Mobile communication device and method for mobile payment using the mobile communication device

A mobile communication terminal and a mobile electronic payment service usage method using the mobile communication terminal are provided to receive functions of an IC(Integrated Circuit) chip which offers already spread RF(Radio Frequency) functions, thereby ensuring continuity of a mobile electronic payment service. A connection sensor(130) senses whether an external chip is connected. A switching unit(140) sets a signal delivery path from the external chip according to the sensed results. An antenna unit(150) delivers signals received from the external chip through the set signal delivery path. An embedded short-range RF communication unit(120) provides RF communication functions. The external chip is a USIM(Universal Subscriber Identity Module) card.