The invention provides an interactive mobile advertisement putting system base on user personalization and a return mechanism. According to the system, interaction between a server side and a user terminal is carried out. The server side contains an advertisement submitting module, a registration logging-in verification module, a user information management module, an advertisement task generation module, an advertisement task approving module, a sharing management module, a payment module, and a database. Because of the way of setting an interactive content in an advertisement content, on the one hand, whether the user watches the advertisement content completely and effectively can be verified, the advertisement communication effect is enhanced, and the cheating behavior can be prevented; and on the other hand, the sense of achievement of the user can be satisfied and the user can enjoy watching the advertisement. If the user terminal 120 can be carried conveniently, the user can execute advertisement tasks by using fragmented time at any time and any place like at a subway, on a bus, or at an office.