Abstract: A system for detecting a recurring transaction in a history of financial transactions is disclosed. The system receives financial transaction data between a user and a merchant, and organizes the data into a matrix for analysis. The rows of the matrix are time periods, each having a plurality of time units, and the transactions are located in the matrix on the dates on which they occurred. Multiple subroutines are then performed on the transaction matrix. The subroutines include determining nearest transactions to a given column, calculating a distance from the nearest transactions to the column, and comparing the values of the nearest transactions, among others. Based on the results of the various subroutines, a score is calculated that defines a relative likelihood that the given column of the matrix includes a recurring transaction.