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