19. One or more non-transitory computer-readable media storing computer-executable instructions that, when executed on one or more processors, perform acts comprising: analyzing multiple sources to generate multiple phrases, wherein individual ones of the multiple phrases comprise a string of alphanumeric characters automatically generated using information associated with a user and individual ones of the multiple phrases for association with an aspect of a user account used to execute a payment transaction; causing at least one phrase of the multiple phrases to be suggested to the user; and responsive to receiving a selection of a phrase from the user, associating the selected phrase with the aspect of the user account used to execute a payment transaction.
27. One or more non-transitory computer-readable media as recited in claim 19 , wherein at least one of the generated phrases comprises two or more contiguous words found within one of the sources.