PROCESS AND SYSTEM FOR REMOTE PAYMENTS AND TRANSACTIONS IN REAL TIME BY MOBILE TELEPHONE

1. A system for processing payments and transactions between payers (13) and payees (27, 29, 14, 14a, 13a, 46) associated to the system, using at least one communication by means of digital mobile telephony, the system comprising a first server (20) interconnected with telecommunication means (18, 19, 28, 47) with first data storage means (22), and including account management means (20e) that process first data of an account of each associated payer (13) and second data of an account of each associated payee (27, 29, 14, 14a, 40, 46); wherein the first telecommunication means (18, 19, 28, 47) selectively communicate the first server (20) with a digital mobile telephone unit (16) identified by an admissible telephone number of an associated payer (13) and with a telecommunication terminal (15, 15a, 27, 29, 41, 46) identified by an admissible identification code of an associated payee (27, 29, 14, 14a, 40, 46); the telecommunication means (18, 19, 28, 47) comprising a plurality of telecommunication equipment (18, 19); the first data storage means (22) contain first information on each associated payer (13), said first information comprising at least the admissible telephone number, at least a pre-established authorization criterion for authorizing at least one transaction that requires a payment from the associated payer's (13) account and at least a safety criterion associated univocally to the associated payer's (13) telephone number, as well as some second information on each associated payee (27, 29, 14, 14a, 40, 46) that comprises at least the admissible identification code; the first server (20) comprising first verifying means (20a) for verifying in the data storage means (22) whether a first message received through the telecommunication means (18, 19, 28, 47) contains an admissible telephone number of an associated payer (13) and an admissible identification code of an associated payee (27, 29, 14, 14a, 40, 46), said first verifying means (20a) generating a first acceptance message when they detect an admissible identification code and an admissible telephone number; second verifying means (20b) for verifying in the data storage means (22) whether a transaction authorization request received through the telecommunication means (18, 19, 28, 47) in addition to the admissible telephone number detected by the first verifying means, satisfies said pre-established authorization criterion, said second verifying means (20b) generating a second acceptance m