Patent Document ID: 8706643
Application ID: 12352970
Patent Status: 1

Claim One:
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.