Payment method and payment server using dummy card

According to one embodiment of the present invention, in the way the payment server, using the dummy card matching the plurality of card performing a payment, receiving the information of the dummy card from the user terminal and a plurality of card issuing machine to the user the step of matching; Receiving a payment request using said dummy card from the merchant terminal; And the extracts according to at least any one of a predetermined condition of the plurality of the card matching the dummy card, a payment method is provided using a dummy card comprising the step of performing the payment process through the extracted card.