1) It's impossible to understand the gibberish written here. It literally makes no sense whatsoever.
2) It appears you're asking for a specific legal opinion of your scheme, which we cannot provide on Avvo.com.
3) If you're serious about doing this, you need to consult a gaming attorney. The mere fact that you're using words like "scratch off" and "redeemable" makes it highly likely that you're running afoul of the law. Regardless of what you think you may know about gaming law, it is infinitely more complex than it appears at first, and you need to have professional advice on this.
I focus my practice on (video) gaming industry, casino gambling, and complex internet law issues, electronic free speech, entertainment law, copyright and trademark law, and computer fraud. I primarily represent game developers and founders of emergent internet technologies. The author is a Maryland attorney; however no answer given on Avvo is intended as legal advice or intended to create an attorney-client relationship.