openssl SSL_accept() error 문의 드립니다.

openssl programming 하는데에 있어서 오류에 대한 문의드립니다.
혹, 아시는 분 있으시면 답변 부탁드립니다.

하고자 하는 내용은 PSK of TLS handshake 입니다.
환경: Linux (gcc 4.8.5)
openssl 1.1.1d

case1)
server: openssl s_server -nocert -psk 12345678abcd -accept 34567 -state -debug -tls1_2
client: openssl s_client -connect 10.10.1.46:34567 -psk 12345678abcd -debug -state -tls1_2
==> 정상동작 확인
client hello ->
<- server hello, key exchange, hello done
client key exchange ->
change cipher spec, encrypted handshake message ->
<- New Session ticket, change cipher spec, encrypted msg

case2)
server: 자체 구현 binary
client: openssl s_client -connect 10.10.1.46:34567 -psk 12345678abcd -debug -state -tls1_3
==> 정상동작 확인
client hello ->
<- hello retry request, change cipher spec
change cipher spec, client hello ->
<- server hello, app data, app data

case3)
server: 자체 구현 binary
client: openssl s_client -connect 10.10.1.46:34567 -psk 12345678abcd -debug -state -tls1_2
==>
client hello ->
<- server hello, key exchange, hello done
client key exchange ->
change cipher spec, encrypted handshake message ->
<- Alert(Fatal, Description: Bad Record MAC)

(TLS_Accept:: SSL_accept() fail. SSL_ERROR(1) ERR_STR(46966010660928:error:1408F119:SSL routines:ssl3_get_record:decryption failed or bad record mac:ssl/record/ssl3_record.c:677:)

Server code 내용입니다.
감사합니다.

  const SSL_METHOD *meth = TLS_method();
 
  SSL_library_init ();
  SSL_load_error_strings ();
  SSLeay_add_ssl_algorithms();
  OpenSSL_add_all_algorithms();
 
  ctx = SSL_CTX_new( meth );
  SSL_CTX_set_options(ctx,
            SSL_OP_ALL | SSL_OP_NO_SSLv2 | SSL_OP_NO_SSLv3 |
            SSL_OP_NO_TLSv1 | SSL_OP_NO_TLSv1_1 |
            SSL_OP_NO_COMPRESSION |
            SSL_OP_NO_SESSION_RESUMPTION_ON_RENEGOTIATION);
 
  SSL_CTX_set_psk_server_callback(ctx, tls_psk_server_cb);
  SSL_CTX_use_psk_identity_hint(ctx, my_psk_id);
  SSL_CTX_set_psk_find_session_callback(ctx, psk_find_session_cb);
  SSL_CTX_set_session_id_context(ctx, ... );
 
  tcp_listen();
  accept();
  ssl = SSL_new(ctx);
  SSL_set_fd(ssl, nfd)
 
  TLS_Accept(ssl);
  ...