19. One or more non-transitory computer-readable media storing computer-executable instructions that, when executed on one or more processors, perform acts comprising: determining that a phrase is associated with information known about a user; determining words that compose the phrase; analyzing an index with use of the determined words to determine one or more other phrases related to the determined words; providing at least a portion of the determined one or more other phrases for selection by the user; Receiving a selection of a phrase; and associating the selected phrase with a payment instrument associated with an account related to the user.
19. One or more non-transitory computer-readable media storing computer-executable instructions that, when executed on one or more processors, perform acts comprising: determining that a phrase is associated with information known about a user; determining words that compose the phrase; analyzing an index with use of the determined words to determine one or more other phrases related to the determined words; providing at least a portion of the determined one or more other phrases for selection by the user; Receiving a selection of a phrase; and associating the selected phrase with a payment instrument associated with an account related to the user. 20. One or more non-transitory computer-readable media as recited in claim 19 , wherein the phrase comprises a statistically improbable phrase, and wherein the determining of the statistically improbable phrase that is associated with the user comprises: determining a keyword that is associated with the user; and determining a statistically improbable phrase that is associated with the keyword.