Abstract: The present invention discloses systems and methods for interactive on-line advertising using auction prizes awarded based on user engagement as determined by ad-survey submission, methods including the steps of: providing an ad survey having an advertisement and a survey for viewing and submission; upon a user submitting a completed ad survey, presenting the user with an incentive to be pledged, by the user, to an ad-survey auction; and awarding an auction prize to a wining user based on a maximum amount of pledged incentive in the ad-survey auction by the winning user. Preferably, the method further includes the step of: constructing a user profile having at least one user characteristic for users of the ad survey. Most preferably, at least one user characteristic is selected from the group consisting of: a user surfing pattern, publicly-available user data, private user data, a user interest, and an ad-survey interest.