scratch card 200 which can be scratched to display a credit entry number cen the user enters the cen on his mobile communicator 100 and receives a corresponding credit which may appear on the screen illustrated in fig1 a turning to fig2 b it is seen that a user may purchase monetary or simulated game credits from via the internet at an e commerce site and is given a credit entry number cen the user enters the cen on his mobile communicator 100 and receives a corresponding credit which may appear on the screen illustrated in fig1 a turning to fig2 c it is seen that a user may purchase monetary or simulated game credits within an application embodying the present invention simply by entering the desired credit amount and particulars of a payment card the user receives a corresponding credit which may appear on the screen illustrated in fig1 a turning to fig2 d it is seen that a user may purchase monetary or simulated game credits within an application embodying the present invention via a secure payment system such as paypal u00ae simply by entering the desired credit amount and particulars of a payment card and a password the user receives a corresponding credit which may appear on the screen illustrated in fig1 a reference is now made to fig3 a and 3b which are together a simplified illustration of methodologies for utilizing credits in the system of fig1 a 1d as seen in fig3 a 3b if a bet is won by the user the user may claim his winnings if the bet is a monetary bet.