The present invention is to provide individual and payment information to a service server by recognizing whether the service server is to be trusted when individual identification information provided by a user is received from the service server. So, the invention provides an authentication method of the service server and a payment method by using the same, which can prevent the individual identification information and payment from being accessed by a distrusted server in wireless Internet. This present comprises acts of: storing individual identification information provided from a user in an authentication server; authenticating the service server when request of the stored individual identification information is received from the service server, and transmitting the stored individual identification information to the service server when the authentication has succeeded; transmitting a message of requesting a service access to a mobile terminal of the user from the service server; and transmitting the individual identification information sent from the authentication server to the mobile terminal by means of a transmitting query of the individual identification information from the mobile terminal.