Patent ID: 9317995
Filing Date: 2016-04-19
CPC Classification: G06Q,G07F

Claim Text:
1. A method, comprising: using a terminal, reading a value-applied transaction instrument, wherein the value-applied transaction instrument is associated with a balance in a financial account that is not initially established through direct funding from an individual, and wherein the value-applied transaction instrument has been previously converted from a transaction instrument that initially has no cash value and cannot be used for debit, credit or stored value purchases until converted to the value-applied transaction instrument; receiving, from a user, a transaction request using the value applied transaction instrument; and causing at least one processor to execute a plurality of instructions stored in at least one memory device to determine whether the transaction request is a lottery transaction request or non-lottery transaction request. if the transaction request is a lottery transaction request, causing the at least one processor to execute instructions stored in at least one memory device to query a lottery system host via a lottery network regarding at least one of a value, game or reward involved in the transaction request; and if the transaction request is a non-lottery transaction request, causing the at least one processor to execute instructions stored in at least one memory device to route the transaction request on a non-lottery network to authorize the transaction request.