2. One or more non-transitory computer-readable media storing computer-executable instructions that, when executed on one or more processors, perform acts comprising: determining common characteristics of one or more phrases related to information known about a user, the phrases comprising one or more grammatically-correct words; determining words that compose the one or more phrases that share the common characteristic; determining phrases that are associated with at least one of the determined words; providing at least a portion of the determined phrases for selection by a user; and responsive to receiving a selection of a phrase by the user, associating the selected phrase with a payment instrument of the user.
2. One or more non-transitory computer-readable media storing computer-executable instructions that, when executed on one or more processors, perform acts comprising: determining common characteristics of one or more phrases related to information known about a user, the phrases comprising one or more grammatically-correct words; determining words that compose the one or more phrases that share the common characteristic; determining phrases that are associated with at least one of the determined words; providing at least a portion of the determined phrases for selection by a user; and responsive to receiving a selection of a phrase by the user, associating the selected phrase with a payment instrument of the user. 4. One or more non-transitory computer-readable media as recited in claim 2 , wherein the payment instrument is a credit card number.