Methods and apparatus are provided to categorize and process an incomplete transaction. A transaction pattern table is provided that includes a plurality of records, each record being defined by a transaction pattern identifier. Each record includes a transaction pattern and a metric of occurrence of the transaction pattern. An incomplete transaction is automatically compared to the transaction patterns in the table and a subset of transaction patterns in the table are identified that are potential candidates for matching the incomplete transaction. The incomplete transaction is categorized using the metric of occurrence of the transaction pattern for each transaction pattern in the subset. The incomplete transaction is then processed using the categorization of the incomplete transaction.