The present invention relates to a smart shopping method using a user terminal, which enables a user to in advance check, set up, and store use information of all sorts of available benefit means, and then present only a transaction serial number to the terminal of an affiliated store when the user makes payment, so as to apply all benefit means easily. Also, the method enables the user of a user terminal to quickly and conveniently shop by presenting a payment serial number together with the transaction serial number, and then performing a mobile payment to which the benefit means are applied only by presenting the user terminal.