A scratch-off lottery ticket game system and method include lottery tickets contain a first set of play characters and instructions for receiving a second set of predetermined play characters assigned to the lottery ticket via a mobile smart device. At time of purchase of the lottery ticket, the system activates the ticket in a computer file at a central server. Upon receiving a request from the player that identifies the lottery ticket, the server verifies the activated status of the lottery ticket and downloads the second set of predetermined play characters to the mobile smart device. The player removes the scratch-off coating from the first set of play characters on the lottery ticket and compares them second set of play characters to reveal a predetermined outcome of the lottery ticket.