An online game of chance that produces a multi-player extension to an individual, instant lottery-type game and a method of playing the game are disclosed. The game comprises a first, individual phase of play using a virtual game substrate and a second, group phase of play comprising a plurality of virtual game substrates from first phase of play that are arrayed in a matrix. The first, individual phase of play is based on in instant lottery version of the well-known game of tic-tac-toe; the object being to match a plurality of game pieces, e.g., three, in one of a contiguous row, column, and diagonal. The object of the second phase of play is to use the combination of virtual game substrates to produce a match with one or more predetermined winning array combinations. This provides each individual participant with a second chance of winning. With the second phase of play, the combination of virtual game substrates is also movable, which produces even more opportunities for participants to win a prize.