Method and system for value transfer betwen mobile-phone users

摘要: Embodiments of the present invention are directed to enhancing mobile-phone networks allow users exchange value among themselves through mobile- phone networks. In certain embodiments invention, by exchanging minutes usage purchased from their carrier-service providers. Minutes-based exchanges particularly useful in developing countries, where may not have bank accounts, and overheads associated with traditional financial transactions too great for use traditional-financial-transaction services carry out many relatively low-value which wish engage. The users, as well between commercial enterprises, can facilitate currently existing small-value-exchange markets create whole new types previously impractical due high services.