Patent ID: 9569770
Date: 2017-02-14
CPC Classifications: G06Q

Claim:
1. A method implemented at least in part by one or more computing devices, the method comprising: creating, by the one or more computing devices, multiple templates where individual ones of the multiple templates specify two or more placeholders; for individual ones of the multiple templates, associating, by the one or more computing devices, a first word with the first placeholder and a second word with the second placeholder to create a phrase; aggregating, by the one or more computing devices, the phrase of individual ones of the multiple templates to create a corpus of phrases; accessing, by the one or more computing devices, previously collected information associated with a user, wherein the previously collected information includes at least one of a name of the user, one or more addresses of the user, one or more phrases that have previously been associated with the user, a purchase history of the user, items previously recommended for the user, or lists associated with the user; outputting, by the one or more computing devices, based at least in part on the previously collected information at least one personalized phrase of the corpus of phrases for presentation to the user; receiving, by the one or more computing devices, a selection from the user of at least one personalized phrase of the corpus of phrases; associating, by the one or more computing devices, the at least one personalized phrase of the corpus of phrases with a payment instrument of the user; receiving, by the one or more computing devices, a request to execute a payment transaction, the request including the at least one personalized phrase; identifying, by the one or more computing devices, the payment instrument of the user based on the at least one personalized phrase included in the request; and completing, by the one or more computing devices, the payment transaction based on the at least one personalized phrase.