1. A system for transforming historical data collected in response to one or more triggering events, in order to classify textual values, the system comprising: a computer apparatus including a processor and a memory; and a software module stored in the memory, comprising executable instructions that when executed by the processor cause the processor to: access a plurality of textual values from historical transaction data; remove undesired characters from the plurality of textual values; implement a clustering algorithm to the plurality of textual values to identify one or more distinct patterns within the plurality of textual values, wherein the clustering algorithm comprises: a primary process for coding the plurality of textual values into one or more phonetic components, thereby reducing the plurality of textual values into a combination of consonant sounds, wherein identifying the one or more distinct patterns within the plurality of textual values comprises comparing pronunciations and phonetics of the plurality of textual values; and a secondary process for identifying and classifying, based on an Internet search, one or more of the plurality of textual values unable to be classified by the primary process; create one or more clusters by grouping the plurality of textual values based, respectively, on the one or more distinct patterns output by the primary process and the Internet search of the secondary process; apply a similarity gauge to the textual values of each of the clusters to determine similarity or dissimilarity among the textual values of each cluster; filter the textual values of each cluster to determine which textual values belong in each cluster and which textual values do not belong in each cluster, wherein the textual values that belong are cluster values; pass the cluster values for each cluster to a reference table; store the cluster values for each cluster in the reference table for future access; and in response to a need for classification of a future set of textual values, access the reference table and lookup the future set of textual values in the reference table to determine whether any of the future set of textual values are cluster values.