With the acceleration of global aging, the population aged 60 and above in China has exceeded 280 million, and the contradiction between the digital skills demands of the elderly and the supply of static and universal educational resources has become prominent. This article conducts an in-depth study on the “on-demand creation” model of elderly education resource services driven by generative AI. This study proposes an “on-demand creation” service paradigm based on generative AI, providing suitable resources for elderly intelligent life skills training through demand perception, content generation, and dynamic optimization mechanisms. From the perspective of technological philosophy and service science, deconstruct the core element logic of the paradigm to demonstrate its dual value in reconstructing the theoretical framework of elderly education and promoting practical transformation. This research indicates that this paradigm provides systematic theoretical support for the innovation of elderly education services through a balance between technological empowerment and humanistic care, helping the elderly master modern information technology and life skills, enhancing their self-care ability and social participation, and better adapting to life in the digital age.