settlementRequest, SettlementRequestLog settlementRequestLog1,
+            SettlementRequestLog settlementRequestLog2, PaymentParticipatedMember pppm1,
+            PaymentParticipatedMember pppm2, PaymentParticipatedMember pppm3,
+            PaymentParticipatedMember pppm4, TravelMemberSettlementHistory settlementHistory1,
+            TravelMemberSettlementHistory settlementHistory2) {
+        this.user1 = user1;
+        this.user2 = user2;
+        this.account1 = account1;
+        this.account2 = account2;
+        this.travel = travel;
+        this.travelMember1 = travelMember1;
+        this.travelMember2 = travelMember2;
+        this.sharedPayment1 = sharedPayment1;
+        this.sharedPayment2 = sharedPayment2;
+        this.settlementRequest = settlementRequest;
+        this.settlementRequestLog1 = settlementRequestLog1;
+        this.settlementRequestLog2 = settlementRequestLog2;
+        this.pppm1 = pppm1;
+        this.pppm2 = pppm2;
+        this.pppm3 = pppm3;
+        this.pppm4 = pppm4;
+        this.settlementHistory1 = settlementHistory1;
+        this.settlementHistory2 = settlementHistory2;
+    }
+}
diff --git a/src/test/java/withbeetravel/support/TravelFixture.java b/src/test/java/withbeetravel/support/TravelFixture.java
new file mode 100644
index 00000000..06675772
--- /dev/null
+++ b/src/test/java/withbeetravel/support/TravelFixture.java
@@ -0,0 +1,75 @@
+package withbeetravel.support;
+
+import withbeetravel.domain.SettlementStatus;
+import withbeetravel.domain.Travel;
+
+import java.time.LocalDate;
+
+public class TravelFixture {
+
+    private Long id;
+    private String travelName = "강릉 여행";
+    private LocalDate travelStartDate = LocalDate.now();
+    private LocalDate travelEndDate = LocalDate.now().plusDays(4);
+    private String inviteCode = "INV123456";
+    private String mainImage = null;
+    private boolean isDomesticTravel = true;
+    private SettlementStatus settlementStatus = SettlementStatus.PENDING;
+
+    public static TravelFixture builder() {
+        return new TravelFixture();
+    }
+
+    public TravelFixture id(Long id) {
+        this.id = id;
+        return this;
+    }
+
+    public TravelFixture travelName(String travelName) {
+        this.travelName = travelName;
+        return this;
+    }
+
+    public TravelFixture travelStartDate(LocalDate travelStartDate) {
+        this.travelStartDate = travelStartDate;
+        return this;
+    }
+
+    public TravelFixture travelEndDate(LocalDate travelEndDate) {
+        this.travelEndDate = travelEndDate;
+        return this;
+    }
+
+    public TravelFixture inviteCode(String inviteCode) {
+        this.inviteCode = inviteCode;
+        return this;
+    }
+
+    public TravelFixture mainImage(String mainImage) {
+        this.mainImage = mainImage;
+        return this;
+    }
+
+    public TravelFixture isDomesticTravel(boolean isDomesticTravel) {
+        this.isDomesticTravel = isDomesticTravel;
+        return this;
+    }
+
+    public TravelFixture settlementStatus(SettlementStatus settlementStatus) {
+        this.settlementStatus = settlementStatus;
+        return this;
+    }
+
+    public Travel build() {
+        return Travel.builder()
+                .id(id)
+                .travelName(travelName)
+                .travelStartDate(travelStartDate)
+                .travelEndDate(travelEndDate)
+                .inviteCode(inviteCode)
+                .mainImage(mainImage)
+                .isDomesticTravel(isDomesticTravel)
+                .settlementStatus(settlementStatus)
+                .build();
+    }
+}
diff --git a/src/test/java/withbeetravel/support/UserFixture.java b/src/test/java/withbeetravel/support/UserFixture.java
new file mode 100644
index 00000000..09373b17
--- /dev/null
+++ b/src/test/java/withbeetravel/support/UserFixture.java
@@ -0,0 +1,97 @@
+package withbeetravel.support;
+
+import withbeetravel.domain.Account;
+import withbeetravel.domain.RoleType;
+import withbeetravel.domain.User;
+
+public class UserFixture {
+
+    private Long id;
+    private Account wibeeCardAccount;
+    private Account connectedAccount;
+    private String email = "1234@naver.com";
+    private String password = "password123!";
+    private String pinNumber = "123456";
+    private String name = "홍길동";
+    private int profileImage = 1;
+    private int failedPinCount = 0;
+    private boolean pinLocked = false;
+    private RoleType roleType = RoleType.USER;
+
+    public static UserFixture builder() {
+        return new UserFixture();
+    }
+
+    public UserFixture id(Long id) {
+        this.id = id;
+        return this;
+    }
+
+    public UserFixture wibeeCardAccount(Account wibeeCardAccount) {
+        this.wibeeCardAccount = wibeeCardAccount;
+        return this;
+    }
+
+    public UserFixture connectedAccount(Account connectedAccount) {
+        this.connectedAccount = connectedAccount;
+        return this;
+    }
+
+    public UserFixture email(String email) {
+        this.email = email;
+        return this;
+    }
+
+    public UserFixture password(String password) {
+        this.password = password;
+        return this;
+    }
+
+    public UserFixture pinNumber(String pinNumber) {
+        this.pinNumber = pinNumber;
+        return this;
+    }
+
+    public UserFixture name(String name) {
+        this.name = name;
+        return this;
+    }
+
+    public UserFixture profileImage(int profileImage) {
+        this.profileImage = profileImage;
+        return this;
+    }
+
+    public UserFixture failedPinCount(int failedPinCount) {
+        this.failedPinCount = failedPinCount;
+        return this;
+    }
+
+    public UserFixture pinLocked(boolean pinLocked) {
+        this.pinLocked = pinLocked;
+        return this;
+    }
+
+    public UserFixture roleType(RoleType roleType) {
+        this.roleType = roleType;
+        return this;
+    }
+
+    public User build() {
+        return User.builder()
+                .id(id)
+                .wibeeCardAccount(wibeeCardAccount)
+                .connectedAccount(connectedAccount)
+                .email(email)
+                .password(password)
+                .pinNumber(pinNumber)
+                .name(name)
+                .profileImage(profileImage)
+                .failedPinCount(failedPinCount)
+                .pinLocked(pinLocked)
+                .roleType(roleType)
+                .build();
+    }
+
+
+}