additional chances to win a prize however may be earned at a purchase by a user foregoing the points they would have earned on that purchase for a chance to win architecture 150 may be utilized with any card architecture 150 may include processor 120 processor 120 may have on board memory for storing information e g application code any number of components may communicate to processor 120 and or receive communications from processor 120 for example one or more displays e g display 140 may be coupled to processor 120 persons skilled in the art will appreciate that components may be placed between particular components and processor 120 for example a display driver circuit may be coupled between display 140 and processor 120 memory 142 may be coupled to processor 120 memory 142 may include data that is unique to a particular card for example memory 142 may store discretionary data codes associated with buttons of card 150 such codes may be recognized by remote servers to effect particular actions for example one or more codes may be stored on memory 142 that is displayed based on an instant winner algorithm such that a user may redeem such codes for prizes such a code may be communicated for example in a magnetic stripe message rfid message and or exposed chip message e g emv message from a card memory 142 may also store types of actions that a user may select each type of action may be associated with a button or for example a user may scroll through a list of actions on.