{"result":{"code":200,"message":"success"},"payload":{"user":{"user":{"id":"tenant-id-redacted","tenantId":"tenant-id-redacted","departmentId":"tenant-id-redacted","corporationIds":[],"loginId":"dw_ve","role":"VE","name":"배동우","email":"ehddn5410@naver.com","tel":"phone-redacted","state":{"value":"ACTIVE","label":"정상"},"rolePermissionPresetId":684,"passwordFailedCount":0,"twoFactorMethod":"NONE","twoFactorOtpKey":null,"twoFactorFailedCount":0,"emailVerified":false,"telVerified":true,"otpVerified":false,"twoFactorDeferUntil":"2030-06-05T15:37:02","lockReason":"부서 잠금 예정일 도래","lastSignedAt":"2026-06-15T14:28:36","concurrentLoginable":true,"isVerified":true,"passwordChangedAt":"2026-05-06T20:53:41","passwordChangeDeferUntil":null,"createdAt":"2026-04-06T11:13:44","createdBy":"tenant-id-redacted","updatedAt":"2026-06-15T14:28:36","updatedBy":"tenant-id-redacted","isPinMethod":false,"isSmsMethod":false,"isEmailMethod":false,"shouldPromptPasswordChange":false,"shouldPromptTwoFactor":false,"isTwoFactorEnabled":false,"isNoneMethod":true,"isOtpMethod":false,"isCo":false,"isAdmin":false,"isInActive":false,"isTa":false,"isBo":false,"isVe":true,"isActive":true,"isLocked":false},"departmentCode":"BP100002","passwordFailedCount":0,"twoFactorFailedCount":0,"twoFactorDeferUntil":"2030-06-05T15:37:02","emailVerified":false,"telVerified":true,"lastSignedAt":"2026-06-15T14:28:36","lockReason":"부서 잠금 예정일 도래","otpVerified":false,"twoFactorOtpKey":null,"loginId":"dw_ve","twoFactorMethod":"NONE","email":"ehddn5410@naver.com","rolePermissionPresetId":684,"corporationIds":[],"departmentId":"tenant-id-redacted","tel":"phone-redacted","tenantId":"tenant-id-redacted","role":"VE","name":"배동우","id":"tenant-id-redacted","state":{"value":"ACTIVE","label":"정상"}},"department":{"id":"tenant-id-redacted","tenantId":"tenant-id-redacted","code":"BP100002","businessInfo":{"name":"최인석 가맹","tel":"phone-redacted","person":"최인석","registrationNumber":"phone-redacted","businessType":"","businessItem":"","address":{"postalCode":"","address1":"","address2":""},"taxCredit":"NONE","isReported":true},"settlementInfo":{"method":"WALLET","minAmount":10000,"cycle":{"unit":"DAY_OF_MONTH","value":1},"depositSummary":"","weekendTransferEnabled":true,"settlementStartTime":null,"settlementEndTime":null,"isAccountMissing":true,"bankAccount":null},"paymentPolicy":{"quotaLimit":1,"dailyLimit":20000000,"monthlyLimit":200000000,"onceLimit":20000000,"sameCardLimit":5000000,"sameCardCountLimit":-1,"sameCardTimeLimit":"UNLIMITED","useVerification":false,"linkUseVerification":false,"refundUseVerification":true,"holidayPaymentEnabled":true,"paymentStartTime":null,"paymentEndTime":null},"status":{"value":"ACTIVE","label":"정상"},"paymentBatchTime":null,"associatedCorporationIds":["tenant-id-redacted"],"defaultPaymentCommissionRate":0.000,"transferCommissionAmount":0.000,"holidayTransferEnabled":false,"terminalCount":1,"dayTransferLimit":2000000.000,"singleTransferLimit":2000000.000,"mfaTransferLimit":1000000.000,"mfaExemptionCount":null,"mfaTransferTime":null,"createdAt":"2026-04-03T17:33:29","createdBy":"tenant-id-redacted","updatedAt":"2026-05-29T17:47:01","updatedBy":"tenant-id-redacted","willMigrate":true,"type":"VE","lockDate":null,"isWeekendSettlementEnabled":true,"departmentType":"VE","applyFee":true,"feeRate":3.500,"generalCardIssueFee":10000.00,"transitCardIssueFee":20000.00,"biscuitCardLossReportTel":null}}}