RU2009103913A - WAYS AND SYSTEMS FOR FINANCIAL TRANSACTIONS IN MOBILE COMMUNICATION - Google Patents

Abstract

 1. A method of making a mobile financial payment using a mobile device connected to exchange information with a wireless network, comprising the steps of:! prepare a system of mobile financial transactions (MFTS), connected, for wireless exchange of information, with a user's mobile device using a mobile service provider (MCSP), MFTS is connected, for electronic exchange of information, with one or more recipients of payment orders that can make a payment to the payee on behalf of the user, MFTS includes a database of a mobile financial transaction system (MFTS) for storing user information, payment information for production, ass tsiativno related to one or more recipients of payment orders and / or payees, and payment information sources associated with the at least one account associated with the at least one financial service provider; ! accept payment information for production in the MFTS corresponding to the payment to be made by the user to the payee; ! generate summary information about payments for production in the MFTS based on information about payments for production, a summary of payments for production contains a predetermined selected subset of information about payments for production; ! wirelessly transmit payment summary information for production from MFTS to a user mobile device via MCSP; ! display information corresponding to one or more selectable payments for making

Claims (64)

1. A method of making a mobile financial payment using a mobile device connected to exchange information with a wireless network, comprising the steps of: prepare a system of mobile financial transactions (MFTS), connected, for wireless exchange of information, with a user's mobile device using a mobile service provider (MCSP), MFTS is connected, for electronic exchange of information, with one or more recipients of payment orders that can make a payment to the payee on behalf of the user, MFTS includes a database of a mobile financial transaction system (MFTS) for storing user information, payment information for production, ass tsiativno related to one or more recipients of payment orders and / or payees, and payment information sources associated with the at least one account associated with the at least one financial service provider; accept payment information for production in the MFTS corresponding to the payment to be made by the user to the payee; generate summary information about payments for production in the MFTS based on information about payments for production, a summary of payments for production contains a predetermined selected subset of information about payments for production; wirelessly transmit payment summary information for production from MFTS to a user mobile device via MCSP; display information corresponding to one or more selectable payments for production on the user mobile device, one or more selectable payments for production include summary information about payments for production associated with the payee; on the user’s mobile device, user input corresponding to the choice of payment for production and the choice of source of payment for payment is received; on a user’s mobile device, in response to user input, a mobile payment order is generated containing information corresponding to the selected payment for production and the selected payment source for the payment corresponding to the selected payment for production; wirelessly transmit the mobile payment order from the user mobile device to the MFTS; in MFTS and in response to receiving a mobile payment order, extract information from the MFTS database corresponding to the identified payee to receive the payment indicated by the mobile payment order and information corresponding to the selected account from the selected financial services provider identified in the mobile payment order; MFTS generates and transfers the MFTS payment order to the recipient of the payment order, the MFTS payment order includes at least information identifying the selected account with the selected financial services provider, the amount and information corresponding to the identified payee; and transmit the MFTS payment order from the MFTS to the selected recipient of the payment order; therefore, the recipient of the payment order, in response to receiving the payment order MFTS, makes the payment to the identified payee, and the payment information for the production contains an invoice for payment, and the payee is the invoicing entity, and the recipient of the payment order is one of a financial service provider, a billing aggregator, or a separate billing entity, and information about payments for production is supplied to MFTS is an external source, entered by the user through an Internet site accessible by the user to enter payment information for production and information about the payee, or entered by the user on a mobile device, and the external source for payment information for production is one or more of the system presentation of invoices for payment, which delivers information about invoices for payment from a variety of invoicing entities for payment, or by a separate invoicing entity, wherein information about payments for production contains information corresponding to one or more of the following: a periodic invoice payable, an invoice payable from a billing aggregator payable, an invoice payable from a separate invoicing company payable, a “pay to anyone” payment, the information corresponding to one or more payments for production, displayed on a user’s mobile device, contains summary information about accounts payable, and the step of displaying information corresponding to one or more payments for production, on a user’s mobile device, is provided in response to the user activating the function “View invoices for payment”, and the step of displaying information corresponding to one or more payments for production on a user’s mobile device is provided in response to receiving, on a mobile device, a text message from the MFTS, the method comprising the step of preparing a Mobile Wallet application on a user mobile device, wherein Mobile wallet deployment involves displaying on a mobile device selectable commands, including one or more of the command View invoices for payment, the command View sources of payments and the commands Pay invoice (a), and user input corresponding to the choice of payment for production is provided in response to display the command View invoices for payment, and activation by the user of the selected command View invoices for payment prompts MFTS to extract information about invoices for payment from the system by presenting billing accounts and transferring the summary information on billing accounts to a mobile device after receiving such information from the billing system, the user input corresponding to the choice of a payment source for making a payment is provided in response to the Display payment sources command, and the choice the source of payment for the payment includes the selection of the financial services provider and the selection of a specific account associated with the selected financial services provider, d To make a payment, and the user’s activation of the View Payment Sources command prompts MFTS to retrieve current account information from one or more financial service providers and transfer current account information to a mobile device after receiving such information from one or more financial service providers, and the identified payee corresponds to the invoicing entity that transmitted the invoice information to the MFTS, with summary payment information for production transferred to the mobile device consists of the identifier of the payee, the amount and payment term, and the mobile device uses the identifier of the payee in the summary information about payments for production and extracts information about the name of the payee from the local memory of the mobile device corresponding to the identified payee, and displays information about the name of the payee to the user, and the MFTS database stores transaction information corresponding to financial user transactions, transaction information includes information about payments for production in addition to other information used to track the status of payments for production, and information about transactions includes one or more of the following information elements: user ID number, transaction ID, the date of the accepted invoice for payment, the due date for the invoice for payment, the amount, the identifier of the financial services provider, the identifier of the account, the identifier of the payee, checkbox of a wait / completion sign, the method further comprising transmitting a payment confirmation message from the recipient of the payment order to the MFTS in response to completing the predetermined stage when making the payment, the method further comprising transmitting the payment confirmation message to the mobile device in response to receive a payment confirmation message from the recipient of the payment order, the method further comprising the steps of: on a user mobile device, user input corresponding to the choice of a payment method for making a payment is received; and on a user’s mobile device, in response to user input, information is included in the mobile payment order corresponding to the selected payment method, and the selected payment methods include: a recipient-defined method, ACH money transfer, paper check and a card with a fixed limit of funds (SV), wherein the MFTS is further connected, for electronic exchange of information, to a user's computer via a data network such as the Internet, and the method further comprises ie the steps of: Prepare an Internet application in association with the MFTS accept information about the user through an Internet application corresponding to financial service providers, accounts with financial service providers and payees; and storing user information entered through the Internet application in the MFTS database for use in connection with payments initiated by the user mobile device, the method further comprising retrieving and displaying transaction information corresponding to transactions conducted through the user mobile the device, through the Internet application, to the user through the user's computer, and the mobile financial payment includes the transfer of the balance from one account associated with the user, to another account, associative associated with the same user, and the method further comprises the steps of: storing a cached account balance in a mobile device representing a balance in at least one account as of a specific date; liaise with the financial services provider to obtain updated information on account balances for the account; wirelessly transmit updated account balance information from the MFTS to the user mobile device; and In response to receiving updated information about account balances from the MFTS, updated information about account balances corresponding to the account is displayed to the user via a mobile device. 2. A system for making a mobile financial payment using a mobile device connected, for the exchange of information, with a wireless network, comprising: a user mobile device connected, for wireless exchange of information, with a mobile financial transaction system (MFTS), a mobile device is operable to wirelessly receive summary information about payments for production from MFTS, display one or more selectable payments for production, display one or more selectable invoices for making a payment, accepting user input corresponding to choosing a payment for production and choosing a payment source for making a payment, forms Generating a mobile payment order for the MFTS indicating the payment to be made and wirelessly transferring the mobile payment order to the MFTS; a mobile financial transaction system (MFTS) database associated with the MFTS for storing user information, payment information for production, associated with one or more payees, and information about payment sources associated with at least one account associated with at least one financial provider of the user; a computer system of the mobile financial transaction system (MFTS) to maintain the MFTS database and conduct electronic exchange of information between entities involved in mobile financial payments; a mobile communication interface for connecting user mobile devices to the MFTS through a mobile service provider (MSCP); an interface for attaching MFTS to at least one recipient of a payment order; a billing interface for attaching the MFTS to at least one billing entity that provides information relevant to the payment to be made; and MFTS software operating in the MFTS computer system, containing a control program for performing computer-implemented steps: receiving payment information for production through the billing interface for payment corresponding to the payment to be made by the user to the payee; generating summary information about payments for production on the basis of information about payments for production related to the payment to be made; summary information about payments for production contains a predetermined selected subset of information about payments for production; wirelessly transmitting payment summary information for production from MFTS to a user mobile device via MCSP; in response to receiving a mobile payment order from a mobile device, extracting information from the MFTS database corresponding to the identified payee to receive the payment specified in the mobile payment order, and information corresponding to the selected account from the selected financial services provider identified in the mobile payment order; generation of the MFTS payment order to the recipient of the payment order, the MFTS payment order includes at least information identifying the selected account with the selected financial services provider, the amount and information corresponding to the identified payee; and transferring the MFTS payment order from the MFTS to the recipient of the payment order; therefore, the recipient of the payment order, in response to receiving the payment order MFTS, makes a payment to the identified payee using the selected account with the selected financial services provider, and information about payments for production contains an invoice for payment, and the recipient of the payment is invoicing an entity, the recipient of the payment order containing a financial services provider, a billing aggregator for payment, or a separate billing entity for payment a project, and information about payments for production is supplied to the MFTS by an external source, entered by the user through an Internet accessible site accessible by the user to enter payment information for production and information about the payee, or entered by the user on a mobile device, and the external source for information about payments for production is selected from the group consisting of: a system for presenting bills for payment, which delivers information about bills for payment from a variety of billing for payment subjects, or a separate invoice for payment by the subject, and information about payments for production contains information that corresponds to one or more of the following: periodic invoice for payment, invoice payable from the billing aggregator for payment, invoice for payment from a separate invoice for payment company, the payment is “pay anyone”, and the user’s mobile device displays information corresponding to one or more payments for production, in response to the activation of the “Pro look at invoices for payment ”, wherein the information corresponding to one or more payments for production displayed on a user’s mobile device contains summary information about payments for production, and the user’s mobile device displays information corresponding to one or more payments for production in response to receipt , on a mobile device, a text message from the MFTS, wherein the MFTS delivers the Mobile Wallet application for execution on the user mobile device, wherein Mobile wallet requires the display on the mobile device of selectable commands, including one or more of the command View invoices for payment, the commands View sources of payments and the commands Pay invoice (a), and user input corresponding to the choice of payment for production is provided in response to display the command View invoices for payment, and the user activating the selected command View invoices for payment encourages MFTS to extract payment information for production from the system presenting invoices for payment and transmitting information about payments for production to a mobile device after receiving such information from the system of presenting invoices for payment, with user input corresponding to the choice of a payment source for making a payment provided in response to the display of the View payment sources command, moreover, the choice of source a payment to make a payment includes selecting a financial service provider and selecting a specific account associated with the selected financial provider services, to make a payment, and the user’s activation of the View payment sources command prompts MFTS to retrieve current account information from one or more financial service providers and transfer current account information to a mobile device after receiving such information from one or more financial service providers, the identified payee corresponds to the invoicing entity that transmitted the invoice information to the MFTS, the payment information for the production transmitted to the mobile device via MFTS is limited by the payee identifier, amount and payment term, and the mobile device uses the payee identifier in the payment information for production and extracts the payee name information from the local memory of the mobile device corresponding to the identified payee, and displays information about the name of the payee to the user, and the MFTS database stores transaction information corresponding to To the user's financial transactions, the stored transaction information includes payment information for production in addition to other information used to track the payment status for production, the transaction information including one or more of a user ID number, transaction ID, date accepted invoice for payment, due date for invoice payable, amount, financial service provider identifier, account identifier, payee identifier, flag waiting / completion, and the system further comprises receiving in MFTS a payment confirmation message from the recipient of the payment order at a predetermined stage of completing the payment, the MFTS transmitting the payment confirmation message to the mobile device in response to receiving the payment confirmation message from the recipient of the payment order, the user mobile device accepts user input corresponding to the choice of payment method for making a payment; and in response to user input, the user’s mobile device includes information in the mobile payment order corresponding to the selected payment method, the selected payment methods include: the recipient-defined method, ACH funds transfer, paper check and card with a fixed limit of funds ( SV), moreover, the MFTS is additionally connected, for electronic exchange of information, with the user's computer via a data network such as the Internet, and further comprising a control an active program in the MFTS software containing an Internet application valid for receiving user information relevant to financial service providers, accounts with financial service providers and payees; and however, the MFTS is valid for storing user information entered via the Internet application in the MFTS database for use in connection with payments initiated by the user mobile device, the system further comprising a control program in the MFTS software for retrieving and displaying information about transactions corresponding to transactions conducted through a user’s mobile device, through an Internet application, to a user through a computer the holder, moreover, the mobile financial payment includes the transfer of the balance from one account associatively associated with the user to another account associatively associated with the same user, and the user’s mobile device stores a cached account balance in the mobile device, representing the balance at least at least one invoice as of a specific date; however, the MFTS communicates with the financial services provider to obtain updated information about account balances for the account and wirelessly transmits updated information about account balances from the MFTS to the user’s mobile device; and while in response to receiving updated information about account balances from MFTS, the mobile device displays updated information about account balances corresponding to the account to the user. 3. A method for making a mobile financial payment using a mobile device connected to exchange information with a wireless network, comprising the steps of: receiving summary information about payments for production from the mobile financial transaction system (MFTS), transmitted wirelessly to a mobile device through a mobile service provider, summary information about payments for production contains a predetermined selected subset of information about payments for production stored in the MFTS; display information corresponding to one or more selectable payments for production on the user mobile device, one or more selectable payments for production include summary information about payments for production received from the MFTS; display information corresponding to one or more selectable payment sources on a user’s mobile device, one or more selectable payment sources comprise financial service providers from which the user maintains at least one account selected for making a payment; accept user input corresponding to the choice of payment for production and the choice of source of payment for the payment; form a mobile payment order on a user mobile device containing information corresponding to the selected payment for production and the selected payment source for the payment corresponding to the selected payment for production; and wirelessly transmit the mobile payment order from the user mobile device to the MFTS, due to which, in response to a mobile payment order, the MFTS makes a payment to the identified payee, moreover, the information corresponding to one or more payments for production displayed on the user’s mobile device contains summary information about payments for production, and the information corresponding to one or more selectable payment sources displayed on a user’s mobile device contains summary information about payment sources, and information about payments for of production is supplied to the MFTS by an external source, entered by the user through an Internet site accessible by the user to enter payment information for production and information about the payee, or entered by the user on a mobile device, and the external source for payment information for production is selected from the group containing: a billing system that delivers information on bills from a variety of billing entities, or separately billing his account payable to the subject, and information about payments for production contains information that corresponds to one or more of the following: a periodic bill payable, a bill payable from a billing aggregator payable, a bill payable from a separate invoicing company payable, payment " pay to anyone ”, the step of displaying information corresponding to one or more payments for production on a user’s mobile device is provided in response to the user activating the“ View keep accounts for payment ”, the step of displaying information corresponding to one or more payments for production on a user’s mobile device is provided in response to receiving, on a mobile device, a text message from the MFTS, the method further comprising the step of preparing a Mobile Wallet application on a user’s mobile device, the Mobile Wallet application providing for displaying selectable commands on a mobile device, including one or more and commands View invoices for payment, teams View sources of payments and teams Pay invoice (a), and user input corresponding to the choice of payment for production is provided in response to the display of the command View invoices for payment, and the user activating the selected command View invoices for payment prompts MFTS retrieve information about payments for production from the billing system for payment and transfer information about payments for production to a mobile device after receiving such information billing system, the user input corresponding to the choice of a payment source for making a payment is provided in response to the Display payment sources command, and the choice of a payment source for making a payment includes choosing a financial services provider and choosing a specific account, associatively associated with the selected financial services provider to make a payment, and the user’s activation of the View payment sources command prompts MFTS to extract present current account information from one or more financial service providers and transmit current account information to a mobile device after receiving such information from one or more financial service providers, the identified payee corresponding to the invoicing entity that transmitted the invoice information to payment in MFTS, and information about payments for production transmitted to the mobile device from MFTS is limited to the identifier of the payee, the amount and due date, moreover, the mobile device uses the identifier of the payee in the payment information for production and extracts information about the name of the payee from the local memory of the mobile device corresponding to the identified payee, and displays information about the name of the payee to the user, the method further comprising receiving a message payment confirmation on a mobile device delivered via MFTS in response to the receipt of a payment confirmation message from the teacher of the payment order at a predetermined stage of completing the payment, the method further comprising the steps of accept user input corresponding to the choice of payment method for making payment; and in response to user input, information is included in the payment order corresponding to the selected payment method, the selected payment methods include: a recipient-defined method, ACH money transfer, a paper check and a card with a set limit of funds (SV), and mobile the financial payment includes the transfer of the balance from one account associatively associated with the user to another account associatively associated with the same user, the method further comprising nN, in which: storing a cached account balance in a mobile device representing a balance in at least one account as of a specific date; receive updated information about the account balances from the MFTS in the user mobile device; and In response to receiving updated information about account balances from the MFTS, updated information about account balances corresponding to the account is displayed to the user via a mobile device. 4. A mobile device for making mobile financial payment via a wireless network, comprising: a mobile device connected to wirelessly exchange information through a mobile service provider to a mobile financial transaction system (MFTS), the mobile device includes a display device, user input means, a processor and memory; and software of a mobile device operating in the processor of a mobile device containing a control program for performing computer-implemented steps: receiving payment summary information for production from the mobile financial transaction system (MFTS) wirelessly transmitted to the mobile device via the mobile service provider, payment summary information for production contains a predetermined selected subset of payment information for production stored in the MFTS; displaying information corresponding to one or more selectable payments for production on the display device of the mobile device, one or more selectable payments for production include summary information about payments for production received from the MFTS; displaying information corresponding to one or more selectable payment sources on a display device of a mobile device, one or more selectable payment sources comprise financial service providers from which the user supports at least one account selected for making a payment; receiving user input corresponding to the choice of payment for production and the selection of the source of payment for the payment; generation of a mobile payment order containing information corresponding to the selected payment for production and the selected payment source for the production of payment corresponding to the selected payment for production; and wirelessly transmitting the mobile payment order to the MFTS to make a payment to the identified payee, the information corresponding to one or more payments for production displayed on the user mobile device containing summary information about payments for production, the information corresponding to one or more selectable payment sources, displayed on the user’s mobile device contains summary information about the sources of payments, and information about Tezhe for production is supplied to the MFTS by an external source, entered by the user through an Internet site accessible by the user to enter payment information for production and information about the payee, or entered by the user on a mobile device, and the external source for payment information for production is selected from a group comprising: a billing system that delivers billing information from a variety of billing entities or a separate an invoice for payment by the subject, the information on payments for production containing information corresponding to one or more of the following: a periodic invoice payable, an invoice payable from a billing aggregator payable, an invoice payable from a separate invoicing company payable, a “pay to anyone” payment, and the step of displaying information corresponding to one or more payments for production is provided in response to activation the user of the function “View invoices for payment”, the step of displaying information corresponding to one or more payments for production is provided in response to receiving, on a mobile device, a text message from MFTS, moreover, the software of the mobile device contains the Mobile Wallet application, and the Mobile Wallet application provides for displaying the selected commands on the mobile device, including one or more of the command View invoices for payment, the command View payment sources, and the command Pay bill (a), moreover, user input corresponding to the choice of payment for production is provided in response to the display of the command View invoices for payment, and user activation is selected command View bills for payment encourages MFTS to extract payment information for production from the billing system for payment and transfer payment information for production to the mobile device after receiving such information from the billing system for payment, with user input corresponding to the choice of payment source for payment, provided in response to the display of the command View payment sources, and the choice of the source of payment for the payment includes the choice a financial service provider and selecting a specific account associated with the selected financial services provider to make a payment, and the user’s activation of the View payment sources command prompts MFTS to retrieve current account information from one or more financial service providers and transfer current account information to a mobile device after receiving such information from one or more financial service providers, and the identified payee corresponds to exhibiting to him, bills payable to the entity that transferred the information about bills to be paid to MFTS, and information about payments for production transmitted to the mobile device from MFTS is limited to the payee ID, amount and payment term, while the mobile device uses the payee identifier in the information about payments for production and extracts information about the name of the payee from the local memory of the mobile device corresponding to the identified payee, and displays information about and change the recipient of the payment to the user, the mobile device software being additionally valid for receiving the payment confirmation message delivered by the MFTS in response to receiving the payment confirmation message from the selected financial service provider at a predetermined stage of completing the payment, the mobile device software being additionally valid for : receiving user input corresponding to the choice of payment method for making a payment; and in response to user input, including information in the payment order corresponding to the selected method for making a payment, and the selected payment methods include: a method determined by the recipient, ACH money transfer, a paper check and a card with a fixed limit of funds (SV), and mobile a financial payment includes the transfer of the balance from one account associatively associated with the user to another account associatively associated with the same user, while the user’s mobile device roystvo stores a cached account balance in the mobile device representing the balance at least one account as of a particular date; while the mobile device receives updated information about account balances for the account; and in this case, in response to receiving updated information about account balances, the mobile device displays updated information about account balances corresponding to the account to the user. 5. A computer-implemented method for a mobile financial transaction system (MFTS) to facilitate mobile financial payment initiated by a mobile device connected to exchange information with a wireless network, comprising the steps of: preparing a database of a mobile financial transaction system (MFTS) for storing user information, payment information for production, and information about payment sources associated with at least one account associated with at least one financial service provider; accept information about payments for production corresponding to the payment to be made by the user of the mobile device to the payee; generate summary information about payments for production on the basis of a payment for production, summary information about payments for production contains a predetermined selected subset of information about payments for production; wirelessly transmit summary information about payments for production to a user’s mobile device; accept the payment order transmitted from the user’s mobile device, the payment order contains information corresponding to the selected payment for the production of the user and the selected payment source of the user for the payment corresponding to the selected payment for production; in response to receiving a payment order, extract information from the MFTS database corresponding to the identified payee to receive the payment indicated by the payment order and information corresponding to the recipient of the payment order to make the payment; form the payment order MFTS to the recipient of the payment order, the payment order MFTS includes at least information identifying the selected account with the selected financial services provider, the amount and information corresponding to the identified payee; and the MFTS payment order is transferred to the recipient of the payment order, and the payment information for the production contains an invoice for payment, and the recipient of the payment is the invoicing entity, and the recipient of the payment order is one of the financial services provider, billing aggregator for payment or a separate invoice to subject payment, and information on payments for production is supplied to the MFTS by an external source, entered by the user through the Internet It can be reached by the user to enter payment information for production and information about the payee, or entered by the user on a mobile device, the external source for payment information for production being one of the billing system that delivers information about bills from a plurality of invoicing entities for payment, or a single invoicing entity for payment, wherein information about payments for production contains information corresponding to one or more it consists of the following: a periodic invoice payable, an invoice payable from a billing aggregator payable, an invoice payable from a separate invoicing company payable, a “pay to anyone” payment, the method further comprising transmitting a text message to a user’s mobile the device in response to receiving invoice information for payment from the invoicing entity for payment, the method further comprising preparing a downloadable Mobile Wallet application for the user a mobile device to facilitate communication between mobile devices and the MFTS, the Mobile Wallet application providing for the display on the mobile device of selectable teams, including one or more of the View invoices for payment team, the View payment sources commands and the Pay invoice commands (a) moreover, the method further comprises the steps of extracting information about payments for production from the billing system for payment and transmitting information about payments for production to the mobile a device after receiving such information from a billing system in response to a user activating a select command View invoices for payment on a mobile device, the method further comprising the steps of extracting current account information from one or more financial service providers and transmitting the current information about accounts on a mobile device after receiving such information from one or more financial service providers in response to a user activating a team payment details on a mobile device, and the identified payee corresponds to the invoicing entity that transmitted the invoice information to the MFTS, and the payment information for production transmitted to the mobile device is limited to the payee ID, amount and payment term, and the MFTS database stores transaction information corresponding to the user's mobile financial transactions, transaction information includes payment information for production in addition to other information used to track the payment status for production, and transaction information includes one or more of the following information elements: user ID number, transaction ID, date of the accepted account for payment, due date for the payment of the account for payment, the amount, the identifier of the financial services provider, the identifier of the account, the identifier of the payee, the flag sign of expectation / completion, and the method further comprises the step of sending a confirmation of payment from the recipient of the payment order at a predetermined stage when making a payment, the method further comprising transmitting a payment confirmation message to the mobile device in response to receiving a payment confirmation message from the recipient of the payment order, the method further comprising receiving information from a user mobile device corresponding to the choice of a payment method for making a payment, and supply information corresponding to the selected payment method, the selected recipient of the payment order, and the selected payment methods include: the method determined by the recipient, ACH money transfer, paper check and card with a set limit of funds (SV), and MFTS is connected, for electronic exchange of information, with a user's computer through a data network, such as the Internet, and further comprising the steps of: Prepare an Internet application in association with the MFTS accept information about the user through an Internet application corresponding to financial service providers, accounts with financial service providers and payees; and storing user information entered through the Internet application in the MFTS database for use in connection with payments initiated by the user mobile device, the method further comprising retrieving and displaying transaction information corresponding to transactions conducted through the user mobile the device, through the Internet application, to the user through the user's computer, and the mobile financial payment includes the transfer of the balance from one account associated with the user, to another account, associative associated with the same user, and the method further comprises the steps of: liaise with the financial services provider to obtain updated information on account balances for the account; and wirelessly transmit updated account balance information from the MFTS to the user mobile device; therefore, in response to receiving updated information about account balances from the MFTS, the user mobile device displays updated information about account balances corresponding to the account to the user. 6. A mobile financial transaction system (MFTS) for facilitating mobile financial payment initiated by a user mobile device connected to exchange information with a wireless network, comprising: a mobile financial transaction system (MFTS) database for storing user information, payment information for production, associated with one or more payees, and information about payment sources associated with at least one account associated with at least at least one financial service provider associated with a mobile device user; a computer system of the mobile financial transaction system (MFTS) to maintain the MFTS database and conduct electronic exchange of information between entities involved in mobile financial payments; and MFTS software operating in the MFTS computer system, containing a control program for performing computer-implemented steps: receiving payment information for production corresponding to the payment to be made by the user of the mobile device to the payee; generating summary information about payments for production containing a predetermined selected subset of information about payments for production; transmitting summary information about payments for production to the user’s mobile device through a mobile service provider associated with the user’s mobile device; receiving a mobile payment order transmitted from the user’s mobile device, the payment order contains information corresponding to the selected payment for the production of the user and the selected payment source of the user for the payment corresponding to the selected payment for production; in response to receiving a mobile payment order, extracting information from the MFTS database corresponding to the identified payee to receive the payment indicated by the mobile payment order, and information corresponding to the selected account from the selected financial services provider; generation of the MFTS payment order to the recipient of the payment order, the MFTS payment order includes at least information identifying the selected account with the selected financial services provider, the amount and information corresponding to the identified payee; and transferring the MFTS payment order to the recipient of the payment order, therefore, in response to the MFTS payment order, the recipient of the payment order makes a payment to the identified payee, and the payment information for the production contains an invoice for payment, and the payee is the invoicing entity, and the recipient of the payment order contains the financial services provider, a billing aggregator or a separate billing entity, with payment information for production being provided to the MFTS by an external source m, is entered by the user through an Internet site accessible by the user to enter payment information for production and information about the payee, or entered by the user on a mobile device, the external source for payment information for production being one or more of a billing system payable, which provides information on bills payable from a variety of billing entities for payment, or a separate billing entity for payment, and information about payment ah for production contains information that corresponds to one or more of the following: a periodic invoice for payment, an invoice for payment from a billing aggregator for payment, an invoice for payment from a separate invoicing company for payment, a pay-to-pay payment, the MFTS software additionally is valid for sending a text message to a user’s mobile device in response to receiving invoice information for payment from the invoicing entity for payment, the MFTS software additional It is also valid for delivering the downloadable Mobile Wallet application to a user’s mobile device in order to facilitate communication between mobile devices and MFTS, the Mobile Wallet application providing for the display on the mobile device of selectable teams, including one or more of the team View invoices for payment, teams View sources of payments and commands Pay bills (a), and the MFTS software is additionally valid for extracting information about payments for production from the billing system for payment and transferring information about payments for production to the mobile device after receiving such information from the billing system for payment in response to the activation by the user of the selected command View invoices for payment on the mobile device, and the MFTS software is additionally valid for extracting current account information from one or more financial service providers and transferring current account information to a mobile device After receiving such information from one or more financial service providers in response to a user activating the View payment sources command on a mobile device, the identified payee corresponds to the invoicing entity that transferred the invoice information to the MFTS, and the payment information for production, transferred to a mobile device, is limited by the identifier of the payee, the amount and term of payment, and the MFTS database stores information about transactions corresponding to the user's mobile financial transactions, transaction information includes information about payments for production in addition to other information used to track the status of payments for production, and transaction information includes one or more of the following information elements: ID numbers user, transaction identifier, date of the accepted invoice for payment, due date for the invoice to be paid, amount, financial service provider identifier, account identifier, the recipient’s identifier, a flag sign of waiting / completion, and the MFTS software is additionally valid for receiving a payment confirmation message from the recipient of the payment order at a predetermined stage when making a payment, the MFTS software is additionally valid for sending a payment confirmation message to the mobile device in response receiving a payment confirmation message from the recipient of the payment order, the software The MFTS is additionally valid for receiving information from a user’s mobile device corresponding to the choice of a payment method for making a payment, and for delivering information corresponding to the selected payment method to a recipient of a payment order, the selected payment methods including: a recipient-defined method, ACH money transfer , a paper check and a card with a fixed limit of funds (SV), while the MFTS is connected, for electronic exchange of information, with the user's computer through the network l data transmission, such as the Internet, and optionally containing computer-implemented steps: preparing an Internet application in association with the MFTS; receiving information about the user through an Internet application corresponding to financial service providers, accounts with financial service providers and payees; and storing user information entered through the Internet application in the MFTS database for use in connection with payments initiated by the user mobile device, the MFTS software being additionally valid for retrieving and displaying transaction information corresponding to transactions conducted through the user mobile the device, through an Internet application, to the user through the user's computer, and the mobile financial payment includes It transfers the balance from one account associatively associated with the user to another account associatively associated with the same user, while the MFTS communicates with the financial services provider to obtain updated information about account balances for the account and wirelessly transmits updated information about Account balances from MFTS to a user’s mobile device, therefore, in response to receiving updated information about account balances from the MFTS, the user mobile device displays updated information about account balances corresponding to the account to the user. 7. A method for making a mobile financial payment to a payee using a paper check using a mobile device connected to exchange information through a wireless network, comprising the steps of: display information corresponding to one or more selectable payments for production on a user mobile device; display information corresponding to at least one selectable payment source for payment on a user mobile device; display information corresponding to one or more selectable payment methods on a user mobile device, payment methods at least include a paper check payment method; on the user’s mobile device, accept user input corresponding to the choice of payment for production, the choice of the source of payment for the payment and the choice of payment method by paper check; on a user’s mobile device, in response to user input, a mobile payment order is generated containing information corresponding to the selected payment for production, the selected payment source for the payment corresponding to the selected payment for production, and the method of payment by paper check; wirelessly transfer the mobile payment order from the user mobile device to the mobile financial transaction system (MFTS); in the MFTS and in response to receiving a mobile payment order, identify the identified payee to receive the payment specified by the payment order; the MFTS generates the MFTS payment order to the recipient of the payment order, the MFTS payment order includes at least information identifying the amount, information corresponding to the identified payee, and information indicating the payment according to the paper check payment method; transmit the MFTS payment order from the MFTS to the selected recipient of the payment order; and the recipient of the payment order, in response to receiving the payment order MFTS, makes the payment to the identified payee by printing and mailing a paper check to the payee, the payee containing the financial service provider or billing aggregator, moreover, the mobile system financial transactions (MFTS) includes a database of a mobile financial transaction system (MFTS) for storing user information, payment information for production associated with one or more payees and information about payment sources associated with at least one account associated with at least one financial service provider; and at the same time, the stage at which the identified payee is determined to receive the payment indicated by the payment order and the information corresponding to the selected account from the selected financial service provider identified in the payment order is performed by extracting the mentioned information from the information previously stored in the database MFTS data, moreover, the MFTS database stores transaction information corresponding to the user's financial transactions, including transaction information includes information about payments for production in addition to other information used to track the status of payments for production, moreover, transaction information includes one or more of the following information elements: user ID number, transaction ID, date of payment received, payment term for the invoice, amount, identifier of the financial services provider, identifier of the invoice, identifier of the payee, flag sign of waiting / completion, and information about payments For production, it is initially supplied to the MFTS by an external source, entered by the user through an Internet site accessible by the user to enter payment information for production and information about the payee, or entered by the user on a mobile device, and then transferred to the mobile device for display the user, and an external source for information about payments for production is selected from the group consisting of: a system for presenting bills for payment, which supplies information about the invoice a payment bill from a plurality of billing entities or a separate billing entity, the payment information for production containing information corresponding to one or more of the following: a periodic billing bill, a bill payable from a billing aggregator, invoices for payment from a separate invoicing company for payment, “pay to anyone” payment, the stage where the information corresponding to one or more payments for production is displayed on a user a mobile device is provided in response to the user activating the function “View invoices for payment”, the step of displaying information corresponding to one or more payments for production on the user mobile device is provided in response to the receipt, on the mobile device, of a text message from MFTS, the method further comprising preparing a Mobile Wallet application on a user mobile device, the Mobile Wallet application being provided displays the selected commands on the mobile device, including one or more of the command View invoices for payment, the command View sources of payments and the commands Pay invoice (a), and user input corresponding to the choice of payment for production is provided in response to the display of the command View invoices for payment, and the user activating the selected team View invoices for payment prompts MFTS to extract information about payments for production from the invoicing system for payment and transfer information about payments to be made to a mobile device after receiving such information from a billing system for payment, and user input corresponding to the choice of a source of payment for making a payment is provided in response to the display of the View payment sources command, and the choice of a source of payment for making a payment includes choosing a financial services provider and choosing a specific account associated with the selected financial services provider to make a payment, than the user’s activation of the View Payment Sources command causes MFTS to retrieve current account information from one or more financial service providers and transfer current account information to a mobile device after receiving such information from one or more financial service providers, and the identified payee corresponds to the invoice issuer payment to the entity that transmitted the information about the accounts payable to the MFTS, and information about payments for production is transmitted to the mobile phone construction by means of MFTS for the user selected, and information about payments for production is limited by the identifier of the payee, amount and payment term, the method further comprising transmitting a payment confirmation message from the selected financial service provider to the MFTS in response to completion of a predetermined stage when making a payment, the method further comprising transmitting a payment confirmation message to the mobile device in response to receiving a message p confirmation of payment from the selected financial services provider, and MFTS is additionally connected, for electronic exchange of information, with the user's computer via a data network such as the Internet, and further comprising the steps of: Prepare an Internet application in association with the MFTS accept information about the user through an Internet application corresponding to financial service providers, accounts with financial service providers and payees; and storing user information entered via the Internet application in the MFTS database for use in connection with payments initiated by the user mobile device, the method further comprising the steps of: storing a cached account balance in a mobile device representing a balance in at least one account as of a specific date; receive updated account balances from the MFTS to the user’s mobile device; and due to which, in response to receiving updated information about account balances from MFTS, the mobile device displays updated information about account balances corresponding to the account to the user. 8. A method of making a mobile financial payment to a payee using a paper check using a mobile device connected to exchange information via a wireless network, comprising the steps of: accept user input, on a mobile device, of information identifying the payee for the payment, which should be made by paper check issued by the payee; on a user’s mobile device, in response to user input, a mobile payment order is generated containing information corresponding to the identified payee and indicating the payment method by paper check; wirelessly transfer the mobile payment order from the user mobile device to the mobile financial transaction system (MFTS); in MFTS and in response to receiving a mobile payment order, determine the information corresponding to the recipient of the payment order; at MFTS, form the MFTS payment order to the recipient of the payment order, the MFTS payment order includes information identifying the account with the financial service provider, an amount, information corresponding to the identified payee, and information indicating the payment according to the paper check payment method; transmit the MFTS payment order from the MFTS to the recipient of the payment order; and the recipient of the payment order, in response to receiving the payment order MFTS, prepares the payment to the identified payee by printing and mailing a paper check to the payee, the method further comprising displaying information corresponding to at least one selectable source payment for payment, on the user’s mobile device, accept user input corresponding to the choice of the source of payment for the payment, and vk including information indicating the selected payment source in a mobile payment order, the mobile financial transaction system (MFTS) including a database of the mobile financial transaction system (MFTS) for storing user information and information about payment sources associated with at least one account associated with at least one financial service provider, the method further comprising determining information corresponding to the selected account a selected financial services provider for making a payment by extracting said information from information previously stored in the MFTS database, the MFTS database storing transaction information corresponding to the user's financial transactions, the transaction information includes payment information for making in addition to other information used to track the payment status for production, wherein the transaction information includes one or more of the following: Information elements: user ID, transaction ID, amount, financial service provider identifier, account identifier, payee identifier, pending / completion flag, and information about the payee is provided by the user by entering on a mobile device, and information about the payee is entered by a user via an Internet site accessible by the user to enter information about the payee, and then transferred to a mobile device for displaying to a user, the method further comprising preparing a Mobile Wallet application on a user’s mobile device, the Mobile Wallet application providing for displaying selectable commands on the mobile device, including Pay Any, payment Source selection commands and selection commands A payment method, wherein the method further comprises receiving a user input corresponding to the selection of the source of the board and for making a payment, in response to displaying a payment source selection command, the method further comprising receiving a user input of a payment source for making a payment, comprising selecting a financial service provider and selecting a specific account associated with the selected financial service provider for payment, moreover, the activation by the user of the payment source selection command prompts MFTS to retrieve current account information from the selected provider of financial services yy and transfer the current billing information to the mobile device after receiving such information from the selected financial services provider, the identified payee corresponding to the billing entity that transmitted the billing information to the MFTS, the method further comprising transmitting a payment confirmation message from the selected financial services provider to the MFTS in response to the completion of a predetermined stage in the payment process, the method further comprising Holds the stage at which a payment confirmation message is transmitted to the mobile device in response to receiving the payment confirmation message from the selected financial services provider, the MFTS being connected, for electronic exchange of information, to the user's computer via a data network such as the Internet, and further comprising stages in which: Prepare an Internet application in association with the MFTS accept information about the user through an Internet application corresponding to financial service providers, accounts with financial service providers and payees; and storing user information entered through the Internet application in the MFTS database for use in connection with payments initiated by the user mobile device, the method further comprising retrieving and displaying transaction information corresponding to transactions conducted through the user mobile the device, through an Internet application, to a user on a user's computer, the method further comprising the steps of: storing a cached account balance in a mobile device representing a balance in at least one account as of a specific date; and receive updated account balances from the MFTS to the user’s mobile device; therefore, in response to receiving updated information about account balances from the MFTS, the user mobile device displays updated information about account balances corresponding to the account to the user. 9. A system for making a financial payment to a payee via a paper check using a mobile device connected to exchange information through a wireless network, comprising: a user mobile device connected, for wireless exchange of information, with a mobile financial transaction system (MFTS), the mobile device is operable to receive user input identifying the payee for the payment, which must be done by paper receipt issued by the payee with which the user supports relationships, forming a mobile payment order for the MFTS indicating the payment for production, and wirelessly transfer the mobile payment asporyazheniya in the MFTS; a system of mobile financial transactions (MFTS), including MFTS software, containing a control program for performing computer-implemented steps: in response to receiving a mobile payment order, determining information relevant to the recipient of the payment order; generation of the MFTS payment order to the recipient of the payment order, the MFTS payment order includes information identifying the account with the financial service provider, the amount corresponding to the identified payee, and information indicating the payment according to the method of payment by paper check; transmit the MFTS payment order from the MFTS to the recipient of the payment order; and the recipient of the payment order responsive to receiving the payment order MFTS to prepare the payment to the identified payee by printing and mailing a paper check to the payee, the mobile device displaying information corresponding to at least one selectable payment source for payment on the user mobile device, receives user input corresponding to the choice of source of payment for the payment, and includes information indicating you a selected payment source, into a mobile payment order, the mobile financial transaction system (MFTS) includes a database of a mobile financial transaction system (MFTS) for storing user information and information about payment sources associated with at least one account, associatively associated with at least one financial services provider, and the MFTS management program is additionally valid for determining information corresponding to the selected account with the selected a financial services provider for making a payment, by extracting said information from information previously stored in the MFTS database, the MFTS database storing transaction information corresponding to the user's financial transactions, transaction information includes payment information for the production in addition to the other information used to track the payment status for production, wherein transaction information includes one or more of the following information elements Stock: user ID number, transaction ID, amount, financial service provider identifier, account ID, payee identifier, pending / completion flag, and information about the payee is provided by the user by entering on a mobile device, and the information about the payee is entered by the user through an Internet site accessible by the user to enter information about the payee, and then transferred to a mobile device for displaying to the user, the user’s mobile device including the Mobile Wallet application, the Mobile Wallet application including a control program in the mobile device, which includes displaying on the mobile device selectable commands, including the Pay Any command, the Payment Source selection command, and payment method selection commands, the Mobile Wallet application being valid for receiving user input corresponding to the choice of the source a payment method for making a payment, in response to the display of the Payment Source selection command, the Mobile Wallet application being valid for receiving user input of a payment source for making a payment containing a choice of a financial services provider and a specific account associated with the selected financial services provider, for payment, moreover, the activation by the user of the payment source selection command forms a command in the MFTS to prompt the MFTS to retrieve current information about bills from the selected financial services provider and transmit current billing information to the mobile device after receiving such information from the selected financial services provider, and the identified payee corresponds to the billing entity that transmitted the billing information to the MFTS, and a confirmation message The payment from the selected financial services provider is accepted by the MFTS upon completion of the predetermined stage in the payment process, the MFTS being valid for Transferring payment confirmation message to the mobile device in response to receiving the message confirmation of payment, the MFTS is connected to the electronic exchange of information with a user's computer via a data network such as the Internet, and further comprising a computer control program for: preparing an Internet application in association with the MFTS; receiving information about the user through an Internet application corresponding to financial service providers, accounts with financial service providers and payees; and storing user information entered via the Internet application in the MFTS database for use in connection with payments initiated by the user mobile device, the system further comprising retrieving and displaying transaction information corresponding to transactions conducted through the user mobile device via the Internet applications to the user on the user's computer, the user mobile device storing the cached balance in the account e in a mobile device, representing the balance in at least one account as of a specific date; wherein the user mobile device receives updated account balance information from the MFTS to the user mobile device; and while in response to receiving updated information about account balances from MFTS, the mobile device displays updated information about account balances corresponding to the account to the user. 10. A method for making a mobile financial payment to a payee using a paper check using a mobile device connected to exchange information through a wireless network, comprising the steps of: accept user input, on a mobile device, of information identifying the payee for the payment, which should be made by paper check issued by the recipient of the payment order with which the user maintains a relationship; on a user’s mobile device, in response to user input, a mobile payment order is generated containing information relevant to the payee and indicating the payment method by paper check; wirelessly transfer the mobile payment order from the user mobile device to the mobile financial transaction system (MFTS); and displaying updated information about financial accounts on a mobile device, indicating the current account balance of the selected account, reflecting the issuance of a paper check, the method further comprising displaying information corresponding to at least one selectable payment source for payment on a user’s mobile device, accept user input corresponding to the choice of the source of payment for the payment, and include information indicating the selected source of payment in a mobile payment order, wherein the information about the payee is provided by the user by entering on the mobile device, moreover, one or more selectable payees are displayed on the mobile device for selection by the user, and the information about the payee is entered by the user through a website accessible by the user to enter information about the payee, and after that it is transmitted to the mobile device for display to the user, moreover, add It contains the stage of preparing the Mobile Wallet application on the user’s mobile device, the Mobile Wallet application providing for displaying the selected commands on the mobile device, including the Pay Any command, the Payment Source selection command and the Payment Method selection command, the method further comprising on which user input corresponding to the choice of a payment source for making a payment is received, in response to displaying a Source selection command a payment method, the method further comprising accepting a user input of a payment source for making a payment, comprising selecting a financial service provider and selecting a specific account associatively associated with the selected financial service provider for making a payment, wherein the user activating the Payment Source selection command causes retrieval current information about accounts from a selected financial services provider and transferring current information about accounts to a mobile device, with the payment teacher corresponds to the invoicing entity that transmitted the invoice information to the MFTS, the method further comprising displaying the payment confirmation message on the mobile device in response to receiving the corresponding payment confirmation message from the MFTS, the MFTS being connected, for electronic exchange of information with a user's computer through a data network such as the Internet, while MFTS provides an Internet application that is valid for receiving information about zovatele corresponding to financial service providers, accounts at financial service providers and recipients of payments; and further comprising a step of transmitting said information to a user mobile device, the method further comprising the steps of: storing a cached account balance in a mobile device representing a balance in at least one account as of a specific date; accept updated information about account balances for the account; and In response to receiving updated information about account balances, updated information about account balances corresponding to the account is displayed to the user via a mobile device. 11. A mobile device for making a financial payment to a payee via a paper check via a wireless network, comprising: a mobile device connected to wirelessly exchange information through a mobile service provider to a mobile financial transaction system (MFTS), the mobile device includes a display device, user input means, a processor and memory; and software of a mobile device operating in the processor of a mobile device containing a control program for performing computer-implemented steps: receiving user input, on a mobile device, information identifying the payee for the payment, which should be made by paper check issued by the recipient of the payment order with which the user maintains a relationship; generating a mobile payment order containing information relevant to the payee and indicating the method of payment by paper check; wireless transfer of a mobile payment order to the mobile financial transaction system (MFTS); and display updated information on financial accounts on a mobile device, indicating the current account balance of the selected account, reflecting the issuance of a paper check, while the mobile device is additionally valid for: display information corresponding to at least one selectable payment source for payment on a user mobile device, receiving user input corresponding to the choice of the source of payment for the payment, and including information indicating the selected payment source in the mobile payment order, wherein the information about the payee is provided by the user by entering on the mobile device, while one or more selectable payees are displayed on the mobile device for selection by the user, while the information about the payee is entered by the user through a website accessible on the Internet, reached by the user to enter information about the payee, and then transferred to the mobile e, a device for displaying to a user, wherein the mobile device includes a Mobile Wallet application, the Mobile Wallet application providing for displaying selectable commands on the mobile device, including Pay Any command, Payment Source select command and Payment Method select command, the Mobile application wallet is valid for receiving user input corresponding to the choice of the source of payment for the payment, in response to the display of the selection command Payment source, the Mobile Wallet application being valid for receiving user input of a payment source for making a payment, containing a choice of a financial services provider and a specific account associated with the selected financial services provider for making a payment, while the user’s mobile device stores the cached balance on an account in a mobile device representing the balance in at least one account as of a specific date; wherein the MFTS user mobile device receives updated account balance information for the account and wirelessly transfers the updated account balance information from the MFTS to the user mobile device; and at the same time, in response to receiving updated information about account balances, the mobile device displays updated information about account balances corresponding to the account to the user, while the activation of the payment source selection command by the user causes the current account information to be retrieved from the selected financial services provider and transfer of current information about bills to a mobile device, while the payee corresponds to the issuing invoice for payment to the entity who transmitted information about bills for payments e in the MFTS, wherein the mobile device is operable to display a payment confirmation message in response to receiving an appropriate payment confirmation message from the MFTS, wherein the MFTS is connected, for electronic exchange of information, to the user's computer via a data network such as the Internet, when this MFTS provides an Internet application that is valid for receiving user information relevant to financial service providers, accounts with financial service providers and payees; and wherein the mobile device is additionally operable for receiving and displaying said information on the user mobile device. 12. A computer-implemented method for a mobile financial transaction system (MFTS) to make a financial payment to a payee via a paper check in response to a mobile device connected to exchange information via a wireless network, comprising the steps of: wirelessly accept the mobile payment order from the user’s mobile device, the mobile payment order contains information corresponding to the identified payee and indicating the method of payment by paper check; form the MFTS payment order to the recipient of the payment order who maintains relations with the issuer of the paper checks, the MFTS payment order includes information identifying the amount, information corresponding to the identified payee, and information indicating the payment according to the method of payment by paper check; and transmit the MFTS payment order from the MFTS to the recipient of the payment order, whereby, at the recipient of the payment order, in response to receiving the payment order MFTS, the payment is made to the identified payee by printing and mailing a paper check to the payee, the mobile payment order including information identifying the payee as one of the many names previously stored in the MFTS, with the recipient of the payment order being one of the financial services provider and billing aggregator payable, and the method further comprises stages in which: storing a cached account balance in a mobile device representing a balance in at least one account as of a specific date; accept updated information about account balances for the account; and in response to receiving updated information about account balances, updated information about account balances corresponding to the account is displayed to the user by the mobile device, the mobile payment order further including information selecting at least one selectable payment source of the user for payment, the choice of the source of payment for making the payment includes the choice of a financial services provider and the selection of a specific account associated with the selected provider com of financial services for making a payment, and the choice of a source of payment encourages MFTS to retrieve current account information from one or more financial service providers and wirelessly transfer current account information to a mobile device after receiving such information from one or more financial service providers, the system of mobile financial transactions (MFTS) includes a database of the system of mobile financial transactions (MFTS) for storing user information and information about sources of payment tezas associated with at least one account associative with at least one financial service provider; and further comprising the step of determining information corresponding to the selected account with the financial service provider identified in the payment order by extracting said information from information previously stored in the MFTS database, the MFTS storing transaction information corresponding to the user's financial transactions , transaction information includes payment information in addition to other information used to track payment status, m transaction information includes one or more of the following information elements: user ID number, transaction ID, amount, financial service provider identifier, account identifier, payee identifier, pending / completion flag, and at least some recipient information the payment is entered by the user through an Internet site accessible by the user to enter information about the payee, and then wirelessly transmitted to a mobile device for displaying to a user, the method further comprising preparing a downloadable Mobile Wallet application for installation and use on the user’s mobile device, the user activating the Payment Source selection command in the Mobile Wallet application prompts MFTS to retrieve current account information from the selected financial provider services and wirelessly transmit current billing information to a mobile device after receiving such information from the selected financial services provider, the method further comprising receiving a payment confirmation message in the MFTS from the recipient of the payment order in response to completion of a predetermined stage when making a payment, the method further comprising wirelessly transmitting the payment confirmation message to a mobile device in response to the receipt of a payment confirmation message from the recipient of the payment order, the MFTS being additionally connected, for electronic the exchange of information with a user's computer through a data network such as the Internet, and further comprising stages in which: Prepare an Internet application in association with the MFTS accept information about the user through an Internet application corresponding to financial service providers, accounts with financial service providers and billing entities; and storing user information entered through the Internet application in the MFTS database for use in connection with payments initiated by the user mobile device, the method further comprising retrieving and displaying transaction information corresponding to transactions conducted through the user mobile the device, through an Internet application, to a user on a user's computer, the method further comprising the step of wirelessly image m send a message to the payee’s mobile device, the message notifies the payee that the payment was sent by the user with a paper check, and the message to the payee’s mobile device contains a text message, and the message to the payee’s mobile device is delivered via the Mobile wallet application installed on the mobile payee device. 13. A system for making a financial payment to a payee via a paper check in response to a mobile device connected to exchange information via a wireless network, comprising: a mobile financial transaction system (MFTS), connected, for wireless information exchange, with one or more mobile devices of a user using a mobile service provider (MCSP), MFTS is connected, for electronic information exchange, with a recipient of a payment order that makes payment by issuing and mailing a paper check, MFTS includes a database of a mobile financial transaction system (MFTS) for storing user information and payment information, MFTS includes software The first MFTS software containing a control program for performing computer-implemented steps: wirelessly receiving a mobile payment order from a user’s mobile device, the mobile payment order contains information corresponding to the identified payee and indicating the payment method by paper check; the formation of the MFTS payment order to the recipient of the payment order, which maintains relations with the issuer of the paper checks, the MFTS payment order includes information identifying the amount, information corresponding to the identified payee, and information indicating the payment according to the method of payment by paper check; and transferring the MFTS payment order from the MFTS to the recipient of the payment order, whereby, at the recipient of the payment order, in response to receiving the payment order MFTS, the payment is made to the identified payee by printing and mailing a paper check to the payee, the mobile payment order including information identifying the payee as one of a plurality names previously stored in the MFTS, the recipient of the payment order being one of the financial services provider and aggregator of billing for payment, etc. why MFTS liaises with a financial services provider to obtain updated information on account balances for an account; wherein the MFTS wirelessly transmits updated account balance information from the MFTS to the user mobile device, and due to which, in response to receiving updated information about account balances from MFTS, the mobile device displays updated information about account balances corresponding to the account to the user, and the mobile payment order further includes information that selects at least one selectable payment source user for payment, and the choice of the source of payment for the payment includes the selection of the financial services provider and the choice of a specific account associated with the selected post a financial services provider to make a payment, the choice of the source of payment prompting MFTS to retrieve current account information from one or more financial service providers and wirelessly transfer current account information to a mobile device after receiving such information from one or more financial service providers, the mobile financial transaction system (MFTS) database also stores information about payment sources associated with at least one account associated with with at least one financial service provider; and further comprising the step of determining information corresponding to the selected account with the financial service provider identified in the payment order by extracting said information from information previously stored in the MFTS database, the MFTS storing transaction information corresponding to the user's financial transactions, transaction information includes payment information in addition to other information used to track the status of the payment, and information about This includes one or more of the following information elements: user ID number, transaction ID, amount, financial service provider identifier, account ID, payee identifier, pending / completion flag, and at least some information about the payee is entered by the user through an Internet site accessible by the user to enter information about the payee, and then wirelessly transmitted to mobile devices o for display to the user, the method further comprising preparing a downloadable Mobile Wallet application for installation and use on the user’s mobile device, the user activating the Payment Source selection command in the Mobile Wallet application prompting MFTS to retrieve current account information from the selected financial services provider and wirelessly transmit current billing information to a mobile device after receiving such information from a selected provider financial services, moreover, the system further comprises the step of receiving a payment confirmation message in MFTS from the recipient of the payment order in response to the completion of a predetermined stage when making a payment, the system further comprising the step of wirelessly transmitting the payment confirmation message to the mobile device in response to receiving the payment confirmation message from the recipient of the payment order, and the MFTS is additionally connected, for electronic exchange of information, with the user's computer through the network l data transmission, such as the Internet, and further comprising the steps of: preparing an Internet application in association with the MFTS; receiving information about the user through an Internet application corresponding to financial service providers, accounts with financial service providers and invoicing entities; and storing user information entered via the Internet application in the MFTS database for use in connection with payments initiated by the user mobile device, the system further comprising the step of retrieving and displaying transaction information corresponding to transactions conducted through the user mobile device by Internet applications, to the user on the user's computer, the message on the mobile device of the payee containing the text the message, the system further comprising the step of wirelessly transmitting the message to the payee’s mobile device, the message notifies the payee that the payment was sent by the user via a paper check, and the message to the payee’s mobile device is delivered via the Mobile wallet application installed on the payee’s mobile device. 14. A method for making a financial payment to a payee using a paper check using a mobile device connected to exchange information through a wireless network, comprising the steps of: display information corresponding to one or more selectable payments for production on a user mobile device; display information corresponding to at least one selectable payment source for payment on a user mobile device; display information corresponding to one or more selectable payment methods on a user mobile device, payment methods at least include a paper check payment method; on the user’s mobile device, accept user input corresponding to the choice of payment for production, the choice of the source of payment for the payment and the choice of payment method by paper check; on a user’s mobile device, in response to user input, a mobile payment order is generated containing information corresponding to the selected payment for production, the selected payment source associated with at least one financial service provider to make a payment corresponding to the selected payment for production, and method of payment by paper check; wirelessly transfer the mobile payment order from the user mobile device to the mobile financial transaction system (MFTS); in MFTS and in response to receiving a mobile payment order, determine the identified payee to receive the payment specified by the payment order, and the information corresponding to the selected account with the selected financial services provider; the MFTS forms the MFTS payment order to the recipient of the payment order, the MFTS payment order includes at least information identifying the account of the selected financial service provider, an amount, information corresponding to the identified payee, and information indicating the payment according to the paper check payment method; transmit the MFTS payment order from the MFTS to the selected recipient of the payment order; and the recipient of the payment order, in response to receiving the payment order MFTS, makes the payment to the identified payee by printing and mailing a paper check to the payee, the payee containing the financial service provider or billing aggregator, moreover, the mobile system financial transactions (MFTS) includes a database of a mobile financial transaction system (MFTS) for storing user information, payment information for production associated with one or more payees and information about payment sources associated with at least one account associated with at least one financial service provider; and at the same time, the stage at which the identified payee is determined to receive the payment indicated by the payment order and the information corresponding to the selected account from the selected financial service provider identified in the payment order is performed by extracting the mentioned information from the information previously stored in the database MFTS data, moreover, the MFTS database stores transaction information corresponding to the user's financial transactions, including transaction information includes information about payments for production in addition to other information used to track the status of payments for production, moreover, transaction information includes one or more of the following information elements: user ID number, transaction ID, date of payment received, payment term for the invoice, amount, identifier of the financial services provider, identifier of the invoice, identifier of the payee, flag sign of waiting / completion, and information about payments For production, it is initially supplied to the MFTS by an external source, entered by the user through an Internet site accessible by the user to enter payment information for production and information about the payee, or entered by the user on a mobile device, and then transferred to the mobile device for display the user, and an external source for information about payments for production is selected from the group consisting of: a system for presenting bills for payment, which supplies information about the invoice max for payment of a plurality billed for payment entities or separate invoicing subject to payment, the billing for the production information comprises information corresponding to one or more of the following: a periodic invoice payable, an invoice payable from a billing aggregator payable, an invoice payable from a separate invoicing company payable, a “pay to anyone” payment, the stage where the information corresponding to one or more payments for production is displayed on the user a mobile device is provided in response to the activation by the user of the function “View invoices for payment”, the step being that the information corresponding to one or more payments for production is displayed to the user A mobile device is provided in response to receiving, on a mobile device, a text message from MFTS, the method comprising preparing a Mobile Wallet application on a user mobile device, the Mobile Wallet application providing for displaying selectable commands on the mobile device, including , one or more of the commands View invoices for payment, commands View sources of payments and commands Pay invoice (a), and user input corresponding to the choice of A production schedule is provided in response to the display of the View invoices for payment command, and the user activating the select View invoices for payment command prompts MFTS to retrieve payment information for production from the invoicing system for payment and transfer payment information for production to the mobile device after receiving such information from the billing system, the user input corresponding to the choice of the source of payment for the payment is provided in the response to the display of the View payment sources command, moreover, the choice of the payment source for making a payment includes the choice of a financial services provider and the selection of a specific account associated with the selected financial services provider for making a payment, and the user activating the View payment sources command prompts MFTS to retrieve the current account information from one or more financial service providers and transmit current account information to a mobile device after receiving such information from one or more financial service providers, and the identified payee corresponds to the invoicing entity that transmitted the invoice information to the MFTS, the payment information for production being transmitted to the mobile device via the MFTS for the user selected, and information about payments for production is limited by the identifier of the payee, the amount and due date, the method further comprising transmitting messages a payment confirmation from a selected financial services provider in the MFTS in response to the completion of a predetermined stage when making a payment, the method further comprising transmitting a payment confirmation message to the mobile device in response to receiving a payment confirmation message from the selected financial services provider, the MFTS additionally connected, for electronic exchange of information, with a user’s computer through a data network such as the Internet, and further comprising steps, and which: Prepare an Internet application in association with the MFTS accept information about the user through an Internet application corresponding to financial service providers, accounts with financial service providers and payees; and storing user information entered through the Internet application in the MFTS database for use in connection with payments initiated by the user mobile device, the method further comprising the steps of: storing a cached account balance in a mobile device representing a balance in at least one account as of a specific date; accept updated information about account balances for the account; and In response to receiving updated information about account balances, updated information about account balances corresponding to the account is displayed to the user via a mobile device. 15. A method of making a financial payment to a payee using a card with a pledged limit of funds (SV) using a mobile device connected to exchange information through a wireless network, comprising the steps of: accept user input, on a mobile device, of information identifying the payee for the payment, which should be made according to the method of payment by card with a set limit of funds (SV); on a user’s mobile device, in response to user input, a mobile payment order is generated containing information corresponding to the identified payee; wirelessly transfer the mobile payment order from the user mobile device to the mobile financial transaction system (MFTS); in the MFTS and in response to receiving a mobile payment order, information corresponding to the identified payee for receiving the payment and information indicating the payment according to the method of the SV card are determined; at the MFTS, form the MFTS payment order to the recipient of the payment order, which maintains relations with the subject of the SV card, the MFTS payment order includes at least the amount, information corresponding to the identified payee, and information corresponding to the potential payment according to the method of payment by the SV card; transmit the MFTS payment order from the MFTS to the recipient of the payment order; and the recipient of the payment order, in response to receiving the payment order MFTS, makes the payment to the identified payee by means of a card with a pledged limit of funds, and the user information identifying the payee contains the identification of the payee by selecting one of the many pre-saved names, and information about the user identifying the payee contains the identification of the payee by user input a mobile communication device, the method further comprising displaying information on the user mobile device corresponding to the selection by the user / payer of the use of an SV card payment method to make a payment to a payee from among a plurality of different payment methods, the selected payment methods including: the recipient of the method, money transfer ACH, paper check and card with a pledged limit of funds (SV), and the recipient of the payment order is one him from a financial services provider, a bill billing aggregator, a card issuer with a pledged limit of funds, a retailer that works with cards with a pledged limit of funds, the method further comprising the steps of: storing a cached account balance in a mobile device representing a balance in at least one account as of a specific date; accept updated information about account balances for the account; and in response to receiving updated information about account balances, updated information about account balances corresponding to the account is displayed to the user via a mobile device, the method further comprising wirelessly transmitting information to the payee informing that payment can be received by SV cards, wherein the method further comprises receiving a user selection of at least one selectable payment source for payment per user com mobile device, and the choice of the source of payment for making a payment includes the selection of a financial services provider and the selection of a specific account associated with the selected financial services provider for making a payment, and the choice of a payment source encourages MFTS to retrieve current account information from one or more financial service providers and wirelessly transmit current billing information to a mobile device after receiving such information from one or more financial providers services, and the mobile financial transaction system (MFTS) includes a database of a mobile financial transaction system (MFTS) for storing user information and information about payment sources associated with at least one account associated with at least one financial services provider; and further comprising the step of determining information corresponding to the selected account with the financial service provider identified in the payment order by extracting said information from information previously stored in the MFTS database, the MFTS storing transaction information corresponding to the user's financial transactions , transaction information includes payment information in addition to other information used to track payment status, m transaction information includes one or more of the following information elements: user ID number, transaction identifier, amount, financial service provider identifier, account identifier, payee identifier, pending / completion flag, and at least some information about the payee is entered by the user through a website accessible on the Internet, accessible by the user to enter information about the payee, and then wirelessly transmitted to an ample device for displaying to a user, the method further comprising preparing a Mobile Wallet application on a user’s mobile device, the Mobile Wallet application providing for displaying selectable commands on the mobile device, including Pay to anyone, Payment source selection commands, and selection commands The method of payment, moreover, the activation by the user of the Payment Source selection command prompts the MFTS to retrieve the current account information from the selected of a financial service provider and wirelessly transmit current account information to a mobile device after receiving such information from a selected financial service provider, the method further comprising receiving a user input corresponding to the choice of a payment source for making a payment in response to displaying a command the choice of the Source of payment through the Mobile wallet, and the choice of the source of payment for the payment includes the choice of the provider of financial services and selecting a specific account associated with the selected financial services provider for making a payment, the method further comprising receiving a payment confirmation message in the MFTS from the recipient of the payment order in response to the completion of a predetermined stage when making the payment, the method further comprising the step of wirelessly transmitting the payment confirmation message to the mobile device in response to receiving the payment confirmation message from a payment order holder, the method further comprising providing a plurality of selectable payment methods, including, in addition to the method with a card with a pledged limit of funds (SV), one or more of the methods determined by the recipient, the method of transferring funds ACH, and the method with a paper check, the MFTS method being additionally connected, for electronic exchange of information, to the user's computer via a data network such as the Internet, and further comprising stages in which: Prepare an Internet application in association with the MFTS accept information about the user through an Internet application corresponding to financial service providers, accounts with financial service providers and billing entities; and storing user information entered through the Internet application in the MFTS database for use in connection with payments initiated by the user mobile device, the method further comprising retrieving and displaying transaction information corresponding to transactions conducted through the user mobile the device, through an Internet application, to a user on a user's computer, the method further comprising: displaying the number A set of a pre-existing payee SV card to the user to confirm that the payment must be made by crediting a pre-existing payee SV card, the corresponding corresponding payee SV card being stored in the MFTS database and wirelessly transmitted to the user’s mobile device for display to the user and confirmation a user command, the method further comprising the step of providing a data input screen on a mobile device for input account numbers of a pre-existing payee SV card, for the purpose of lending to a pre-existing payee SV card, the method further comprising the steps of: wirelessly transmit the message to the payee’s mobile device, the message notifies the payee that the payment was sent by the user via the SV card; and receive input from the payee on the mobile device of the payee indicating the selected course of action by which the payee wishes to receive payment by means of an SV card, the message on the mobile device of the payee containing a text message, and the message on the mobile device of the payee is delivered via the Mobile wallet application, installed on the mobile device of the payee, the selected course of action by which the payee can receive payment through cutting an SV card includes crediting a payment to a previously existing payee SV card and issuing a new SV card, the method further comprising the steps of, in response to an indication by the payee receiving payment through a new SV card: displaying a data entry screen on a payee’s mobile device to receive information input in order to identify a place to receive a new SV card; accept input, by the payee, of information for identifying a place to receive a new SV card; wirelessly transmit location information to the MFTS; and in response to the input, by the payee, of information identifying the place to receive the new SV card, wirelessly transmit information to the payee identifying the specific retail location where the new SV card can be obtained, the method further comprising transmitting the information on reading the card to the SV card issuer, which gives the SV card issuer the opportunity to issue the card to the payee, and additionally gives the retail outlet that issues SV cards the opportunity to verify the identity of the payee for reading the SV card, wherein the card read information contains the transaction number provided by the MFTS, which is associated with the payment, the card number and the mobile phone number associated with the payee, the method further comprising wirelessly In this way, information about reading the card is transmitted to the mobile device of the payee. 16. A system for making a card payment with a set limit of funds by using a mobile device connected to exchange information with a wireless network, comprising: at least one user mobile device connected, for wireless information exchange, with a mobile financial transaction system (MFTS), and operable to receive user input of payment recipient identification information and payment information, the mobile device is further operable to generate a mobile payment order, containing information corresponding to the identified payee and wireless transfer of the mobile payment order to the MFTS; and mobile financial transaction system (MFTS), connected, for wireless information exchange, with one or more user’s mobile devices using a mobile service provider (MCSP), MFTS is connected, for electronic information exchange, with a payment order recipient who makes a payment via card with a set limit of funds, MFTS includes a database of a mobile financial transaction system (MFTS) for storing user information and payments, MFTS includes MFTS software containing its control program for performing computer-implemented steps: in response to receiving a mobile payment order, determining information corresponding to the identified payee to receive the payment, and information indicating the payment according to the method of the SV card; generation of the MFTS payment order to the recipient of the payment order, which maintains relations with the subject of the SV card, the MFTS payment order includes at least the amount, information corresponding to the identified payee, and information corresponding to the potential payment according to the method of payment with the SV card; and transferring the MFTS payment order from the MFTS to the recipient of the payment order, due to which, at the recipient of the payment order, in response to receiving the payment order MFTS, the payment to the identified payee is made through a card with a pledged limit of funds, and the user information identifying the payee contains the identification of the payee by selecting one of the many previously saved names moreover, the user information identifying the payee contains the identification of the payee by user an input of a mobile communication number, wherein the mobile device is further operable to display information corresponding to a user / payer choosing an SV card payment method for making a payment to a payee from among a variety of different payment methods, the payment methods selected include: ACH funds, a paper check and a card with a pledged limit of funds (SV), and the recipient of the payment order is one of the financial providers x of services, a billing aggregator for payment, a card issuer with a pledged limit of funds, a retailer that works with cards with a pledged limit of funds, and the user’s mobile device stores a cached account balance in the mobile device, representing the balance in at least one account as of a specific date; wherein the user mobile device receives updated account balance information for the account and wirelessly transmits updated account balance information from the MFTS to the user mobile device; and while in response to receiving updated information about account balances from MFTS, the user mobile device displays updated information about account balances corresponding to the account to the user, moreover, the MFTS software is also valid for wireless transmission of information to the payee informing that the payment may be obtained by means of an SV card, wherein the mobile device is further operable to receive a user selection of at least one selectable a payment booklet for payment on a user’s mobile device, the choice of a payment source for making a payment including choosing a financial service provider and selecting a specific account associated with the selected financial services provider for making a payment, and choosing a payment source encourages MFTS to retrieve current information about accounts from one or more financial service providers and wirelessly transmit current account information to a mobile device after receiving such information communications from one or more financial service providers, the mobile financial transaction system (MFTS) including a database of the mobile financial transaction system (MFTS) for storing user information and information about payment sources associated with at least one account, associatively associated with at least one financial service provider; and the MFTS software is additionally valid for determining the information corresponding to the selected account with the financial service provider identified in the payment order by extracting the mentioned information from the information previously stored in the MFTS database, and the MFTS stores transaction information corresponding to the user's financial transactions , transaction information includes payment information in addition to other information used to track payment status, and transaction information includes one or more of the following information elements: user ID number, transaction ID, amount, financial service provider identifier, account identifier, payee identifier, pending / completion flag, at least some information about the payee is entered by the user through an Internet site accessible by the user to enter information about the payee, and then wireless it is transmitted to the mobile device for display to the user, the method further comprising the step of preparing the Mobile Wallet application on the user’s mobile device, the Mobile Wallet application providing for displaying selectable commands on the mobile device, including the Pay to anyone command, the Payment source command and the command method of payment, moreover, the activation by the user of the payment source selection command prompts the MFTS to retrieve current account information from the selected financial services provider and wirelessly transmit current billing information to the mobile device after receiving such information from the selected financial services provider, the mobile device being additionally valid for receiving user input corresponding to the choice of payment source for making a payment in response to the display of the command the choice of the Source of payment through the Mobile wallet, and the choice of the source of payment for the payment includes a financial service provider and selecting a specific account associated with the selected financial service provider to make a payment, the MFTS receiving a payment confirmation message from the recipient of the payment order in response to the completion of a predetermined stage when making a payment, the MFTS software being additionally valid for wireless transmitting a payment confirmation message to a mobile device in response to receiving a payment confirmation message from a payee order, wherein the mobile device is additionally operable to provide a plurality of selectable payment methods, including, in addition to the method with a card with a set limit on funds (SV), one or more of the methods determined by the recipient, the method of transferring funds ACH, and the method by paper check moreover, the MFTS is additionally connected, for electronic exchange of information, with the user's computer via a data network such as the Internet, and the MFTS software is additionally Valid for: preparing an Internet application; receiving information about the user through an Internet application corresponding to financial service providers, accounts with financial service providers and invoicing entities; and storing user information entered through the Internet application in the MFTS database for use in connection with payments initiated by the user mobile device, the MFTS software being additionally valid for retrieving and displaying transaction information corresponding to transactions conducted through the user mobile the device, through an Internet application, to a user on a user's computer, the mobile device additionally being valid for displaying the account number of a previously existing payee SV card to the user to confirm that the payment should be made by crediting a previously existing payee SV card, and the information corresponding to the previous payee SV card is stored in the MFTS database and wirelessly transmitted to the user a mobile device for displaying to a user and confirmation by a user command, the mobile device being further valid for roviding data entry screen on the mobile device to enter an account number pre-existing SV card payment recipient for the purposes of a pre-existing credit card SV payee, the MFTS software is further is applicable to: wirelessly transmitting the message to the payee’s mobile device, the message notifies the payee that the payment was sent by the user via the SV card; and receiving input from the payee on the payee’s mobile device indicating the selected course of action by which the payee wishes to receive payment by means of an SV card, the message to the payee’s mobile device containing a text message, the message being sent to the payee’s mobile device via the Mobile Wallet application, installed on the mobile device of the payee, the selected course of action by which the payee can receive payment through Without an SV card, it includes crediting a payment to a previously existing SV card of a payee and issuing a new SV card, and in response to an indication by the payee to receive payment through a new SV card: the payee’s mobile device displays a data entry screen for receiving information input to identify a location for receiving a new SV card; accepts input, by the payee, of information for identifying a place to receive a new SV card; wirelessly transmits location information to the MFTS; and the MFTS software, in response to input by the payee of information identifying the place to receive the new SV card, wirelessly transmits information to the payee identifying the specific retail location where the new SV card can be obtained, the MFTS software being additionally valid for transmitting card reading information to an SV card issuer, which enables an SV card issuer to issue a card to a payee, and additionally gives the retail outlet a place Where the card issuer SV is able to verify the identity of the payee for reading the SV card, the card read information contains the transaction number provided by the MFTS, which is associated with the payment, the card number and the mobile phone number associated with the payee, MFTS software is additionally valid for transferring card reading information to the payee’s mobile device. 17. A method for making a financial payment to a payee using a card with a pledged limit of funds (SV) using a mobile device connected to exchange information through a wireless network, comprising the steps of: accept user input, on a mobile device, of information identifying the payee for the payment, which should be made according to the method of payment by card with a set limit of funds (SV); form a mobile payment order containing information relevant to the identified payee; and wirelessly transfer the mobile payment order from the user’s mobile device to the mobile financial transaction system (MFTS), the MFTS is connected, for exchange of information, with the recipient of the payment order, which can issue an SV card to the payee, therefore, the MFTS transfers the payment order to the recipient of the payment order, and the recipient of the payment order makes a payment to the identified payee through a card with a pledged limit of funds, and the user information identifying the payee contains the identification of the payee by selecting one of the many previously saved names on a mobile device, the user information identifying the payee containing the identification of dividing the payment by user input of the mobile number, the method further comprising displaying information on the user mobile device corresponding to the selection by the user / payer of the use of an SV card payment method to make a payment to a payee from among many different payment methods, the payment methods being selected include: beneficiary-defined method, ACH money transfer, paper check and card with a pledged limit of funds (SV), p When in use, the recipient of the payment order is a financial service provider, a billing aggregator for payment card issuer with a stored value facility, retail businesses, which works with cards with funds stored value, the method further comprises the steps of: storing a cached account balance in a mobile device representing a balance in at least one account as of a specific date; accept updated information about account balances for the account; and in response to receiving updated information about account balances, updated information about account balances corresponding to the account is displayed to the user via a mobile device, the method further comprising accepting a user selection of at least one selectable payment source for payment on a user’s mobile device, and the choice of the source of payment for the payment includes the choice of financial services provider and the choice of a specific account, associative data with the selected financial services provider to make a payment, and the choice of payment source encourages MFTS to retrieve current account information from one or more financial service providers and wirelessly transfer current account information to a mobile device after receiving such information from one or more financial providers services, and however, the mobile device is operable to display current information about the accounts to the user, at least some information about the payee is entered by the user through an Internet site accessible by the user to enter information about the payee, and then wirelessly transmitted to the mobile device for display to the user, the method further comprising preparing a Mobile Wallet application on a user’s mobile device, for example, the Mobile Wallet application provides for displaying the selected commands on the mobile device, including the Pay to anyone command, the Payment source selection command, and the Payment method selection command, and the user’s activation of the Payment source selection command prompts MFTS to retrieve current account information from the selected financial provider services and wirelessly transmit current billing information to a mobile device after receiving such information from a selected financial provider services, moreover, the method further comprises receiving a user input corresponding to the choice of a payment source for making a payment, in response to the display of the command to select the Payment source via the Mobile wallet, the choice of the payment source for making the payment includes selecting a financial services provider and the selection of a specific account associated with the selected financial services provider for making a payment, the method further comprising the step of: in a wired manner, a payment confirmation message is received in the mobile device from the MFTS in response to receiving the payment confirmation message from the recipient of the payment order, the method further comprising providing a plurality of selectable payment methods on the mobile device, including, in addition to the card method limit of funds (SV), one or more of the methods determined by the recipient, the method of transferring funds ACH and the method of paper check, and the method further comprises The final step is to display the account number of the previously existing payee SV card to the user to confirm that the payment should be made by crediting the previous payee SV card, the information corresponding to the previous payee SV card being stored in the MFTS database and wirelessly transmitted to the user’s mobile device for display to the user and confirmation by the user command, the method further comprising providing of data entry on a mobile device to enter the account number of a previously existing payee SV card, for the purpose of lending to a previously existing payee SV card. 18. A mobile device for making a financial payment to a payee using a card with a pledged limit of funds (SV), containing: a mobile device connected to wirelessly exchange information through a mobile service provider to a mobile financial transaction system (MFTS), the mobile device includes a display device, user input means, a processor and memory; and software of a mobile device operating in the processor of a mobile device containing a control program for performing computer-implemented steps: receiving user input, on a mobile device, information identifying the payee for the payment, which should be made according to the method of payment by card with a set limit of funds (SV); formation of a mobile payment order containing information corresponding to the identified payee; and wirelessly transferring a mobile payment order from a user’s mobile device to the mobile financial transaction system (MFTS), MFTS is connected, for information exchange, with the recipient of the payment order, which can issue an SV card to the payee, therefore, the MFTS transfers the payment order to the recipient of the payment order, and the recipient of the payment order makes a payment to the identified payee through a card with a pledged limit of funds, and the user information identifying the payee contains the identification of the payee by selecting one of the many previously saved names on a mobile device, the user information identifying the payee containing the identification of When making a payment by user input of a mobile number, the mobile device is also operable to display information corresponding to the user / payer choosing to use an SV card payment method to make a payment to a payee from among many different payment methods, the payment methods being selected include: Recipient-defined method, ACH money transfer, paper check and card with a pledged limit of funds (SV), while the recipient is paying of this order is one of the financial services provider, billing aggregator for payments, a card issuer with a pledged limit of funds, a retailer that works with cards with a pledged limit of funds, while a user’s mobile device saves a cached account balance in a mobile device, representing balance on at least one account as of a specific date; wherein the user mobile device receives updated account balance information for the account and wirelessly transmits updated account balance information from the MFTS to the user mobile device; and while in response to receiving updated information about account balances from MFTS, the user’s mobile device displays updated information about account balances corresponding to the account to the user, while the mobile device is additionally valid for receiving a user’s choice of at least one selectable payment source for payment on a user’s mobile device, and the choice of the source of payment for the payment includes the choice of financial services provider and the choice of payment a billing account associated with the selected financial service provider to make a payment, the selection of the payment source prompting MFTS to retrieve current account information from one or more financial service providers and wirelessly transfer current account information to a mobile device after receiving such information from one or more financial service providers, and at the same time, the mobile device is operable to display current information about bills to the user, at least some information about the payee is entered by the user through an Internet site accessible by the user to enter information about the payee, and then wirelessly transmitted to a mobile device for displaying to a user, wherein the mobile communication software comprises a Mobile wallet application on a user mobile device ve, moreover, the Mobile Wallet application provides for displaying the selected commands on the mobile device, including the Pay to anyone command, the Payment source selection command and the Payment method selection command, and the user’s activation of the Payment source selection command prompts MFTS to retrieve current account information from the selected financial provider services and wirelessly transmit current billing information to a mobile device after receiving such information from a selected financial services provider, however, the mobile device is also operable to receive user input corresponding to the choice of a payment source for making a payment, in response to the display of the payment source selection command via the Mobile wallet, and the choice of the payment source for making the payment includes the choice of a financial services provider and the choice of a specific account associated with the selected financial service provider to make a payment, while the mobile device is additionally valid for wirelessly receiving a payment confirmation message on a mobile device from the MFTS in response to receiving a payment confirmation message from the recipient of the payment order, while the mobile device is further operable to provide a plurality of selectable payment methods, including, in addition to the method with a card with a card funds limit (SV), one or more of the methods determined by the recipient, the ACH money transfer method and the paper check method, while the mobile devices it is additionally valid for displaying the account number of a previously existing payee SV card to a user to confirm that payment must be made by crediting a previously existing payee SV card, while information corresponding to a previous payee SV card is stored in the MFTS database and wirelessly transmitted to a user’s mobile device for display to the user and confirmation by the user’s team, while the mobile software stroystva additionally it is applicable for providing input screen on the mobile device to enter an account number pre-existing SV card payment recipient for the purposes of a pre-existing credit card SV payee. 19. A computer-implemented method for a mobile financial transaction system (MFTS) to make a financial payment to a payee by means of a card with a set limit of funds (SV) in response to a mobile device connected to exchange information via a wireless network, comprising the steps of: wirelessly accept the mobile payment order from the mobile device, the mobile payment order includes at least information corresponding to the method of card payment with the set limit of funds, and the amount; in response to receiving a mobile payment order, determining information corresponding to the identified payee to receive payment and information indicating payment according to the method of the SV card; form the MFTS payment order to the recipient of the payment order, which maintains relations with the subject of the SV card, the MFTS payment order includes at least the amount, information corresponding to the identified payee, and information corresponding to the potential payment according to the method of payment with the SV card; and transmit the MFTS payment order from the MFTS to the recipient of the payment order, whereby, at the recipient of the payment order, in response to receiving the payment order MFTS, the payment is made to the identified payee by means of a card with a pledged limit of funds, and the mobile payment order includes information identifying the payee as one of a plurality of names previously stored in the MFTS, moreover, the mobile payment order includes information identifying the payee by means of a mobile number, and receiving Tel payment order is a financial service provider, a billing aggregator for payment card issuer with a stored value facility, retail businesses, which works with cards with funds stored value, the method further comprises the steps of: storing a cached account balance in a mobile device representing a balance in at least one account as of a specific date; accept updated information about account balances for the account; and in response to receiving updated information about account balances, updated information about account balances corresponding to the account is displayed to the user via a mobile device, the method further comprising wirelessly transmitting information to the payee informing that payment can be received by SV cards, wherein the mobile payment instruction further includes information selecting at least one selectable payment source of the user for payment, Moreover, the choice of the source of payment for making the payment includes the selection of the financial services provider and the selection of a specific account associated with the selected financial services provider for making the payment, and the choice of the payment source encourages the MFTS to retrieve current account information from one or more financial services providers and wirelessly transmit current billing information to a mobile device after receiving such information from one or more financial service providers, the system heavy financial transactions (MFTS) includes a database system of mobile financial transactions (MFTS) for storing user information and payment information sources associated with the at least one account associated with the at least one financial service provider; and further comprising the step of determining information corresponding to the selected account with the financial service provider identified in the payment order by extracting said information from information previously stored in the MFTS database, the MFTS storing transaction information corresponding to the user's financial transactions , transaction information includes payment information in addition to other information used to track payment status, m transaction information includes one or more of the following information elements: user ID number, transaction identifier, amount, financial service provider identifier, account identifier, payee identifier, pending / completion flag, and at least some information about the payee is entered by the user through a website accessible on the Internet, accessible by the user to enter information about the payee, and then wirelessly transmitted to an ample device for displaying to the user, the method further comprising preparing a downloadable Mobile Wallet application for installation and use on the user’s mobile device, the user activating the Payment Source selection command in the Mobile Wallet application prompts MFTS to retrieve current account information from the selected financial provider services and wirelessly transmit current billing information to a mobile device after receiving tacos information from the selected financial services provider, the method further comprising receiving a payment confirmation message in the MFTS from the recipient of the payment order in response to completion of a predetermined stage when making a payment, the method further comprising wirelessly transmitting the payment confirmation message to a mobile device in response to the receipt of a payment confirmation message from the recipient of the payment order, the MFTS being additionally connected, for the electronic throne exchange of information with the user's computer through a data network such as the Internet, and further comprising stages in which: Prepare an Internet application in association with the MFTS accept information about the user through an Internet application corresponding to financial service providers, accounts with financial service providers and billing entities; and storing user information entered via the Internet application in the MFTS database for use in connection with payments initiated by the user mobile device, the method further comprising retrieving and displaying transaction information corresponding to transactions conducted through the user mobile the device, through an Internet application, to a user on a user's computer, the information corresponding to a previously existing recipient SV card of the payment is stored in the MFTS database and wirelessly transmitted to the user’s mobile device for display to the user and confirmation by the user’s command, the method further comprising receiving information from the mobile device corresponding to the account number of the previous payee SV card for credit purposes a previously existing payee SV card, the method further comprising the steps of: wirelessly transmit the message to the payee’s mobile device, the message notifies the payee that the payment was sent by the user via the SV card; and receiving input from the payee on the payee’s mobile device indicating the selected course of action by which the payee wishes to receive payment by means of an SV card, the message to the payee’s mobile device containing a text message, the message being sent to the payee’s mobile device via the Mobile Wallet application, installed on the mobile device of the payee, the selected course of action by which the payee can receive payment through Without an SV card, it includes crediting a payment to a previously existing SV card of a payee and issuing a new SV card, further comprising the step of, in response to an indication by the payee to receive payment through a new SV card: in response to the input, by the payee, of information identifying the place to receive the new SV card, wirelessly transmit information to the payee identifying the specific retail location where the new SV card can be obtained, the method further comprising the step of: transmitting card reading information to the SV card issuer, which enables the SV card issuer to issue the card to the payee, and additionally gives the retail outlet that issues SV cards the ability to verify the identity of the payee for reading the SV card, and the card reading information contains the transaction number provided by the MFTS, which is associated with the payment, card number and mobile phone number associated with the payee, the method further comprising the step of wirelessly transmitting the card reading information to the mobile device of the payee. 20. A system for making a card payment with a set limit of funds in response to a message from a mobile device connected to exchange information with a wireless network, comprising: a system of mobile financial transactions (MFTS), connected, for wireless information exchange, with one or more mobile devices of a user using a mobile service provider (MCSP), MFTS is connected, for electronic exchange of information, with a recipient of a payment order that makes payment via card with a set limit of funds, MFTS includes a database of a mobile financial transaction system (MFTS) for storing user information and payment information, MFTS includes software MFTS, containing program code for performing computer implemented steps of: wirelessly receiving a mobile payment order from a mobile device, the mobile payment order includes at least information corresponding to the method of card payment with a set limit of funds and the amount; in response to receiving a mobile payment order, determining information corresponding to the identified payee to receive the payment, and information indicating the payment according to the method of the SV card; generation of the MFTS payment order to the recipient of the payment order, which maintains relations with the subject of the SV card, the MFTS payment order includes at least the amount, information corresponding to the identified payee, and information corresponding to the potential payment according to the method of payment with the SV card; and transferring the MFTS payment order from the MFTS to the recipient of the payment order, whereby, at the recipient of the payment order, in response to receiving the payment order MFTS, the payment is made to the identified payee by means of a card with a pledged limit of funds, and the mobile payment order includes information identifying the payee as one of a plurality of names previously stored in the MFTS, moreover, the mobile payment order includes information identifying the payee by means of a mobile number, and receiving the payment order provider is one of the financial services provider, billing aggregator for payments, card issuer with a pledged limit of funds, a retailer that works with cards with a pledged limit of funds, and the MFTS software is also valid for wireless transmission of information to the payee, informing that the payment can be received by means of an SV card, moreover, the mobile payment order additionally includes information selecting by m at least one selectable payment source of the user for payment, the selection of the source of payment for the payment process including the selection of a financial service provider and the selection of a specific account associated with the selected financial service provider for payment, the MFTS communicating with the financial service provider for receiving updated information about account balances for the account; wherein the MFTS wirelessly transmits updated account balance information from the MFTS to the user mobile device, and due to which, in response to receiving updated information about account balances from MFTS, the mobile device displays updated information about account balances corresponding to the account to the user, and the choice of payment source prompts MFTS to retrieve current account information from one or more financial service providers and wirelessly transmit current account information to a mobile device after receiving such information from one or more financial service providers, the database of the mobile finance system transaction n (MFTS) also stores information about sources of payments associated with at least one account associative with at least one financial service provider; and however, the MFTS software is additionally valid for determining the information corresponding to the selected account with the financial service provider identified in the payment order by extracting the mentioned information from the information previously stored in the MFTS database, the information corresponding to the previously existing payee SV card, stored in the MFTS database and wirelessly transmitted to the user’s mobile device for display to the user and confirmation being held by the user’s team, the MFTS storing transaction information corresponding to the user's financial transactions, the transaction information includes payment information in addition to other information used to track the payment status, and the transaction information includes one or more of the following elements Information: user ID number, transaction ID, amount, financial service provider identifier, account identifier, payee identifier, flags one sign of waiting / completion, and at least some information about the payee is entered by the user through a website accessible on the Internet, accessible by the user to enter information about the payee, and then wirelessly transmitted to the mobile device for display to the user, while the system provides downloadable Mobile Wallet application for installation and use on a user’s mobile device, and the user activating the Source selection command the payment in the Mobile Wallet application encourages MFTS to retrieve current account information from the financial service provider and wirelessly transfer the current account information to the mobile device after receiving such information from the financial service provider, the MFTS software being additionally valid for receiving a payment confirmation message from the recipient payment order in response to the completion of a predetermined stage when making a payment, with the MFTS software adding is valid for the wireless transmission of a payment confirmation message to a mobile device in response to the receipt of a payment confirmation message from the recipient of the payment order, the MFTS being further connected, for electronic exchange of information, to the user's computer via a data network such as the Internet, and further comprising : An Internet application in association with the MFTS, which operates to receive information about a user through an Internet application corresponding to financial service providers, accounts with financial service providers and billing entities; and MFTS software additionally operable for storing user information entered via the Internet application in the MFTS database for use in connection with payments initiated by a user mobile device, the MFTS software additionally being operable for retrieving and displaying transaction information, corresponding to transactions conducted through a user’s mobile device, through an Internet application, to a user on a computer ovatelya, and software MFTS software is further operable to receive information from a mobile device, the corresponding account number pre-existing SV card payment recipient for the purposes of a pre-existing credit card SV payee, the MFTS software is further is applicable to: wirelessly transmitting the message to the payee’s mobile device, the message notifies the payee that the payment was sent by the user via the SV card; and receiving input from the payee on the payee’s mobile device indicating the selected course of action by which the payee wishes to receive payment by means of an SV card, the message to the payee’s mobile device containing a text message, the message being sent to the payee’s mobile device via the Mobile Wallet application, installed on the mobile device of the payee, the selected course of action by which the payee can receive payment through Without an SV card, it includes crediting a payment to a previously existing payee SV card and issuing a new SV card, the MFTS software being additionally valid for, in response to an indication by the payee, receiving payment through a new SV card: in response to the payment recipient entering information identifying the place to receive the new SV card, wirelessly transmitting information to the payment recipient identifying the specific retail location where the new SV card can be obtained, the MFTS software being additionally valid for transmitting card reading information to the SV card issuer, which enables the SV card issuer to issue the card to the payee, and additionally gives the retail outlet that issues SV cards the ability to verify the identity of the payee for reading the SV card, wherein the card read information contains the transaction number provided by the MFTS, which is associated with the payment, the card number and the mobile phone number associated with the payee, the MFTS software being additionally valid for wireless transmitting card reading information to the payee’s mobile device. 21. A method for a mobile financial transaction using a mobile device connected to exchange information with a wireless network, comprising the steps of: prepare a system of mobile financial transactions (MFTS), connected, for wireless exchange of information, with a user's mobile device using a mobile service provider (MCSP), MFTS is connected, for electronic exchange of information, with an aggregator that collects information from many payment recipients, with with which the user has a financial relationship, MFTS includes a database of a mobile financial transaction system (MFTS) for storing user information and payment information for production, and associativity associated with one or more payees, accept information about payments for production in the MFTS from the aggregator corresponding to the payment to be made by the user to the payee; generate summary information about payments for production in the MFTS based on information about payments for production, a summary of payments for production contains a predetermined selected subset of information about payments for production; wirelessly transmit payment summary information for production from MFTS to a user mobile device via MCSP; and display summary information about payments on a user’s mobile device, summary information about payments is based on summary information about payments for production received from the MFTS, and the summary information about payments transmitted to the mobile device consists of the identifier of the payee, amount receivable and due date moreover, the aggregator and MFTS are implemented as an integrated system, and the summary information about payments for production transmitted through the MFTS includes an encoded identifier p of the payee, in addition to other information about the selected payments, the coded identifier of the payee is reduced in size with respect to the identification information of the payee stored in the MFTS, wherein the coded identifier of the payee is used on the mobile device to retrieve additional information about the payee stored locally in the memory of the mobile device, moreover, additional information about the payee is an alias associated with recipients of the payment, and the recipient of the payment corresponding to the identified issue invoices for payment to the subject, who passed the information on accounts payable in the aggregator, the method further comprises the steps of: on a user mobile device, user input corresponding to the selection of a payment for production from among a plurality of payments represented by summary information about payments for production is received; on a user’s mobile device, in response to user input, a mobile payment order is generated containing information corresponding to the selected payment for production and the payment source for the payment corresponding to the selected payment for production; wirelessly transmit the mobile payment order from the user mobile device to the MFTS; in MFTS and in response to receiving a mobile payment order, extract information from the MFTS database corresponding to the identified payee to receive the payment indicated by the mobile payment order and information corresponding to the payment source identified in the mobile payment order; MFTS forms the payment order MFTS to the recipient of the payment order, the payment order MFTS includes at least the amount and information corresponding to the identified payee; transmit the MFTS payment order from the MFTS to the recipient of the payment order; and the recipient of the payment order, in response to receiving the payment order MFTS, makes the payment to the identified payee, the recipient of the payment order being one of the aggregator, financial services provider and a separate billing entity, the method further comprising the steps of: storing a cached account balance in a mobile device representing a balance in at least one account as of a specific date; accept updated information about account balances for the account; and in response to receiving updated information on account balances, updated information on account balances corresponding to the account is displayed to the user via a mobile device, the payment source comprising at least one account associated with at least one financial service provider, the source being a payment contains a plurality of selectable user-supported accounts with one or more selectable financial service providers, at least a portion of payment information for of production data is entered into the MFTS by a user through an Internet site associative with MFTS, which is reachable by the user to enter payment information for production and information about the payee, or entered by the user on a mobile device, and a portion of payment information for production contains identification information payee, and the stage at which display summary information about payments for production on the user’s mobile device is provided in response to the activation the user of the function “View invoices for payment”, the step of displaying summary information about payments for production on the user’s mobile device is provided in response to receiving, on the mobile device, a text message from the MFTS, the method further comprising the step of preparing a Mobile Wallet application on a user’s mobile device, the Mobile Wallet application providing for displaying selectable commands on a mobile device, including one and or more from the command View invoices for payment, the command View sources of payments and the command Pay invoice (a), the display contains user controls for user-select payment for production in response to the display of the command View invoices for payment, and the user activating the command View invoices to prompts MFTS to retrieve payment information for production from the aggregator and transmit summary payment information for production to the mobile device after receiving information from the aggregator, moreover, user input corresponding to the choice of the source of payment for making the payment is provided in response to the display of the View payment sources command, and the choice of the source of payment for making the payment includes the choice of a financial services provider and the selection of a specific account associated with a financial service provider to make a payment, and the user’s activation of the View payment sources command prompts MFTS to retrieve current information a mute about accounts from one or more financial service providers and transmitting current account information to a mobile device after receiving such information from one or more financial service providers, and the MFTS database stores transaction information corresponding to the user's financial transactions, transaction information includes information about payments for production received from the user after selecting payment for production, in addition to other information used to track the status of the payment tags made by the user, and the transaction information includes one or more of the following information elements: user ID number, transaction ID, date of the accepted account for payment, due date for the payment of the account for payment, amount, identifier of the financial service provider, account ID, the payee identifier, the flag sign of waiting / completion, and the method further comprises the step of retrieving and displaying transaction information corresponding to the transactions, th user via the mobile device, through an Internet application, the user via the user computer, wherein the MFTS is further coupled for electronic exchange of information with a user's computer via a data communication network such as the Internet, and further comprising the steps of: Prepare an Internet application in association with the MFTS accept information about the user through an Internet application corresponding to financial service providers, accounts with financial service providers and payees; and store user information entered through the Internet application in the MFTS database for use in connection with the exchange of information with the user mobile device. 22. A mobile financial transaction system for a mobile device connected, for the exchange of information, with a wireless network, comprising: at least one user mobile device connected, for wireless information exchange, to the mobile financial transaction system (MFTS), the mobile device is operable for wirelessly receiving and displaying payment summary information for production from MFTS, payment summary information is based on information, adopted from the MFTS; and a mobile financial transaction system (MFTS), connected, for wireless information exchange, with one or more mobile devices of a user using a mobile service provider (MCSP), MFTS is connected, for electronic information exchange, with an aggregator that collects information from a variety of payment recipients with which the user has a financial relationship, MFTS includes a database of a mobile financial transaction system (MFTS) for storing user information and payment information for production, ass tsiativno associated with one or more payees, MFTS includes software MFTS, containing program code for performing computer implemented steps of: receiving payment information for production from the aggregator corresponding to the payment to be made by the user to the payee; generating summary information about payments for production in the MFTS based on information about payments for production, summary information about payments for production contains a predetermined selected subset of information about payments for production; and wirelessly transmitting payment summary information for production from the MFTS to the user’s mobile device via MCSP, the payment summary information transmitted to the mobile device consisting of the payee ID, the amount receivable and the due date, with the aggregator and MFTS implemented as an integrated system , for example, summary information about payments for production transmitted through the MFTS includes the coded identifier of the payee in addition to other information about the selected payments, the encoded identifier of the payee is reduced in size with respect to the identification information of the payee stored in the MFTS, the encoded identifier of the payee is used on the mobile device to retrieve additional information about the payee stored locally in the memory of the mobile device, with additional information about the payee payment is a pseudonym associated with the payee, the identified payee Ms corresponds to invoice for payment to the subject, who passed the information on accounts payable in the aggregator, the mobile device is further operable to: receiving user input corresponding to the choice of payment for production from among the plurality of payments represented by summary information about payments for production; in response to user input, the formation of a mobile payment order containing information corresponding to the selected payment for production and the payment source for the payment corresponding to the selected payment for production; and wirelessly transfer a mobile payment order from a user’s mobile device to MFTS, the MFTS software being additionally valid for the steps implemented by a computer: in response to receiving a mobile payment order from a mobile device, retrieving information from the MFTS database corresponding to the identified payee to receive the payment indicated by the mobile payment order, and information corresponding to the payment source identified in the mobile payment order; generation of the MFTS payment order to the recipient of the payment order, the MFTS payment order includes at least the amount and information corresponding to the identified payee; and transferring the MFTS payment order to the recipient of the payment order, therefore, the recipient of the payment order, in response to receiving the payment order MFTS, makes the payment to the identified payee, and the recipient of the payment order is one of the aggregator, financial services provider and a separate billing entity, and the user’s mobile device stores the cached balance for an account in a mobile device representing the balance in at least one account as of a specific date; while the user mobile device receives updated information about account balances for the account; and while in response to receiving updated information about account balances from MFTS, the mobile device displays updated information about account balances corresponding to the account to the user, and the payment source contains at least one account associated with at least one financial service provider wherein the payment source comprises a plurality of selectable user supported accounts with one or more selectable financial service providers, at least a portion of payment information for production is entered into the MFTS by a user through an Internet site associative with MFTS, which is reachable by the user to enter payment information for production and information about the payee, or entered by the user on a mobile device, and a portion of payment information for production contains identification information the recipient of the payment, and the step of displaying summary information about payments for production on the user’s mobile device is provided in response to activation of the user by the user of the function “View invoices for payment”, the step of displaying summary information about payments for production on a user’s mobile device is provided in response to receiving, on a mobile device, a text message from MFTS, the method further comprising the step of preparing the Mobile Wallet application on the user’s mobile device moreover, the Mobile Wallet application provides for the display on the mobile device of selectable teams, including one or more of the View Accounts command payable, commands View payment sources, commands Pay invoice (a), the display contains user controls for user-select payment for production in response to the display of the command View invoices for payment, and the user activating the command View invoices for payment prompts MFTS to retrieve information about payments for production from the aggregator and transmit summary information about payments for production to the mobile device after receiving such information from the aggregator, A user input corresponding to the choice of a source of payment for making a payment is provided in response to the Display sources of payment command, the choice of a source of payment for making a payment includes choosing a financial services provider and choosing a specific account associated with the selected financial services provider for production payment, and user activation of the View payment sources command causes MFTS to retrieve current account information from one or more settlements financial service providers and transmit current account information to a mobile device after receiving such information from one or more financial service providers, the MFTS database storing transaction information corresponding to the user's financial transactions, transaction information includes payment information for production, received from the user after selecting a payment for production, in addition to other information used to track the status of payments made by the user, Moreover, transaction information includes one or more of the following information elements: user ID number, transaction ID, date of the accepted invoice for payment, due date for the invoice to be paid, amount, financial service provider identifier, account identifier, payee identifier, checkbox sign of waiting / completion, and the system further comprises the step of retrieving and displaying transaction information corresponding to transactions conducted through the user mobile device in, through an Internet application, to a user through a user’s computer, the MFTS being further connected, for electronic exchange of information, to a user’s computer via a data network such as the Internet, and further comprising the steps of: preparing an Internet application in association with the MFTS; receiving information about the user through an Internet application corresponding to financial service providers, accounts with financial service providers and payees; and storing user information entered via the Internet application in the MFTS database for use in connection with the exchange of information with the user mobile device. 23. A method for a mobile financial transaction using a mobile device connected to exchange information with a wireless network, comprising the steps of: wirelessly receive summary information about payments for production on a mobile device from the mobile financial transaction system (MFTS), summary information about payments for production is based on information about payments for production received from the aggregator corresponding to the payment to be made by the user to the payee, summary payment information for production contains a predetermined selected subset of production payment information supplied to the MFTS aggregator; and display summary information about payments on a user’s mobile device, summary information about payments is based on summary information about payments for production received from the MFTS, and the summary information about payments transmitted to the mobile device consists of the identifier of the payee, amount receivable and due date moreover, the summary information about payments for production transmitted by the MFTS includes an encoded identifier of the payee in addition to other information about the selected payment Hedgehog, the coded identifier of the payee is reduced in size with respect to the identification information of the payee stored in the MFTS, the encoded identifier of the payee is used on the mobile device to retrieve additional information about the payee stored locally in the memory of the mobile device, with additional information about the payee is a pseudonym associated with the payee, the identified payee being There is an invoice for payment to the entity who transmitted information about the accounts payable to the aggregator, and the method further comprises the steps of: on a user mobile device, user input corresponding to the selection of a payment for production from among a plurality of payments represented by summary information about payments for production is received; on a user’s mobile device, in response to user input, a mobile payment order is generated containing information corresponding to the selected payment for production and the payment source for the payment corresponding to the selected payment for production; and wirelessly transmit the mobile payment order from the user mobile device to the MFTS; therefore, the MFTS issues a payment order to the recipient of the payment order to make the payment to the identified payee, the recipient of the payment order being one of the aggregator, financial services provider and a separate billing entity, the method further comprising the steps of: storing a cached account balance in a mobile device representing a balance in at least one account as of a specific date; accept updated information about account balances for the account; and in response to receiving updated information on account balances, updated information on account balances corresponding to the account is displayed to the user via a mobile device, the payment source comprising at least one account associated with at least one financial service provider, the source being a payment contains a plurality of selectable user-supported accounts with one or more selectable financial service providers, at least a portion of payment information for of production data is entered into the MFTS by a user through an Internet site associative with MFTS, which is reachable by the user to enter payment information for production and information about the payee, or entered by the user on a mobile device, and a portion of payment information for production contains identification information payee, and the stage at which display summary information about payments for production on the user’s mobile device is provided in response to the activation the user of the function “View invoices for payment”, the step of displaying summary information about payments for production on the user’s mobile device is provided in response to receiving, on the mobile device, a text message from the MFTS, the method further comprising the step of preparing a Mobile Wallet application on a user’s mobile device, the Mobile Wallet application providing for displaying selectable commands on a mobile device, including one and or more from the command View invoices for payment, the command View sources of payments and the command Pay invoice (a), the display contains user controls for user-select payment for production in response to the display of the command View invoices for payment, and the user activating the command View invoices to prompts MFTS to retrieve payment information for production from the aggregator and transmit summary payment information for production to the mobile device after receiving information from the aggregator, moreover, user input corresponding to the choice of the source of payment for making the payment is provided in response to the display of the View payment sources command, and the choice of the source of payment for making the payment includes the choice of a financial services provider and the selection of a specific account associated with a financial service provider to make a payment, and the user’s activation of the View payment sources command prompts MFTS to retrieve current information account information from one or more financial service providers and transmit current account information to a mobile device after receiving such information from one or more financial service providers. 24. A mobile device for viewing payments for production supplied by the aggregator, comprising: a mobile device connected to wirelessly exchange information through a mobile service provider to a mobile financial transaction system (MFTS), the mobile device includes a display device, user input means, a processor and memory; and software of a mobile device operating in the processor of a mobile device containing a control program for performing computer-implemented steps: wirelessly receiving summary information about payments for production from the mobile financial transaction system (MFTS), summary information about payments for production based on information about payments for production received from the aggregator corresponding to the payment to be made by the user to the payment recipient, summary information about payments for production contains a predefined selected subset of payment information for production supplied to the MFTS aggregator; and display summary information about payments on a user’s mobile device, summary information about payments is based on summary information about payments for production received from the MFTS, while summary information about payments transmitted to the mobile device consists of the identifier of the payee, amount received and due date payment, and summary information about payments for production transmitted through the MFTS includes an encoded identifier of the payee in addition to other information about the selected payments, the coded identifier of the payee is reduced in size relative to the identification information of the payee stored in the MFTS, while the encoded identifier of the payee is used on the mobile device to retrieve additional information about the payee stored locally in the memory of the mobile device, with additional information about the recipient payment is a pseudonym associated with the payee, the identified payee and corresponds to the invoice for payment entity, which transmitted information about the accounts payable to the aggregator, and the software of the mobile device is additionally valid for: receiving user input corresponding to the choice of payment for production from among the plurality of payments represented by summary information about payments for production; in response to user input, the formation of a mobile payment order containing information corresponding to the selected payment for production and the payment source for the payment corresponding to the selected payment for production; and wireless transfer of mobile payment order to MFTS; therefore, the MFTS issues a payment order to the recipient of the payment order to make the payment to the identified payee, and the recipient of the payment order is one of the aggregator, financial services provider and a separate billing entity, while the user’s mobile device stores the cached balance on the account in the mobile a device representing the balance in at least one account as of a specific date; while the user mobile device receives updated information about account balances for the account; and while in response to receiving updated information about account balances from MFTS, the mobile device displays updated information about account balances corresponding to the account to the user, and the payment source contains at least one account associated with at least one financial service provider wherein the payment source comprises a plurality of selectable user supported accounts with one or more selectable financial service providers, with at least a portion of payment information for production is entered into the MFTS by a user through an Internet site associative with MFTS, which is reachable by the user to enter payment information for production and information about the payee, or entered by the user on a mobile device, and a portion of payment information for production contains identification information payee, and the stage of displaying summary information about payments for production on a user’s mobile device is provided in response to the activation of the caller of the function “View invoices for payment”, the step of displaying summary information about payments for production on a user’s mobile device is provided in response to receiving, on a mobile device, a text message from MFTS, the software of the mobile device including the Mobile Wallet application, moreover, the Mobile Wallet application provides for the display on the mobile device of selectable teams, including one or more of the command View invoices for payment, the Pro deselect payment sources, the Pay Bill (a) command, the display containing user controls for user-select payment for production in response to the display of the View invoices for payment command, and the user activating the View invoices for payment command prompts the MFTS to retrieve payment information for production from the aggregator and transmit summary information about payments for production to the mobile device after receiving such information from the aggregator, and user input, with corresponding to the choice of a source of payment for making a payment, is provided in response to the display of the View payment sources command, moreover, selecting a source of payment for making a payment includes selecting a financial services provider and selecting a specific account associated with the selected financial services provider for making a payment, user activation of the View Payment Sources command encourages MFTS to retrieve current account information from one or more financial service providers HS and share current information about accounts on your mobile device after receiving such information from one or more financial service providers. 25. A method for a mobile financial transaction in response to a user with a mobile device connected to exchange information with a wireless network, comprising the steps of: prepare a system of mobile financial transactions (MFTS), connected, for wireless exchange of information, with a user's mobile device using a mobile service provider (MCSP), MFTS is connected, for electronic exchange of information, with an aggregator that collects information from many payment recipients, with with which the user has a financial relationship, MFTS includes a database of a mobile financial transaction system (MFTS) for storing user information and payment information for production, and associativity associated with one or more payees, accept information about payments for production in the MFTS from the aggregator corresponding to the payment to be made by the user to the payee; generate summary information about payments for production in the MFTS based on information about payments for production, a summary of payments for production contains a predetermined selected subset of information about payments for production; and wirelessly transmit payment summary information for production from the MFTS to the user’s mobile device via MCSP, the payment summary information transmitted to the mobile device consisting of the payee ID, amount received and due date, and the aggregator and MFTS are implemented as integrated system, and summary information about payments for production transmitted through the MFTS includes an encoded identifier of the payee in addition to other information about the selected payments, the encoded identifier of the payee is reduced in size with respect to the payee identification information stored in the MFTS, the method further comprising storing an alias associated with the payee, the identified payee corresponding to the billing entity, which transmitted information about accounts payable to the aggregator, the method further comprising the steps of: accept a mobile payment order from a user mobile device; in response to receiving a mobile payment order, extract information from the MFTS database corresponding to the identified payee to receive the payment indicated by the mobile payment order and information corresponding to the source of payment identified in the mobile payment order; form the MFTS payment order to the recipient of the payment order, the MFTS payment order includes at least the amount and information corresponding to the identified payee; and transmit the MFTS payment order from the MFTS to the recipient of the payment order, by virtue of which, the recipient of the payment order, in response to receiving the payment order MFTS, makes a payment to the identified payee, the recipient of the payment order being one of the aggregator, financial services provider and a separate billing entity, the method further comprising the steps of : liaise with the financial services provider to obtain updated information on account balances for the account; and wirelessly transmit updated account balance information from the MFTS to the user mobile device, due to which, in response to receiving updated information about account balances from MFTS, the mobile device displays updated information about account balances corresponding to the account to the user, and the payment source contains at least one account associated with at least one provider financial services, the source of payment comprising a plurality of selectable user-supported accounts with one or more selectable financial service providers, at least a portion of payment information for production is entered into the MFTS by a user through an Internet site associative with MFTS, which is reachable by the user to enter payment information for production and information about the payee, or entered by the user on a mobile device, and a portion of payment information for production contains identification information the payee, the method further comprising the step of delivering a text message to the user’s mobile device after receiving information about payments for production from the aggregator, and in response to the user activating the command View invoices for payment on the mobile device, the MFTS extracts payment information for production from the aggregator and transmits summary information about payments for production to the mobile device after receiving such information from the aggregator, a response to a user activating the View payment sources command on a mobile device, MFTS retrieves current account information from one or more financial service providers and transmits current billing information to a mobile device after receiving such information from one or more financial service providers, the MFTS database storing transaction information corresponding to the user's financial transactions, transaction information includes payment information for production received from the user after selecting a payment for production, in addition to other information used to track the status of payments made by the user, and transaction information x includes one or more of the following elements of information: user ID number, transaction ID, date of the accepted invoice for payment, maturity date of the invoice, amount, financial service provider identifier, account identifier, payee identifier, flag flag of expectation / completion, the method further comprising the step of retrieving and displaying transaction information corresponding to transactions conducted through the user mobile device via Inter an application, the user via the user computer, wherein the MFTS is connected to the electronic exchange of information with the user's computer via a data communication network such as the Internet, and further comprising the steps of: Prepare an Internet application in association with the MFTS accept information about the user through an Internet application corresponding to financial service providers, accounts with financial service providers and payees; and store user information entered through the Internet application in the MFTS database for use in connection with the exchange of information with the user mobile device. 26. A mobile financial transaction system (MFTS) for facilitating a mobile financial transaction from a user with a mobile device connected to exchange information with a wireless network, comprising: a mobile financial transaction system (MFTS) database for storing user information and payment information for production associated with one or more payees associated with a mobile device user; a computer system of the mobile financial transaction system (MFTS) for maintaining the MFTS database and conducting electronic exchange of information between entities involved in mobile financial payments, including an aggregator that collects information from a variety of payment recipients with whom the user has financial relations; and MFTS software operating in the MFTS computer system, containing a control program for performing computer-implemented steps: receiving payment information for production from the aggregator corresponding to the payment to be made by the user to the payee; generating summary information about payments for production in the MFTS based on information about payments for production, summary information about payments for production contains a predetermined selected subset of information about payments for production; and wirelessly transmitting payment summary information for production from the MFTS to the user’s mobile device through the mobile service provider, the payment summary information transmitted to the mobile device consisting of the payee ID, the amount receivable and the due date, the aggregator and MFTS implemented in as an integrated system, moreover, summary information about payments for production transmitted via MFTS includes an encoded identifier of the payee in addition to other information about the selected payments, the coded identifier of the payee is reduced in size with respect to the payee identification information stored in the MFTS, the MFTS database storing an alias associated with the payee, the identified payee corresponding to the billing entity, which transmitted information about accounts payable to the aggregator, moreover, the MFTS software is additionally valid for: receiving a mobile payment order from a user mobile device; in response to receiving a mobile payment order, retrieving information from the MFTS database corresponding to the identified payee to receive the payment indicated by the mobile payment order, and information corresponding to the payment source identified in the mobile payment order; generation of the MFTS payment order to the recipient of the payment order, the MFTS payment order includes at least the amount and information corresponding to the identified payee; and transferring the MFTS payment order from the MFTS to the recipient of the payment order, therefore, the recipient of the payment order, in response to receiving the payment order MFTS, makes a payment to the identified payee, and the recipient of the payment order is one of the aggregator, financial services provider and a separate billing entity, and MFTS communicates with the financial services provider to obtain updated information about account balances for the account; and wherein the MFTS wirelessly transmits updated account balance information from the MFTS to the user mobile device, and while in response to receiving updated information about account balances from MFTS, the mobile device displays updated information about account balances corresponding to the account to the user, and the payment source contains at least one account associated with at least one financial service provider moreover, the source of payment contains many selectable accounts supported by the user from one or more selectable financial providers, and at least a portion of information about payments to produce The property is entered into the MFTS by a user through an Internet site associative with MFTS, accessible by the user to enter payment information for production and information about the payee, or entered by the user on a mobile device, and a portion of information on payments for production contains identification information a payee, the system further comprising the step of delivering a text message to a user’s mobile device after receiving payment information for production from the aggregator, and in response to the user activating the command View invoices for payment on the mobile device, the MFTS extracts payment information for production from the aggregator and transmits summary information about payments for production to the mobile device after receiving such information from the aggregator, and in response to user activating the command View payment sources on a mobile device, MFTS retrieves current account information from one or more financial service providers and transfers the current inf the statement of the accounts to the mobile device after receiving such information from one or more financial service providers, the MFTS database storing transaction information corresponding to the user's financial transactions, transaction information includes information about payments for production received from the user after selecting the payment for production, in addition to other information used to track the status of payments made by the user, the transaction information including one n or more of the following information elements: user ID number, transaction identifier, date of the accepted invoice for payment, due date for the invoice to be paid, amount, financial service provider identifier, account identifier, payee identifier, check / wait flag, and the system further comprises the step of retrieving and displaying transaction information corresponding to transactions conducted through a user’s mobile device through an Internet application to a user through a user's computer, and the MFTS is connected, for electronic exchange of information, with the user's computer through a data network such as the Internet, and further comprising the steps of: preparing an Internet application in association with the MFTS; receiving information about the user through an Internet application corresponding to financial service providers, accounts with financial service providers and payees; and storing user information entered via the Internet application in the MFTS database for use in connection with the exchange of information with the user mobile device. 27. A method of making a financial payment to a payee from a user / payer using a mobile device connected to exchange information via a wireless network, comprising the steps of: receive user input, on a mobile device, information identifying the payee for the payment to be made, information identifying the payment source for the payment, and information corresponding to one or more selectable payment methods; on a user’s mobile device, in response to user input, a mobile payment order is generated containing information corresponding to the identified payee, source of payment and the selected payment method; wirelessly transfer the mobile payment order from the user mobile device to the mobile financial transaction system (MFTS); in MFTS and in response to receiving a mobile payment order, form the MFTS payment order to the recipient of the payment order, the MFTS payment order includes at least information identifying the payment source, the amount, information corresponding to the identified payee, and information indicating the selected payment method ; transmit the MFTS payment order from the MFTS to the recipient of the payment order; and the recipient of the payment order, in response to the receipt of the payment order MFTS, makes the payment to the identified payee without any required action by the payee, the payee being one of the financial services provider, billing aggregator for payment or a separate invoice to payment by the subject, and the source of payment contains a financial services provider with whom the user maintains a relationship, while the financial services provider g serves one or more accounts on behalf of the user, which are selectable for use as a source of payment, the method further comprising the steps of: storing a cached account balance in a mobile device representing a balance in at least one account as of a specific date; accept updated information about account balances for the account; and in response to receiving updated information about account balances, updated information on account balances corresponding to the account is displayed to the user via a mobile device, the user maintaining relationships with a variety of financial service providers, and the identification of the source of payment contains an account selection from one of the many financial service providers, the method further comprising the steps of, in response to receiving a mobile payment order in the MFTS: determine information corresponding to the selected account with the selected financial services provider identified in the payment order as a source of payment; form an MFTS payment order to a specific financial service provider, the MFTS payment order includes at least information identifying the selected account with the selected financial service provider, an amount, information corresponding to the identified payee, and information indicating the selected payment method; and transmitting the MFTS payment order from the MFTS to the selected financial service provider as the recipient of the payment order, the mobile financial transaction system (MFTS) including a database of the mobile financial transaction system (MFTS) for storing user information and information about payment sources associated with at least one account associated with at least one financial service provider; and wherein the step of determining the information corresponding to the selected account with the selected financial service provider identified in the payment order is to extract said information from information previously stored in the MFTS database, wherein the information about the payee is provided by the user by entering on a mobile device, and at least some information about the payee is entered by the user through a website accessible on the Internet t reached by the user for entering information about the payee, and then transmitted to the mobile device for display and selection by the user, the method further comprising preparing a Mobile wallet application on a user mobile device, the Mobile wallet application providing for display on a mobile device of selectable commands, including one or more of the Pay to anyone command, the Payment source selection command, and the Payment method selection command, p In this case, user input corresponding to the identification of the payment source is provided in response to the display of the Payment Source selection command, the identification of the payment source for making the payment contains the selection of a specific account associated with the financial service provider, and the activation of the Payment source selection command by the user causes MFTS to retrieve current information about bills from the selected financial services provider and transfer current billing information to the mobile device after the availability of such information from the selected financial services provider, the identified payee corresponding to the invoicing entity that transmitted the invoice information to the MFTS, and the MFTS includes a database for storing user information and transaction information, and information about transaction contains information about payments in addition to other information used to track the status of user payments, which includes one or more of the following information elements Rmacii: user ID, transaction ID, amount, financial service provider identifier, account identifier, payee identifier, payment method identifier, pending / completion flag, and user information contains previously stored information corresponding to payees, invoices and financial providers of services associated with users, the method further comprising receiving a payment confirmation message to the MFTS from the recipient of the payment order in response to the completion of the predetermined stage when making the payment, the method further comprising transmitting the payment confirmation message to the mobile device in response to receiving the payment confirmation message from the recipient of the payment order, the selected payment methods include : Recipient-defined method, ACH money transfer, paper check and card with a pledged limit of funds (SV), and MFTS is additionally connected, for electronic exchange of information with a user's computer through a data network such as the Internet, and further comprising stages in which: Prepare an Internet application in association with the MFTS accept information about the user through an Internet application corresponding to financial service providers, accounts with financial service providers and payees; and storing user information entered via the Internet application in the MFTS database for use in connection with payments initiated by the user mobile device, the method further comprising retrieving and displaying transaction information corresponding to transactions conducted through the user mobile the device, through the Internet application, to the user on the user's computer, the MFTS giving a message to the payee informing the payee making sure that the payment has been made, the message being the delivery of a text message to the payee’s mobile device, the message being delivered to the payee who has the Mobile wallet application on the payee’s mobile device, and the payee is informed in the message regarding the choice to receive payment, moreover, the selection option for receiving payment includes one or more of an existing card with a pledged limit of funds, a new card stored value of funds, payment method other than the payment method indicated by the user / payer. 28. A system for facilitating financial payment to a payee from a user / payer using a mobile device connected to exchange information via a wireless network, comprising: a user mobile device connected, for wireless exchange of information, with a mobile financial transaction system (MFTS), a mobile device is valid for: receiving user input of information identifying the payee for the payment to be made, information identifying the payment source for the payment, and information corresponding to one or more selectable payment methods; generating a mobile payment order containing information corresponding to the identified payee, source of payment, and the selected payment method; and wirelessly transfer a mobile payment order from a user’s mobile device to the mobile financial transaction system (MFTS); a computer system of a mobile financial transaction system (MFTS) for wireless communication with a user’s mobile device and operating for electronic exchange of information between entities involved in mobile financial payments; and MFTS software operating in the MFTS computer system, containing a control program for performing computer-implemented steps: in response to receiving a mobile payment order, generating an MFTS payment order to the recipient of the payment order, the MFTS payment order includes at least information identifying the payment source, amount, information corresponding to the identified payment recipient, and information indicating the selected payment method; and transferring the MFTS payment order from the MFTS to the recipient of the payment order, therefore, the recipient of the payment order, in response to receiving the payment order MFTS, pays the identified payee without any required action by the payee, and the payee is one of the financial services provider, billing aggregator or separate the billing entity, wherein the source of payment contains a financial services provider with whom the user maintains a relationship, and the financial provider financial services serves one or more accounts on behalf of the user, which are selectable for use as a source of payment, and the user maintains relationships with many financial service providers, and however, the identification of the source of payment contains a choice, on a mobile device, of an account with one of the many financial service providers, the user mobile device storing a cached account balance in the mobile device, representing the balance in at least one account as of a specific date; while the user mobile device receives updated information about account balances for the account; and while in response to receiving updated information about account balances from MFTS, the user mobile device displays updated information about account balances corresponding to the account to the user, and the system additionally contains steps in response to receiving a mobile payment order in MFTS: determining information corresponding to the selected account with the selected financial services provider identified in the payment order as a source of payment; generating an MFTS payment order to a specific financial service provider, the MFTS payment order includes at least information identifying the selected account with the selected financial service provider, an amount, information corresponding to the identified payee, and information indicating the selected payment method; and transmitting the MFTS payment order from the MFTS to the selected financial service provider as the recipient of the payment order, the mobile financial transaction system (MFTS) including a database of the mobile financial transaction system (MFTS) for storing user information and information about payment sources associated with at least one account associated with at least one financial service provider; and at the same time, the step of determining information corresponding to the selected account with the selected financial services provider identified in the payment order is carried out by extracting the mentioned information from information previously stored in the MFTS database, and information about the payee is provided by the user by entering on a mobile device, moreover at least some information about the payee is entered by the user through a website accessible on the Internet, achievable the caller to enter information about the payee, and then transferred to the mobile device for display and selection by the user, the system further comprising the step of preparing the Mobile Wallet application on the user mobile device, the Mobile Wallet application providing for displaying the selected commands on the mobile device, including number, one or more of the Pay to anyone command, the Payment source selection command and the Payment method selection command, the user input being The corresponding identification of the payment source is provided in response to the display of the Payment Source selection command, wherein the identification of the payment source for making the payment contains the selection of a specific account associatively associated with the financial service provider, and the activation of the Payment Source selection command by the user causes MFTS to retrieve the current account information from the selected financial service provider and transmit current account information to a mobile device after receiving such information from selected a financial service provider, the identified payee corresponding to the invoicing entity that transmitted the invoice information to the MFTS, the MFTS including a database for storing user information and transaction information, the transaction information containing information about payments in addition to other information used to track the status of a user's payments, including one or more of the following information elements: user ID numbers, and transaction identifier, amount, financial service provider identifier, account identifier, payee identifier, payment method identifier, pending / completion flag, and user information contains previously stored information corresponding to payees, invoices and financial services providers associated with users moreover, the MFTS software is additionally valid for receiving a payment confirmation message in the MFTS from Filling a payment order in response to the completion of a predetermined stage when making a payment, the MFTS software being additionally valid for sending a payment confirmation message to a mobile device in response to receiving a payment confirmation message from the recipient of the payment order, the payment methods selected include: determined by the recipient method, ACH money transfer, paper check and card with a pledged limit of funds (SV), moreover, MFTS is additionally connected, for electro the exchange of information with a user's computer through a data network such as the Internet, and further comprising the steps of: preparing an Internet application in association with the MFTS; receiving information about the user through an Internet application corresponding to financial service providers, accounts with financial service providers and payees; and storing user information entered through the Internet application in the MFTS database for use in connection with payments initiated by the user mobile device, the MFTS software being additionally valid for retrieving and displaying transaction information corresponding to transactions conducted through the user mobile the device, through the Internet application, to the user on the user's computer, and the MFTS issues a message to the payee, in Formulating the payee that the payment has been made, the message being a text message delivery to the payee’s mobile device, the message being delivered to the payee who has the Mobile wallet application on the payee’s mobile device, and the payee is informed in the message regarding a selection option for receiving a payment, the selection option for receiving a payment includes one or more of an existing card with a set limit om funds, a new card with a pledged limit on funds, a payment method other than the payment method specified by the user / payer. 29. A method for making a mobile financial payment using a mobile device connected to exchange information with a wireless network, comprising the steps of: prepare a system of mobile financial transactions (MFTS), connected, for wireless information exchange, with a user's mobile device using a mobile service provider (MCSP), MFTS is connected, for electronic exchange of information, with one or more payment sources, MFTS is connected, for electronic exchange of information with one or more sources of information about payees indicating the payee to whom the payment should be made; MFTS includes a database of a mobile financial transaction system (MFTS) for storing user information, payment information for production associated with one or more payees, and information about payment sources; MFTS includes an Internet application for receiving user input of user information and information related to payees; accept payment information for production in the MFTS from a source of information about payees corresponding to the payment to be made by the user to at least one payee; generate summary information about payments for production in the MFTS based on information about payments for production from a source of information about payment recipients, summary information about payments for production contains a predetermined selected subset of information about payments for production; wirelessly transmit payment summary information for production from MFTS to a user mobile device via MCSP; display information corresponding to the consolidated payment for production on a user mobile device; on a user mobile device, user input is received corresponding to the selection of a payment source for making a payment and the selection of at least one payment for making; on a user’s mobile device, in response to user input, a mobile payment order is generated containing information relevant to the payment for production and the selected payment source for making the payment; wirelessly transmit the mobile payment order from the user mobile device to the MFTS; in MFTS and in response to receiving a mobile payment order, extract information from the MFTS database corresponding to the identified payee to receive the payment specified by the payment order, and information corresponding to the source of payment; MFTS forms the payment order MFTS to the recipient of the payment order, the payment order MFTS includes at least the amount and information corresponding to the identified payee; transmit the MFTS payment order from the MFTS to the recipient of the payment order; and the recipient of the payment order, in response to receiving the payment order MFTS, makes the payment to the identified payee, the step of displaying information corresponding to the payment for production on the user’s mobile device is to display information corresponding to one or more selectable invoices for payment, one or more selectable invoices for payment include information about payments for production, associative associated with issuing invoices for payment su an entity associated with the invoice for payment, wherein the payment information for the production contains an invoice for payment, and the recipient of the payment is the invoicing entity, the recipient of the payment order being one of the financial services provider, billing aggregator or separate invoicing subject to payment, and summary information about payments for production transmitted through the MFTS includes an encoded identifier of the payee in addition to of information about the selected payments for production, the coded identifier of the payee is reduced in size relative to the identification information of the payee stored in the MFTS, the coded identifier of the payee is used on the mobile device to retrieve more comprehensive information about the billing entity stored locally in the memory of the mobile device, wherein the payment source comprises at least one account associated with at least one m financial services provider, the method further comprising the steps of: storing a cached account balance in a mobile device representing a balance in at least one account as of a specific date; accept updated information about account balances for the account; and in response to receiving updated information about account balances, updated information on account balances corresponding to the account is displayed to the user via a mobile device, the payment source containing a plurality of selectable accounts supported by the user from one or more selectable financial service providers, at least as a portion of information on payments for production is entered into the MFTS by the user via the Internet application or entered by the user on a mobile device, the method of Relatively contains a stage at which information about payments for production is displayed on the user’s mobile device in response to the user activating the function “View invoices for payment”, the stage at which information about payments for production is displayed on the user’s mobile device is provided in response to the reception , on a mobile device, messages from the MFTS, the message being a text message, the message being displayed via the Mobile Wallet application on a user’s mob the device, the method further comprising preparing a Mobile Wallet application on a user’s mobile device, the Mobile Wallet application providing for displaying selectable commands on the mobile device, including one or more of the View invoices for payment command, the View payment sources command and Pay Bill (a) commands, the display containing user controls for user-select the account to pay in response to the display the command View bills to be paid, the source of information about payees containing at least one source of information about bills, and the user activating the command View bills to pay causes MFTS to extract information about bills from the source of information about bills and transmit information about accounts payable to a mobile device after receiving such information from a source of information about accounts payable, and the source of information about accounts payable contains an aggregator of accounts for payment e, and the source of information on invoices for payment contains a separate invoice subject for payment, with user input corresponding to the source of payment for making payment provided in response to the display of the command View payment sources, and user input corresponding to the source of payment includes the choice of provider financial services and the selection of a specific account, associative associated with the selected financial services provider, to make a payment, and activation by the user View Payment Sources commands prompts the MFTS to retrieve current billing information from one or more financial service providers and transmit current billing information to a mobile device after receiving such information from one or more financial service providers, with the identified payee matching the billing entity, which transmitted information about payments for production to the MFTS, and summary information about payments for production transmitted to a mobile device, consists of the coded identifier of the payee, the amount and the due date, and the MFTS database stores transaction information corresponding to the user's financial transactions, transaction information includes information about payments for production received from the user after selecting a payment for production, in addition to other information used to track the status of payments made by the user, and transaction information includes one or more of the following elements Formations: numbers of user ID, transaction ID, date of the accepted invoice for payment, due date for payment of the invoice for payment, amount, identifier of the financial service provider, identifier of the account, identifier of the payee, flag sign of waiting / completion, and the method further comprises the steps of : accept user information through an Internet application corresponding to the sources of payments and payees; and storing user information entered via the Internet application in the MFTS database for use in connection with transactions, the method further comprising the steps of retrieving and displaying transaction information corresponding to transactions conducted through the user’s mobile device through the Internet application , to the user via the user's computer, the method further comprising the step of receiving a payment confirmation message in the MFTS from the payee I, in response to completion of a predetermined stage in the manufacture of payment, the method further comprises the step of transmitting the message confirmation of payment to the mobile device in response to receiving the message confirmation of payment by the recipient of the payment order, the method further comprises the steps of: on a user mobile device, user input corresponding to the choice of a payment method for making a payment is received; and on a user mobile device, in response to user input, include information in a mobile payment order corresponding to the selected method for making a payment, therefore, payment is carried out by the selected payment method, and the selected payment methods include: the method determined by the recipient, ACH money transfer, paper check and a card with a pledged limit of funds (SV). 30. A system for making a mobile financial payment using a mobile device connected to exchange information with a wireless network, comprising: a user mobile device connected, for wireless information exchange, with a mobile financial transaction system (MFTS), a mobile device is operable to wirelessly receive payment summary information for production from MFTS, receive user input corresponding to a payment for production and a payment source for making a payment , the formation of a mobile payment order for the MFTS, indicating the payment for the production and the source of payment, and wireless transfer of the mobile payment on orders in the MFTS; a mobile financial transaction system (MFTS) database associated with the MFTS for storing user information, payment information for production, associated with one or more payees, and information about payment sources associated with the user; a computer system of the mobile financial transaction system (MFTS) for maintaining the MFTS database and conducting electronic exchange of information between entities involved in mobile financial payments, MFTS is connected, for electronic exchange of information, with one or more payment sources, MFTS is connected, for electronic exchange of information , with one or more sources of information about payees indicating the payee to whom the payment should be made; and MFTS software operating in the MFTS computer system, including an Internet application for receiving user input of user information and information related to the payee, and containing a control program for performing computer-implemented steps: receiving payment information for production from the source of information about payees corresponding to the payment to be made by the user to at least one payee; generating summary information about payments for production on the basis of information about payments for production from a source of information about payment recipients, summary information about payments for production contains a predetermined selected subset of information about payments for production; wirelessly transmitting payment summary information for production from MFTS to a user mobile device via MCSP; in response to receiving a mobile payment order from a mobile device, retrieving information from the MFTS database corresponding to the identified payee to receive the payment specified by the payment order, and information corresponding to the payment source; generation of the MFTS payment order to the recipient of the payment order, the MFTS payment order includes at least the amount and information corresponding to the identified payee; and transferring the MFTS payment order from the MFTS to the recipient of the payment order, due to which, the recipient of the payment order, in response to receiving the payment order MFTS, pays the identified payee, the mobile device displaying information corresponding to one or more of the selected accounts for payment, one or more selected accounts for payment include information about payments for production, associative associated with the invoice for payment by the entity associative associated with the invoice for payment, and information about payments for the production of soda the invoice is payable, and the payee is the invoicing entity, the recipient of the payment order being one of the financial services provider, the invoicing aggregator or the separate invoicing entity, and the summary of payments for production transmitted through the MFTS , includes the coded identifier of the payee in addition to other information about the selected payments for production, the coded identifier of the payee i is reduced in size with respect to the payee identification information stored in the MFTS, the coded payee identifier being used on the mobile device to extract more comprehensive information about the billing entity stored locally in the memory of the mobile device, the payment source containing at least one an account associated with at least one financial service provider, the user mobile device being cached an account balance in a mobile device representing the balance in at least one account as of a specific date; while the user mobile device receives updated information about account balances for the account; and while in response to receiving updated information about account balances from MFTS, the mobile device displays updated information about account balances corresponding to the account to the user, and the payment source contains many selectable accounts supported by the user from one or more selectable financial service providers, moreover, at least a portion of information about payments for production is entered into the MFTS by the user via the Internet application or entered by the user on a mobile device, the mobile the device displays information about payments for production in response to the user activating the function "View invoices for payment", and the mobile device displays information about payments for production in response to receipt, on the mobile device, messages from the MFTS, the message being a text message, the message displayed in the Mobile Wallet application on a user’s mobile device, with MFTS delivering a downloadable Mobile Wallet application for use on a user’s mobile the device, moreover, the Mobile Wallet application provides for the display on the mobile device of the selected commands, including one or more of the command View invoices for payment, the command View payment sources and the command Pay bill (a), and the display contains user controls for user selection invoices for payment in response to the display of the command View invoices for payment, wherein the source of information about payees contains at least one source of information about the account payment, and the user’s activation of the View billing command prompts MFTS to retrieve billing information from the billing information source and transferring billing information to the mobile device after receiving such information from the billing information source moreover, the source of information on accounts for payment contains an aggregator of accounts for payment, and the source of information on accounts for payment contains a separate invoicing entity, moreover, the user input corresponds to A payment source for making a payment is provided in response to the display of the View payment sources command, and the user input corresponding to the payment source for making a payment includes the choice of a financial services provider and the selection of a specific account associated with the selected financial services provider for production payment, and user activation of the View payment sources command causes MFTS to extract current account information from one or more suppliers financial services and transmit current billing information to the mobile device after receiving such information from one or more financial service providers, the identified payee corresponding to the billing entity that passed the payment information for production to the MFTS, and the summary payment information for production, transferred to the mobile device, consists of the coded identifier of the payee, the amount and term of payment, and the MFTS database stores information For transactions that correspond to the user's financial transactions, transaction information includes payment information for production received from the user after selecting a payment for production, in addition to other information used to track the status of payments made by the user, and transaction information includes one or more of the following information elements: user ID number, transaction identifier, date of the accepted invoice for payment, due date for the invoice to be paid , the amount, the identifier of the financial services provider, the identifier of the account, the identifier of the payee, the flag sign of waiting / completion, and the Internet application is valid for receiving information about the user corresponding to the sources of payments and payees; and however, the MFTS database stores user information entered through the Internet application for use in connection with transactions, the Internet application being valid for retrieving and displaying transaction information corresponding to transactions conducted through the user’s mobile device through the Internet application , to the user through the user's computer, the MFTS software being valid for receiving a payment confirmation message from the payee If the MFTS software is additionally valid for sending a payment confirmation message to the mobile device in response to receiving the payment confirmation message from the recipient of the payment order, the mobile device is valid for receiving user input corresponding to the selection a payment method for making a payment, and including information in a mobile payment order corresponding to the selected payment method for making the payment, and the selected payment methods include: the recipient-defined method, ACH money transfer, paper check and card with a set limit of funds (SV). 31. A method for making a mobile financial payment using a mobile device connected to exchange information with a wireless network, comprising the steps of: accept user input on the mobile device corresponding to the choice of the source of payment for the payment and the selection of at least one payment for production; form a mobile payment order containing information relevant to the payment for production and the selected payment source for the payment; and wirelessly transfer a mobile payment order from a user’s mobile device to the mobile financial transaction system (MFTS), connected, for wireless information exchange, with one or more payment sources and with one or more sources of information about payees indicating the identified payee to whom payment made therefore, in response to receiving a mobile payment order, the MFTS makes a payment to the identified payee by transmitting the payment order to the payee, the method further comprising displaying information on the mobile device corresponding to the payment for production, information corresponding to one or more selectable invoices for payment, one or more selectable invoices for payment include information about payments for production, associates optionally associated with a billing entity, associated with a payment invoice, the payment information for production containing an invoice for payment, and the payee is a billing entity, the method further comprising receiving a summary of payment information for production transmitted by the MFTS, and display information corresponding to the summary information about payments for production, and the summary information about payments for production includes the encoded identifier of the payee in addition to other information about the selected payments for production, the encoded identifier of the payee is reduced in size with respect to the identification information of the payee stored in the MFTS, the encoded identifier of the payee is used on the mobile device to retrieve more comprehensive billing information payable to an entity stored locally in the memory of a mobile device, moreover, summary information about payments To manufacture transmitted to the mobile device consists of a coded payee identifier, amount and date of payment, and payment source comprises at least one account associated with the at least one financial service provider, the method further comprising the steps of: storing a cached account balance in a mobile device representing a balance in at least one account as of a specific date; accept updated information about account balances for the account; and in response to receiving updated information on account balances, updated information on account balances corresponding to the account is displayed to the user via a mobile device, the payment source comprising a plurality of selectable accounts supported by the user from one or more selectable financial service providers, and at least as a portion of the payment information for the production used in the payment process is entered into the MFTS by the user through an Internet application associated with the MFTS, or and entered by the user on the mobile device, the method further comprising displaying payment information for production on the user mobile device in response to the user activating the function “View invoices for payment”, the method further comprising displaying payment information for production on a user’s mobile device in response to receiving, on a mobile device, messages from the MFTS, the message being a text message, moreover, reported this is displayed through the Mobile Wallet application on a user’s mobile device, the method further comprising preparing a Mobile Wallet application on a user’s mobile device, the Mobile Wallet application providing for displaying selectable commands on the mobile device, including one or more of the View command invoices for payment, commands View sources of payments and commands Pay invoice (a), and the display contains user controls for the user to select the account to be paid in response to the display of the View invoices for payment command, the source of information on payees containing at least one source of information on invoices for payment, and the user activating the View invoices for payment command prompts the MFTS to retrieve information about accounts payable from the source of information about accounts payable and transmit information about accounts payable to a mobile device after receiving such information from the source of information about accounts to payment, and the source of information on accounts for payment contains an aggregator of accounts for payment, and the source of information on accounts for payment contains a separate billing entity, and user input corresponding to the source of payment for making payment is provided in response to the display of the command View payment sources moreover, the user input corresponding to the source of payment includes the choice of a financial services provider and the selection of a specific account associated with the selected payment financial services provider to make a payment, and the user’s activation of the View Payment Sources command encourages MFTS to extract current account information from one or more financial service providers and transfer current account information to a mobile device after receiving such information from one or more financial service providers, moreover, the identified payee corresponds to the invoicing entity who transmitted the payment information for production to the MFTS, The method further comprises the step of wirelessly receiving the payment confirmation message in the mobile device from the MFTS in response to receiving the payment confirmation message from the recipient of the payment order, the method further comprising the steps of: accept user input corresponding to the choice of payment method for making payment; and in response to user input, information is included in the mobile payment order corresponding to the selected payment method, the selected payment methods include: a recipient-defined method, ACH money transfer, a paper check and a card with a fixed limit of funds (SV). 32. A mobile device for making mobile financial payment via a wireless network, comprising: a mobile device connected to wirelessly exchange information through a mobile service provider to a mobile financial transaction system (MFTS), the mobile device includes a display device, user input means, a processor and memory; and software of a mobile device operating in the processor of a mobile device containing a control program for performing computer-implemented steps: receiving user input corresponding to the selection of the source of payment for the payment and the selection of at least one payment for production; the formation of a mobile payment order containing information relevant to the payment for production and the selected source of payment for the payment; and wirelessly transmitting a mobile payment order from a user’s mobile device to the mobile financial transaction system (MFTS), connected, for wireless information exchange, with one or more payment sources and with one or more sources of information about payment recipients indicating the identified payee, which should be payment made due to which, in response to receiving a mobile payment order, the MFTS makes a payment to the identified payee by transmitting the payment order to the recipient of the payment order, and the mobile device is additionally valid for displaying information corresponding to the payment for production, information corresponding to one or more selected accounts for payment, one or more selectable invoices for payment include information about payments for production, associative associated with the invoicing entity associated with the invoice for payment, information about payments for production contains an invoice for payment, and the payee is the invoicing entity, while the mobile device is also valid for receiving summary information about payments for production transferred through the MFTS and displaying information corresponding to summary information about payments for production, and summary information about payments for production including includes the encoded identifier of the payee in addition to other information about the selected payments for production, the encoded identifier of the payee is reduced in size with respect to the identification information of the payee stored in the MFTS, while the encoded identifier of the payee is used on the mobile device to extract more comprehensive information about the invoice for payment of the entity stored locally in the memory of the mobile device, while the summary information about payments for production sent to the mobile device consists of the encoded identifier of the payee, the amount and the payment term, the payment source containing at least one account associated with at least one financial service provider, the user mobile device storing the cached balance on an account in a mobile device representing the balance in at least one account as of a specific date; wherein the user mobile device receives updated account balance information for the account and wirelessly transmits updated account balance information from the MFTS to the user mobile device; and while in response to receiving updated information about account balances from MFTS, the mobile device displays updated information about account balances corresponding to the account, to the user, and the payment source contains many selectable accounts supported by the user from one or more selectable financial service providers, however, at least a portion of the payment information for the production used in the payment process is entered into the MFTS by the user through an Internet application associated with the MFTS, or entered by the user on a mobile device, while the mobile device is additionally valid for displaying information about payments for production in response to the user activating the function "View invoices for payment", while the mobile device is additionally valid for displaying information about payments for production in response to receive, on a mobile device, messages from the MFTS, the message being a text message, the message being displayed via the Mobile application a wallet on a user’s mobile device, the software of the mobile device containing the Mobile Wallet application, the Mobile Wallet application providing for displaying the selected commands on the mobile device, including one or more of the command View invoices for payment, commands View sources of payments, commands Pay account (a), wherein the display contains user controls for user-select the account to pay in response to the coma display View the invoices for payment, while the source of information on the payees contains at least one source of information about invoices for payment, and the user activating the View invoices for payment command causes MFTS to extract information about invoices for payment from the source of information about invoices for payment and transmit information about accounts payable to a mobile device after receiving such information from a source of information about accounts payable, while the source of information about accounts payable contains an aggregator of accounts payable, etc. In this case, the source of information on accounts for payment contains a separate invoicing entity, and the user input corresponding to the source of payment for making a payment is provided in response to the display of the View payment sources command, and the user input corresponding to the source of payment includes the choice of financial services provider and selecting a specific account associatively associated with the selected financial services provider to make a payment, and the user activating the com IDs View payment sources prompts MFTS to retrieve current account information from one or more financial service providers and transfer current account information to a mobile device after receiving such information from one or more financial service providers, while the identified payee corresponds to the invoicing entity , which transmitted information about payments for production to the MFTS, while the mobile device is additionally valid for wireless reception with communication payment confirmation on the mobile device from the MFTS in response to receipt of the payment confirmation message from the payment instruction recipient, in this case the mobile device is further operable to: receiving user input corresponding to the choice of payment method for making a payment; and in response to user input, including information in a mobile payment order corresponding to the selected method for making a payment, and the selected payment methods include: a recipient-defined method, ACH money transfer, a paper check and a card with a fixed limit of funds (SV). 33. A computer-implemented method for a mobile financial transaction system (MFTS) to make a financial payment to a payee in response to a mobile device connected to exchange information via a wireless network, comprising the steps of: preparing an Internet application for receiving user input of user information and information related to payees; accept information about payments for production from the source of information about payees, corresponding to the payment to be made by the user of the mobile device to at least one payee; generating summary information about payments for production on the basis of information about payments for production from a source of information about payment recipients, summary information about payments for production contains a predetermined selected subset of information about payments for production; wirelessly transmit payment summary information for production from the MFTS to the user mobile device; wirelessly accept a mobile payment order from a user mobile device; in response to receiving a mobile payment order, extract information from the MFTS database corresponding to the identified payee to receive the payment specified by the payment order and information corresponding to the source of payment; form the MFTS payment order to the recipient of the payment order, the MFTS payment order includes at least the amount and information corresponding to the identified payee; and transfer the MFTS payment order to the recipient of the payment order, therefore, in response to receiving an MFTS payment order, the recipient of the payment order makes a payment to the identified payee, and the payment information for the production contains an invoice for payment, and the payee is the invoicing entity, and the recipient of the payment order is one of the suppliers financial services, a billing aggregator for payment or a separate billing entity, moreover, summary information about payments for production is transferred generated by the MFTS includes an encoded identifier of the payee in addition to other information about the selected payments for production, the encoded identifier of the payee is reduced in size with respect to the identification information of the payee stored in the MFTS, wherein the payment source contains at least one account, associated with at least one financial service provider, the method further comprising the steps of: storing a cached account balance in a mobile device representing a balance in at least one account as of a specific date; accept updated information about account balances for the account; and in response to receiving updated information about account balances, updated information on account balances corresponding to the account is displayed to the user via a mobile device, the payment source containing a plurality of selectable accounts supported by the user from one or more selectable financial service providers, moreover, at least, a portion of payment information for production is entered into the MFTS by a user via an Internet application or entered by a user on a mobile device, the method of additional It further comprises the step of wirelessly transmitting the message to the user’s mobile device in response to receiving payment information to generate information about the payees from the source, the message being configured to be displayed on the user’s mobile device using the Mobile Wallet application, the message being a text message, wherein the method further comprises preparing a downloadable Mobile Wallet application for a user mobile device, and the source of information on payees contains at least one source of information about accounts payable, and the activation of the user of the command View accounts for payment on a mobile device causes MFTS to extract information about accounts for payment from the source of information about accounts for payment and transmit information about accounts payable to a mobile device after receiving such information from a source of information about accounts payable, and the source of information about accounts payable contains the subject of invoices for payment, the source of information on invoices for payment contains an aggregator of invoices for payment, moreover, the mobile payment order includes a user’s choice of financial services provider and the choice of a specific account associated with the selected financial services provider to make a payment, user activation of the View payment sources command on a mobile device encourages MFTS to retrieve current account information from one or more financial providers x services and wirelessly transmit current billing information to a mobile device after receiving such information from one or more financial service providers, the identified payee corresponding to the billing entity that transmitted payment information for production to the MFTS, and summary information about payments for production transferred to the mobile device consists of the encoded identifier of the payee, the amount and due date, the method further contains a step where transaction information corresponding to a user's financial transactions is stored, transaction information includes payment information for production received from the user after selecting a payment for production, in addition to other information used to track the status of payments made by the user wherein the transaction information includes one or more of the following information elements: user ID number, transaction ID, date received from ETA to be paid, the date of payment of accounts payable, the amount, a financial service provider identifier, an account identifier, payee identifier, the flag waiting / end, the method further comprises the steps of: accept user information through an Internet application corresponding to the sources of payments and payees; and storing user information entered through the Internet application for use in connection with transactions, the method further comprising the steps of retrieving and displaying transaction information corresponding to transactions conducted through the user’s mobile device through the Internet application, to the user through the computer the user, the method further comprising the step of receiving a payment confirmation message in the MFTS from the recipient of the payment order in response to solving a predetermined stage when making a payment by the recipient of a payment order, the method further comprising transmitting a payment confirmation message to the mobile device in response to receiving a payment confirmation message from the recipient of the payment order, the mobile payment order including information corresponding to the choice of method payment to make a payment, and the payment is made through the selected payment method, moreover, the selected methods latezha include: a recipient-defined method, ACH funds transfer, a paper check, and a stored value card means (SV). 34. A system of mobile financial transactions (MFTS) for making payments on behalf of a user with a mobile device connected to exchange information with a wireless network, comprising: a mobile financial transaction system (MFTS) database for storing user information and payment information for production associated with one or more payees associated with a mobile device user; a computer system of the mobile financial transaction system (MFTS) to maintain the MFTS database and conduct electronic exchange of information between entities involved in mobile financial payments; and MFTS software operating in the MFTS computer system, including an Internet application for receiving user input of user information and information related to payees, the MFTS software contains a control program for performing computer-implemented steps: receiving payment information for production from the source of information about payees corresponding to the payment to be made by the user of the mobile device to at least one payee; generating summary information about payments for production on the basis of information about payments for production from a source of information about payment recipients, summary information about payments for production contains a predetermined selected subset of information about payments for production; wirelessly transmitting payment summary information for production from MFTS to a user mobile device; wirelessly receiving a mobile payment order from a user mobile device; in response to receiving a mobile payment order, extracting information from the MFTS database corresponding to the identified payee to receive the payment indicated by the payment order, and information corresponding to the source of payment; generation of the MFTS payment order to the recipient of the payment order, the MFTS payment order includes at least the amount and information corresponding to the identified payee; and transfer the MFTS payment order to the recipient of the payment order, therefore, in response to receiving an MFTS payment order, the recipient of the payment order makes a payment to the identified payee, and the payment information for the production contains an invoice for payment, and the payee is the invoicing entity, and the recipient of the payment order is one of the suppliers financial services, aggregator of invoicing for payment or a separate invoicing entity, moreover, summary information about payments for production delivered by the MFTS includes an encoded identifier of the payee in addition to other information about the selected payments for production, the encoded identifier of the payee is reduced in size with respect to the identification information of the payee stored in the MFTS, wherein the payment source contains at least one account, associated with at least one financial service provider, the payment source comprising a plurality of selectable accounts supported by a user lem, at one or more selectable financial service providers, the user mobile device storing a cached account balance in the mobile device, representing the balance in at least one account as of a specific date; while the user mobile device receives updated information about account balances for the account; and while in response to receiving updated information about account balances from MFTS, the user’s mobile device displays updated information about account balances corresponding to the account to the user, and at least a portion of the payment information for production is entered into the MFTS by the user via the Internet application or is entered by a user on a mobile device, the system further comprising the step of wirelessly transmitting a message to the user mobile device in response to receiving board information ah for producing from the source information about the payees, the message being a text message, the message being configured to be displayed on the user’s mobile device using the Mobile Wallet application, the system further comprising preparing a downloadable Mobile Wallet application for the user’s mobile device, the source of information about the recipients of payments contains at least one source of information about accounts payable, and the user’s command to view billing accounts on a mobile device prompts MFTS to retrieve billing information from the billing information source and transferring billing information to the mobile device after receiving such information from the billing information source, and the source of information about accounts payable contains an aggregator of accounts payable, and the source of information about accounts payable contains a separate invoice for payment entity, moreover, a mobile payment order including includes a user’s choice of financial services provider and a specific account associated with the selected financial services provider to make a payment, and the user’s activation of the View payment sources command on a mobile device causes MFTS to retrieve current account information from one or more financial service providers and wirelessly transmit current billing information to a mobile device after receiving such information from one or more financial providers services, and the identified payee corresponds to the invoicing entity that transmitted the payment information for production to MFTS, and the summary information about payments for production transmitted to the mobile device consists of the encoded identifier of the payee, the amount and payment term, and the software MFTS software is additionally valid for storing transaction information corresponding to the user's financial transactions, transaction information including includes information about payments for production received from the user after selecting a payment for production, in addition to other information used to track the status of payments made by the user, and transaction information includes one or more of the following information elements: ID numbers user, transaction identifier, date of the accepted invoice for payment, due date for the invoice to be paid, amount, financial service provider identifier, account identifier, recipient identifier Latvia, the flag of expectation / completion, and the MFTS software is additionally valid for receiving user information through the Internet application corresponding to the sources of payments and payees, and storing user information entered through the Internet application for use in connection with transactions, moreover, the MFTS software is additionally valid for the extraction and display of transaction information corresponding to transactions conducted through the mobile device, via the Internet application, to the user through the user's computer, the MFTS software being additionally valid for receiving the payment confirmation message in the MFTS from the recipient of the payment order in response to the completion of the predetermined stage when the payment was made by the recipient of the payment order, the MFTS software additionally is valid for sending a payment confirmation message to a mobile device in response to reception summarizing the payment confirmation from the recipient of the payment order, the mobile payment order including information corresponding to the choice of the payment method for making the payment, and the payment is made by the selected payment method, the selected payment methods include: the method determined by the recipient, money transfer ACH, paper check and card with a pledged limit of funds (SV). 35. A method of selecting a payment source for use in the production of a mobile financial payment using a mobile device connected to exchange information with a wireless network, comprising the steps of: preparing a mobile financial transaction system (MFTS) associated, for wireless information exchange, with a user's mobile device using a mobile service provider (MCSP), MFTS is connected, for electronic information exchange, with one or more financial service providers with which the user supports one or more accounts, the MFTS includes a database of a mobile financial transaction system (MFTS) for storing user information, payment information for production, associated with ne or more payees, and payment information sources associated with the at least one account associated with the at least one financial service provider; display information corresponding to a payment for production on a user mobile device; display information corresponding to the set of accounts available to the user as a source of payment for use in connection with the payment; on the user mobile device, accept user input corresponding to the choice of the source of payment for the payment; on a user’s mobile device, in response to user input, a mobile payment order is generated containing information relevant to the payment and the selected payment source for making the payment; wirelessly transmit the mobile payment order from the user mobile device to the MFTS; in MFTS and in response to receiving a mobile payment order, information from the MFTS database corresponding to the identified payee for receiving the payment indicated by the payment order and information corresponding to the selected payment source identified in the payment order are retrieved; the MFTS generates the MFTS payment order to the recipient of the payment order, the MFTS payment order includes at least the amount, information corresponding to the identified payee, and information indicating the selected payment source; transmit the MFTS payment order from the MFTS to the recipient of the payment order; and the recipient of the payment order, in response to receiving the payment order MFTS, makes the payment to the identified payee using the selected payment source, and the recipient of the payment order is one of the financial services provider, billing aggregator or a separate billing entity, the selected the payment source contains a financial service provider with which the user maintains a relationship, and the financial service provider coexists one or more accounts on behalf of the user, which are selectable for use as a source of payment, and the user maintains relationships with a variety of financial service providers, and the choice of source of payment comprises selecting an account with one of the many financial service providers, the method further comprising the step of accepting payment information for production in the MFTS corresponding to the payment to be made by the user to the payee, the method of additionally comprises the steps of: generate summary information about payments for production in the MFTS based on information about payments for production, a summary of payments for production contains a predetermined selected subset of information about payments for production; and wirelessly transmit summary payment information for production from the MFTS to the user’s mobile device via MCSP, the mobile payment order including information identifying the selected account with the selected financial services provider, the payment information for production containing payment information for production supplied in MFTS by an external source, is entered by the user through a website accessible on the Internet, accessible by the user for entering payment information for information and information about payment recipients, or entered by the user on a mobile device, the external source for payment information for production contains a billing system that delivers billing information from a variety of billing entities, as well as individual billing entities payable by the subject, moreover, information about payments for production contains information corresponding to one or more of the following: a periodic bill for payment, a bill payable from the aggregate billing, payment from a separate invoicing company, payment “pay to anyone”, the information corresponding to the payment for production displayed on the user’s mobile device contains information based on a summary of payments for production, moreover corresponding to the set of accounts available to the user as a source of payment for use in connection with the payment, contains summary information about the sources of payments, and the stage at which the torus displays information corresponding to a payment for production and / or a plurality of accounts on a user’s mobile device in response to a user activating a predefined function on a mobile device, and activating a predefined function by the user causes the MFTS to retrieve information from the source of payment information for production and / or the source of payment and forward the information to the user’s mobile device upon receipt, the step of displaying the information corresponding to the payment for production on the user’s mobile device is provided in response to receiving, on the mobile device, a text message from the MFTS, the method further comprising preparing a Mobile wallet application on the user’s mobile device, the Mobile Wallet application providing for display on the mobile device of the selected teams, including one or more of the team View invoices for payment, team View sources of payments and team s Pay an invoice (a), the method further comprising accepting a user input corresponding to the choice of payment for production, which is provided in response to the display of the View invoices for payment command, and the user activating the View invoices for payment command prompts the MFTS to retrieve information about bills payable from the billing system for payment and transmit information about bills payable to a mobile device after receiving such information from the billing system for payment, user input corresponding to the choice of the source of payment for making a payment is provided in response to the display of the View payment sources command, and the user activating the View payment sources command causes MFTS to retrieve current account information from one or more financial service providers and transfer current account information to a mobile the device after receiving such information from one or more financial service providers, and the choice of the source of payment for the production of the hedgehog includes selecting a financial services provider and selecting a specific account associated with the selected financial services provider to make a payment, the default payment source being stored as user information, while the mobile device displays an invitation to the user to use the default payment source or choose a different source of payment, and if there is no choice of another available source of payment by the user, the default source of payment is used to make a payment, the MFTS database storing transaction information corresponding to the user's financial transactions, transaction information includes payment information for production in addition to other information used to track the state of the user's payments, and the transaction information includes one or more of the following information elements: user ID number, transaction identifier, date of the accepted invoice for payment, due date for the invoice to be paid, amount, the identifier of the financial service provider, the identifier of the account, the identifier of the payee, the flag sign of waiting / completion, the method further comprising receiving a confirmation message of payment from the payment source in the MFTS in response to the completion of a predetermined stage when making a payment, the method further comprising , on which the payment confirmation message is transmitted to the mobile device in response to receiving the payment confirmation message from the payment source, wherein GSS further comprises the steps of: on a user mobile device, user input corresponding to the choice of a payment method for making a payment is received; and on a user’s mobile device, in response to user input, information is included in the mobile payment order corresponding to the selected payment method, and the selected payment methods include: a recipient-defined method, ACH money transfer, paper check and a card with a fixed limit of funds (SV), moreover, the MFTS is connected, for electronic exchange of information, with a user's computer via a data network such as the Internet, and further comprising stages in which: Prepare an Internet application in association with the MFTS receive user information through an Internet application; and save user information entered through the Internet application in the MFTS database for use in connection with transactions initiated by the user mobile device, and user information received through the Internet application includes information corresponding to financial service providers, accounts from financial service providers and payees, the method further comprising the step of retrieving and displaying transaction information corresponding to the transaction nzaktsam through a user’s mobile device, through an Internet application, to a user through a user’s computer, and the method further comprises the steps of: storing a cached account balance in a mobile device representing a balance in at least one account as of a specific date; receive updated information about the account balances from the MFTS in the user mobile device; and In response to receiving updated information about account balances from the MFTS, updated information about account balances corresponding to the account is displayed to the user via a mobile device. 36. A system of mobile financial transactions in place to enable the user to select a payment source for use in making a mobile financial payment using a mobile device connected to exchange information with a wireless network, comprising: a user mobile device connected, for wireless information exchange, with a mobile financial transaction system (MFTS), a mobile device is operable to wirelessly receive summary information about payment sources from MFTS, display one or more selectable accounts for making a payment, receive user input corresponding to selecting a payment source for making a payment, generating a mobile payment order for MFTS indicating a payment for production, and wireless Transferring a mobile payment instruction in the MFTS; a mobile financial transaction system (MFTS) database associated with the MFTS for storing user information, payment information for production, associated with one or more payees, and information about payment sources associated with at least one account associated with at least one financial provider of the user; a computer system of the mobile financial transaction system (MFTS) to maintain the MFTS database and conduct electronic exchange of information between entities involved in mobile financial payments; and MFTS software operating in the MFTS computer system, containing a control program for performing computer-implemented steps: delivery of information to a user’s mobile device corresponding to a payment for production; delivering information to a user’s mobile device corresponding to the set of accounts available to the user as a payment source for use in connection with making a payment; in response to receiving a mobile payment order from a mobile device, retrieving information from the MFTS database corresponding to the identified payee to receive the payment indicated by the payment order, and information corresponding to the selected payment source identified in the payment order; generating an MFTS payment order to the recipient of the payment order, the MFTS payment order includes at least the amount, information corresponding to the identified payee, and information indicating the selected payment source; and transferring the MFTS payment order from the MFTS to the recipient of the payment order, therefore, the recipient of the payment order, in response to receiving the payment order MFTS, pays to the identified payee using the selected payment source, and the recipient of the payment order is one of the financial services provider, billing aggregator for payment or a separate billing entity moreover, the selected payment source contains a financial services provider with which the user maintains a relationship, and at the same time, the financial provider the service serves one or more accounts on behalf of the user, which are selectable for use as a source of payment, we receive the user maintains relationships with many financial service providers, and the choice of payment source contains the choice of account from one of the many financial service providers, and the software MFTS is additionally valid for receiving payment information for production corresponding to a payment to be made by the user to the recipient latezh, and software MFTS software is further operable to: generating summary information about payments for production on the basis of information about payments for production, summary information about payments for production contains a predetermined selected subset of information about payments for production; and wirelessly transmit summary payment information for production from the MFTS to the user’s mobile device via MCSP, the mobile payment order including information identifying the selected account with the selected financial services provider, the payment information for production containing payment information for production supplied in MFTS by an external source, is entered by the user through a website accessible on the Internet, accessible by the user for entering payment information for information and information about payees, or entered by the user on a mobile device, the external source for payment information for production contains a billing system that delivers invoice information from a variety of billing entities, as well as a separate invoice subject to payment, moreover, information about payments for production contains information corresponding to one or more of the following: a periodic invoice for payment, an invoice for payment from the aggregate a payable invoice, a payable invoice from a separate invoicing company payable, a “pay to anyone” payment, the information corresponding to the payment for production displayed on the user’s mobile device containing information based on a summary of payments for production, moreover information corresponding to the set of accounts available to the user as a source of payment for use in connection with the payment process contains a summary of the sources of payment, This stage of displaying information corresponding to a payment for production and / or multiple accounts on a user’s mobile device is carried out in response to a user activating a predefined function on a mobile device, and user activating a predefined function prompts MFTS to extract information from the source of payment information for production and / or a source of payment and forward the information to the user’s mobile device after receipt, and the step of displaying information, respectively An existing payment for production, on a user’s mobile device, is provided in response to receiving, on a mobile device, a text message from MFTS, the system further comprising a Mobile Wallet application on a user’s mobile device, the Mobile Wallet application providing for displaying selectable commands on a mobile device, including one or more of the team View invoices for payment, teams View sources of payments, teams Pay invoice (a), and the application Mo The wallet is valid for receiving user input corresponding to the choice of payment to be made in response to the display of the View invoices for payment command, and the user’s activation of the View invoices for payment command prompts MFTS to extract information about invoices for payment from the invoicing system for payment and transmit information bills payable to a mobile device after receiving such information from a billing system for payment, with user input corresponding to the choice of source a payment booklet for making a payment, provided in response to the display of the View payment sources command, and the user activating the View payment sources command prompts MFTS to retrieve current account information from one or more financial service providers and transfer current account information to a mobile device after receiving such information from one or more financial service providers, moreover, the choice of the source of payment for the payment includes the choice of financial provider meadow and the selection of a specific account associated with the selected financial services provider for making a payment, the default payment source being stored as user information, while the mobile device displays an invitation to the user to use the default payment source or choosing a different payment source, and when this, in the absence of a choice of another available source of payment by the user, the default source of payment is used to make the payment, and the base for The MFTS stores transaction information corresponding to the user's financial transactions, the transaction information includes payment information for production in addition to other information used to track the state of the user's payments, the transaction information including one or more of the following information elements : number of user ID, transaction ID, date of the accepted invoice for payment, due date for the invoice to be paid, amount, identifier of the financial services provider, ID an invoice identifier, a payee identifier, a pending / completion flag, the MFTS software being additionally valid for receiving a payment confirmation message from the payment source in response to the completion of a predetermined stage when making a payment, the MFTS software being additionally valid for transmitting a payment confirmation message to a mobile device in response to receiving a payment confirmation message from a payment source, the mobile device o is additionally valid for: receiving user input corresponding to the choice of payment method for making a payment; and in response to user input, inclusion of information in a mobile payment order corresponding to the selected method for making a payment, the selected payment methods including: a method determined by the recipient, ACH funds transfer, a paper check and a card with a fixed limit of funds (SV), moreover MFTS is connected, for electronic exchange of information, with a user’s computer through a data network such as the Internet, and further comprising the steps of: preparing an Internet application in association with the MFTS; receiving user information through an Internet application; and storing user information entered through the Internet application in the MFTS database for use in connection with transactions initiated by the user mobile device, the user information received through the Internet application includes information corresponding to financial service providers, accounts from financial service providers and payees, moreover, the MFTS software is additionally valid for the extraction and display of transaction information s corresponding to transactions conducted via the user mobile device, via the Internet-application, a user through the user computer, wherein the user mobile device stores a cached account balance in the mobile device representing the balance at least one account as of a particular date; while the mobile device receives updated information about account balances for the account; and while in response to receiving updated information about account balances, the mobile device displays updated information about account balances corresponding to the account to the user. 37. A method for selecting a payment source for use in making a mobile financial payment using a mobile device connected to exchange information with a wireless network, comprising the steps of: wirelessly receive summary information about payment sources on a mobile device from the mobile financial transaction system (MFTS), summary information about payment sources is based on information about payment sources received from a financial services provider with which the user maintains a relationship. display information corresponding to a payment for production on a user mobile device; display information corresponding to the set of accounts available to the user as a source of payment for use in connection with the payment; accepting a custom selection of the source of payment from the set of accounts available form a mobile payment order containing information relevant to the payment and the selected payment source for the payment; and wirelessly transmit the mobile payment order from the user mobile device to the MFTS, therefore, the MFTS makes a payment using the selected payment source, and the MFTS uses the information from the mobile payment order to issue the order to the recipient of the payment order, and the recipient of the payment order is one of the financial services provider, billing aggregator for payment or a separate invoice subject to payment, moreover, the selected payment source contains a financial services provider with whom the user maintains relations, and at the same time provides a financial services ik serves one or more accounts on behalf of a user that are selectable for use as a source of payment, the user maintaining relationships with a variety of financial service providers, and the choice of payment source includes selecting an account from one of the many financial service providers, the method further comprises the step of receiving a summary of payments for production from the MFTS, a summary of payments for production contains a predetermined a selected subset of the payment information for production accepted by the MFTS from the payment information source; and display at least a portion of the summary information about payments for production on the mobile device, the mobile payment order including information identifying the selected account with the selected financial services provider, and information about payments for production contains information about payments for production supplied by the MFTS external the source is entered by the user through an Internet site accessible by the user to enter payment information for production and gender information payment processor, or entered by a user on a mobile device, the external source for payment information for production contains a billing system that delivers billing information from a variety of billing entities, as well as a separate billing entity, moreover, information about payments for production contains information corresponding to one or more of the following: a periodic invoice for payment, invoice for payment from the billing aggregator to op LVL, invoices for payment from a separate invoicing company for payment, “pay to anyone” payment, the information corresponding to the payment for production displayed on the user’s mobile device contains information based on the summary information about payments for production, the stage at which display information corresponding to a payment for production and / or a plurality of accounts on a user’s mobile device, in response to a user activating a predefined function on a mobile the device, and the activation of the predetermined function by the user causes the MFTS to retrieve information from the payment information source for production and / or the payment source and send the information to the user’s mobile device upon receipt, the step of displaying information corresponding to the payment for production on the user’s mobile the device is provided in response to receiving, on a mobile device, a text message from the MFTS, the method further comprising the step of: preparing the Mobile Wallet application on the user’s mobile device, the Mobile Wallet application providing for displaying the selected commands on the mobile device, including one or more of the View invoices for payment commands, the View payment sources commands and the Pay invoice commands (a), the method being additional contains the stage at which user input corresponding to the choice of payment for production, which is provided in response to the display of the command View account, is accepted payable, moreover, the activation of the View billing by user command prompts MFTS to retrieve billing information from the billing system and transferring billing information to the mobile device after receiving such information from the billing system, and user input corresponding to the choice of a source of payment for making a payment, is provided in response to the display of the View payment sources command, and the user activating the View source command payment details prompts MFTS to retrieve current account information from one or more financial service providers and transfer current account information to a mobile device after receiving such information from one or more financial service providers, and the choice of payment source for making a payment includes the choice of financial provider services and selecting a specific account associatively associated with the selected financial services provider for making a payment, the source of payment being stored by default as information about the user, while the mobile device displays an invitation to the user to use the default payment source or select a different payment source, and in this case, if there is no choice of another available payment source by the user, the default payment source is used to make the payment, and the confirmation message the payment is delivered from the source of payment to the MFTS in response to the completion of a predetermined stage when making a payment, and further comprising a step, to torus receiving a payment verification from the MFTS mobile device in response to receipt of the payment confirmation message from the payment source, the mobile device is further operable to: receiving user input corresponding to the choice of payment method for making a payment; and in response to user input, inclusion of information in a mobile payment order corresponding to the selected method for making a payment, the selected payment methods including: a method determined by the recipient, ACH funds transfer, a paper check and a card with a fixed limit of funds (SV), moreover The method further comprises the steps of: storing a cached account balance in a mobile device representing a balance in at least one account as of a specific date; receive updated account balances from the MFTS to the user’s mobile device; and due to which, in response to receiving updated information about account balances from MFTS, the mobile device displays updated information about account balances corresponding to the account to the user. 38. A mobile device for selecting a payment source for making a mobile financial payment via a wireless network, comprising: a mobile device connected to wirelessly exchange information through a mobile service provider to a mobile financial transaction system (MFTS), the mobile device includes a display device, user input means, a processor and memory; and software of a mobile device operating in the processor of a mobile device containing a control program for performing computer-implemented steps: wirelessly receiving summary information about payment sources from the mobile financial transaction system (MFTS), summary information about payment sources is based on information about payment sources received from a financial services provider with which the user maintains a relationship; display information relevant to the payment for production; display information corresponding to the set of accounts available to the user as a source of payment for use in connection with the payment; receiving a custom selection of a payment source from a variety of available accounts; generating a mobile payment order containing information relevant to the payment and the selected payment source for making the payment; and wireless transfer of mobile payment order to MFTS, therefore, in response to receiving a mobile payment order, MFTS makes a payment using the selected payment source, and MFTS, in response to receiving a mobile payment order, instructs the recipient of the payment order to make the payment, and the recipient of the payment order is one of the providers financial services, aggregator of invoicing for payment or a separate invoicing entity for payment, while the selected payment source contains a financial services provider, with where a user maintains a relationship, and the financial service provider serves one or more accounts on behalf of the user that are selectable for use as a payment source, the user maintains relationships with a plurality of financial service providers, and the choice of payment source contains a choice an account with one of the many financial service providers, the mobile device software being valid for: receiving payment summary information for production from MFTS, payment summary information for production contains a predetermined selected subset of payment information for production received by the MFTS from the payment information source; and display at least a portion of the summary information about payments for production on a mobile device, while the mobile payment order includes information identifying the selected account with the selected financial services provider, and information about payments for production contains information about payments for production supplied to MFTS an external source is entered by the user through a website accessible on the Internet, accessible by the user for entering information on payments for production and information on payment provider, or entered by the user on a mobile device, while the external source for payment information for production contains a billing system that delivers billing information from a variety of billing entities, as well as a separate billing entity moreover, information about payments for production contains information corresponding to one or more of the following: a periodic bill payable, a bill payable from the billing aggregator payment, invoice for payment from a separate invoicing company for payment, “pay to anyone” payment, wherein the information corresponding to the payment for production displayed on the user’s mobile device contains information based on the summary information about payments for production, while the information is displayed, corresponding to a payment for production and / or a plurality of accounts, on a user’s mobile device, in response to a user activating a predefined function on a mobile device Moreover, when the user activates the predefined function, MFTS prompts to extract information from the payment information source for production and / or the payment source and send the information to the mobile device upon receipt, and the display of information corresponding to the payment for production is provided in response to the receipt on the mobile device, a text message from the MFTS, moreover, the software of the mobile device contains a Mobile wallet application, and the Mobile wallet application includes the display on the mobile device of the selected commands, including one or more of the command View invoices for payment, the command View payment sources, the Pay bill (a) command, and the Mobile Wallet application is valid for receiving user input corresponding to the choice of payment for production in response to the display of the View invoices for payment command, the user activating the View invoices for payment command prompts the MFTS to retrieve information about invoices for payment from the system presenting invoices for payment and transmitting information about invoices to payment to a mobile device after receiving such information from the system of presenting invoices for payment, with user input corresponding to the choice of a payment source for making a payment provided in response to the display of the command View payment sources View Payment Sources commands prompts MFTS to retrieve current account information from one or more financial service providers and transfer current information. a statement of accounts on a mobile device after receiving such information from one or more financial service providers, and the choice of a payment source for making a payment includes the selection of a financial services provider and the selection of a specific account associated with the selected financial services provider for making a payment, In this case, the default payment source is stored as user information, while the software of the mobile device is additionally valid for display inviting the user to use the default payment source or to select a different payment source, and if there is no choice of another available payment source by the user, the default payment source is used to make the payment, and the payment confirmation message is delivered from the payment source to the MFTS in response to completion a predetermined stage when making a payment, and further comprising the step of receiving a message confirming payment of a mobile device from the MFTS in response to iem payment confirmation message from the payment source, and mobile device software is further is applicable to: receiving user input corresponding to the choice of payment method for making a payment; and in response to user input, including information in a mobile payment order corresponding to the selected method for making a payment, and the selected payment methods include: a method determined by the recipient, ACH money transfer, a paper check and a card with a fixed limit of funds (SV), this user mobile device stores a cached account balance in a mobile device, representing the balance in at least one account as of a specific date; while the mobile device receives updated information about account balances for the account; and while in response to receiving updated information about account balances, the mobile device displays updated information about account balances corresponding to the account to the user. 39. A method for enabling a user to select a payment source for use in making a mobile financial payment via a mobile device connected to exchange information with a wireless network, comprising the steps of: preparing a mobile financial transaction system (MFTS) associated, for wireless information exchange, with a user's mobile device using a mobile service provider (MCSP), MFTS is connected, for electronic information exchange, with one or more financial service providers with which the user supports one or more accounts, the MFTS includes a database of a mobile financial transaction system (MFTS) for storing user information, payment information for production, associated with ne or more payees, and payment information sources associated with the at least one account associated with the at least one financial service provider; wirelessly accept a mobile payment order from a mobile device containing information relevant to the payment to be made on behalf of the user of the mobile device and the selected payment source for making the payment; in response to receiving a mobile payment order, information from the MFTS database corresponding to the identified payee for receiving the payment indicated by the payment order and information corresponding to the selected payment source identified in the payment order are extracted; form the MFTS payment order to the recipient of the payment order, the MFTS payment order includes at least the amount, information corresponding to the identified payee, and information indicating the selected payment source; and transmit the MFTS payment order from the MFTS to the recipient of the payment order, therefore, in response to the receipt of the payment order, the recipient of the payment order makes a payment to the identified payee using the selected payment source, and the recipient of the payment order is one of the financial services provider, billing aggregator or a separate billing entity, moreover the selected payment source contains a financial services provider with which the user maintains a relationship, while the financial services provider serving one or more accounts on behalf of the user, which are selectable for use as a source of payment, the user maintaining relationships with a variety of financial service providers, and the choice of payment source includes selecting an account from one of the many financial service providers, the method further contains the stage at which information about payments for production is received in the MFTS, corresponding to the payment to be made by the user to the payee, and b, additionally contains stages in which: generate summary information about payments for production in the MFTS based on information about payments for production, a summary of payments for production contains a predetermined selected subset of information about payments for production; and wirelessly transmit summary information about payments for production from MFTS to the user’s mobile device, the mobile payment order including information identifying the selected account with the selected financial service provider, and further comprising the step of extracting current account balance information from the selected financial service provider and wirelessly transmit current account balance information to a mobile device, with payment information for the production process contains information on payments for production, delivered to the MFTS by an external source, is entered by the user through an Internet accessible site accessible by the user to enter payment information for production and information on payment recipients, or is entered by the user on a mobile device, and an external source for information about payments for production contains a billing system that delivers billing information from a variety of billing entities, as well as a separate billing entity, the payment information for production containing information corresponding to one or more of the following: a periodic invoice payable, an invoice payable from a billing aggregator payable, an invoice payable from a separate invoicing company payable, a “pay to anyone” payment, the information corresponding to the plurality of accounts available to the user as a source of payment for use in connection with by making a payment, contains summary information about the sources of payments, the method further comprising the step of wirelessly delivering information to the user’s mobile device, respectively a payment for production and / or a plurality of accounts, in response to a user activating a predefined function on a mobile device, the user activating a predefined function prompting the MFTS to retrieve information from the payment information source for production and / or the payment source and send the information to the user’s mobile device after receiving, and the method further comprises the step of preparing the downloadable application of the Mobile wallet for execution on the user mobile device, moreover, the Mobile Wallet application provides for the display on the mobile device of the selected commands, including one or more of the command View invoices for payment, the command View payment sources and the Pay bill (a) command, and the user activating the View invoice for payment command prompts MFTS to retrieve billing information from the billing system and transfer billing information to the mobile device after receiving such information from the systems billing, and the user activating the View payment sources command prompts the MFTS to retrieve current account information from one or more financial service providers and transfer current account information to a mobile device after receiving such information from one or more financial service providers, and mobile a payment order includes the selection of a financial services provider and the selection of a specific account associated with the selected financial services provider for a payment source, wherein the default payment source is stored as user information, and in the absence of a choice of another available source of payment by the user, the default payment source is used to make the payment, and the MFTS database stores transaction information corresponding to financial user transactions, transaction information includes payment information for production in addition to other information used to track status user payments, moreover, transaction information includes one or more of the following information elements: user ID number, transaction identifier, date of the accepted invoice for payment, due date for the invoice to be paid, amount, financial service provider identifier, account identifier, recipient identifier payment, flag sign of expectation / completion, and the method further comprises the step of receiving a confirmation message of payment from the payment source in response to the completion of a predetermined the first step in making a payment, the method further comprising transmitting a payment confirmation message to the mobile device in response to receiving the payment confirmation message from the payment source, the mobile payment order including information provided by a user corresponding to a selected one of a plurality of selectable payment methods for making a payment, and the selected payment methods include: a method determined by the recipient, money transfer A CH, a paper check and a card with a set limit of funds (SV), and the MFTS is connected, for electronic exchange of information, to a user's computer via a data network such as the Internet, and further comprising stages in which: Prepare an Internet application in association with the MFTS receive user information through an Internet application; and save user information entered through the Internet application in the MFTS database for use in connection with transactions initiated by the user mobile device, and user information received through the Internet application includes information corresponding to financial service providers, accounts from financial service providers and payees, the method further comprising the step of retrieving and displaying transaction information corresponding to the transaction nzaktsam through a user’s mobile device, through an Internet application, to a user through a user’s computer, the method further comprising the steps of: liaise with the financial services provider to obtain updated information on account balances for the account; and wirelessly transmit updated account balance information from the MFTS to the user mobile device; therefore, in response to receiving updated information about account balances from the MFTS, the user mobile device displays updated information about account balances corresponding to the account to the user. 40. A system of mobile financial transactions (MFTS) for providing the possibility of user selection of a source of payment for use in the production of mobile financial payment through a mobile device connected, for the exchange of information, with a wireless network, comprising: a database of a mobile financial transaction system (MFTS) for storing user information and payment information for production, and information about payment sources associated with a mobile device user; a computer system of the mobile financial transaction system (MFTS) for maintaining the MFTS database and conducting electronic exchange of information between entities involved in mobile financial payments, including one or more financial service providers with whom the user maintains one or more accounts selected in as a source of payment; and MFTS software operating in the MFTS computer system, containing a control program for performing computer-implemented steps: wirelessly receiving a mobile payment order from a mobile device containing information relevant to the payment to be made on behalf of the user of the mobile device and the selected payment source for making the payment; in response to receiving a mobile payment order, extracting information from the MFTS database corresponding to the identified payee to receive the payment specified by the payment order, and information corresponding to the selected payment source identified in the payment order; generating an MFTS payment order to the recipient of the payment order, the MFTS payment order includes at least the amount, information corresponding to the identified payee, and information indicating the selected payment source; and transferring the MFTS payment order from the MFTS to the recipient of the payment order, therefore, in response to the receipt of the payment order, the recipient of the payment order makes a payment to the identified payee using the selected payment source, and the recipient of the payment order is one of the financial services provider, billing aggregator or a separate billing entity, moreover the selected payment source contains a financial services provider with which the user maintains a relationship, and at the same time, a financial services provider serving one or more accounts on behalf of the user, which are selectable for use as a source of payment, the user maintaining relationships with a variety of financial service providers, and the choice of payment source includes selecting an account from one of the many financial service providers, the MFTS software it is additionally valid for receiving payment information for production in MFTS, corresponding to the payment to be made by the user to the payee hedgehog, and software MFTS software is further operable to: generating summary information about payments for production in the MFTS based on information about payments for production, summary information about payments for production contains a predetermined selected subset of information about payments for production; and wirelessly transmitting summary information of payments for production from MFTS to a user’s mobile device, the mobile payment order including information identifying the selected account with the selected financial service provider, and the MFTS software is additionally valid for retrieving current account balance information from the selected financial service provider and wirelessly transmit current account balance information to a mobile device, information on payments for production contains information on payments for production delivered to the MFTS by an external source, entered by the user through an Internet site accessible by the user to enter information about payments for production and information about payees, or entered by the user on a mobile device, an external source for payment information for production includes a billing system that delivers information about bills from a plurality of exhibitors x invoices payable by entities, as well as by a separate invoicing entity, wherein the information on payments for production contains information corresponding to one or more of the following: a periodic invoice for payment, invoices payable from a billing aggregator for payment, invoices for payment from a separate invoice for payment by the company, the payment “pay to anyone”, and the information corresponding to the set of accounts available to the user as a source of payment for use in connection with the payment, It contains summary information about the sources of payments, moreover, the MFTS software is additionally valid for the wireless delivery of information to a user’s mobile device corresponding to a payment for production and / or multiple accounts in response to a user activating a predefined function on a mobile device, and the user activating a predefined function the mobile device causes the MFTS to retrieve information from the payment information source for production and / or the source and transfer information to the mobile device upon receipt, the MFTS software being additionally valid for providing a downloadable Mobile Wallet application for execution on a user’s mobile device, the Mobile Wallet application providing for displaying selectable commands on a mobile device, including one or more of teams View invoices for payment, teams View sources of payments and teams Pay bills (a), and activation of the user By means of the View billing team on mobile device command, MFTS prompts to retrieve billing information from the billing system and transferring billing information to the mobile device after receiving such information from the billing system, and the user activates the View sources command payments on a mobile device encourages MFTS to retrieve current account information from one or more financial service providers and transfer current account information to mobile a device after receiving such information from one or more financial service providers, the mobile payment order including selecting a financial service provider and selecting a specific account associated with the selected financial service provider to make a payment, the source of payment being stored by default as information about the user, and in the absence of a choice of another available source of payment by the user, the default source of payment is used to a payment being made, wherein the MFTS database stores transaction information corresponding to the user's financial transactions, transaction information includes payment information for production in addition to other information used to track the state of the user's payments, the transaction information including one or more of the following information elements: user ID number, transaction ID, date of the accepted invoice for payment, due date for the invoice to be paid, amount, identifier and the financial service provider, account ID, payee ID, pending / completion flag, the MFTS software being additionally valid for receiving a payment confirmation message from the payment source in response to the completion of a predetermined stage when making a payment, the MFTS software being additionally valid for transmitting a payment confirmation message to a mobile device in response to receiving a payment confirmation message from a source payment, and the mobile payment order includes information provided by the user corresponding to the selected one of the plurality of selectable payment methods for making a payment, the selected payment methods include: a recipient-defined method, ACH money transfer, a paper check and a card with a card funds limit (SV), and MFTS is connected, for electronic exchange of information, with a user's computer via a data network such as the Internet, and both software baking MFTS is further operable to: preparing an Internet application in association with the MFTS; receiving user information through an Internet application; and storing user information entered through the Internet application in the MFTS database for use in connection with transactions initiated by the user mobile device, the user information received through the Internet application includes information corresponding to financial service providers, accounts from financial service providers and payees, moreover, the MFTS software is additionally valid for the extraction and display of transaction information s, corresponding to transactions conducted via the user mobile device, via an Internet application, the user via the user's computer, the MFTS communicates with the financial service provider to obtain updated information on the balance on the account to the accounts, and wherein the MFTS wirelessly transmits updated account balance information from the MFTS to the user's mobile device; due to which, in response to receiving updated information about account balances from MFTS, the mobile device displays updated information about account balances corresponding to the account to the user. 41. A method of controlling multiple financial accounts maintained by one or more financial service providers using a mobile device connected to exchange information with a wireless network, comprising the steps of: prepare a system of mobile financial transactions (MFTS), connected, for wireless information exchange, with a user's mobile device using a mobile service provider (MCSP), MFTS is connected, for electronic exchange of information, with one or more financial service providers with which the user supports one or more accounts, the MFTS includes a database of a mobile financial transaction system (MFTS) for storing user information and financial account information associated with a plurality of vom accounts associated with at least one financial service provider; storing a cached account balance on a mobile device representing a balance on a plurality of user accounts as of a specific date; exchange information with at least one financial service provider to obtain updated information about account balances for at least one user account; wirelessly transmit updated account balance information to a user's mobile device; and in response to receiving updated information about account balances from the MFTS, updated information about account balances corresponding to a plurality of user accounts is displayed to a user via a mobile device, the method further comprising the steps of: preparing a user authentication function on the user's mobile device in order to authenticate the user to access cached account balance information on the mobile device; in response to user authentication on a mobile device, a user identifier is supplied to the MFTS indicating the user login name and connection for wireless communication; and in response to receiving a user ID in the MFTS, initiate an exchange of information with one or more financial service providers in order to request updated information about account balances, due to which, after activating the user’s login, updated information on account balances is automatically obtained for many financial accounts and delivered in real time to the user's mobile device, and the financial services provider includes one or more of the banks selling goods on credit cards of a company selling goods on a company’s debit cards, a provider of cards with a pledged limit of funds, a credit union, a payment services company, a financial services provider, and on the accounts displayed on the user's mobile device, provides a summary of the accounts, the accounts of the information comprises information about payment sources, the method further comprising the steps of: delivering a connected device signal from the mobile device to the MFTS when determining that the user's mobile device is connected and / or authenticated for wireless communication with the MFTS; and in the MFTS, in response to receiving a signal from the connected device, initiate an exchange of information with the financial service provider to obtain updated account balance information for one or more user accounts, the step of exchanging information with the financial service provider includes the steps of where: receiving a user identifier corresponding to the user in the MFTS from the mobile device; in response to a user identifier, at least one financial service provider identifier corresponding to a financial service provider associated with the user is determined; determine the authentication information required to access the account information from the financial services provider corresponding to the identifier of the financial services provider; Provide authentication information to the financial services provider; and receive updated account balances from at least one account serviced by at least one financial service provider, the user identifier being used to identify multiple financial service providers and receive updated account balances corresponding to many different accounts of many different financial service providers moreover, the user identifier includes one of the mobile phone number, MIN, cipher, name, and the stage at which wirelessly trans provide updated invoice information to a user's mobile device, consists of receiving updated invoice information from at least one financial service provider in the MFTS and forwarding updated invoice information to a user's mobile device in a transit operation, the step of which exchange information with a financial services provider, consists in periodically exchanging information with a financial services provider at predetermined time intervals, and the stage at which exchanges information with the financial services provider, comprises an active delivery transmission initiated by the financial services provider, the method further comprising storing cached account balances in a database in the MFTS representing balances on a plurality of user accounts as of a specific date, the cached account balance of each of the plurality of user accounts stored on the mobile device is stored in association with the account identifier, moreover, id the account identifier is the account alias, the account identifier being a coded identifier, the account identifier being also stored in the MFTS in association with the authentication information required by the financial service provider associated with each account in order to access information and / or carry out a transaction in a row, and the method further comprises stages in which: deliver the account identifier from the mobile device to the MFTS; MFTS retrieves pre-stored authentication information required by the financial service provider associated with each account in order to access information and / or carry out an account transaction; supply authentication information to the financial services provider with other information required to receive updated information on account balances; and in response to receiving updated account balance information from a financial service provider, an updated account balance information is delivered to a mobile device in association with an identifier, the identifier including an account alias, and wherein the step of displaying information corresponding to the plurality of user accounts, to a user through a mobile device, consists in displaying an account alias for each account in associative communication with information about account balances, and p, which displays information about account balances through a mobile device, consists in displaying an account alias in associative connection with information about account balances for each of the many accounts, the step of displaying information about account balances through a mobile the device consists in that they display a “mark of the latest update date” in associative connection with information about account balances, and many financial accounts are supported by many different suppliers of financial conditions yy, each of which has its own system for delivering information about account balances, and the method is to obtain updated information on account balances from each of the many different financial service providers in response to a single action by the user on the user's mobile device wherein the method further comprises the steps of: storing a cached account balance in a mobile device representing a balance in at least one account as of a specific date; receive updated information about the account balances from the MFTS in the user mobile device; and In response to receiving updated information about account balances from the MFTS, updated information about account balances corresponding to the account is displayed to the user via a mobile device. 42. A system for controlling multiple financial accounts maintained with one or more financial service providers using a mobile device connected to exchange information with a wireless network, comprising: a user mobile device connected, for wireless exchange of information, with a mobile financial transaction system (MFTS), a mobile device is operable to wirelessly receive account information from the MFTS and display account information, the wireless device is operable to store a cached account balance representing balance on the set of user accounts as of a specific date; a mobile financial transaction system (MFTS) database associated with the MFTS for storing user information and information associated with at least one account associated with at least one user financial service provider; a computer system for mobile financial transaction systems (MFTS) to maintain the MFTS database and conduct electronic exchange of information between the MFTS and one or more financial service providers; and MFTS software operating in the MFTS computer system, containing a control program for performing computer-implemented steps: exchanging information with at least one financial service provider to obtain updated information about account balances for at least one user account; and wirelessly transmit updated account balance information to a user's mobile device; and the mobile device, in response to receiving updated information about the account balances from the MFTS, is valid for updating the cached account balance and displaying the updated information about the account balances to the user, and the mobile device is additionally valid for: preparing a user authentication function on the user's mobile device in order to authenticate the user to access cached account balance information on the mobile device; in response to user authentication on a mobile device, supplying a user ID to the MFTS indicating the user login name and connection for wireless communication; and however, the MFTS software is additionally valid, in response to receiving a user ID in the MFTS, to initiate the exchange of information with one or more financial service providers in order to request updated information on account balances, due to which, after activating the user’s login, updated information on account balances is automatically obtained for many financial accounts and delivered in real time to the user's mobile device, and the financial services provider includes one or more of the banks selling goods on credit cards of a company selling goods on a company’s debit cards, a provider of cards with a pledged limit of funds, a credit union, a payment services company, a financial services provider, and account information displayed on the user's mobile device contains summary information about the accounts, moreover, the account information contains information about the sources of payments, and the mobile device is also operable to deliver the signal of the connected device from the mobile device to the MFTS when determining that the user's mobile device is connected and / or authenticated for wireless exchange of information with the MFTS; and the MFTS software is additionally valid, in response to receiving a signal from the connected device, to initiate the exchange of information with the financial services provider to obtain updated information on account balances for one or more user accounts, the MFTS software is additionally valid for: receiving a user ID corresponding to the user from the mobile device; in response to a user identifier, determining at least one financial service provider identifier corresponding to a financial service provider associated with the user; determining the authentication information required to access the account information of the financial services provider corresponding to the identifier of the financial services provider; delivery of authentication information to a financial services provider; and receive updated account balances from at least one account serviced by at least one financial service provider, the user identifier being used to identify multiple financial service providers and receive updated account balances corresponding to many different accounts with many different financial service providers moreover, the user identifier includes one of the mobile phone number, MIN, cipher, name, and the operation of wireless transmission updated The invoice information to the user's mobile device comprises receiving updated invoice information from at least one financial service provider in the MFTS and forwarding updated invoice information to the user's mobile device in the transit transfer operation, wherein the information exchange operation with the financial service provider contains a periodic exchange of information with a financial services provider at predetermined time intervals, wherein the information exchange operation with the financial services provider comprises an active delivery transfer initiated by a financial service provider, the MFTS system being additionally valid for storing cached account balances in the database in the MFTS representing balances in a plurality of user accounts as of a specific date, the cached balance in the account of each of a plurality of user accounts stored on the mobile device is stored in association with the account identifier, the account identifier being the account alias, and the account identifier eta is a coded identifier, the account identifier being also stored in the MFTS in association with the authentication information required by the financial service provider associated with each account in order to access information and / or carry out an account transaction, the mobile device being further Valid for the delivery of the account identifier in the MFTS, and the MFTS software is additionally valid for: extracting pre-stored authentication information required by the financial service provider associated with each account in order to access information and / or carry out an account transaction; delivery of authentication information to the financial services provider with other information required to obtain updated information on account balances; and in response to receiving updated account balance information from a financial service provider, delivering updated account balance information to a mobile device in association with an identifier, the identifier including an account alias, and wherein the operation of displaying information corresponding to a plurality of user accounts , the user through a mobile device contains a display of the account alias for each account in associative communication with information about account balances, and the operation is displayed the information on account balances through a mobile device contains a display of the account alias in associative information with account balances for each of the many accounts, and the step of displaying account balances through a mobile device displays a “mark of the last update date” in the associative connection with information on account balances, and many financial accounts are maintained by many different financial service providers, each of which has its own system the method of delivering information about account balances, and the method consists in obtaining updated information on account balances from each of a variety of different financial service providers in response to a single action by a user on a user's mobile device, while the user mobile device stores cached an account balance in a mobile device representing the balance in at least one account as of a specific date; while the mobile device receives updated information about account balances for the account; and while in response to receiving updated information about account balances, the mobile device displays updated information about account balances corresponding to the account to the user. 43. A method for controlling multiple financial accounts maintained with one or more financial service providers using a mobile device connected to exchange information with a wireless network, comprising the steps of: storing a cached account balance on a mobile device representing a balance on a plurality of user accounts as of a specific date; wirelessly receive updated information on account balances from the mobile financial transaction system (MFTS), MFTS is connected, for electronic exchange of information, with one or more financial service providers with which the user supports one or more accounts and is valid for receiving updated information account balances; and display updated information on account balances corresponding to a plurality of user accounts to a user via a mobile device, the method further comprising the steps of: preparing a user authentication function on the user's mobile device in order to authenticate the user to access cached account balance information on the mobile device; and in response to user authentication on a mobile device, a user identifier is supplied to the MFTS indicating the user name and connection for wireless communication, the MFTS, in response to receiving the user identifier from the MFTS, initiates an exchange of information with one or more financial service providers, to request updated information on account balances, due to which, after activating the user’s login, updated information on account balances is automatically obtained for many financial accounts and delivered in real time to the user's mobile device, and the financial services provider includes one or more of the banks selling goods on credit cards of a company selling goods on a company’s debit cards, a provider of cards with a pledged limit of funds, a credit union, a payment services company, a financial services provider, and account information displayed on the user's mobile device contains summary information about the accounts, moreover, the account information contains information about the payment sources, the method further comprising the steps of delivering the signal of the connected device from the mobile device to the MFTS when determining that the user's mobile device is connected and / or authenticated for wireless communication with MFTS; and wherein the MFTS, in response to receiving a signal from the connected device, initiates an exchange of information with the financial service provider to obtain updated account balance information for one or more user accounts, the method further comprising delivering a user identifier corresponding to the user, MFTS, whereby, in response to a user identifier, the MFTS determines at least one financial service provider identifier corresponding to a financial service provider associated with the user; determines the authentication information required to access the account information of the financial services provider corresponding to the identifier of the financial services provider; delivers authentication information to a financial services provider; and receives updated account balances from at least one account serviced by at least one financial service provider, the user identifier being used to identify multiple financial service providers and receive updated account balances corresponding to many different accounts with many different financial service providers moreover, the user identifier includes one of the mobile phone number, MIN, cipher, name, and the cached balance on the account of each of a plurality of user accounts stored on a mobile device is stored in association with an account identifier, the account identifier being an account alias, the account identifier being a coded identifier, the account identifier being also stored in the MFTS in association with the authentication information required by the financial service provider, associated with each account in order to access information and / or carry out a transaction on the account, moreover, It contains stages in which: deliver the account identifier from the mobile device to the MFTS, whereby the MFTS, in response to receiving the account identifier, is operable to retrieve the pre-stored authentication information required by the financial service provider associated with each account in order to access the information and / or carry out an account transaction; supply authentication information to the financial services provider with other information required to receive updated information on account balances; and in response to receiving updated account balance information from a financial service provider, an updated account balance information is delivered to a mobile device in association with an identifier, the identifier including an account alias, and wherein the step of displaying information corresponding to the plurality of user accounts, to a user through a mobile device, consists in displaying an account alias for each account in associative communication with information about account balances, and p, which displays information about account balances through a mobile device, consists in displaying an account alias in associative connection with information about account balances for each of the many accounts, the step of displaying information about account balances through a mobile the device consists in that they display a “mark of the latest update date” in associative connection with information about account balances, and many financial accounts are supported by many different suppliers of financial conditions yy, each of which has its own system for delivering information about account balances, and the method is to obtain updated information on account balances from each of the many different financial service providers in response to a single action by the user on the user's mobile device wherein the method further comprises the steps of: storing a cached account balance in a mobile device representing a balance in at least one account as of a specific date; receive updated information about the account balances from the MFTS in the user mobile device; and In response to receiving updated information about account balances from the MFTS, updated information about account balances corresponding to the account is displayed to the user via a mobile device. 44. A mobile device operable to control a plurality of financial accounts maintained by one or more financial service providers through a wireless information exchange, comprising: a mobile device connected to wirelessly exchange information through a mobile service provider to a mobile financial transaction system (MFTS), the mobile device includes a display device, user input means, a processor and memory; and software of a mobile device operating in the processor of a mobile device containing a control program for performing computer-implemented steps: storing a cached account balance in a mobile device representing a balance in a plurality of user accounts as of a specific date; wirelessly receiving updated information about account balances from the mobile financial transaction system (MFTS), MFTS is connected, for electronic exchange of information, with one or more financial service providers with which the user supports one or more accounts, and is active to receive updated information about account balances; and display updated information on account balances corresponding to a plurality of user accounts to a user via a mobile device, the mobile device software being additionally valid for: preparing a user authentication function on the user's mobile device in order to authenticate the user to access cached account balance information on the mobile device; in response to authenticating the user on the mobile device, supplying the user ID to the MFTS indicating the user name and connection for wireless communication, the MFTS, in response to receiving the user ID in the MFTS, initiates an exchange of information with one or more financial service providers, with in order to request updated information on account balances, due to which, after activating the user’s login, updated information on account balances is automatically obtained for many financial accounts and delivered in real time to the user's mobile device, while the financial services provider includes one or more of the banks selling goods at credit cards of a company selling goods on a company’s debit cards, a provider of cards with a pledged limit of funds, a credit union, a payment services company, a financial services provider, and The billing information displayed on the user's mobile device contains summary information about the accounts, and the billing information contains information about the sources of payments, while the mobile device is also operable to deliver the signal of the connected device from the mobile device to the MFTS when determining that the mobile device of the user Attached and / or authenticated for wireless exchange of information with the MFTS; and in this case, the MFTS, in response to receiving a signal from the connected device, initiates an exchange of information with the financial service provider to obtain updated information on account balances for one or more user accounts, the mobile device software being additionally valid for supplying a user identifier corresponding to the user, in mfts whereby, in response to a user identifier, the MFTS determines at least one financial service provider identifier corresponding to a financial service provider associated with the user; determines the authentication information required to access the account information of the financial services provider corresponding to the identifier of the financial services provider; delivers authentication information to a financial services provider; and receives updated account balances from at least one account serviced by at least one financial service provider, the user identifier being used to identify multiple financial service providers and receive updated account balances corresponding to many different accounts with many different financial service providers , while the user ID includes one of the mobile phone number, MIN, cipher, name, while the cached balance of each of the many user accounts stored on the mobile device is stored in association with the account identifier, the account identifier being the account alias, the account identifier being the encoded identifier, and the account identifier being also stored in the MFTS in association with the authentication information required by the financial provider services associated with each account in order to access information and / or carry out a transaction on the account, moreover, programs th mobile device software is further operable to: delivering the account identifier from the mobile device to the MFTS, whereby the MFTS, in response to receiving the account identifier, is operable to retrieve the pre-stored authentication information required by the financial service provider associated with each account in order to access the information and / or carry out an account transaction; delivery of authentication information to the financial services provider with other information required to obtain updated information on account balances; and in response to receiving updated account balance information from a financial service provider, delivering updated account balance information to a mobile device in association with an identifier, the identifier including an account alias, and wherein the operation of displaying information corresponding to a plurality of user accounts , the user through a mobile device contains a display of the account alias for each account in associative communication with information about account balances, and the operation is displayed The information on account balances through a mobile device contains a display of the account alias in associative communication with the information on account balances for each of the many accounts, and the operation of displaying account balances through a mobile device contains a display of the “latest update date” in associative connection with information on account balances, while many financial accounts are maintained by many different financial service providers, each of which has its own a system for the delivery of information on account balances, and the device receives updated information on account balances from each of the many different financial service providers in response to a single action by the user on the user's mobile device, while the user mobile device stores the cached account balance in a mobile device representing the balance in at least one account as of a specific date; while the mobile device receives updated information about account balances for the account; and while in response to receiving updated information about account balances, the mobile device displays updated information about account balances corresponding to the account to the user. 45. A method for providing information about account balances to a user of a mobile device that supports multiple financial accounts with one or more financial service providers, the mobile device is connected for exchanging information with a wireless network and includes a cached account balance for one or more accounts with one or more financial service providers, comprising stages in which: prepare a system of mobile financial transactions (MFTS), connected, for wireless information exchange, with a user's mobile device using a mobile service provider (MCSP), MFTS is connected, for electronic exchange of information, with one or more financial service providers with which the user supports one or more accounts, the MFTS includes a database of a mobile financial transaction system (MFTS) for storing user information and financial account information associated with a plurality of vom accounts associated with at least one financial service provider; exchange information with at least one financial service provider to obtain updated information about account balances for at least one user account; and wirelessly transmit updated account balance information to a user's mobile device, whereby, in response to receiving updated account balance information from the MFTS, the user's mobile device displays updated account balance information corresponding to the plurality of user accounts to the user, the user mobile device including a user authentication function in order to authenticate a user to access cached information about account balances on a mobile device, and, in response to user authentication on a mobile device, delivers a user ID in the MFTS indicating a user login name and connection for wireless communication; and further comprising the step of, in response to receiving a user ID, initiating an exchange of information with one or more financial service providers in order to request updated information about account balances, due to which, after activating the user’s login, updated information on account balances is automatically obtained for many financial accounts and delivered in real time to the user's mobile device, and the financial services provider includes one or more of the banks selling goods on credit cards of a company selling goods on a company’s debit cards, a provider of cards with a pledged limit of funds, a credit union, a payment services company, a financial services provider, and account information displayed on a user's mobile device contains summary information about accounts, moreover, account information contains information about payment sources, and the mobile device delivers an attached device signal to the MFTS when determining that the user’s mobile device is connected and / or authenticated for wireless information exchange with MFTS; and further comprising a step in which, in response to receiving a signal from the connected device, initiating an exchange of information with a financial service provider to obtain updated information about account balances for one or more user accounts, the step of exchanging information with a financial service provider includes into stages in which: receiving a user identifier corresponding to the user in the MFTS from the mobile device; in response to a user identifier, at least one financial service provider identifier corresponding to a financial service provider associated with the user is determined; determine the authentication information required to access the account information from the financial services provider corresponding to the identifier of the financial services provider; Provide authentication information to the financial services provider; and receive updated account balances from at least one account serviced by at least one financial service provider, the user identifier being used to identify multiple financial service providers and receive updated account balances corresponding to many different accounts of many different financial service providers moreover, the user identifier includes one of the mobile phone number, MIN, cipher, name, and the stage at which wirelessly trans provide updated invoice information to a user's mobile device, consists of receiving updated invoice information from at least one financial service provider in the MFTS and forwarding updated invoice information to a user's mobile device in a transit operation, the step of which exchange information with a financial services provider, consists in periodically exchanging information with a financial services provider at predetermined time intervals, and the stage at which exchanges information with the financial services provider, comprises an active delivery transmission initiated by the financial services provider, the method further comprising storing cached account balances in a database in the MFTS representing balances on a plurality of user accounts as of a specific date, wherein the cached account balance of each of the plurality of user accounts stored on the mobile device is stored in association with the account identifier, moreover the account identifier is an account alias, the account identifier being a coded identifier, the account identifier being also stored in the MFTS in association with the authentication information required by the financial service provider associated with each account in order to access information and / or conduct a transaction on the account, and the mobile device delivers the account ID from the mobile device to the MFTS; and further comprises stages in which: retrieving pre-stored authentication information required by the financial service provider associated with each account in order to access information and / or carry out an account transaction; supply authentication information to the financial services provider with other information required to receive updated information on account balances; and in response to receiving updated account balance information from a financial service provider, an updated account balance information is delivered to a mobile device in association with an identifier, the identifier including an account alias, and wherein the step of displaying information corresponding to a plurality of user accounts, to a user via a mobile device, consists in displaying an account alias for each account in associative connection with information about account balances, moreover, the identity of financial accounts is maintained by many different providers of financial services, each of which has its own system for delivering information about account balances, and the method is to obtain updated information on account balances from each of the many different financial service providers in a response to a single action by a user on a user's mobile device, the method further comprising the steps of: storing a cached account balance in a mobile device representing a balance in at least one account as of a specific date; receive updated information about the account balances from the MFTS in the user mobile device; and In response to receiving updated information about account balances from the MFTS, updated information about account balances corresponding to the account is displayed to the user via a mobile device. 46. A system for providing information on account balances to a user of a mobile device that supports multiple financial accounts with one or more financial service providers, the mobile device is connected, for information exchange, with a wireless network and includes a cached account balance for one or more accounts with one or more financial service providers, containing: a mobile financial transaction system (MFTS) associated, for wireless exchange of information, with one or more mobile devices of a user using a mobile service provider (MCSP), MFTS is connected, for electronic exchange of information, with one or more financial service providers with which a user supports one or more financial accounts, MFTS includes a database of a mobile financial transaction system (MFTS) for storing user information, MFTS includes MFTS software containing program code for performing computer implemented steps of: exchanging information with at least one financial service provider to obtain updated information about account balances for at least one user account; and wireless transmission of updated information about account balances to the user's mobile device, whereby, in response to receiving updated account balance information from the MFTS, the user's mobile device displays updated account balance information corresponding to the plurality of user accounts to the user, the user mobile device including a user authentication function in order to authenticate a user to access cached information about account balances on a mobile device, and, in response to user authentication on a mobile device, delivers a user ID in the MFTS indicating a user login name and connection for wireless communication; and however, the MFTS software is additionally valid, in response to receiving a user ID, to initiate the exchange of information with one or more financial service providers in order to request updated information about account balances, due to which, after activating the user’s login, updated information on account balances is automatically obtained for many financial accounts and delivered in real time to the user's mobile device, and the financial services provider includes one or more of the banks selling goods on credit cards of a company selling goods on a company’s debit cards, a provider of cards with a pledged limit of funds, a credit union, a payment services company, a financial services provider, and about the accounts displayed on the user's mobile device contains summary information about the accounts, and the account information contains information about the sources of payments, and the mobile device delivers the signal of the connected device to the MFTS when determining that the mobile device of the user is connected and / or authenticated for wireless exchange of information with MFTS; and wherein the MFTS software is additionally valid, in response to receiving a signal from an attached device, to initiate an exchange of information with a financial services provider to obtain updated information about account balances for one or more user accounts, and the information exchange operation with a financial services provider includes in stages: receiving in the MFTS a user ID corresponding to the user from the mobile device; in response to a user identifier, determining at least one financial service provider identifier corresponding to a financial service provider associated with the user; determining the authentication information required to access the account information of the financial services provider corresponding to the identifier of the financial services provider; delivery of authentication information to a financial services provider; and receive updated account balances from at least one account serviced by at least one financial service provider, the user identifier being used to identify multiple financial service providers and receive updated account balances corresponding to many different accounts with many different financial service providers moreover, the user identifier includes one of the mobile phone number, MIN, cipher, name, and the operation of wireless transmission updated The invoice information to the user's mobile device comprises receiving updated invoice information from at least one financial service provider in the MFTS and forwarding updated invoice information to the user's mobile device in the transit transfer operation, wherein the information exchange operation with the financial service provider contains a periodic exchange of information with a financial services provider at predetermined time intervals, wherein the information exchange operation with the financial services provider comprises an active delivery transfer initiated by a financial service provider, the MFTS software being additionally valid for storing cached account balances in a database in the MFTS representing balances in a plurality of user accounts as of a specific date, with a cached balance in the account of each of the plurality of accounts the user stored on the mobile device is stored in association with the account identifier, the account identifier being the account alias, and id the account identifier is a coded identifier, wherein the account identifier is also stored in the MFTS in association with the authentication information required by the financial service provider associated with each account in order to access information and / or carry out an account transaction, the mobile device delivering ID of the account from the mobile device to the MFTS; and the MFTS software is additionally valid for: extracting pre-stored authentication information required by the financial service provider associated with each account in order to access information and / or carry out an account transaction; delivery of authentication information to the financial services provider with other information required to obtain updated information on account balances; and in response to receiving updated account balance information from a financial service provider, delivering updated account balance information to a mobile device in association with an identifier, the identifier including an account pseudonym, and the step of displaying information corresponding to the set of user accounts, to the user through a mobile device, consists in displaying the account alias for each account in associative communication with information about account balances, The financial accounts are maintained by many different financial service providers, each of which has its own system for delivering information about account balances, and the way is to get updated information on account balances from each of many different financial service providers in response to a single action by the user on the user's mobile device, the user mobile device storing a cached account balance in the mobile device, representing conductive residue on at least one account as of a particular date; while the mobile device receives updated information about account balances for the account; and while in response to receiving updated information about account balances, the user mobile device displays updated information about account balances corresponding to the account to the user. 47. A method of distributing a mobile device application for use in making and receiving payments using a mobile device connected to exchange information with a wireless network, comprising the steps of: preparing a downloadable mobile device application that is operational when installed on a compatible mobile device to exchange information with the mobile financial transaction system (MFTS), which facilitates the production and receipt of payments via wireless mobile devices; preparing a loading system for storing a downloadable mobile device application and downloading a mobile device application to mobile devices according to loading procedures suitable for a particular type of mobile device; transmitting a message to the user of the mobile device, including information about the payment made to the user of the mobile device from the payer, and information regarding the downloadable application of the mobile device; and in response to the user’s action on the mobile device to download and install the mobile device application on the user's mobile device and provide registration information, enable interaction between the MFTS and the mobile device user to deliver payment to the mobile device user as a user / payee, the MFTS being connected , for the electronic exchange of information, with at least one financial service provider, intended for the issuance of payment, and MFTS VK yuchaet a database system of mobile financial transactions (MFTS) for storing user information, information about payments for the production and information about payment sources, the method further comprises the steps of: accept information about payments for production in MFTS from the payer corresponding to the payment to be made to the user / payee; form a message about received payments in the MFTS containing information relevant to the payment to be made to the user / payee; wirelessly transmit a message about received payments from the MFTS to the mobile device of the user / payee; display information corresponding to the message about received payments on the mobile device of the user / payee, the displayed information includes information regarding the downloadable application of the mobile device; in response to the action of the user / payee to download and install the mobile device application on the user's / payee’s mobile device and provide registration information, a second message on received payments is wirelessly transmitted from the MFTS to the user’s / payee’s mobile device; display information corresponding to the second message about received payments on the mobile device of the user / payee, the displayed information contains information about the payment and information about the payment method for receiving the payment; on the mobile device of the user / payee, accept user input related to the payment method for receiving the payment; on the mobile device of the user / payee, in response to user input, form a payment order containing information relevant to the payment method; wirelessly transmit the payment order from the mobile device of the user / payee to the MFTS; in the MFTS, form the MFTS payment order to the recipient of the payment order for making the payment, the MFTS payment order includes at least the amount and identification information corresponding to the user / payee; transmit the MFTS payment order from the MFTS to the recipient of the payment order; and the recipient of the payment order, in response to receiving the payment order MFTS, makes a payment to the user / recipient of the payment in accordance with the method of payment, the recipient of the payment order being a financial services provider whose payer supports one or more accounts, and the recipient of the payment order is a financial provider services associated with the MFTS, which allows the possession of funds for payment, and the identification information used for the payment to the user / payee is delivered to the MFTS, wherein the identification information is supplied by the payer to the MFTS using the mobile device application on the payer's mobile device, the identification information is supplied by the payer to the MFTS using the Internet application, and additional identification information is supplied by the user / payee using the mobile device application on the mobile device of the user / payee, and the identification information contains information about the user / payee selected from the group: name and mailing address, card account with a set limit of funds (SV), ACH account, and the identification information contains information corresponding to the selected payment method, and the information is displayed to the user / to the payee as default payment information, wherein the user / payee is invited to confirm the default payment information, wherein the identification information contains it is the mailing address, and the user / payee is invited to confirm the mailing address as the default mailing address, the identification information contains a card account with a set limit of funds (SV), and the user / payee is invited to confirm the account of the SV card as a method for receiving a default payment, the identification information containing information identifying the ACH account of the user / payee to receive the payment, and the user / the recipient of the payment is invited to confirm the invoice as the default payment method, the payment information for the production identifying at least the amount, the source of payment and information identifying the mobile device of the user / payee, the information related to the payment method in the second message about received payments contains information about one or more selectable methods for receiving payment, and user input related to the payment method contains the choice of the payment method for receiving the payment, and the payment order includes information regarding the selected payment method, the method further comprising receiving a payment confirmation message from the recipient of the payment order to the MFTS in response to the completion of a predetermined stage when making a payment to the user / to the payee, the method further comprising transmitting a payment confirmation message to the payee / user mobile device In response to the receipt of a payment confirmation message from the recipient of the payment order, the message containing a text message transmitted to the mobile device user of the mobile device, wherein the registration information provided by the user / payee includes information identifying the user / payee account for receipt of payment, wherein the user / payee account contains an ACH account, and the user / payee account contains a card account with a funds limit (SV), wherein the information regarding the downloadable mobile device application displayed to the user / payee contains a message instructing the user / payee to download and install the mobile device application, wherein the downloadable mobile device application contains a Mobile wallet application, wherein the Mobile application provides user / payee functionality for making payments using MFTS, as well as receiving payment, and the use of the Mobile Wallet application by the user / payee, subsequently, as a payer, to make a payment to another person as the user / payee, facilitates the viral spread of the Mobile Wallet application to other persons with mobile devices, and the Mobile Wallet application provides for the display on a mobile device, selectable teams, including one or more of the View invoices for payment, View and payment sources and commands Pay an invoice (a), the MFTS being connected, for electronic exchange of information, to the user's computer via a data network such as the Internet, and further comprising the steps of: Prepare an Internet application in association with the MFTS receive information about the user through an Internet application corresponding to financial service providers, accounts with financial service providers, payment methods and / or payees; and save user information entered through the Internet application in the MFTS database for use in connection with the production and receipt of payments. 48. A system for distributing a mobile device application for use in making and accepting payments using a mobile device connected to exchange information with a wireless network, comprising: mobile financial transaction system (MFTS), which facilitates the production and receipt of payments via wireless mobile devices, MFTS is valid for sending a message to a user of a mobile device, including information about the payment made to the user of the mobile device from the payer, and information regarding the downloadable application of the mobile device ; a server for preparing a user downloading a downloadable mobile device application, operating when installed on a compatible mobile device, for exchanging information with MFTS in connection with payments; and MFTS, in response to the user’s action of the mobile device to download and install the mobile device application on the user's mobile device and provide registration information, enables interaction between the MFTS and the mobile device user to deliver the payment to the user of the mobile device as a user / payee, MFTS is associated, for electronic exchange of information, with at least one financial service provider, intended to issue a payment, and MFTS includes a database of a mobile financial transaction system (MFTS) for storing user information, payment information for production and information about payment sources, and MFTS is additionally valid for: receiving payment information for production in the MFTS from the payer corresponding to the payment to be made to the user / payee; generating a message about received payments in the MFTS containing information relevant to the payment to be made to the user / payee; wirelessly transmit messages about received payments from the MFTS to the mobile device of the user / payee, in association with information regarding the downloadable application of the mobile device; in response to the action of the user / payee to download and install the mobile device application on the user's / payee’s mobile device and provide registration information, wirelessly transmit a second message about received payments from the MFTS to the user’s / payee’s mobile device; the second message about received payments includes information about the payment and information about the payment method for receiving the payment; generating an MFTS payment order to the recipient of the payment order, the MFTS payment order includes at least the amount and identification information corresponding to the user / payee; transferring the MFTS payment order from the MFTS to the recipient of the payment order; and the recipient of the payment order, in response to receiving the payment order MFTS, making the payment to the user / recipient of the payment in accordance with the payment method, the recipient of the payment order being a financial services provider whose payer supports one or more accounts, and the recipient of the payment order is a financial provider services associated with the MFTS, which allows the possession of funds for payment, and the identification information used for I make the payment to the user / payee, it is delivered to the MFTS, and the identification information is supplied by the payer to the MFTS using the mobile device application on the payer's mobile device, and the identification information is supplied by the payer to the MFTS using the Internet application, and additional identification information is supplied by the user / recipient payment using the mobile device application on the mobile device of the user / payee, etc. than the identification information contains information about the user / payee selected from the group: name and postal address, card account with a fixed limit of funds (SV), ACH account, and the identification information contains information corresponding to the selected payment method, and the information is displayed to the user / to the payee as default payment information, the user / payee being invited to confirm the default payment information, the identification information with holds a mailing address, and the user / payee is invited to confirm the mailing address as the default mailing address, and the identification information contains a card account with a fixed limit of funds (SV), and the user / payee is invited to confirm the account of the SV card as a method for receiving a default payment, wherein the identification information contains information identifying an ACH account of the user / payee to receive the payment, while the user the spruce / payee is invited to confirm the invoice as the default payment method, the payment information for the production identifies at least the amount, the payment source and information identifying the mobile device of the user / payee, the information related to the payment method in the second the message about received payments contains information about one or more selectable methods for receiving payment, and user input related to the payment method contains um, the choice of the payment method for receiving the payment, and the payment order includes information regarding the selected payment method, whereby the MFTS receives a payment confirmation message from the recipient of the payment order in response to the completion of the predetermined stage when making the payment to the user / recipient, and the MFTS is additionally valid to send a payment confirmation message to the mobile device of the payee / user in response to receiving a payment confirmation message from the recipient of the payment order, the message containing a text message transmitted to the mobile device of the user, the registration information provided by the user / payee includes information identifying the user / payee account to receive the payment, the user / payee account contains the account ACH, and the user / payee account contains a card account with a pending limit on funds (SV), moreover, information regarding the downloaded mob application The device displayed to the user / payee contains a message instructing the user / payee to download and install the mobile device application, the downloadable mobile device application containing the Mobile Wallet application, the Mobile application providing the user / payee with the functionality for making payments using MFTS, as well as receiving payments, while using the Mobile Wallet application by the payee / payee, subsequently, as a payer, to make a payment to another person as a user / payee, promotes the viral distribution of the Mobile Wallet application to other persons with mobile devices, the Mobile Wallet application providing for displaying the selected commands on the mobile device, including number, one or more of the teams View invoices for payment, teams View sources of payments and teams Pay bills (a), and MFTS is connected, for electronic about the exchange of information with a user's computer through a data network such as the Internet, and further comprising the steps of: preparing an Internet application in association with the MFTS; receiving information about the user through an Internet application corresponding to financial service providers, accounts with financial service providers, payment methods and / or payees; and storing user information entered through the Internet application in the MFTS database for use in connection with the production and receipt of payments. 49. A method for providing a payment to a user of a mobile device connected to exchange information with a wireless network, comprising the steps of: prepare a system of mobile financial transactions (MFTS), connected, for wireless exchange of information, with the mobile device of the user / payee using the mobile service provider (MCSP), MFTS is connected, for electronic exchange of information, with the recipient of the payment order to make the payment, MFTS includes a database of a mobile financial transaction system (MFTS) for storing user information, payment information for production, and information about payment sources; preparing a download system for storing a downloadable application of a mobile device, operating when installed on a compatible mobile device, for exchanging information with MFTS; accept information about payments for production in MFTS from the payer corresponding to the payment to be made to the user / payee; form a message about received payments in the MFTS containing information relevant to the payment to be made to the user / payee; wirelessly transmit the message about received payments from the MFTS to the mobile device of the user / payee, the message about received payments includes information regarding the downloadable application of the mobile device; in response to the action of the user / payee to download and install the mobile device application on the user's / payee’s mobile device and provide registration information, a second message about received payments is wirelessly transmitted from the MFTS to the user’s / payee’s mobile device, the second message about payments contains information about the payment and information about the payment method for receiving the payment; on the mobile device of the user / payee, accept user input related to the payment method for receiving the payment; on the mobile device of the user / payee, in response to user input, form a payment order containing information relevant to the payment method; wirelessly transmit the payment order from the mobile device of the user / payee to the MFTS; the MFTS generates the MFTS payment order to the recipient of the payment order, the MFTS payment order includes at least the amount and identification information corresponding to the user / payee; transmit the MFTS payment order from the MFTS to the recipient of the payment order; and the recipient of the payment order, in response to receiving the payment order MFTS, makes a payment to the user / recipient of the payment in accordance with the method of payment, the recipient of the payment order being a financial services provider whose payer supports one or more accounts, and the recipient of the payment order is a financial provider services associated with the MFTS, which allows the possession of funds for payment, and the identification information used for the payment to the user / payee is delivered to the MFTS, wherein the identification information is supplied by the payer to the MFTS using the mobile device application on the payer's mobile device, the identification information is supplied by the payer to the MFTS using the Internet application, and additional identification information is supplied by the user / payee using the mobile device application on the mobile device of the user / payee, and the identification information contains information about the user / payee selected from the group: name and mailing address, card account with a set limit of funds (SV), ACH account, and the identification information contains information corresponding to the selected payment method, and the information is displayed to the user / to the payee as default payment information, wherein the user / payee is invited to confirm the default payment information, wherein the identification information contains it is the mailing address, and the user / payee is invited to confirm the mailing address as the default mailing address, the identification information contains a card account with a set limit of funds (SV), and the user / payee is invited to confirm the account of the SV card as a method for receiving a default payment, the identification information containing information identifying the ACH account of the user / payee to receive the payment, and the user / the recipient of the payment is invited to confirm the account as the default payment method, and the message on received payments contains a text message transmitted to the mobile device of the user / payee, and the registration information provided by the user / payee includes information identifying the account the user / payee to receive the payment, the user / payee account contains an ACH account, the user / payee account the hedgehog contains an account with a card with a set limit of funds (SV), and information on payments for production identifies at least the amount, source of payment, and information identifying the mobile device of the user / payee, and information regarding the downloadable application of the mobile device displayed to the user / payee contains a message instructing the user / payee to download and install a mobile device application, moreover, information related to the method of payment and in the second message about received payments, contains information about one or more selectable methods for receiving payment, and user input related to the payment method contains a choice of payment method for receiving payment, and the payment order includes information regarding the selected payment method, moreover, the downloadable application of the mobile device contains a Mobile wallet application, and the Mobile application provides the user / payee with functionalities Opportunities for making payments using MFTS, as well as receiving payments, and the use of the Mobile Wallet application by the user / payee, subsequently, as a payer, to make a payment to another person as the user / payee, facilitates the viral spread of the Mobile Wallet application to other persons with mobile devices, moreover, the Mobile Wallet application provides for displaying selectable commands on a mobile device, including one one or more of the command View invoices for payment, the command View sources of payments and the command Pay invoice (a), the method further comprising receiving a confirmation message from the recipient of the payment order in response to the completion of a predetermined stage when making the payment to the user / recipient payment, the method further comprising transmitting a payment confirmation message to the payee / user mobile device in response to receiving the message via confirmation of payment from the recipient of the payment order, the MFTS being connected, for electronic exchange of information, with the user's computer via a data network such as the Internet, and further comprising stages in which: Prepare an Internet application in association with the MFTS receive information about the user through an Internet application corresponding to financial service providers, accounts with financial service providers, payment methods and / or payees; and save user information entered through the Internet application in the MFTS database for use in connection with the production and receipt of payments. 50. A system for providing payment to a user / payee of a mobile device connected to exchange information with a wireless network, comprising: a user / payee mobile device capable of wirelessly exchanging information with a mobile financial transaction system (MFTS); a computer system of a mobile financial transaction system (MFTS), connected, for wireless information exchange, with a mobile device of a user / payee using a mobile service provider (MCSP), MFTS is connected, for electronic exchange of information, with a recipient of a payment order for making a payment, MFTS includes a database of a mobile financial transaction system (MFTS) for storing user information, payment information for production, and information about payment sources; a download system for storing a downloadable mobile device application that is operational when installed on a compatible mobile device for exchanging information with MFTS; and MFTS software operating in the MFTS computer system, containing a control program for performing computer-implemented steps: receiving information about payments for production from the payer corresponding to the payment to be made to the user / payee; generating a message about received payments in the MFTS containing information relevant to the payment to be made to the user / payee; wirelessly transmitting messages about received payments from the MFTS to the mobile device of the user / payee, the message about received payments includes information regarding the downloadable application of the mobile device; in response to the action of the user / payee to download and install the mobile device application on the user's / payee’s mobile device and provide registration information, a second message about received payments is wirelessly transmitted from the MFTS to the user’s / payee’s mobile device, the second message about payments contains information about the payment and information about the payment method for receiving the payment; receiving a mobile payment order from the mobile device of the user / payee containing information relevant to the payment method; generating an MFTS payment order to the recipient of the payment order, the MFTS payment order includes at least the amount and identification information corresponding to the user / payee; transferring the MFTS payment order from the MFTS to the recipient of the payment order; and the recipient of the payment order, in response to receiving the payment order MFTS, making the payment to the user / payee in accordance with the method of payment, the recipient of the payment order being a financial services provider in which the payer maintains one or more accounts, and the recipient of the payment order is a financial provider services associated with the MFTS, which allows the possession of funds for payment, the identification information used to the payment to the user / payee is delivered to the MFTS, whereby the identification information is supplied by the payer to the MFTS using the mobile device application on the payer's mobile device, the identification information is supplied by the payer to the MFTS using the Internet application, and additional identification information is supplied by the user / payee using the mobile device application on the mobile device of the user / payee, when This identification information contains information about the user / payee selected from the group: name and postal address, card account with a fixed limit of funds (SV), ACH account, and the identification information contains information corresponding to the selected payment method, and the information is displayed to the user / to the payee as default payment information, the user / payee being invited to confirm the default payment information, the identification information being Holds the mailing address, and the user / payee is invited to confirm the mailing address as the default mailing address, and the identification information contains a card account with a set limit of funds (SV), and the user / payee is invited to confirm the account of the SV card as a method for receiving payment by default, wherein the identification information contains information identifying the ACH account of the user / payee to receive the payment, and the user The payee / recipient is invited to confirm the account as the default payment method, wherein the received payment message contains a text message sent to the user's / payee’s mobile device, the registration information provided by the user / payee includes information, identifying the user / payee account to receive payment, the user / payee account containing an ACH account, the user / payee account being the state of payment contains a card account with a fixed limit of funds (SV), and information on payments for production identifies at least the amount, source of payment and information identifying the mobile device of the user / payee, and information regarding the downloadable application of the mobile device displayed to the user / payee contains a message instructing the user / payee to download and install a mobile device application, moreover, information related to the pl the same in the second message on received payments contains information about one or more selectable methods for receiving payment, and user input related to the payment method contains a choice of payment method for receiving payment, and the payment order includes information regarding the selected payment method, moreover, the downloadable application of the mobile device contains a Mobile wallet application, and the Mobile application provides the user / payee with functional opportunities for making payments using MFTS, as well as receiving payments, and the use of the Mobile Wallet application by the user / payee, subsequently, as a payer, to make a payment to another person as a user / payee, facilitates the viral spread of the Mobile Wallet application to other persons with mobile devices, moreover, the Mobile Wallet application provides for displaying selectable commands on a mobile device, including, one or more of the commands View invoices for payment, the teams View sources of payments and the commands Pay invoice (a), and the MFTS is valid for receiving a payment confirmation message from the recipient of the payment order in response to the completion of the predetermined stage when making the payment to the user / payee, MFTS software is additionally valid for transmitting a payment confirmation message to the payee / user mobile device in response to receiving the message Confirming the payment from the payment instruction recipient, the MFTS associated to electronic information exchange with the user's computer via a data communication network such as the Internet, and further comprising the steps of: preparing an Internet application in association with the MFTS; receiving information about the user through an Internet application corresponding to financial service providers, accounts with financial service providers, payment methods and / or payees; and storing user information entered through the Internet application in the MFTS database for use in connection with the production and receipt of payments. 51. A method for distributing a mobile device application for use in making and accepting payments using a mobile device connected to exchange information with a wireless network, comprising the steps of: receive a message on the mobile device, including information about the payment made to the user of the mobile device from the payer, and information regarding the downloadable application of the mobile device, the downloadable application of the mobile device is valid when installed on a compatible mobile device to exchange information with the mobile financial transaction system (MFTS), which facilitates the production and receipt of payments through wireless mobile devices; and following the user’s action of the mobile device to download and install the mobile device application on the user's mobile device and provide registration information, exchange information with the MFTS to receive payment by the user of the mobile device as a user / payee, the method further comprising the steps of: receive a message about received payments from MFTS on the mobile device of the user / payee, the message about received payments contains information corresponding to the payment to be made to the user / payee; display information corresponding to the message about received payments on the mobile device of the user / payee, the displayed information includes information regarding the downloadable application of the mobile device; after downloading and installing the mobile device application on the mobile device of the user / payee and providing registration information, receive a second message about received payments from MFTS on the mobile device of the user / payee; display information corresponding to the second message about received payments on the mobile device of the user / payee, the displayed information contains information about the payment and information about the payment method for receiving the payment; accept user input related to the payment method for receiving the payment; form a mobile payment order containing information relevant to the payment method; and wirelessly transmit the mobile payment order from the mobile device of the user / payee to the MFTS, therefore, the MFTS is valid, in response to the receipt of the payment order, the MFTS delivers the payment order to the recipient of the payment order, which makes the payment to the user / payee in accordance with the payment method, and the recipient of the payment order is a financial services provider in which the payer supports one or more accounts, and the recipient of the payment order is a financial services provider associated with the MFTS, which allows the possession of money means of payment, the identification information used to make the payment to the user / payee being supplied to the MFTS, the identification information being supplied by the payer to the MFTS using the mobile device application on the payer's mobile device, the identification information being supplied by the payer to the MFTS using the Internet applications, with additional identification information supplied by the user / payee using the mobile application device on the mobile device of the user / payee, and the identification information contains information about the user / payee selected from the group: name and postal address, card account with a fixed limit of funds (SV), ACH account, and the identification information contains information corresponding to the selected payment method, and the information is displayed to the user / payee as default payment information, and the user / payee is invited to confirm providing default payment information, the identification information containing a mailing address, and the user / payee is invited to confirm the mailing address as the default mailing address, the identification information containing a card account with a set limit of funds (SV), and the user / payee is invited to confirm the SV card account as a method for receiving a default payment, the identification information containing information identifying the ACH account the user / payee to receive the payment, and the user / payee is invited to confirm the account as the default payment method, and the payment information for the production identifies at least the amount, source of payment and information identifying the mobile device of the user / payee payment, and information related to the method of payment in the second message on received payments contains information about one or more selectable methods for receiving payment, the user input related to the payment method, contains a choice of payment method for receiving payment, and the payment order includes information regarding the selected payment method, the method further comprising receiving a payment confirmation message from the recipient of the payment order in MFTS in response to the completion of a predetermined stage when making a payment to the user / payee, the method further comprising receiving a message confirmation of payment on the mobile device of the payee / user in response to receiving a payment confirmation message from the recipient of the payment order, the message containing a text message transmitted to the user's mobile device, the registration information provided by the user / payee includes information, identifying the user / payee account to receive the payment, the user / payee account containing the ACH account, and the user account The holder / payee contains a card account with a set limit of funds (SV), and the information regarding the downloadable mobile device application displayed to the user / payee contains a message instructing the user / payee to download and install the mobile device application, and the downloadable mobile device application contains Mobile wallet application, wherein the Mobile application provides the user / payee with functionality to make payments using MFTS, as well as receive payments, and the use of the Mobile Wallet application by the user / payee, subsequently, as a payer, to make a payment to another person as the user / payee, facilitates the viral spread of the Mobile Wallet application to other persons with mobile devices, moreover, the Mobile Wallet application provides for displaying on a mobile device selectable commands, including one or more from the team View invoices for payment, the team View sources of payments and the team Pay the invoice (a), and the MFTS is connected, for electronic exchange of information, with the user's computer via a data network such as the Internet, and further comprising stages in which: Prepare an Internet application in association with the MFTS receive information about the user through an Internet application corresponding to financial service providers, accounts with financial service providers, payment methods and / or payees; and save user information entered through the Internet application in the MFTS database for use in connection with the production and receipt of payments. 52. A mobile device for use in connection with receiving payment from a payer through a mobile financial transaction system (MFTS), a mobile device connected, for wireless information exchange, to a wireless network, comprising: a mobile device connected to wirelessly exchange information through a mobile service provider to a mobile financial transaction system (MFTS), the mobile device includes a display device, user input means, a processor and memory; the mobile device is capable of receiving a message including information about the payment made to the user of the mobile device from the payer, and information regarding the downloadable application of the mobile device; the downloadable mobile device application is valid for exchanging information with the mobile financial transaction system (MFTS), which facilitates the production and receipt of payments via wireless mobile devices; and the mobile device application, following the user’s action of the mobile device to download and install the mobile device application on the user's mobile device and provide registration information, exchanges information with the MFTS to receive payment by the mobile device user as the user / payee, while the mobile device is additionally valid for: receiving a message about received payments from MFTS on the mobile device of the user / payee, the message on received payments contains information corresponding to the payment to be made to the user / payee; displaying information corresponding to the message on received payments on the mobile device of the user / payee, the displayed information includes information regarding the downloadable application of the mobile device; after downloading and installing the mobile device application on the mobile device of the user / payee and providing registration information, receive a second message about received payments from MFTS on the mobile device of the user / payee; displaying information corresponding to the second message about received payments on the mobile device of the user / payee, the displayed information contains information about the payment and information about the payment method for receiving the payment; receiving user input related to a payment method for receiving a payment; the formation of a mobile payment order containing information relevant to the payment method; and wireless transfer of the mobile payment order from the mobile device of the user / payee to the MFTS, therefore, the MFTS is valid, in response to receipt of the payment order, the MFTS delivers the payment order to the recipient of the payment order, which makes the payment to the user / recipient in accordance with the payment method, while the recipient of the payment order is a financial services provider from which the payer supports one or more accounts, while the recipient of the payment order is a financial services provider associated with the MFTS, which allows the possession of a monthly means of payment, the identification information used to make the payment to the user / payee being supplied to the MFTS, the identification information being supplied by the payer to the MFTS using the mobile device application on the payer's mobile device, the identification information being supplied by the payer to the MFTS using the Internet applications, with additional identification information supplied by the user / payee using the application a mobile device on a user's / payee’s mobile device, the identification information containing information about the user / payee selected from the group: name and postal address, card account with a fixed limit of funds (SV), ACH account, and the identification information contains information corresponding to the selected payment method, and the information is displayed to the user / payee as default payment information, while the user / payee is invited to confirmation of payment information by default, wherein the identification information contains a mailing address, and the user / payee is invited to confirm the mailing address as the default mailing address, and the identification information contains a card account with a set limit of funds (SV), and the user / payee is invited to confirm the account of the SV card as a method for receiving a default payment, wherein the identification information contains information identifying ACH account of the user / payee for receiving the payment, and the user / payee is invited to confirm the account as the default payment method, while the payment information for the production identifies at least the amount, payment source and information identifying the mobile device user / payee, and the information related to the method of payment, in the second message on received payments contains information about one or more selectable methods for payment payment receipt, the user input related to the payment method, contains the choice of payment method for receiving payment, and the payment order includes information regarding the selected payment method, and the device further comprises the step of receiving a payment confirmation message from the recipient of the payment order to the MFTS in a response to the completion of a predetermined stage when making a payment to the user / payee, the device further comprising the step of receiving a confirmation message waiting for payment on the mobile device of the payee / user in response to receiving a payment confirmation message from the payee, the message contains a text message transmitted to the user's mobile device, and the registration provided by the user / payee includes information identifying the account the user / payee to receive the payment, the user / payee account contains an ACH account, the user / payee account being it also contains a card account with a set limit of funds (SV), and the information regarding the downloadable mobile device application displayed to the user / payee contains a message instructing the user / payee to download and install the mobile device application, while the downloadable mobile device application contains the Mobile application wallet, while the Mobile wallet application provides the user / payee with the functionality to make a payment hedgehogs using MFTS, as well as receiving payments, while the use of the Mobile Wallet application by the user / payee, subsequently, as a payer, to make a payment to another person as the user / payee, facilitates the viral spread of the Mobile Wallet application to other persons with mobile devices, moreover, the Mobile Wallet application provides for displaying on a mobile device selectable commands, including one or more of the View command there are invoices to be paid, teams View sources of payments, teams Pay bills (a), while the MFTS is connected, for electronic exchange of information, with the user's computer via a data network such as the Internet, and further comprising the steps: preparing an Internet application in association with the MFTS; receiving information about the user through an Internet application corresponding to financial service providers, accounts with financial service providers, payment methods and / or payees; and storing user information entered through the Internet application in the MFTS database for use in connection with the production and receipt of payments. 53. A method for making a mobile financial payment using a mobile device connected to exchange information with a wireless network, comprising the steps of: prepare a system of mobile financial transactions (MFTS), connected, for wireless exchange of information, with a user's mobile device using a mobile service provider (MCSP), MFTS is connected, for electronic exchange of information, with one or more recipients of payment orders that can make a payment to the payee on behalf of the user, MFTS includes a database of a mobile financial transaction system (MFTS) for storing user information, payment information for production, ass tsiativno related to one or more recipients of payment orders and / or payees, and payment information sources associated with the at least one account associated with the at least one financial service provider; preparing one or more selectable payees for selection by a user using a mobile device; accept user input on the user's mobile device corresponding to the choice of the payee for payment for production and the source of payment for payment; in response to user input on a user's mobile device, a mobile payment order is generated containing information relevant to the payment for production and the payment source for making the payment; wirelessly transmit the mobile payment order from the user's mobile device to the MFTS; in MFTS and in response to receiving a mobile payment order, extract information from the MFTS database corresponding to the identified payee to receive the payment indicated by the mobile payment order and information corresponding to the selected account from the selected financial services provider identified in the mobile payment order; MFTS generates and transfers the MFTS payment order to the recipient of the payment order, the MFTS payment order includes at least information identifying the selected account with the selected financial service provider, the amount, and information corresponding to the identified payee; and transmit the MFTS payment order from the MFTS to the selected recipient of the payment order; therefore, the recipient of the payment order, in response to receiving the payment order MFTS, makes a payment to the identified payee, moreover, one or more selectable payees contain payees for which payment information was previously stored in the MFTS, with one or more select recipients payments contain recipients of payments to whom a payment was previously made, and for which payment information is already currently existing on a mobile device, moreover, the information on payments for production contains an invoice for payment, and the recipient of the payment is the invoice for payment, the recipient of the payment order is one of the financial services provider, aggregator of invoicing for payment or a separate invoice for payment by the subject, the production is supplied to the MFTS by an external source, entered by the user through a website accessible on the Internet, reached by the user to enter payment information for production as well as information about the payee, or entered by the user on a mobile device, the external source for payment information for production being one or more of a billing system that delivers billing information from a plurality of billing entities, or a separate billing entity, the payment information for production containing information corresponding to one or more of the following: a periodic invoice for payment, an invoice for payment from a a billing regulator for payment, an invoice for payment from a separate invoicing company for payment, a “pay to anyone” payment, the method further comprising preparing a Mobile wallet application on a user's mobile device, the Mobile Wallet application providing for displaying selectable teams, including one or more of the team View invoices for payment, teams View sources of payments and teams Pay bills (a), moreover, the choice of the source A payment transaction includes selecting a financial service provider and selecting a specific account associated with the selected financial services provider to make a payment, with user input corresponding to the choice of payment source for making a payment provided in response to the Display payment sources command, moreover, the activation by the user of the View Payment Sources team encourages MFTS to retrieve current account information from one or more financial providers services and transmit current billing information to a mobile device after receiving such information from one or more financial service providers, and the identified payee corresponds to the billing entity that transferred the billing information to MFTS, and the MFTS database stores information transaction information corresponding to the user's financial transactions, transaction information includes information on payments for production in addition to other information used mine to track the status of the payment for production, and the transaction information includes one or more of the following information elements: user ID number, transaction ID, date of the accepted account for payment, due date for the payment of the account for payment, amount, identifier of the financial services provider, invoice identifier, payee identifier, pending / completion flag, the method further comprising the step of: transmitting a payment confirmation message from the payee an order in the MFTS in response to the completion of a predetermined stage when making a payment, the method further comprising transmitting a payment confirmation message to the mobile device in response to receiving a payment confirmation message from the recipient of the payment order, the method further comprising the steps of: on the user's mobile device, user input corresponding to the choice of a payment method for making a payment is received; and on the user's mobile device, in response to user input, information is included in the mobile payment order corresponding to the selected payment method, and the selected payment methods include: a recipient-defined method, ACH money transfer, paper check and a card with a fixed limit of funds (SV), moreover, the MFTS is additionally connected, for electronic exchange of information, with a user's computer via a data network such as the Internet, and further comprising steps, and which: Prepare an Internet application in association with the MFTS receive information about the user through an Internet application corresponding to financial service providers, accounts with financial service providers and payees; and storing user information entered through the Internet application in the MFTS database for use in connection with payments initiated by the user's mobile device, the method further comprising extracting and displaying transaction information corresponding to transactions conducted through the mobile device the user, through an Internet application, to the user through the user's computer, the method further comprising the steps of: storing a cached account balance in a mobile device representing a balance in at least one account as of a specific date; receive updated information about the account balances from the MFTS in the user mobile device; and In response to receiving updated information about account balances from the MFTS, updated information about account balances corresponding to the account is displayed to the user via a mobile device. 54. A system for making a mobile financial payment using a mobile device connected, for the exchange of information, with a wireless network, comprising: a user mobile device connected, for wireless information exchange, with a mobile financial transaction system (MFTS), a mobile device provides one or more selectable payees for selection by a user using a mobile device, the mobile device is operable to receive user input corresponding to the choice of the payee for payment for production and a source of payment for payment, the mobile device is additionally valid conductive to form a mobile payment instruction comprising information corresponding to the payment for the production and payment source for the payment, and transmitting the wireless mobile payment instruction in the MFTS; a mobile financial transaction system (MFTS) database associated with the MFTS for storing user information, payment information for production, associated with one or more payees, and information about payment sources associated with at least one account associated with at least one financial provider of the user; a computer system of the mobile financial transaction system (MFTS) to maintain the MFTS database and conduct electronic exchange of information between entities involved in mobile financial payments; and MFTS software operating in the MFTS computer system, containing a control program for performing computer-implemented steps: in response to receiving a mobile payment order from a mobile device, extracting information from the MFTS database corresponding to the identified payee to receive the payment specified in the mobile payment order, and information corresponding to the selected account from the selected financial services provider identified in the mobile payment order; generation of the MFTS payment order to the recipient of the payment order, the MFTS payment order includes at least information identifying the selected account with the selected financial service provider, the amount and information corresponding to the identified payee; and transferring the MFTS payment order from the MFTS to the recipient of the payment order; therefore, the recipient of the payment order, in response to receiving the payment order MFTS, makes a payment to the identified payee using the selected account with the selected financial service provider, and one or more selected payees contain payment recipients for which payment information was previously saved in the MFTS, where one or more selectable payees contain payees who have previously been paid and for whom the payment information the hedgehog is already existing on the mobile device, and information about payments for production contains an invoice for payment, and the recipient of the payment is the invoice for payment entity, and the recipient of the payment order contains the financial services provider, billing aggregator for payment or separate invoicing subject to payment, and information on payments for production is supplied to the MFTS by an external source, entered by the user through the website accessible on the Internet, achieve which is entered by the user to enter information on payments for production and information on the payee, or is entered by the user on a mobile device, the external source for information on payments for production being selected from the group consisting of: a system for presenting bills for payment, which delivers information about bills for payment from a plurality of entities invoicing for payment of a subject, or a separate entity invoicing for payment of a subject, and information on payments for production contains information corresponding to one and and more of the following: a periodic invoice payable, an invoice payable from a billing aggregator payable, an invoice payable from a separate invoicing company payable, a “pay to anyone” payment, moreover, MFTS delivers the Mobile Wallet application for execution on a user's mobile device, moreover, the Mobile Wallet application provides for the display on the mobile device of selectable commands, including one or more of the command View invoices for payment, the command View payment sources, the team Opl hold account (a), and user input corresponding to the choice of the source of payment for making the payment is provided in response to the display of the View payment sources command, the choice of the source of payment for making the payment includes choosing the financial service provider and choosing a specific account associated with by the selected financial services provider to make a payment, and the user’s activation of the View payment sources command prompts MFTS to retrieve current account information and from one or more financial service providers and transmit current account information to a mobile device after receiving such information from one or more financial service providers, and the identified payee corresponds to the invoicing entity that transmitted the invoice information to the MFTS, information about payments for production, transmitted to the mobile device via MFTS, consists of the identifier of the payee, the amount and due date, and the mobile device uses the payee identifier in the payment information for production and retrieves the payee name information from the local memory of the mobile device corresponding to the identified payee and displays the payee name to the user, the MFTS database storing transaction information corresponding to financial transactions user stored transaction information includes information about payments for production in addition to other information, used to track the status of the payment for production, and the transaction information includes one or more of the user ID number, transaction ID, date of the accepted invoice for payment, due date for the invoice to be paid, amount, financial service provider identifier, account identifier, identifier payee, flag of expectation / completion, and the system further comprises receiving, in the MFTS, a payment confirmation message from the payee at a predetermined stage and completing the payment, wherein the MFTS transmits a payment confirmation message to the mobile device in response to receiving the payment confirmation message from the recipient of the payment order, the user’s mobile device receiving user input corresponding to the choice of payment method for making the payment; and in response to user input, the user's mobile device includes information in the mobile payment order corresponding to the selected payment method, the selected payment methods include: the recipient-defined method, ACH funds transfer, paper check and card with a fixed limit of funds (SV ), and the MFTS is additionally connected, for electronic exchange of information, with the user's computer via a data network such as the Internet, and further comprising controlling th program in the MFTS software, containing the online application is operative to receive the user information corresponding to financial service providers, accounts at financial service providers and recipients of payments; and however, the MFTS is valid for storing user information entered via the Internet application in the MFTS database for use in connection with payments initiated by the user's mobile device, the system further comprising a control program in the MFTS software for retrieving and displaying information about transactions corresponding to transactions conducted through a user's mobile device, through an Internet application, to a user through a user's computer, Rich user mobile device stores a cached account balance in the mobile device representing the balance at least one account as of a particular date; while the mobile device receives updated information about account balances for the account; and while in response to receiving updated information about account balances, the mobile device displays updated information about account balances corresponding to the account to the user. 55. A method for making a mobile financial payment using a mobile device connected to exchange information with a wireless network, comprising the steps of: preparing one or more selectable payees for selection by a user using a mobile device; accept user input on the user's mobile device corresponding to the choice of the payment recipient for the payment for production and the selection of the payment source for the payment; in response to user input on a user's mobile device, a mobile payment order is generated containing information relevant to the payment for production and the payment source for making the payment; and wirelessly transmit the mobile payment order from the user's mobile device to the mobile financial transaction system (MFTS), which can make payments to the identified payee, therefore, in response to a payment order, MFTS makes a payment to the identified payee, the method further comprising the steps of: display information corresponding to one or more selectable payment sources on a user's mobile device, one or more selectable payment sources contain financial service providers from which the user maintains at least one account selected for making a payment; and accepting a user’s choice of one of the selected payment sources as a payment source for the payment, the information corresponding to one or more selected payment sources displayed on the user's mobile device contains summary information about the payment sources, and the payment information for production is supplied to the MFTS by an external source , is entered by the user through an Internet site accessible by the user, accessible by the user to enter payment information for production and information about the payee, or entered by the user on a mobile device, and the external source for payment information for production is selected from the group consisting of: a billing system that delivers billing information from a variety of billing entities, or a separate billing bills payable by the entity, and information on payments for production contains information corresponding to one or more of the following: a periodic bill for payment, a bill payable from the aggregate and billing for payment, invoice for payment from a separate invoicing company for payment, payment “pay to anyone”, the system further comprising preparing a Mobile Wallet application on a user's mobile device, the Mobile Wallet application providing for displaying selectable teams, including one or more of the team View invoices for payment, teams View sources of payments and commands Pay bills (a), and user input, with corresponding to the source of payment for the payment, is provided in response to the display of the View payment sources command, and the choice of the source of payment for the payment process includes the selection of the financial services provider and the selection of a specific account associated with the selected financial services provider for making the payment, a user of the View Payment Sources command prompts the MFTS to retrieve current account information from one or more financial service providers, and transmit current billing information to the mobile device after receiving such information from one or more financial service providers, the identified payee corresponding to the billing entity that transmitted the billing information to the MFTS, and the payment information for production transmitted to the mobile device of the MFTS, consists of the identifier of the payee, the amount and term of payment, and the mobile device uses the identifier of the payee in the information about payments for production and extracts information about the name of the payee from the local memory of the mobile device corresponding to the identified payee and displays information about the name of the payee to the user, the method further comprising receiving a payment confirmation message on the mobile device delivered via MFTS in response to the receipt of a payment confirmation message from the recipient of the payment order at a predetermined stage of completion of production atega, the method further comprising the step of accept user input corresponding to the choice of payment method for making payment; and in response to user input, information is included in the payment order corresponding to the selected payment method, the selected payment methods include: a recipient-defined method, ACH money transfer, a paper check and a card with a set limit of funds (SV), the method additionally contains stages in which: storing a cached account balance in a mobile device representing a balance in at least one account as of a specific date; receive updated information about the account balances from the MFTS in the user mobile device; and In response to receiving updated information about account balances from the MFTS, updated information about account balances corresponding to the account is displayed to the user via a mobile device. 56. A mobile device for making mobile financial payment via a wireless network, comprising: a mobile device connected to wirelessly exchange information through a mobile service provider to a mobile financial transaction system (MFTS), the mobile device includes a display device, user input means, a processor and memory; software of a mobile device operating in the processor of a mobile device containing a control program for performing computer-implemented steps: preparing one or more selectable payees for selection by a user using a mobile device; receiving user input on the user's mobile device corresponding to the payee for the payment for production and the payment source for making the payment; in response to user input on the user's mobile device, the formation of a mobile payment order containing information relevant to the payment for production and the source of payment for the payment; and wirelessly transmitting the mobile payment order from the user's mobile device to the MFTS to make a payment to the identified payee, moreover, the software of the mobile device is additionally valid for: displaying information corresponding to one or more selectable payment sources on a display device of a mobile device, one or more selectable payment sources comprise financial service providers from which the user maintains at least one account selected for making a payment, the information corresponding to one or more selectable payment sources displayed on the user's mobile device contains summary information about payment sources, moreover, information about the payment The payment for production is delivered to the MFTS by an external source, entered by the user through an Internet site accessible by the user to enter payment information for production and information about the payee, or entered by the user on a mobile device, and the external source for payment information for production is selected from a group comprising: a billing system that delivers billing information from a variety of billing entities, or a separate payment system an invoice for payment by the subject, and information on payments for production contains information corresponding to one or more of the following: a periodic invoice for payment, an invoice payable from a billing aggregator for payment, an invoice payable from a separate invoicing company, payment “ pay to anyone, ”the mobile device software containing the Mobile Wallet application, the Mobile Wallet application providing for displaying the selected commands on the mobile device, including one or more of the command View invoices for payment, the command View sources of payments, the commands Pay invoice (a), and user input corresponding to the source of payment for making a payment is provided in response to the display of the command View sources of payments, indicating the source payment to make a payment includes the selection of a financial services provider and the selection of a specific account associated with the selected financial services provider to make a payment, and the user’s view of the View payment sources command prompts MFTS to retrieve current account information from one or more financial service providers and transfer current account information to a mobile device after receiving such information from one or more financial service providers, and the identified payee corresponds to the invoice for payment to the entity that transmitted the information on the accounts payable to the MFTS, while the information on payments for production transmitted to the mobile device The property from the MFTS consists of the payee identifier, amount and payment term, while the mobile device uses the payee identifier in the payment information for production and retrieves the payee name information from the local memory of the mobile device corresponding to the identified payee, and displays the information about the name of the payee to the user, moreover, the software of the mobile device is additionally valid for receiving messages confirmed I payment supplied by MFTS in response to receipt of the payment confirmation message from the payment instruction recipient at a predetermined stage of completion of the production payment, and mobile device software is further is applicable to: receiving user input corresponding to the choice of payment method for making a payment; and in response to user input, information is included in the payment order corresponding to the selected payment method, and the selected payment methods include: a recipient-defined method, ACH money transfer, a paper check and a card with a set limit of funds (SV), the user mobile device stores a cached account balance in the mobile device, representing the balance in at least one account as of a specific date; while the mobile device receives updated information about account balances for the account; and while in response to receiving updated information about account balances, the mobile device displays updated information about account balances corresponding to the account to the user. 57. A computer-implemented method for a mobile financial transaction system (MFTS) to facilitate mobile financial payment initiated by a mobile device connected to exchange information with a wireless network, comprising the steps of: preparing a database of a mobile financial transaction system (MFTS) for storing user information, payment information for production, and information about payment sources associated with at least one account associated with at least one financial service provider; accept the mobile payment order transmitted from the user's mobile device, the mobile payment order contains information corresponding to the payment for the production of the user and the payment source of the user for the payment corresponding to the selected payment for production; in response to receiving a mobile payment order, information from the MFTS database corresponding to the identified payee for receiving the payment indicated by the payment order and information corresponding to the recipient of the payment order for making the payment are extracted; form the MFTS payment order to the recipient of the payment order, the MFTS payment order includes at least information identifying the source of payment, the amount and information corresponding to the identified payee; and transfer the MFTS payment order to the recipient of the payment order to make the payment, and the payment information for the production contains an invoice for payment, and the payee is the invoicing entity, the recipient of the payment order being one of the financial services provider, billing aggregator or a separate the billing entity, with payment information for production supplied to the MFTS by an external source, entered by the user through available over the Internet, a website accessible by a user to enter payment information for production and information about the payee, or entered by the user on a mobile device, the external source for information about payments for production being one of the billing system that delivers billing information payable from a variety of invoicing entities for payment, or by a separate invoicing entity, moreover, information on payments for production contains information corresponding to one or more of the following: a periodic invoice payable, an invoice payable from a billing aggregator payable, an invoice payable from a separate invoicing company payable, a “pay to anyone” payment, the method further comprising transmitting a message to the user's mobile device in response to receiving information about bills for payment from the invoicing party for payment, the method further comprising preparing a downloadable Mobile Wallet application for mobile user’s device in order to facilitate communication between mobile devices and MFTS, the Mobile Wallet application providing for the display on the mobile device of selectable teams, including one or more of the View invoices for payment commands, the View payment sources commands and the Pay invoice commands (a) moreover, the method further comprises the steps of extracting current account information from one or more financial service providers and transmitting current account information to mobile devices after receiving such information from one or more financial service providers in response to a user activating the View payment sources command on a mobile device, the identified payee corresponding to the invoicing entity that transmitted the invoice information to the MFTS, the method further comprising the step on which information about payments for production is transmitted to a mobile device consisting of the identifier of the payee, the amount and due date, The MFTS data store stores transaction information relevant to the user's mobile financial transactions, transaction information includes payment information for production in addition to other information used to track payment status for production, and transaction information includes one or more of of the following information elements: user ID number, transaction identifier, date of the accepted invoice for payment, due date for the invoice to be paid, amount, identifier of the final supplier service provider, account ID, payee ID, pending / completion flag, the method further comprising receiving a payment confirmation message from the recipient of the payment order at a predetermined stage when making a payment, the method further comprising transmitting a confirmation message payment to a mobile device in response to the receipt of a payment confirmation message from the recipient of the payment order, the method further It contains the steps of receiving information from the user's mobile device corresponding to the choice of the payment method for making the payment, and supplying the information corresponding to the selected payment method to the recipient of the payment order, the selected payment methods including: the recipient-determined method, ACH money transfer, a paper check and a card with a fixed limit of funds (SV), and the MFTS is connected, for electronic exchange of information, with the user's computer via a data network, such as the Internet, and further comprising stages in which: Prepare an Internet application in association with the MFTS accept information about the user through an Internet application corresponding to financial service providers, accounts with financial service providers and payees; and storing user information entered through the Internet application in the MFTS database for use in connection with payments initiated by the user's mobile device, the method further comprising retrieving and displaying transaction information corresponding to transactions conducted through the mobile device the user, through an Internet application, to the user through the user's computer, the method further comprising the steps of: liaise with the financial services provider to obtain updated information on account balances for the account; and wirelessly transmit updated account balance information from the MFTS to the user mobile device; therefore, in response to receiving updated information about account balances from the MFTS, the user mobile device displays updated information about account balances corresponding to the account to the user. 58. A mobile financial transaction system (MFTS) for facilitating a mobile financial payment initiated by a user mobile device connected to exchange information with a wireless network, comprising the steps of: a mobile financial transaction system (MFTS) database for storing user information and payment information for production associated with one or more payees, and information about payment sources associated with a mobile device user; a computer system of the mobile financial transaction system (MFTS) to maintain the MFTS database and conduct electronic exchange of information between entities involved in mobile financial payments; and MFTS software operating in the MFTS computer system, containing a control program for performing computer-implemented steps: receiving a mobile payment order transmitted from a user’s mobile device, the mobile payment order contains information corresponding to the payment for production and the source of payment for the payment; in response to receiving a mobile payment order, extracting information from the MFTS database corresponding to the identified payee to receive payment, and information corresponding to the source of payment; generation of the MFTS payment order to the recipient of the payment order, the MFTS payment order includes at least information identifying the source of payment, the amount and information corresponding to the identified payee; and transferring the MFTS payment order to the recipient of the payment order, therefore, in response to the MFTS payment order, the recipient of the payment order makes a payment to the identified payee, and the payment information for the production contains an invoice for payment, and the payee is the invoicing entity, and the recipient of the payment order contains the financial services provider, a billing aggregator or a separate billing entity, with payment information for production being provided to the MFTS by an external source m, is entered by the user through an Internet site accessible by the user to enter payment information for production and information about the payee, or entered by the user on a mobile device, the external source for payment information for production being one or more of a billing system payable, which provides information on bills payable from a variety of billing entities for payment, or a separate billing entity for payment, and information about payment ah for production contains information corresponding to one or more of the following: a periodic invoice payable, an invoice payable from a billing aggregator payable, an invoice payable from a separate invoicing company payable, a “pay to anyone” payment, the MFTS software being additionally valid for sending a message to a user's mobile device in response to receiving information on accounts payable from the invoice to pay entity, the MFTS software being additionally valid for delivering a downloadable Mobile Wallet application to users an Apple mobile device to facilitate communication between mobile devices and MFTS, the Mobile Wallet application providing for the display on the mobile device of selectable teams, including one or more of the View billing team, View billing sources and Pay billing commands (a) moreover, the MFTS software is additionally valid for extracting current account information from one or more financial service providers and transmitting current account information to a mobile device after receiving such information from one or more financial service providers in response to a user activating the View payment sources command on a mobile device, the identified payee corresponding to the invoicing entity that transferred the invoice information to the MFTS, the software MFTS is additionally valid for the transmission of information about payments for production, while information about payments for production transmitted I’m on a mobile device, it consists of the payee’s identifier, amount and payment term, and the MFTS database stores transaction information corresponding to the user's mobile financial transactions, transaction information includes information about payments for production in addition to other information used to tracking payment status for production, and transaction information includes one or more of the following information elements: user ID number, transaction ID II, the date of the accepted invoice for payment, the due date of the invoice for payment, the amount, the identifier of the financial services provider, the identifier of the invoice, the identifier of the payee, the flag sign of waiting / completion, and the MFTS software is additionally valid for receiving a payment confirmation message from the payee orders at a predetermined stage when making a payment, the MFTS software being additionally valid for transmitting a payment confirmation message and the mobile device in response to the receipt of a payment confirmation message from the recipient of the payment order, the MFTS software being additionally valid for receiving information from the user's mobile device corresponding to the choice of the payment method for making the payment and delivering the information corresponding to the selected payment method to the recipient of the payment order moreover, the selected payment methods include: the recipient-defined method, ACH funds transfer, paper check and a card with a set limit of funds (SV), while the MFTS is connected, for electronic exchange of information, with the user's computer via a data network such as the Internet, and further comprising the steps implemented by the computer: Prepare an Internet application in association with the MFTS accept information about the user through an Internet application corresponding to financial service providers, accounts with financial service providers and payees; and storing user information entered via the Internet application in the MFTS database for use in connection with payments initiated by the user's mobile device, the MFTS software being additionally valid for retrieving and displaying transaction information corresponding to transactions conducted through the mobile device the user through an Internet application, the user through the user's computer, and MFTS communicates with the provider of financial services g to obtain updated information on the balance on the account to the accounts; wherein the MFTS wirelessly transmits updated account balance information from the MFTS to the user's mobile device; and due to which, in response to receiving updated information about account balances from MFTS, the mobile device displays updated information about account balances corresponding to the account to the user. 59. A method of obtaining a financial payment facilitated by the use of a mobile device connected to exchange information with a wireless network, comprising the steps of: prepare a system of mobile financial transactions (MFTS), connected, for wireless exchange of information, with the mobile device of the user / payee, MFTS is connected, for electronic exchange of information, with the recipient of the payment order, which makes payments in various ways, MFTS includes a database system Mobile financial transactions (MFTS) for storing information about the user / payee; deliver information corresponding to the payment received to the mobile device of the user / payee; display information corresponding to a plurality of selectable payment methods available to the user / payee to receive payment; on a mobile device, accept the input of the user / payee corresponding to the choice of payment method to receive payment; on a mobile device, in response to the input of the user / payee, form a mobile payment order containing information relevant to the selected payment method; wirelessly transmit the mobile payment order from the mobile device of the user / payee to the MFTS, in MFTS and in response to receiving a mobile payment order, extract information from the MFTS database corresponding to the selected payment method identified in the payment order; the MFTS generates the MFTS payment order to the recipient of the payment order, the MFTS payment order includes at least the amount, information corresponding to the identified payee, and information indicating the selected payment method; and transmit the MFTS payment order from the MFTS to the recipient of the payment order, therefore, the recipient of the payment order, in response to receiving the payment order MFTS, makes a payment to the user / recipient of the payment using the selected payment method, and the user / recipient of the payment maintains relations with the financial services provider, and the choice of payment method contains the choice of account a financial service provider for receiving a payment, the step of providing information relevant to the payment received in the mobile device of the user / payee , consists in delivering a message from the MFTS to a mobile device, the message being a text message, wherein the step of providing information corresponding to the payment received in the user’s / payee’s mobile device is to display the information through the Mobile Wallet application moreover, the method further comprises the step of preparing the Mobile Wallet application on the mobile device of the user / payee, the user / payee l the payment receives a message from the MFTS indicating the receipt of payment, downloads the Mobile Wallet application to the user's / payee’s mobile device, and then uses the Mobile Wallet application to receive the payment, and the Mobile Wallet application provides for displaying the selected commands on the mobile device, including , Choose payment methods, the selected payment methods including one or more of the ACH payment method, paper check method and card with deposit method ennym limit means, the method of payment default is stored as information about the user / payee, the mobile device displays a prompt to the user / payee to use the default payment method or choose another method of payment, and in this case, if there is no choice of another available payment method by the user / payee, the default payment method is used to make the payment. 60. A system for receiving a financial payment facilitated by the use of a mobile device connected to exchange information with a wireless network, comprising: a mobile device connected, for wireless information exchange, with a mobile financial transaction system (MFTS), a mobile device is operable to receive user / payee input corresponding to the choice of payment method, the mobile device is further operable to generate a mobile payment order containing information, corresponding to the selected payment method and wireless transfer of the mobile payment order to the MFTS; the mobile financial transaction system (MFTS), connected, for wireless information exchange, with the mobile device of the user / payee, MFTS is connected, for electronic information exchange, with the recipient of the payment order, which makes payments in various ways, MFTS includes a database of the mobile system financial transactions (MFTS) for storing information about the user / payee; and MFTS software operating in the MFTS system, containing a computer control program for performing computer-implemented steps: delivery of information corresponding to the payment received to the mobile device of the user / payee; providing information corresponding to the plurality of selectable payment methods available to the user / payee to receive payment; in response to receiving a mobile payment order from the user's / payee’s mobile device, retrieving information from the MFTS database corresponding to the selected payment method identified in the payment order; generating an MFTS payment order to the recipient of the payment order, the MFTS payment order includes at least the amount, information corresponding to the identified payee, and information indicating the selected payment method; and transferring the MFTS payment order from the MFTS to the recipient of the payment order, therefore, the recipient of the payment order, in response to receiving the payment order MFTS, makes a payment to the user / recipient of the payment using the selected payment method, and the user / recipient of the payment maintains relations with the financial services provider, and the choice of payment method contains the choice of account financial services provider to receive payment, the operation of providing information corresponding to the received payment in the mobile device of the user / payee, The message is delivered from the MFTS to the mobile device, the message being a text message, the operation of providing information corresponding to the payment received in the mobile device of the user / payee containing displaying information through the Mobile Wallet application, the MFTS software being additionally valid for providing the Mobile application wallet on the mobile device of the user / payee, the user / payee receives a message from the MFTS indicating receipt of payment, downloads the Mobile Wallet application to the user's / payee’s mobile device, and then uses the Mobile Wallet application to receive payment, and the Mobile Wallet application provides for displaying the selected commands on the mobile device, including the command Choose payment methods, the selected payment methods include one or more of the ACH payment method, paper check method and credit card method it means that the default payment method is stored as information about the user / payee, while the mobile device displays an invitation to the user / payee to use the default payment method or choose a different payment method, and if there is no choice of another available method payment by the user / payee, the default payment method is used to make the payment. 61. A method for receiving a financial payment facilitated by the use of a mobile device connected to exchange information with a wireless network, comprising the steps of: wirelessly receive information corresponding to the payment received on the mobile device of the user / payee from the mobile financial transaction system (MFTS); displaying information corresponding to a plurality of selectable payment methods for receiving payment on a user mobile device; accept the input of the user / payee on the mobile device corresponding to the choice of payment method for receiving payment; form a mobile payment order containing information relevant to the selected payment method; and wirelessly transmit the mobile payment order from the mobile device of the user / payee to the MFTS, due to which, in response to receiving a mobile payment order, MFTS makes a payment to the user / payee using the selected payment method, and the user / payee maintains relations with the financial services provider, and at the same time, the choice of payment method contains a choice of account with the financial services provider to receive a payment, the step of receiving information corresponding to the payment received in the mobile device of the user / payee is that they accept connecting from the MFTS to the mobile device, the message being a text message, the step of receiving information corresponding to the payment received in the mobile device of the user / payee, further comprising displaying the information via the Mobile Wallet application, the method further comprising the step of preparing the Mobile Wallet application on the mobile device of the user / payee, the user / payee accepting A message from the MFTS indicating receipt of the payment downloads the Mobile Wallet application to the user's / payee’s mobile device, and then uses the Mobile Wallet application to receive payment, and the Mobile Wallet application provides for displaying selectable commands on the mobile device, including Select payment methods, wherein the selected payment methods include one or more of an ACH payment method, a paper check method and a card with a pledged limit of funds, Moreover, the default payment method is stored as information about the user / payee, while the mobile device displays an invitation to the user / payee to use the default payment method or choose a different payment method, and if there is no choice of another available payment method by the user / payee, the default payment method is used to make the payment. 62. A mobile device for facilitating the receipt of a financial payment, comprising: a mobile device connected to wirelessly exchange information through a mobile service provider to a mobile financial transaction system (MFTS), the mobile device includes a display device, input means, a processor, and memory; and software of a mobile device operating in the processor of a mobile device containing a control program for performing computer-implemented steps: receiving information corresponding to the payment received on the mobile device of the user / payee from the mobile financial transaction system (MFTS); displaying information corresponding to a plurality of selectable payment methods for receiving payment on a user mobile device; receiving user / payee input on a mobile device corresponding to the choice of payment method for receiving payment; generating a mobile payment order containing information relevant to the selected payment method; and wireless transfer of the mobile payment order from the mobile device of the user / payee to the MFTS, due to which, in response to receiving a mobile payment order, MFTS makes a payment to the user / payee using the selected payment method, while the user / payee maintains relations with the financial service provider, and the choice of payment method contains a choice of account from the financial provider services for receiving a payment, the operation of receiving information corresponding to the received payment in the mobile device of the user / payee contains receiving a message from the MFTS to the mobile the device, the message being a text message, the operation of receiving information corresponding to the payment received in the mobile device of the user / payee further comprises displaying information via the Mobile Wallet application, the mobile device including the Mobile Wallet application, wherein the user / the payee receives a message from the MFTS indicating receipt of the payment, downloads the Mobile Wallet application to the user's mobile device the payee / recipient, and after that, uses the Mobile Wallet application to receive payment, moreover, the Mobile Wallet application provides for displaying selectable commands on the mobile device, including Select Payment Methods, moreover, the selected payment methods include one or more of the methods ACH payment method, paper check method and card method with a pledged limit of funds, moreover, the payment method is stored by default as information about the user / payee, while mobile device displays a prompt to the user / payee to use the default payment method or select another payment method, and wherein in the absence of selection of another available payment method available to the user / payee, the default payment method is used for the payment. 63. A method for facilitating financial payment by using a mobile device connected to exchange information with a wireless network, comprising the steps of: prepare a system of mobile financial transactions (MFTS), connected, for wireless exchange of information, with the mobile device of the user / payee, MFTS is connected, for electronic exchange of information, with the recipient of the payment order, which makes payments in various ways, MFTS includes a database system Mobile financial transactions (MFTS) for storing information about the user / payee; deliver information to the mobile device of the user / payee corresponding to the payment received; supply information to the mobile device of the user / payee corresponding to the plurality of selectable payment methods available to the user / payee to receive payment; wirelessly accept a mobile payment order from the mobile device of the user / payee containing information relevant to the selected payment method; in response to the mobile payment order, extract information from the MFTS database corresponding to the selected payment method identified in the payment order; form the MFTS payment order to the recipient of the payment order, the MFTS payment order includes at least the amount, information corresponding to the identified payee, and information indicating the selected payment method; and transmit the MFTS payment order to the recipient of the payment order, therefore, the recipient of the payment order, in response to receiving the payment order MFTS, makes a payment to the user / recipient of the payment using the selected payment method, and the user / recipient of the payment maintains relations with the financial services provider, and the choice of payment method contains the choice of account a financial service provider to receive payment, the step of providing information relevant to the payment received to the user's / recipient’s mobile device a, consists in delivering a message to a mobile device, the message being a text message, the step of providing information corresponding to the payment received to the mobile device of the user / payee, is to deliver information for display via the Mobile application wallet, the method further comprising preparing a downloadable Mobile Wallet application for use on a user's mobile device / receive a payer, wherein the user / payee receives a message from the MFTS indicating receipt of the payment, downloads the Mobile Wallet application to the user's / payee’s mobile device, and then uses the Mobile Wallet application to receive payment, the Mobile Wallet application providing for display on the mobile device selectable commands, including Select Payment Methods commands, wherein the selected payment methods include one or more of the payment method ACH, cn It consists of a paper check and a method with a card with a set limit of funds, and the default payment method is stored as information about the user / payee, while the mobile device displays an invitation to the user / payee to use the default payment method or choose another payment method, and in the absence of a choice of another available payment method by the user / payee, the default payment method is used to make the payment. 64. A system for facilitating financial payment by using a mobile device connected to exchange information with a wireless network, comprising: mobile financial transaction system (MFTS), connected, for wireless information exchange, with one or more mobile devices, including the mobile device of the user / payee to whom the payment is intended, MFTS is connected, for electronic information exchange, with the recipient of the payment order, which makes a financial payment in various ways; Mobile Financial Transaction System (MFTS) database for storing user / payee information; and MFTS software containing a computer control program for performing computer-implemented steps: delivery of information to the mobile device of the user / payee corresponding to the payment received; delivery of information to the mobile device of the user / payee corresponding to the plurality of selectable payment methods available to the user / payee to receive payment; wirelessly receiving a mobile payment order from the mobile device of the user / payee containing information corresponding to the selected payment method; in response to a mobile payment order, retrieving information from the MFTS database corresponding to the selected payment method identified in the payment order; generating an MFTS payment order to the recipient of the payment order, the MFTS payment order includes at least the amount, information corresponding to the identified payee, and information indicating the selected payment method; and transferring the MFTS payment order to the recipient of the payment order, therefore, the recipient of the payment order, in response to receiving the payment order MFTS, makes a payment to the user / recipient of the payment using the selected payment method, and the user / recipient of the payment maintains relations with the financial services provider, and the choice of payment method contains the choice of account a financial service provider for receiving a payment, the operation of delivering information corresponding to the payment received to the mobile device of the user / payee contains delivering a message to a mobile device, the message being a text message, the operation of delivering information corresponding to the payment received to the mobile device of the user / payee, contains the delivery of information for display by the Mobile Wallet application, the system further comprising a server that delivers the Mobile Wallet application for use on the mobile device of the user / payee, the user / payee being accepted There is a message from the MFTS indicating the receipt of payment, downloads the Mobile Wallet application to the user's / payee’s mobile device, and then uses the Mobile Wallet application to receive payment, and the Mobile Wallet application provides for displaying the selected commands on the mobile device, including the command Select Payment methods, the selected payment methods including one or more of the ACH payment method, the paper check method and the card with a fixed credit limit besides, the default payment method is stored as information about the user / payee, while the mobile device displays an invitation to the user / payee to use the default payment method or choose a different payment method, and if there is no other payment method available by the user / payee, the default payment method is used to make the payment.