A method of conducting business with a telephone subscriber, the method including the steps of forming a subscriber account containing value corresponding to telephone minutes. Value is added to the subscriber account by the presentation of funds in the form of currency value; acceptance of the presented funds; conversion of the currency value of the presented funds to corresponding value in telephone minutes; and depositing the corresponding value in telephone minutes into the telephone subscriber account. Services are provided to the subscriber, and telephone minutes are correspondingly debited from the subscriber account in response to the furnishing of services or products to the subscriber. Air time minutes are added (or credited) to the mobile telephone account of a mobile telephone subscriber with a predetermined telecommunicates carrier, which could be the administrator of a kiosk.