Method and apparatus for dynamic ad creation

A method of creating a plurality of personalized advertisements each for display to a different one of a plurality of users in real-time using a computer system comprising the steps of:

• providing a plurality of display elements into a real-time selectable database, certain display elements being alternatively selectable, such that selection of one display element by the computer system prohibits selection of another display element;
• providing a plurality of advertising rules for usage with a rules engine associated with the computer system, the advertising rules associating environmental attributes, user state attributes and user personal attributes with different ones of the plurality of display elements, wherein:
• a first advertising rule associates, using the computer system, a first combination of a user state attribute, a user personal attribute, and an environmental attribute to a first plurality of different display elements each intended for inclusion within a first location of a template;
• and
• a second advertising rule associates, using the computer system, a second combination of a user state attribute, a user personal attribute, and an environmental attribute to a second plurality of different display elements each intended for inclusion within a second location of the template that is different from the first location of the template;
• providing the template within the computer system, the template having the first and second locations that are each automatically tillable with one of the first plurality of different display elements and one of the second plurality of different display elements, respectively;
• determining with the computer system, using attribute data associated with the user state attributes of a first of the plurality of users, the user personal attributes of a first of the plurality of users, and the environmental attributes of a first of the plurality of users, the plurality of advertising rules, and the rules engine, which one of the first and second plurality of different display elements to include within the respective first and second locations of the template to create a first personalized advertisement within the computer system for a first of the plurality of users;
• forwarding the first personalized advertisement from the computer system for the display to the first of the plurality of users determining with the computer system, using attribute data associated with the user state attributes of a second of the plurality of users, the user personal attributes of a second of the plurality of users, and the environmental attributes of a second of the plurality of users, the plurality of advertising rules, and the rules engine, which one of the first and second plurality of different display elements to include within the respective first and second locations of the template to create a second personalized advertisement within the computer system for a second of the plurality of users, wherein the second personalized advertisement is different from the first personalized advertisement;
• and
• forwarding the second personalized advertisement from the computer system for the display to the second of the plurality of users.