1. A method, comprising: establishing an ad-hoc network between a borrower and at least one lender of bandwidth, wherein the ad hoc network is configured such that the borrower and the at least one lender are in communication with a central location via wireless telephony communication protocol, the at least one lender is in communication with the borrower via local wireless communication protocol, and the at least one lender selectively lends bandwidth to the borrower for downloading data from or uploading data to the central location; and providing compensation instructions to compensate the at least one lender of bandwidth for lending the bandwidth to the borrower, wherein the providing the compensation instructions comprises providing payment transfer strategies comprising billing one of the borrower, a service provider of the borrower, and a borrower's credit card company or service for bandwidth sharing in the ad-hoc network.