The present invention relates to a process for financial transactions based on a unique combination of a mobile phone number and a notification notification for identification, request and authorization of payments, comprising: (1) providing beneficiaries or recipients of payments and transfers the opportunity to seek or initiate payment and currency transfers from the payer or assignor ; (2) identification of different types of accounts or value storage items with the payer or assignor based on the registered telephone numbers of the payer or assignor; and (3) the use of notification notifications to search for and obtain permission from the payer or assignor using any of the device identifier and Internet connection, not relying or not acting without fail through the telephone network operator; or relying on unstructured supplementary service data (USSD) of the telephone network operator.
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