Method and apparatus for electronic payment authentication service using accessory electronic device

An accessory electronic device comprising:

• at least one sensor;
• a communication module comprising at least one communication circuit;
• memory, comprising one or more storage media, storing instructions;
• and
• one or more processors communicatively coupled to the at least one sensor, the communication module, and the memory,
• wherein the instructions, when executed by the one or more processors individually or collectively, cause the accessory electronic device to:
• based on pairing with an electronic device through the communication module and detection of wearing of the accessory electronic device through the at least one sensor, generate a first authentication token, store the first authentication token in the memory, and transmit the first authentication token to the electronic device through the communication module,
• upon receiving a second authentication token for an electronic payment request from the electronic device, provide a notification of user authentication request information for the electronic payment request, based on the first authentication token being identical to the second authentication token,
• determine whether user authentication is successful based on user authentication information detected through the at least one sensor, and
• transmit user authentication success information for the electronic payment request to the electronic device through the communication module in a case where user authentication is successful, or transmit user authentication failure information to the electronic device through the communication module in a case where user authentication fails.

A method for an electronic payment service of an electronic device using an accessory electronic device, the method comprising:

• generating a first authentication token through a device manager associated with the accessory electronic device, based on pairing between the accessory electronic device and an electronic device and receiving information on detection of wearing of the accessory electronic device from the accessory electronic device;
• transmitting the generated first authentication token to an electronic payment application;
• upon receiving an electronic payment service request from the electronic payment application, requesting an authentication token from the accessory electronic device to receive a second authentication token from either the accessory electronic device or the device manager;
• in a case where the first authentication token stored in the electronic payment application is identical to the second authentication token transmitted from either the accessory electronic device or the device manager, requesting user authentication for electronic payment from the accessory electronic device;
• and
• determining whether user authentication is successful based on user authentication information received from the accessory electronic device.