For computer-based way to find a pattern in the transaction data of the financial transaction card for the purpose of determining the merchants of group membership in the trade data will be explained. Data is related to the merchants that accept a financial transaction card to pay. The method comprises the step of predicting the steps of receiving transaction data from at least one database, the merchant membership in the group by using at least one predictive algorithm and the recovered are transaction data, the algorithm and generating metadata describing the prediction, comprising the steps of inputting into said at least one predicted group membership and the metadata data mining applications, by the data mining application group to be the predicted using the membership and the metadata, comprising the steps of assigning a confidence value to each group membership to be predicted.