Abstract: A system, method, and apparatus for downloading advertisements, storing advertisements on a storage device, selecting advertisements for presentation, and presenting selected advertisements. In some embodiments of the invention, advertisements may be dynamically associated and presented in coordination with content according to predefined parameters, stored information, and other criteria. Advertisement credits may be allocated in exchange for advertisement consumption. Advertisements and other information may be exchanged with remote servers. Other embodiments are described and claimed.

Abstract: According to embodiments of the present invention, a user's local storage system may be used to create a virtual personal mall comprising one or more virtual personal stores and configured for purchasing products by one or several providers. The virtual personal store and/or virtual personal mall may be organized in virtual shelves. Each virtual shelf may contain a group of products with one or more common properties, for example, books by a certain author and/or published by a certain publisher, and/or supplied by the same virtual personal store provider, etc. The groups may be defined by the virtual personal store provider and/or by the user and/or by a group of users.