Mobile commerce system and method for mobile terminal

The invention had the present invention relates to mobile payment method and system for a mobile terminal, in the case of the prior art, to use the accumulated points to be accumulated during the electronic payment because applying another point each areas difficult to liquidate this problem. The present invention considering the above problems is to build a small change earning database for which the request for change for earning or payment, and connected to the portable terminal, and a mobile communication network will be informed of the total amount credited accordingly credited or billing the change of the portable terminal user and a billing management server that is, the payment-only terminals requesting the payment by when the transfer information of the portable terminal to a payment management server authenticated by the user requesting credited by inputting the credited amount, or type or payment amount, a mobile communication network when was credited with the change in the billing management it can be used to consist of a mobile communication service provider server to the user's subscription information Soso would have been more than a predetermined amount of the effect that can be used as a lump sum.