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Payment transfer services and instruments featuring a payment offer, contract, commitment, gift or any monetary payment vehicle that is a physical, virtual or electronic lottery ticket that has a specified, explicit expected value (EV) denominated in dollars and cents or equivalent currency, and that is transacted via the expected value payment method in which the lottery ticket has a specified probability of being worth a payoff, the probability corresponding to the EV, and the result of the ticket, winning or losing, being determined by a random number generation process