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