{HEAD ~ The method} 12, wherein {TAIL ~ the one or more predetermined merchants} are defined by a merchant category code 
wherein
{ HEAD ~ The method } 12 , wherein { TAIL ~ the one or more predetermined merchants } are defined by a merchant category code
HEAD HEAD HEAD HEAD HEAD HEAD OTH OTH REL TAIL TAIL TAIL TAIL TAIL TAIL TAIL TAIL TAIL TAIL OTH OTH OTH OTH OTH OTH OTH