A computer-based method for use in geotargeting online ads to users of search engines by allowing comparison of user's search terms with a set of geo-keywords. The method includes providing a geographic keyword generator on a server that is linked to the Internet. The method includes providing a spatial database storing classes of geographic keywords. The method continues with receiving a keyword request including a business address from a client node. The keyword generator determines a service area based on this location, and a set of geographic keywords is retrieved from the spatial database that are associated (e.g., within) the determined service area. This set of keywords is transmitted or reported to the client node (e.g., displayed in a web browser or user interface) for use in geotargeting of their online advertisements. The keyword request includes a business type, and the service area is sized based on the business type.