{HEAD ~ The financial transaction data}, including {TAIL ~ the instruction codes} and the authenticating data, are then transmitted from the phone to the POS 
including
{ HEAD ~ The financial transaction data } , including { TAIL ~ the instruction codes } and the authenticating data , are then transmitted from the phone to the POS
HEAD HEAD HEAD HEAD HEAD HEAD HEAD HEAD OTH REL TAIL TAIL TAIL TAIL TAIL TAIL TAIL OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH