Jin Ok Choi bought the wine and the lucky quick-pick ticket on July 1 at a Staten Island liquor store.
She said she "was just shocked" as she picked up her check on Wednesday.
She opted to taken a lump sum payout, giving her $40.4 million after taxes.
The Daily News reports that the 54-year-old Choi wouldn't divulge any personal details. But says she wants to "upgrade" her life and buy a condo that is a "little bigger."