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