9. One or more non-transitory computer-readable media as recited in claim 4 wherein the corpus of phrases includes phrases comprising two or more contiguous words within at least one of the multiple corpuses of text.
4. One or more non-transitory computer-readable media storing computer-executable instructions for a transaction that, when executed on one or more processors, perform acts comprising: analyzing multiple corpuses of text to generate a corpus of phrases, at least one of the phrases comprising at least two grammatically-correct words and being associated with an aspect of a user account; determining one or more phrases of the corpus of phrases to suggest to individual ones of multiple users, wherein individual ones of the multiple users have a user account and wherein the one or more phrases are automatically generated with information inputted by at least one of the multiple users; receiving, from a set of the multiple users, a selection of a suggested phrase; and associating, for individual users in the set of the multiple users, the selected phrase with at least one of a payment instrument for executing a transaction or an identity of one of the multiple users.