diff --git a/docs/레이아웃_조건부처리.md b/docs/레이아웃_조건부처리.md
new file mode 100644
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--- /dev/null
+++ b/docs/레이아웃_조건부처리.md
@@ -0,0 +1,32 @@
+# 레이아웃 조건부 처리 (RefValue)
+
+FlatReader에서 GROUP/GRID 항목의 조건부 처리를 위한 RefValue 설정 방법
+
+## 지원 조건
+
+| 표현식 | 의미 | 설명 |
+|--------|------|------|
+| `NM` | EQUALS | 값이 NM과 일치하는 경우 |
+| `NM\|EM` | OR | 값이 NM 또는 EM과 일치하는 경우 |
+| `!EM` | NOT | 값이 EM이 아닌 경우 |
+| `!NM\|EM` | NOT OR | 값이 NM도 아니고 EM도 아닌 경우 |
+
+## 레이아웃 설정 예시
+
+| 항목명 | 설명 | Depth | Type | Node | OccMin | Length | OccMax | RefPath | RefValue |
+|--------|------|-------|------|------|--------|--------|--------|---------|----------|
+| Message | 메시지부 | 1 | 3 | 0 | 1 | 0 | 1 | Message.Msg_Header.MSG_HEDR_KNCD | NM\|EM |
+| Msg_Header | 메시지헤더 | 2 | 3 | 0 | 1 | 0 | 1 | | |
+| MSG_HEDR_KNCD | 메시지헤더종류코드 | 3 | 2 | 1 | 1 | 2 | 1 | | NM |
+
+## 동작 설명
+
+위 예시에서 `Message` 항목은 `MSG_HEDR_KNCD` 값이 `NM` 또는 `EM`일 때만 처리됩니다.
+
+- `MSG_HEDR_KNCD = "NM"` → Message 처리됨
+- `MSG_HEDR_KNCD = "EM"` → Message 처리됨
+- `MSG_HEDR_KNCD = "XX"` → Message 스킵됨
+
+## 변경 파일
+
+- `elink-online-common/src/main/java/com/eactive/eai/message/parser/FlatReader.java`
diff --git a/src/main/resources/certificate/KJBank-oAuth-dev.jks b/src/main/resources/certificate/KJBank-oAuth-dev.jks
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index ec007ca..0000000
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diff --git a/src/main/resources/certificate/KJBank-oAuth-dev.pub b/src/main/resources/certificate/KJBank-oAuth-dev.pub
deleted file mode 100644
index ef63b00..0000000
--- a/src/main/resources/certificate/KJBank-oAuth-dev.pub
+++ /dev/null
@@ -1,9 +0,0 @@
------BEGIN PUBLIC KEY-----
-MIIBIjANBgkqhkiG9w0BAQEFAAOCAQ8AMIIBCgKCAQEAzY3zugQeOrTkol2fHIhD
-/S8FqvNX6ijrU7v8wEnaIYVG1ay6ehAmlg6dc7J0Bvf1Ed5EvbDEI+4sa8n6egWa
-zHSL4GXQXj9QFZGvRRah6nPhYiAvbLqHPwvG4QreIwx1Yt4tx63m8gFid6QjEsZP
-DbWeX6bXW1scR+qtztkq2CGvOHlej5JHsdP350hH3Hq2sxdmTHurVwFJdfzBwDkU
-MJlLwIEkkbACK1hrQhrEf1uKX8HtxrozSS8sso4wFrOPe8u/ykqYmSPlSfUsPvNr
-cK/VroyX63RAE+giH84Y8mSHLr+mfEG3AhdJ1+ZqB9jBunTZDiGKn00mT4jJLwgr
-BwIDAQAB
------END PUBLIC KEY-----
diff --git a/src/main/resources/certificate/kjbank-oauth-dev.jks b/src/main/resources/certificate/kjbank-oauth-dev.jks
new file mode 100644
index 0000000..53f814c
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diff --git a/src/main/resources/certificate/kjbank-oauth-dev.pub b/src/main/resources/certificate/kjbank-oauth-dev.pub
new file mode 100644
index 0000000..2460536
--- /dev/null
+++ b/src/main/resources/certificate/kjbank-oauth-dev.pub
@@ -0,0 +1,9 @@
+-----BEGIN PUBLIC KEY-----
+MIIBIjANBgkqhkiG9w0BAQEFAAOCAQ8AMIIBCgKCAQEAhXoqB4PrgZpJISjBe9ht
+Y1R3Ne9ehxugWucwA4cBWAnYwvmrRAK0p8p+HuDikdZPq2hyAG02ucNt9xoru+Va
+K4spNGieORbh0hmLRdvVBBM7Ureia3WhKED5abNnnPQw+jCLZNVYtO9rbtRhpUEG
+t73sN1+0bOZlVBkbLenvWKJs2+tyE0gHhwgS8Fzrb++LHYN/c0KoTm+G9ITuPWoM
+Vu/iME5WHqR95TkLKpx6s5J/le4BvncQDmkvKFIX9/DFN57orXQVB2lzDF8fMeWC
+xaaHXtgfo2ercKKEdHQ5GFIgWN8+j2ZgU2JqfucazJpOpOGcizHiQKzh//NE7beD
+IwIDAQAB
+-----END PUBLIC KEY-----
diff --git a/src/main/resources/certificate/product/KJBank-oAuth-prod.jks b/src/main/resources/certificate/product/KJBank-oAuth-prod.jks
deleted file mode 100644
index f8af8d5..0000000
Binary files a/src/main/resources/certificate/product/KJBank-oAuth-prod.jks and /dev/null differ
diff --git a/src/main/resources/certificate/product/KJBank-oAuth-prod.pub b/src/main/resources/certificate/product/KJBank-oAuth-prod.pub
deleted file mode 100644
index 837a236..0000000
--- a/src/main/resources/certificate/product/KJBank-oAuth-prod.pub
+++ /dev/null
@@ -1,9 +0,0 @@
------BEGIN PUBLIC KEY-----
-MIIBIjANBgkqhkiG9w0BAQEFAAOCAQ8AMIIBCgKCAQEA8M6NO6KfKRTwwOfZ/slx
-fT/4vPzr1zXvgTHoVq/dyoCk8OeVS0OOJXln7ZqDPkKSlfd1X1fdDaEOfLJXfvPC
-Hz7AOTBdr1/Y+Ro4slflO8d9/HbNkUZQTsbS/JqnpD20isP+sSJXHVOq5zEa4bbC
-tGcpDIwoOIWqoCAA++jUSKhMZEiag5hWKUBi3wpLLjHiKtk9NZxvfCJO6GMJpN1c
-O37cnudSan+oDGn3Twb579pK+gG3UZejQABhrqkv63MhMLrl74tXbHL9HX9shJjQ
-zq8SQn2k/RbwLVE+USuDmN8BZkVmtQZRirr3d8yT+BlpgodeqMX8PYcztV+4VTvl
-swIDAQAB
------END PUBLIC KEY-----
diff --git a/src/main/resources/certificate/product/kjbank-oauth-prod.jks b/src/main/resources/certificate/product/kjbank-oauth-prod.jks
new file mode 100644
index 0000000..1a62bde
Binary files /dev/null and b/src/main/resources/certificate/product/kjbank-oauth-prod.jks differ
diff --git a/src/main/resources/certificate/product/kjbank-oauth-prod.pub b/src/main/resources/certificate/product/kjbank-oauth-prod.pub
new file mode 100644
index 0000000..bcc4c1f
--- /dev/null
+++ b/src/main/resources/certificate/product/kjbank-oauth-prod.pub
@@ -0,0 +1,9 @@
+-----BEGIN PUBLIC KEY-----
+MIIBIjANBgkqhkiG9w0BAQEFAAOCAQ8AMIIBCgKCAQEAqCW0auFk5bqt7OZ2AtFw
+xa/se93/hgNwDNC1kxKZpnvNM5YVj5gjlf0jOSVGNJlFTVvjIBcyPC7s1zlFDhgm
+ebUKplRuw82lkIkS7mPjsqfPvMQlFjjLgrnECQ3AD86EkRcUT/bVliOtwLY6YJUa
+5/1eqZCIRfLPVxOApSHuQLJ9JmSPhttwfKwTED3G2dB85D+QN5+Nre5nnWDjMScT
+KOcyUZHOLO6m0UupBYU94XGJG4EEMwzSE/Lq1eJ49/wUsvaKY6Kz5G30d/ANwRZI
+ex82Wp91ZPOasKKOB6vnQ/LNcMhhyYf6IzCliMUUFl53YeheXmvfWX6VLfWgjlLk
+HQIDAQAB
+-----END PUBLIC KEY-----