US Patent 11074581 Electronic device and user authentication method thereof

An electronic device is provided. The electronic device includes a communication module, a memory configured to store payment information registered in a payment application, and a processor. The processor is configured to select at least one of a plurality of authentication servers based on the payment information, receive authentication information from the at least one authentication server by using the communication module, select at least one payment information of the payment information registered in the payment application based on a user input, select first authentication information, which corresponds to the selected payment information, from among the authentication information, and send second authentication information, which is generated based on the selected first authentication information, to the at least one authentication server corresponding to the selected first authentication information.