21. One or more non-transitory computer-readable media storing computer-executable instructions that, when executed on one or more processors, perform acts comprising: parsing a source to determine phrases comprising two or more contiguous words within the source; storing the determined phrases, the words of the stored phrases being different parts of speech; and associating at least one of the determined phrases comprising two or more contiguous words with a payment instrument, the at least one of the determined phrases, when received before or during a transaction, providing access to the payment instrument for use in a transaction.
23. One or more non-transitory computer-readable media as recited in claim 21 , wherein the parsing further comprises: parsing the source to determine if the source includes a statistically improbable phrase; and if the source includes a statistically improbable phrase, storing the statistically improbable phrase for association with a user account.