Patent Document ID: 8706643
Application ID: 12352970

Base Claim:
1. One or more non-transitory computer-readable media storing computer-executable instructions that, when executed on one or more processors, perform acts comprising: analyzing multiple corpuses of text to generate a first corpus of phrases, wherein individual phrases comprise at least two grammatically-correct words automatically generated based at least in part on information associated with a user; filtering the first corpus of phrases to define a second corpus of phrases comprising fewer phrases than the first corpus of phrases; suggesting, to the user, phrases of the second corpus of phrases; receiving a selection of a phrase of the suggested phrases from the user; associating the selected phrase with the user and with one or more of a payment instrument associated with the user, a location associated with the user, or a delivery method associated with the user; associating one or more rules to the selected phrase; receiving a request to conduct a transaction with use of the selected phrase; approving the requested transaction if the associated rules allow for the requested transaction with use of the phrase; and declining the requested transaction if the associated rules do not allow for the requested transaction with use of the phrase.

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Claim 2:
2. One or more non-transitory computer-readable media as recited in claim 1 , wherein the first corpus of phrases includes statistically improbable phrases from the multiple corpuses of text, phrases that comprise two or more contiguous words from the multiple corpuses of text, and phrases constructed from part-of-speech templates and words from the multiple corpuses of text.