diff --git a/app/Forms/CommonForm.php b/app/Forms/CommonForm.php
index 9080386..cad7fe9 100644
--- a/app/Forms/CommonForm.php
+++ b/app/Forms/CommonForm.php
@@ -123,21 +123,19 @@ abstract class CommonForm
     }
     $dynamicRules = [];
     $dynamicLabels = []; // 레이블 배열 추가
-    if (!count($this->getFormRules())) {
-      throw new RuntimeException(static::class . '->' . __FUNCTION__ . "에서 오류발생: 지정된  Form RULE이 없습니다.");
-    }
     foreach ($this->getFormRules() as $field => $rule) {
       list($field, $rule) = $this->getValidationRule($field, $rule);
       $dynamicRules[$field] = $rule; // 규칙만 저장
       $dynamicLabels[$field] = $this->getFormFields()[$field];
     }
-    log_message('debug', 'Validate Fields: ' . var_export($this->getFormFields(), true));
-    log_message('debug', 'Validate Rules: ' . var_export($dynamicRules, true));
-    log_message('debug', 'Validate Data: ' . var_export($formDatas, true));
+    if (!count($dynamicRules)) {
+      log_message('debug', 'Validate Rules: ' . var_export($this->getFormRules(), true));
+      log_message('debug', 'Validate Dynamic Rules: ' . var_export($dynamicRules, true));
+      log_message('debug', 'Validate Data: ' . var_export($formDatas, true));
+      throw new RuntimeException(static::class . '->' . __FUNCTION__ . "에서 오류발생: 지정된  Form RULE이 없습니다.");
+    }
     // setRules의 세 번째 인자로 레이블 전달
     $this->_validation->setRules($dynamicRules, [], $dynamicLabels);
-
-    // run()에는 데이터만 전달 (setRules에서 이미 설정됨)
     $result = $this->_validation->run($formDatas);
     if ($result === false) {
       $message = static::class . '->' . __FUNCTION__ . "에서 데이터 검증 오류발생: " . var_export($this->_validation->getErrors(), true);
diff --git a/app/Services/CommonService.php b/app/Services/CommonService.php
index 0cd0798..b1d37d9 100644
--- a/app/Services/CommonService.php
+++ b/app/Services/CommonService.php
@@ -190,8 +190,8 @@ abstract class CommonService
         }
         $entity = $this->save_process($entity);
         //입력/출력데이터 확인용
-        log_message('debug', var_export($formDatas, true));
-        log_message('debug', var_export($entity->toArray(), true));
+        // log_message('debug', var_export($formDatas, true));
+        // log_message('debug', var_export($entity->toArray(), true));
         return $entity;
     }
     final public function create(array $formDatas): object
@@ -225,13 +225,13 @@ abstract class CommonService
         $fields = array_keys($formDatas);
         $this->getFormService()->setFormFields($fields);
         $this->getFormService()->setFormRules('modify', $fields);
-        if (static::class === PaymentService::class) {
-            var_dump($this->getFormService()->getFormRules());
-            echo "<HR>";
-            var_dump($formDatas);
-            dd($entity->toArray());
-            echo "<HR>";
-        }
+        // if (static::class === PaymentService::class) {
+        //     var_dump($this->getFormService()->getFormRules());
+        //     echo "<HR>";
+        //     var_dump($formDatas);
+        //     dd($entity->toArray());
+        //     echo "<HR>";
+        // }
         // 데이터 검증
         if (!$this->getFormService()->validate($formDatas)) {
             throw new ValidationException(
@@ -251,8 +251,8 @@ abstract class CommonService
         }
         $entity = $this->save_process($entity);
         //입력/출력데이터 확인용
-        log_message('debug', var_export($formDatas, true));
-        log_message('debug', var_export($entity->toArray(), true));
+        // log_message('debug', var_export($formDatas, true));
+        // log_message('debug', var_export($entity->toArray(), true));
         return $entity;
     }
 
diff --git a/app/Services/Customer/Wallet/AccountService.php b/app/Services/Customer/Wallet/AccountService.php
index 2bd9ecb..7fc3dff 100644
--- a/app/Services/Customer/Wallet/AccountService.php
+++ b/app/Services/Customer/Wallet/AccountService.php
@@ -170,7 +170,7 @@ class AccountService extends WalletService
         $formDatas['alias'] = array_key_exists('alias', $formDatas) ? $formDatas['alias'] : $clientEntity->getTitle();
         $formDatas['balance'] = $clientEntity->getAccountBalance() - $formDatas['amount'];
         if ($formDatas['balance'] < 0) {
-            throw new RuntimeException(static::class . '->' . __FUNCTION__ . "에서 오류발생: 잔액이 0보다 값이 정의 되었습니다.");
+            throw new RuntimeException(static::class . '->' . __FUNCTION__ . "에서 오류발생: 잔액({$formDatas['balance']})이 0보다 작은 값이 정의되었습니다.");
         }
         //고객 잔액 갱신
         service('customer_clientservice')->modify_process($clientEntity, [self::CLIENTINFO_BALANCE_FIELD => $formDatas['balance']]);
diff --git a/app/Services/Customer/Wallet/CouponService.php b/app/Services/Customer/Wallet/CouponService.php
index b386739..33fbaec 100644
--- a/app/Services/Customer/Wallet/CouponService.php
+++ b/app/Services/Customer/Wallet/CouponService.php
@@ -5,7 +5,6 @@ namespace App\Services\Customer\Wallet;
 use App\DTOs\Customer\Wallet\CouponDTO;
 use App\Entities\Customer\ClientEntity;
 use App\Entities\Customer\Wallet\CouponEntity;
-use App\Entities\PaymentEntity;
 use App\Forms\Customer\Wallet\CouponForm;
 use App\Helpers\Customer\Wallet\CouponHelper;
 use App\Models\Customer\Wallet\CouponModel;
@@ -139,22 +138,27 @@ class CouponService extends WalletService
         return parent::deposit_process($clientEntity, $formDatas);
     }
     //결제 관련 쿠폰 사용 처리
-    protected function withdrawalByPayment_process(ClientEntity $clientEntity, PaymentEntity $paymentEntity, array $formDatas): array
+    protected function withdrawal_process(ClientEntity $clientEntity, array $formDatas): array
     {
-        $amount = $paymentEntity->getAmount();
-        $balance = $clientEntity->getCouponBalance();
-        if ($balance < $amount) {
+        if (!array_key_exists('amount', $formDatas)) {
+            throw new RuntimeException(static::class . '->' . __FUNCTION__ . "에서 오류발생: 출금액이 정의되지 않았습니다.");
+        }
+        if ($clientEntity->getCouponBalance() < $formDatas['amount']) {
             throw new RuntimeException(sprintf(
-                "%s 에서 오류발생: 사용쿠폰 수량(%s) , %s 고객의 잔여쿠폰 수량(%s)이 부족합니다.",
+                "%s 에서 오류발생: 사용쿠폰 수량(%s) , %s 잔여쿠폰 수량(%s)이 부족합니다.",
                 static::class . '->' . __FUNCTION__,
-                number_format($amount),
+                number_format($formDatas['amount']),
                 $clientEntity->getTitle(),
-                number_format($balance)
+                number_format($clientEntity->getCouponBalance())
             ));
         }
         //최종처리
-        $formDatas['cnt'] = $amount;
-        $formDatas['balance'] = $balance - $amount;
-        return $formDatas;
+        $formDatas['balance'] = $clientEntity->getCouponBalance() - $formDatas['amount'];
+        if ($formDatas['balance'] < 0) {
+            throw new RuntimeException(static::class . '->' . __FUNCTION__ . "에서 오류발생: 잔여쿠폰수량({$formDatas['balance']})이 0보다 작은 값이 정의되었습니다.");
+        }
+        //고객 잔여쿠폰 갱신
+        service('customer_clientservice')->modify_process($clientEntity, [self::CLIENTINFO_BALANCE_FIELD => $formDatas['balance']]);
+        return parent::withdrawal_process($clientEntity, $formDatas);
     }
 }
diff --git a/app/Services/Customer/Wallet/PointService.php b/app/Services/Customer/Wallet/PointService.php
index a01da2c..b316434 100644
--- a/app/Services/Customer/Wallet/PointService.php
+++ b/app/Services/Customer/Wallet/PointService.php
@@ -5,7 +5,6 @@ namespace App\Services\Customer\Wallet;
 use App\DTOs\Customer\Wallet\PointDTO;
 use App\Entities\Customer\ClientEntity;
 use App\Entities\Customer\Wallet\PointEntity;
-use App\Entities\PaymentEntity;
 use App\Forms\Customer\Wallet\PointForm;
 use App\Helpers\Customer\Wallet\PointHelper;
 use App\Models\Customer\Wallet\PointModel;
@@ -13,6 +12,7 @@ use RuntimeException;
 
 class PointService extends WalletService
 {
+    const CLIENTINFO_BALANCE_FIELD = 'point_balance';
     private $_form = null;
     private $_helper = null;
     public function __construct(PointModel $model)
@@ -122,23 +122,28 @@ class PointService extends WalletService
     //FormFilter 조건절 처리
     //검색어조건절처리
 
-    //결제 관련 출금 처리
-    protected function withdrawalByPayment_process(ClientEntity $clientEntity, PaymentEntity $paymentEntity, array $formDatas): array
+    //결제 관련 포인트 사용 처리
+    protected function withdrawal_process(ClientEntity $clientEntity, array $formDatas): array
     {
-        $amount  = $paymentEntity->getAmount();
-        $balance = $clientEntity->getPointBalance();
-        if ($balance < $amount) {
+        if (!array_key_exists('amount', $formDatas)) {
+            throw new RuntimeException(static::class . '->' . __FUNCTION__ . "에서 오류발생: 사용포인트가 정의되지 않았습니다.");
+        }
+        if ($clientEntity->getPointBalance() < $formDatas['amount']) {
             throw new RuntimeException(sprintf(
-                "%s 에서 오류발생: 사용포인트(%s) , %s 고객의 포인트(%s)가 부족합니다.",
+                "%s 에서 오류발생: 사용포인트(%s) , %s 잔여포인트(%s)가 부족합니다.",
                 static::class . '->' . __FUNCTION__,
-                number_format($amount),
+                number_format($formDatas['amount']),
                 $clientEntity->getTitle(),
-                number_format($balance)
+                number_format($clientEntity->getPointBalance())
             ));
         }
         //최종처리
-        $formDatas['amount']  = $amount;
-        $formDatas['balance'] = $balance - $amount;
-        return $formDatas;
+        $formDatas['balance'] = $clientEntity->getPointBalance() - $formDatas['amount'];
+        if ($formDatas['balance'] < 0) {
+            throw new RuntimeException(static::class . '->' . __FUNCTION__ . "에서 오류발생: 잔여포인트({$formDatas['balance']})가 0보다 작은 값이 정의되었습니다.");
+        }
+        //고객 잔여포인트 갱신
+        service('customer_clientservice')->modify_process($clientEntity, [self::CLIENTINFO_BALANCE_FIELD => $formDatas['balance']]);
+        return parent::withdrawal_process($clientEntity, $formDatas);
     }
 }
diff --git a/app/Services/Customer/Wallet/WalletService.php b/app/Services/Customer/Wallet/WalletService.php
index 56d2dec..759c120 100644
--- a/app/Services/Customer/Wallet/WalletService.php
+++ b/app/Services/Customer/Wallet/WalletService.php
@@ -58,7 +58,7 @@ abstract class WalletService extends CustomerService
         $formDatas['issue_at'] = array_key_exists('issue_at', $formDatas) ? $formDatas['issue_at'] : date('Y-m-d');
         return $formDatas;
     }
-    //결제관련 출금 처리
+    //결제관련 출금 처리(결제를 통해서만 호출되므로 action_init_process로 fields,rules 초기화 필요)
     final public function withdrawalByPayment(PaymentEntity $paymentEntity): void
     {
         //고객 정보
@@ -72,7 +72,8 @@ abstract class WalletService extends CustomerService
             'amount'         => $paymentEntity->getAmount(),
             'status'         => STATUS['WITHDRAWAL'],
         ];
-        $this->withdrawal_process($clientEntity,  $formDatas);
+        //초기화
+        $this->action_init_process('create');
         $this->create_process($formDatas);
     }
 }