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Merge pull request '결제 전환 목표 아키텍처 정의 (2/2)' (#1) from forge/iss-478981daa4be-attempt-1-run-c0b7e9d69a7a into main

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# iss-478981daa4be-attempt-1-run-c0b7e9d69a7a
Forge 이슈 작업 브랜치 `forge/iss-478981daa4be-attempt-1-run-c0b7e9d69a7a`.

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```mermaid
sequenceDiagram
participant User
participant PaymentGateway
participant Database
%% 정상 흐름 %%
User->>PaymentGateway: 결제 요청
PaymentGateway->>User: 결제 승인
User->>Database: 거래 기록 저장
Database-->>User: 거래 성공
%% 커밋 %%
User->>Database: 커밋
Database-->>User: 커밋 완료
%% 외부 실패 %%
User->>PaymentGateway: 결제 요청
PaymentGateway-->>User: 결제 실패
%% 롤백 %%
User->>Database: 롤백
Database-->>User: 롤백 완료
%% DB 실패 %%
User->>PaymentGateway: 결제 요청
PaymentGateway->>User: 결제 승인
User->>Database: 거래 기록 저장
Database-->>User: DB 오류
%% 롤백 %%
User->>Database: 롤백
Database-->>User: 롤백 완료
```