A self-uploaded indexing and data clustering method and apparatus. In one embodiment, a method of a server device includes processing a merchant-uploaded inventory data to determine a set of meta-data attributes associated with the merchant-uploaded inventory data and creating an index data using the set of meta-data attributes associated with the merchant-uploaded inventory data. The merchant-uploaded inventory data may be compared with a previous inventory data of a particular merchant associated with both the merchant-uploaded inventory data and the previous inventory data to identify at least a portion of the set of meta-data attributes which do not need to be updated. The index data may be created using an incremental algorithm that builds on preexisting indexes which have substantially similar data as the index data and wherein the incremental algorithm builds on preexisting indexes by infusing into preexisting indexes the set of meta-data attributes associated with the merchant-uploaded inventory data other than the portion of the set of meta-data attributes which do not need to be updated.