A method for web browser-based distribution of targeted advertising messages is provided. An advertising party registers with a distributor of targeted advertising messages. An advertising campaign for goods targeting user demographic categories chosen by the advertising party is created, with advertising messages being customized for each category and the advertising messages being stored on a web server of the distributor. The advertising party pays the distributor for the advertising campaign. A user registers with the distributor for receiving advertising messages through a web browser and the user providing user demographic data and value account information at registration. The web browser home page of the user is configured with a user-specific URL corresponding to a set of targeted advertising messages according to the user demographic data. The user opens the browser and views the home page containing a target advertising message of the set of targeted advertising messages according to the user demographic category and the distributor credits the user value account upon the user viewing the advertising message.