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