MACHINE LEARNING APPROACH TO AUTOMATICALLY DISAMBIGUATE AMBIGUOUS ELECTRONIC TRANSACTION LABELS

A method including establishing, using electronic transactions of a user, a geo-temporal trajectory of the user. The method also includes forming a first data structure by sub-dividing the geo-temporal trajectory into segments including subsets of the electronic transactions along the geo-temporal trajectory. Sub-dividing is performed with respect to a selected feature. The method also includes gathering, for a subset of the segments, a corresponding labeled dataset of transactions within the electronic transactions to generate a second data structure. The method also includes applying, as input, the second data structure to a machine learning classifier. The method also includes receiving, from the machine learning classifier, an assignment of disambiguated labels to the electronic transactions. The method also includes storing, automatically in a financial management application, the disambiguated labels as assigned to the electronic transactions.