feat: add payment card grouping and analysis

lib/services/sms_scanner.dart

@@ -8,11 +8,13 @@ import '../temp/test_sms_data.dart';
 import '../services/subscription_url_matcher.dart';
 import '../utils/platform_helper.dart';
 import '../utils/business_day_util.dart';
+import '../services/sms_scan/sms_scan_result.dart';
+import '../models/payment_card_suggestion.dart';
 
 class SmsScanner {
   final SmsQuery _query = SmsQuery();
 
-  Future<List<SubscriptionModel>> scanForSubscriptions() async {
+  Future<List<SmsScanResult>> scanForSubscriptions() async {
     try {
       List<dynamic> smsList;
       Log.d('SmsScanner: 스캔 시작');
@@ -39,7 +41,7 @@ class SmsScanner {
       }
 
       // SMS 데이터를 분석하여 반복 결제되는 구독 식별
-      final List<SubscriptionModel> subscriptions = [];
+      final List<SmsScanResult> subscriptions = [];
       final serviceGroups = _groupMessagesByIdentifier(smsList);
 
       Log.d('SmsScanner: 그룹화된 키 수: ${serviceGroups.length}');
@@ -52,12 +54,12 @@ class SmsScanner {
           continue;
         }
 
-        final subscription =
+        final result =
             _parseSms(repeatResult.baseMessage, repeatResult.repeatCount);
-        if (subscription != null) {
+        if (result != null) {
           Log.i(
-              'SmsScanner: 구독 추가: ${subscription.serviceName}, 반복 횟수: ${subscription.repeatCount}');
-          subscriptions.add(subscription);
+              'SmsScanner: 구독 추가: ${result.model.serviceName}, 반복 횟수: ${result.model.repeatCount}');
+          subscriptions.add(result);
         } else {
           Log.w('SmsScanner: 구독 파싱 실패: ${entry.key}');
         }
@@ -99,7 +101,7 @@ class SmsScanner {
 
   // (사용되지 않음) 기존 단일 메시지 파서 제거됨 - Isolate 배치 파싱으로 대체
 
-  SubscriptionModel? _parseSms(Map<String, dynamic> sms, int repeatCount) {
+  SmsScanResult? _parseSms(Map<String, dynamic> sms, int repeatCount) {
     try {
       final serviceName = sms['serviceName'] as String? ?? '알 수 없는 서비스';
       final monthlyCost = (sms['monthlyCost'] as num?)?.toDouble() ?? 0.0;
@@ -150,7 +152,7 @@ class SmsScanner {
       adjustedNextBillingDate =
           BusinessDayUtil.nextBusinessDay(adjustedNextBillingDate);
 
-      return SubscriptionModel(
+      final model = SubscriptionModel(
         id: DateTime.now().millisecondsSinceEpoch.toString(),
         serviceName: serviceName,
         monthlyCost: monthlyCost,
@@ -162,11 +164,84 @@ class SmsScanner {
         websiteUrl: _extractWebsiteUrl(serviceName),
         currency: currency, // 통화 단위 설정
       );
+
+      final suggestion = _extractPaymentCardSuggestion(message);
+      return SmsScanResult(
+        model: model,
+        cardSuggestion: suggestion,
+        rawMessage: message,
+      );
     } catch (e) {
       return null;
     }
   }
 
+  PaymentCardSuggestion? _extractPaymentCardSuggestion(String message) {
+    if (message.isEmpty) return null;
+    final issuer = _detectCardIssuer(message);
+    final last4 = _detectCardLast4(message);
+    if (issuer == null && last4 == null) {
+      return null;
+    }
+    return PaymentCardSuggestion(
+      issuerName: issuer ?? '결제수단',
+      last4: last4,
+      source: 'sms',
+    );
+  }
+
+  String? _detectCardIssuer(String message) {
+    final normalized = message.toLowerCase();
+    const issuerKeywords = {
+      'KB국민카드': ['kb국민', '국민카드', 'kb card', 'kookmin'],
+      '신한카드': ['신한', 'shinhan'],
+      '우리카드': ['우리카드', 'woori'],
+      '하나카드': ['하나카드', 'hana card', 'hana'],
+      '농협카드': ['농협', 'nh', '농협카드'],
+      'BC카드': ['bc카드', 'bc card'],
+      '삼성카드': ['삼성카드', 'samsung card'],
+      '롯데카드': ['롯데카드', 'lotte card'],
+      '현대카드': ['현대카드', 'hyundai card'],
+      '씨티카드': ['씨티카드', 'citi card', 'citibank'],
+      '카카오뱅크': ['카카오뱅크', 'kakaobank'],
+      '토스뱅크': ['토스뱅크', 'toss bank'],
+      'Visa': ['visa'],
+      'Mastercard': ['mastercard', 'master card'],
+      'American Express': ['amex', 'american express'],
+    };
+
+    for (final entry in issuerKeywords.entries) {
+      final match = entry.value.any((keyword) => normalized.contains(keyword));
+      if (match) {
+        return entry.key;
+      }
+    }
+
+    return null;
+  }
+
+  String? _detectCardLast4(String message) {
+    final patterns = [
+      RegExp(r'\*{3,}\s*(\d{4})'),
+      RegExp(r'끝번호\s*(\d{4})'),
+      RegExp(r'마지막\s*(\d{4})'),
+      RegExp(r'\((\d{4})\)'),
+      RegExp(r'ending(?: in)?\s*(\d{4})', caseSensitive: false),
+    ];
+
+    for (final pattern in patterns) {
+      final match = pattern.firstMatch(message);
+      if (match != null && match.groupCount >= 1) {
+        final candidate = match.group(1);
+        if (candidate != null && candidate.length == 4) {
+          return candidate;
+        }
+      }
+    }
+
+    return null;
+  }
+
   // 다음 결제일 계산 (현재 날짜 기준으로 조정)
   DateTime _calculateNextBillingDate(
       DateTime billingDate, String billingCycle) {