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