Patent Publication Number: US-2022222749-A1

Title: Systems and methods for monetizing home equity

Description:
TECHNICAL FIELD 
     Embodiments of the present disclosure relate to monetizing home equity and rewarding homeownership. 
     BACKGROUND 
     The equity value of a home can be used to take out a home equity line of credit (HELOC) or a second mortgage. In many instances, a HELOC or a second mortgage is sufficient for one or more goals of the homeowner (e.g., investing, home projects, etc.). That being said, simply acquiring or receiving a cash injection in the form of a HELOC or second mortgage simply patches or puts a band-aide over potential financial issues of the homeowner (assuming one or more financial issues or problems exist). Accordingly, better options for utilizing one&#39;s home equity are desired. 
     SUMMARY 
     A first example embodiment relates to an apparatus. The apparatus includes a biometric scanner and a processing circuit. The biometric scanner is configured to collect biometric data associated with a user. The processing circuit is communicably coupled to the biometric scanner. The processing circuit is configured to receive information regarding an equity value of a property of the user and receive one or more preferences of the user. The processing circuit is further configured to select one or more investment opportunities based on the equity value and the user preferences. The processing circuit is configured to provide the selected investment opportunities to the user, receive an indication of an approval of one or more investment opportunities, and confirm the identity of the user with the biometric data to facilitate participation in the approved one or more investment opportunities. 
     Another example embodiment relates to a method. The method includes receiving, by a mobile investment circuit, financial information comprising an equity value of a property of the user and receiving one or more preferences of the user. The method further includes selecting, by the mobile investment circuit, one or more investment opportunities based on the equity value and the user preferences. The method further includes providing, by the mobile investment circuit, the selected investment opportunities to the user. The method includes receiving, by the mobile investment circuit, an indication of approval of one or more investment opportunities, confirming, by the mobile investment circuit, the identity of the user with biometric data associated with a user gathered by a biometric scanner, and facilitating, by the mobile investment circuit, participation in the accepted investment opportunities in response to confirming the identity of the user. 
     Another example embodiment relates to a system. The system includes a biometric scanner and a processing circuit. The processing circuit is communicably coupled to the biometric scanner. The processing circuit is configure to receive information regarding an equity value of a property of the user and receive one or more preferences of the user. The processing circuit is further configured to select one or more investment opportunities based on the equity value and the user preferences. The investment opportunities are selected by the processing circuit by selecting a loan as the investment in response to a determination that the equity value is above a predefined threshold and selecting a bond as the investment in response to a determination that the equity value is below the predefined threshold. The processing circuit is further configured to provide the selected investment opportunities to the user via a user interface, receive an indication of approval of one or more investment opportunities, and confirm the identity of the user with the biometric data to facilitate participation in the one or more approved investment opportunities. 
     These and other features, together with the organization and manner of operation thereof, will become apparent from the following detailed description when taken in conjunction with the accompanying drawings. 
    
    
     
       BRIEF DESCRIPTION OF THE FIGURES 
         FIG. 1  is a diagram of a computing system, according to an example embodiment. 
         FIG. 2  is a diagram of the mobile device of  FIG. 1 , according to an example embodiment. 
         FIG. 3  is a diagram of the mobile investment circuit of  FIG. 1 , according to an example embodiment. 
         FIG. 4  is a flow diagram of monetizing home equity using the mobile investment circuit of  FIG. 1 , according to an example embodiment. 
         FIG. 5  is a flow diagram of a method of confirming the identity of the homeowner of  FIG. 1 , according to an example embodiment. 
         FIG. 6  is a diagram of an investment agreement generated by the mobile device of  FIGS. 1 and 2 , according to an example embodiment. 
     
    
    
     DETAILED DESCRIPTION 
     Referring to the Figures generally, systems, methods, and apparatuses for monetizing home equity and providing rewards to a homeowner are provided according to various embodiments herein. According to one embodiment, a financial institution having a financial institution computing system can be configured to monetize home equity for a homeowner via a secure mechanism. The financial institution computing system may identify investment opportunities including, for example, loans, stock purchases, and/or bond purchases, which may be appealing to the homeowner and present the identified investment opportunities to the homeowner. The homeowner may review the investment opportunities on a mobile investment client application provided on a mobile device. The homeowner may then accept certain investment opportunities (i.e., “selected investments”) with an electronic signature via the mobile investment client application. The electronic signature may be a verification key or may utilize a biometric scanner. Beneficially, participation in the selected investments may result in the generation of an income stream for the homeowner. The financial institution can then utilize the income stream to provide rewards to the homeowner. The rewards may include, but are not limited to, paying or facilitating payment of utilities for the homeowner, paying groceries, day-to-day expenses of the homeowner, and/or paying off loans or debt. These and other features and benefits of the present disclosure are described more fully herein below. 
     The systems, methods, and apparatuses described herein may provide secure means for facilitating the monetization of home equity. Various forms of user identification and verification can be employed to prevent the threat of hacking. In some embodiments, the identification and verification may be using a biometric scanner as an electronic signature for a loan agreement and/or other investment authentication. Further, various verification keys can be generated and delivered to a user via email, phone call, and/or text message. A user can use the verification key to securely sign the loan agreement and/or other investment authentication. 
     Referring now to  FIG. 1 , a block diagram of a computing system  100  is shown, according to an example embodiment. As described herein, the computing system  100  may facilitate the participation of a homeowner (e.g., homeowner  101 ) in one or more investment opportunities. As used herein, “investments” refers to stocks, bonds, loans, peer-to-peer loans, and/or any other action or process of investing money. In this regard and as used herein, “investment opportunities” refers to opportunities to enroll or participate in at least one of the aforementioned investments. It should be understood that the aforementioned list is not meant to be exhaustive as the present disclosure contemplates more and other investment opportunities, which are all intended to fall within the spirit and scope of the present disclosure. As described herein below, computing system  100  can facilitate the investment opportunities in a secure manner. In various embodiments, biometric scanners and verification keys can be utilized by various components, systems, and devices of system  100  to securely facilitate the investment opportunities by authenticating and confirming the identity of users before enabling participation in the selected investment opportunities. 
     Referring more particularly to  FIG. 1 , the computing system  100  is shown to include one or more user device(s)  110  associated with a homeowner  101 , one or more financial institution(s)  130  having an associated financial institution computing system  131 , one or more third party entities  160  associated with a third party entity computer system  161 , one or more loan networks  170  associated with a loan network computer system  171 , and one or more investors  181  associated with an investor computer system  181 . In some embodiments, investors  181  and loan network  170  and their respective computing systems can be a single entity and can be referred to collectively as “investors,” as used herein. In other embodiments, like shown, the investors  181  and loan network  170  may be separate entities with their own respective computing systems. 
     The components of  FIG. 1  may be communicably and operatively coupled to each other over a network  102 . The network  102  may be any type of network or combination of networks. For example, the network  102  may be a wireless network interface (e.g., 802.11X, ZigBee, Bluetooth, Internet, etc.), a wired network interface (e.g., Ethernet), or any combination thereof. In various embodiments, the network  102  includes a proprietary banking network to provide secure or substantially secure communications which reduce the threat of hacking. The network  102  may be structured to permit the exchange of data, values, instructions, messages, and the like between and among the user device  110 , the financial institution computing system  131 , the third party entity computer system  161 , the loan network computer system  171 , and the investor computer system  181 . More than one financial institution  130  with an associated financial institution computing system  131  may be communicably coupled to the components of  FIG. 1  over the network  102  to include accounts held by the homeowner  101  with two or more financial institutions. 
     As shown, the financial institution  130  includes a financial institution computing system  131 . The financial institution computing system  131  includes a processor  132 , a memory device  134 , a network interface  136 , a homeowner information database  138 , and a mobile investment circuit  140 . The processor  132  may be implemented as a general-purpose processor, an application specific integrated circuit (ASIC), one or more field programmable gate arrays (FPGAs), a digital signal processor (DSP), a group of processing components (e.g., a server arrangement), or other suitable electronic processing components. The one or more memory devices  134  (e.g., RAM, ROM, NVRAM, Flash Memory, hard disk storage, etc.) may store data and/or computer code for facilitating at least some of the various processes described herein. In this regard, the memory device  134  may store programming logic that, when executed by the processor  132 , performs at least some operations of the financial institution computing system  131 . 
     The network interface  136  facilitates the sending and receiving of data over the network  102  (e.g., to and from the user device  110 , the third party entity computer system  161 , the loan network computer system  171 , the investor computer system  181 , etc.). Network interface  136  can send instructions and commands to loan network computer system  170  and/or investor computer system  181 , which facilitate the participation in various investment opportunities. In some embodiments, network interface  136  can be configured to send a verification code to one or more devices (e.g., mobile device  120 ) in the system  100  via a message. The message may be a phone call, send a text message, and/or send an email which includes the verification key. In various embodiments, a loan agreement can be electronically signed on a mobile device  120  (e.g., mobile device  120 ) via the verification code. 
     In some embodiments, network interface  136  can receive data relating to homeowner  101  from mobile device  120  and store the data in homeowner information database  138 . Homeowner information database  138  can store homeowner information and account information relating to accounts held with the financial institution  130  of the homeowner  101 . The homeowner information database  138  may communicate homeowner information to various components of financial institution computing system  131  (e.g. mobile investment circuit  140 ). In some embodiments, the homeowner information database  138  may be a non-volatile storage medium such as ROM, flash memory (e.g., flash memory such as NAND, 3D NAND, NOR, 3D NOR, etc.), EEPROM, MRAM, magnetic storage, hard discs, optical discs, etc. In another embodiment, the homeowner information database  138  may be a volatile storage medium such as RAM, TRAM, ZRAM, etc. 
     As shown in  FIG. 1 , the financial institution computing system  131  includes a mobile investment circuit  140 . The mobile investment circuit  140  may be configured to retrieve homeowner information from the homeowner information database  138 . The information may include at least one of the equity value of a home of homeowner  101 , information regarding the mortgage payments of homeowner  101 , the investment risk the homeowner  101  is willing to engage in, an address of the property subject to the loan, terms of the loan, social security and other personal information regarding the homeowner, title insurance information, rewards preferences, spending history, account balances, etc. The mobile investment circuit  140  may identify investment opportunities for homeowner  101  by communicating with various entities offering investment opportunities. Upon approval by the homeowner  101  to engage in various selected investment opportunities, the mobile investment circuit  140  may facilitate the enrollment with the selected investment opportunities with the various entities by using the equity value of the home associated with homeowner  101 . The mobile investment circuit  140  may generate income based on participation in the selected investment opportunities based on the equity of the home of homeowner  101 . 
     Mobile investment circuit  140  is shown to include an investment module  142  and a rewards module  150 . Mobile investment circuit  140  can use investment module  142  to select the investment opportunities applicable for homeowner  101  and facilitate participation in the selected investment opportunities. Mobile investment circuit  140  can use rewards module  150  to provide rewards to homeowner  101 . While only two modules are depicted, it should be understood that more or fewer modules may be utilized by mobile investment circuit  140  in other embodiments without departing from the spirit and scope of the present disclosure. The structure and activities of the investment module  142  and rewards module  150  are explained in more detail herein with respect to  FIG. 3 . 
     Mobile investment circuit  140  may match the homeowner  101  with investment opportunities offered by loan network  170  and/or investor computer system  181 . The factors used by mobile investment circuit  140  to match homeowner  101  with investment opportunities may include, but are not limited to, the equity value associated with the home of homeowner  101 , the expected return of the investment, and the investment risk that the homeowner  101  and the financial institution  130  are willing to engage in, etc. In some embodiments, the loan network  170  and/or financial institution  130  may match the homeowner  101  with secured or unsecured loans that are being requested by individuals referred to as “loan requestors” herein. In various embodiments, mobile investment circuit  140  can match homeowner  101  with stocks or bonds offered by investors  181 . 
     In some embodiments, mobile investment circuit  140  can cause the investor  180  and/or loan network  170  to make investments based on directions, instructions, commands, messages, and the like. The mobile investment circuit  140  may ask, request, or otherwise instruct the investor computer system  181  to perform a plurality of investment activities with the equity value associated with the home of the homeowner  101 . The investment opportunities may include, but are not limited, to stocks, bonds, loans, peer-to-peer loans, and/or any other action or process of investing money. The appropriate combination and amount of investments may be determined by the investment module  142  of the financial institution computing system  131 . 
     The computing system  100  may also include one or more third party entities  160 . Third party entity  160  may be an individual, a group of individuals, a loan officer, and/or any other entity providing or overseeing a loan opportunity and/or other investment opportunity to homeowner  101 . The third party entity computer system  161  may be one or a plurality of computer systems. The computer systems may include, but are not limited to, a desktop computer, a smartphone, a laptop, and a tablet. The third party entity computer system  161  is connected via the network  102  to the mobile investment client application  122  and the financial institution computing system  131 . Upon approval by the homeowner  101  on the mobile investment client application  122  of a selected investment opportunity offered by third party entity  160 , the third party entity  160  may receive a notification on the third party entity computer system  161  and may be prompted to approve or reject the selected investment opportunity. 
     As shown, computing system  100  includes homeowner  101 . Homeowner  101  may include individuals, business representatives, large and small business owners, and any other entity who owns a home. In some configurations, the homeowner  101  may have a financial account at one or more of the financial institution(s)  130  of the system  100 . Homeowner  101  is associated with user device  110 . User device  110  may be generally described as a mobile device  120 . The mobile device  120  may include any wearable device. Wearable devices refer to any type of device that a user wears including, but not limited to, a watch (e.g., a smart watch), smart glasses (e.g., smart eye glasses, smart sun glasses, etc.), bracelet (e.g., a smart bracelet), etc. Mobile device(s)  120  may also include any type of mobile device of a homeowner  101  including, but not limited to, a phone (e.g., a smartphone, etc.) and a computing device (e.g., a tablet computer, a laptop computer, a person digital assistant, etc.). Accordingly, the user device  110  may include a display device (e.g., a screen) and one or more input/output devices (e.g., a touch screen, microphone, speaker, keyboard, etc.). 
     In this example, the user device  110  includes a mobile investment client application  122 . The mobile investment client application  122  may be a server-based application executable on the user device  110 . In this regard, a user may have to first download the application prior to its usage. In another embodiment, the mobile investment client application  122  may be hard coded into the memory of the user device  110 . In still another embodiment, the mobile investment client application  122  may be a web-based interface application. In this configuration, the user may have to log onto or access the web-based interface before usage of the applications. In this regard, the mobile investment client application  122  may be supported by a separate computing system comprising one or more servers, processors, network interface modules, etc. that transmit the application for use to the user device  110 . In certain embodiments, the mobile investment client application  122  may include an application programming interface (API) and/or a software development kit (SDK) that facilitate the integration of other applications with the mobile investment client application  122 . All such variations and combinations are intended to fall within the spirit and scope of the present disclosure. 
     The mobile investment client application  122  may be communicably coupled to the financial institution computing system  131  and/or the homeowner information database  138  via the network  102  and may be structured to permit management of the accounts of the homeowner  101  via the mobile investment client application  122 . In this regard, the mobile investment client application  122  may provide displays indicative of current account balances, pending transactions, profile information (e.g., contact information), applicable loans, applicable investments, mortgage information and the like. Further, in some embodiments, the mobile investment client application  122  may also permit payments from the homeowner  101  to a designated recipient and/or payments from the designated recipient to the homeowner  101 . For example, the mobile investment client application  122  may depict a loan of a user (e.g., mortgage) and allow the user to pay the mortgage from one of their accounts (e.g., checking or savings). Further, in some embodiments, the mobile investment client application  122  may provide the user with an investment opportunity from loan network  170  and/or investors  181 . The mobile investment client application  122  may prompt the user to either accept or reject an investment. 
     In some embodiments, mobile investment client application  122  can perform some and/or all of the functions of mobile investment circuit  140  and/or financial institution computing system  131 . To perform the functions of mobile investment circuit  140 , mobile investment client application  122  can communicate with financial institution computing system  131  via network  102  to retrieve any information that mobile investment circuit  140  would otherwise retrieve from financial institution computing system  131 . Further, mobile investment client application  122  can send any commands, messages, and the like to financial institution computing system  131  to perform the functions of mobile investment circuit  140 . 
     Referring now to  FIG. 2 , the function and structure of the mobile device  120  with the mobile investment client application  122  is shown in greater detail according to an example embodiment. In the example depicted, the mobile device  120  includes a processing circuit  201  having a processor  209 , a memory device  202 , a touch screen display  205 , a global positioning system  206 , a network interface  207 , a biometric scanner  208  and an operating system  210 . While various circuits, interfaces, and logic with particular functionality are shown, it should be understood that the mobile device  120  may include any number of circuits, interfaces, and logic for completing the functions described herein. For example, the activities of multiple circuits may be combined as a single circuit, as additional circuits with additional functionality may be included, etc. 
     The processor  209  may be implemented as a general-purpose processor, an application specific integrated circuit (ASIC), one or more field programmable gate arrays (FPGAs), a digital signal processor (DSP), a group of processing components, or other suitable electronic processing components. The one or more memory devices  202  (e.g., RAM, NVRAM, ROM, Flash Memory, hard disk storage, etc.) may store data and/or computer code for facilitating the various processes described herein. Moreover, the one or more memory devices  202  may be or include tangible, non-transient volatile memory or non-volatile memory. Accordingly, the one or more memory devices  202  may store database components, object code components, script components, or any other type of information structure for supporting the various activities and information structures described herein. 
     The input/output logic  203  may be structured to receive and provide communication(s) to homeowner  101  of the mobile device  120  (or, to another entity such as the financial institution computing system  131 ). In this regard, the input/output logic  203  may be structured to exchange data, perform communications, exchange instructions, etc. with an input/output component of the mobile device  120 . Accordingly, in one embodiment, the input/output logic  203  may include an input/output device such as a touch screen display (e.g., touch screen display  205 ), a keyboard, a speaker, and a microphone. In another embodiment, the input/output logic  203  may include communication circuitry for facilitating the exchange of data, values, messages, and the like between an input/output device and the components of the user device  110 . In yet another embodiment, the input/output logic  203  may include machine-readable media for facilitating the exchange of information between the input/output device and the components of the user device  110 . In still another embodiment, the input/output logic  203  may include any combination of hardware components (e.g., a touchscreen), communication circuitry, and machine-readable media. 
     Storage medium  204  is configured to store the mobile investment client application  122  and the operating system  210 . In various embodiments, storage medium  204  is a non-transitory storage medium communicating with memory  202  to execute the various functions and processes stored in storage medium  204  on processor  209 . In this regard, storage medium  204  may be a hard disk that can load programs and other information into memory  202  for processing. In some embodiments, processing circuit  201  may command storage medium  204  to load at least one of mobile investment client application  122  and operating system  210  into memory device  202 . In some embodiments, processing circuit  201  may command storage medium  204  to store data which it calculates or receives (e.g. receives from touch screen display  205 , network interface  30 , global positioning system  206 , etc.). In some embodiments, storage medium  204  includes non-transient volatile storage media, non-volatile storage media, non-transitory storage media (e.g., one or more volatile and/or non-volatile memories), etc. In some embodiments, the non-volatile media may take the form of ROM, flash memory (e.g., flash memory such as NAND, 3D NAND, NOR, 3D NOR, etc.), EEPROM, MRAM, magnetic storage, hard discs, optical discs, etc. In other embodiments, the volatile storage media may take the form of RAM, TRAM, ZRAM, etc. Combinations of the above are also included within the scope of machine-readable media which storage medium  204  may include. 
     Touch screen display  205  may be configured to receive an input from the homeowner  101  and, in response, to display information to the homeowner  101  (e.g. mobile investment client application  122 ). In some embodiments, touch screen display  205  is a resistive touch screen and/or a capacitive touch screen. In some embodiments, touch screen display  205  includes a plurality of layers. Some layers may be used to display output while other layers are configured to receive inputs. In some embodiments, some of the layers are electrically-resistive layers. A touch to one of the layers creates a connection between two of the layers and the touch screen display  205  can identify the location of the touch from based on the voltage applied to one of the layers and the voltage sensed by another of the layers. In some embodiments, one of the layers is coated with a transparent conductor that homeowner  101  can touch. In some embodiments, touching the transparent conductor will result in a change in the electrostatic field of touch screen display  205 . In some embodiments, the change is measureable as a change in capacitance and can be used to identify the location of touch screen display  205  that homeowner  101  has touched. 
     Global positioning system  206  is configured to determine the location of mobile device  120 . In some embodiments, the global positioning system  206  receives a broadcast signal from a plurality of satellites. The global positioning system  206  may receive a pseudorandom code from each of the satellites which global positioning system  206  is preconfigured to store. The global positioning system  206  may be configured to calculate a time of arrival from the pseudorandom code from each of the satellites. The global positioning system  206  may also be configured to receive a message that includes time of transmission from each of the satellites. In some embodiments, the global positioning system  206  uses the time of arrival and the time of transmission from each of the satellites to compute a time of flight. The global positioning system  206  may use the time of flight values to determine a three dimensional position of the global positioning system  206 . Further, global positioning system  206  may communicate the three dimensional position to the processing circuit  201 . Processing circuit  201  may use the three dimensional position and a known map to identify stores, businesses, and other common locations that homeowner  101  visits on a regular basis. The stores, businesses, and/or other common locations that homeowner  101  visits on a regular basis may be communicated to financial institution computing system  131 . 
     The network interface  207  is structured to establish a communication session via the network  102  with at least one of the financial computing system  131 , the third party entity computer system  161 , the loan network computer system  171 , and the investor computer system  181 . Accordingly, the network interface  207  includes any of a cellular transceiver (e.g., CDMA, GSM, LTE, etc.), a wireless network transceiver (e.g., 802.11X, ZigBee, Bluetooth, etc.), or a combination thereof (e.g., both a cellular transceiver and a Bluetooth transceiver). Further, the network interface  207  may include a wired connection (e.g. Ethernet). Further, the network interface  207  may include cryptography capabilities to establish a secure or relatively secure communication session with the at least one financial institution computing system  131  or another device of the user&#39;s choosing (e.g., the third party entity computer system  161 ). In this regard, data may be encrypted to prevent or substantially prevent the threat of hacking. 
     Biometric scanner  208  is structured to receive a human fingerprint and provide the fingerprint to processing circuit  201  for pattern matching recognition between a known human fingerprint and a fingerprint received from biometric scanner  208 . In some embodiments, the biometric scanner  208  is an optical fingerprint scanner. The biometric scanner  208  may be configured to capture a digital image of a fingerprint using visible light. In some embodiments, the biometric scanner  208  is an ultrasonic sensor. The ultrasonic sensor may use high frequency sound waves to determine a visual image of a fingerprint based on the sound waves that are reflected by the dermal skin layer of the finger. In some embodiments, the biometric scanner  208  is at least one of a passive capacitance sensor and an active capacitance sensor. A passive capacitance sensor may create a visual image of a fingerprint based on capacitance variances between ridges and valleys of the finger. An active capacitance sensor may use a charging cycle to apply a voltage to the dermal layer of a finger and then use an electric field between the finger and the sensor to identify the pattern of ridges of the fingerprint. 
     Processing circuit  201  may be configured to perform pattern-matching algorithms to compare an image of an unknown fingerprint determined by biometric scanner  208  to a known fingerprint. The pattern matching algorithm may compare basic fingerprint patters (e.g. arch, whorl, and/or loop) between known fingerprint and the unknown fingerprint. The processing circuit  201  may be configured to graphically compare the known fingerprint and the unknown fingerprint and determine a degree to which they match. If the degree to which the unknown fingerprint and the known fingerprint match passes a threshold the processing circuit  201  may determine that the known fingerprint is the unknown fingerprint. In some embodiments, the threshold is a percentage (e.g. 90% match, 95% match, etc.). The percentage may be any value or range of values that the financial institution  130  defines as acceptable or the developers of mobile device  120  define as acceptable. In various embodiments, a match and/or the degree to which the unknown fingerprint and the known fingerprint match may be sent to financial institution computing system  131 . 
     Operating system  210  is stored on storage medium  204  and may be code run on processing circuit  201 . In some embodiments, the operating system  210  is native to the mobile device  120 . The operating system  210  may be an operating system such as Android and/or iOS. In some embodiments, the operating system is a custom operating system. In some embodiments, the operating system has been approved by financial institution  130 . In some embodiments, the operating system  210  is configured to run mobile investment client application  122 . In some embodiments, mobile investment client application  122  may run independently of operating system  210 . 
     Turning now to the mobile investment client application  122 , the mobile investment client application  122  is structured to communicate with financial institution computing system  131  (i.e., mobile investment circuit  140 , homeowner information database  138 , etc.). In this regard, mobile investment client application  122  can communicate various preferences regarding investment opportunities and rewards to financial institution computing system  131 . For example, the mobile investment client application  122  may allow a user to send reward preferences to financial institution computing system  131  (e.g., homeowner information database  138 ). The preferences indicated by mobile investment client application  122  may include, but are not limited to, payment of a grocery bill, payment of a utility bill, repayment of a mortgage, repayment of a loan, and/or any other reward. Based on communication with mobile investment client application  122 , financial institution computing system  131  may be configured to credit various accounts of homeowner  101  for reimbursement of utility bills and/or grocery bills with the revenue generated by investments of the home equity of homeowner  101  based on the preferences. Also, mobile client application  122  can cause financial institution computing system  131  to automatically make payments for a mortgage and/or loan of homeowner  101  based on the revenue generated by investments and/or the number of mortgage payments made within a predefined amount of time. Mobile client application  122  may be configured to display a notification to homeowner  101  on touch screen display  205  which may include a message confirming that rewards have been received (i.e., credited, reimbursed, etc.), the amount of the rewards, the amount of revenue generated from various investments, and/or any other information. 
     In various embodiments, mobile client application  122  may receive selected investment opportunities from mobile investment circuit  140 . In some embodiments, the selected investment opportunity may be displayed on touch screen display  205  and may allow homeowner  101  to approve one or more of the selected investment opportunity. Responsive to homeowner  101  approving the selected investment opportunity, mobile investment circuit  140  may send a message to mobile investment circuit  140  indicating the homeowner  101  has approved one or more of the selected investment opportunities. Mobile investment client application  122  can generate an investment opportunity agreement for the selected and approved investment opportunities for homeowner  101  to digitally sign. In some embodiments, the selected investment opportunity is a loan (e.g., a peer-to-peer loan). When the selected investment opportunity is a loan, mobile investment client application  122  and/or mobile investment circuit  140  can generate a loan agreement. Mobile investment circuit  140  can cause the loan agreement to be displayed on touch screen display  205 . The loan agreement may include the amount of home equity being loaned, approximate revenue generated from the loan, terms of the agreement, and/or any other information. A user (e.g., homeowner  101 ) may be able to accept and/or reject the loan via touch screen display  205 . Data including accepting or rejecting the loan may be sent to at least one of the third party entity computer system  161  and financial institution computing system  131 . 
     Verifying acceptance or rejection of the investment opportunity may be performed by an authorized individual (i.e., homeowner  101 ). Additionally, various security measures can be performed by mobile investment client application  122 . For example, an agree or a decline button corresponding to accepting or rejecting a loan agreement or investment opportunity agreement may be locked (i.e., inactive) until homeowner  101  is authenticated. In some embodiments, an investment opportunity agreement (e.g., the loan agreement) generated by mobile investment client application  122  requires a user to authenticate via a biometric scanner. Mobile investment client application may store a known fingerprint of homeowner  101  and may utilize processor  209  to perform pattern matching between the known fingerprint and a scanned fingerprint. If the fingerprint match is above a predefined amount (e.g., a match percentage), mobile investment client application  122  may allow homeowner  101  to accept the investment opportunity. Further, mobile investment client application  122  may use the fingerprint and/or the fingerprint match as the digital signature for the investment opportunity agreement and can send a notification of the fingerprint match or an image of the fingerprint input by homeowner  101  to financial institution computing system  131 , investor computer system  181 , and/or loan network computer system  171 . 
     Mobile investment client application  122  can utilize a verification key to electronically sign the investment opportunity or authenticate homeowner  101  in place of, or in addition to, the fingerprint matching. In various embodiments, homeowner  101  can register various email addresses and/or phone numbers with mobile investment client application  122  and financial institution computing system  131 . Mobile investment client application  122  can allow homeowner  101  to select an email and/or phone number and specify a verification key be sent to the email address via email and/or to the phone number via phone call and/or text. The phone call and/or text may contain a verification key such as a random alphanumeric value. Mobile investment client application  122  may require homeowner  101  to enter the verification key via touch screen display  205 , before homeowner  101  accepts or rejects the investment opportunity agreement. Further, the verification key may be used by mobile investment client application  122  as an electronic signature. 
     Referring now to  FIG. 3 , a diagram of the mobile investment circuit  140  is shown in greater detail, according to an exemplary embodiment. Mobile investment circuit  140  is structured to identify investment opportunities for homeowner  101  and to identify and facilitate investment opportunities for homeowner  101 . In various embodiments, mobile investment circuit  140  is configured to use the equity value of a home of homeowner  101  to identify various investment opportunities. Further, mobile investment circuit  140  can cause a mobile device (i.e., mobile device  120 ) associated with homeowner  101  to generate an investment opportunity agreement (e.g., a loan agreement). Mobile investment circuit  140  can be configured to provide secure user authentication and digital document signing with fingerprint matching or verification keys as described in  FIG. 2  and elsewhere herein. 
     Mobile investment circuit  140  is shown to communicate to loan network  170 , investors  180 , mobile investment client application  122  of mobile device  120 , and/or homeowner information database  138 . Mobile investment circuit  140  is shown to include investment module  142 . Investment module  142  can be structured to identify investment opportunities for homeowner  101  and facilitate participation in the investment opportunities. By using the equity value associated with a home of homeowner  101 , investment module  142  can be configured to select one or more investment opportunities from the plurality of investment opportunities offered by the various entities. 
     Investment module  142  is shown to include homeowner model  146  and monetization module  148 . Homeowner model  146  can be a database or storage medium including relevant investment parameters for a homeowner (e.g., homeowner  101 ). The parameters can be any relevant information needed to select investment opportunities for the homeowner. In some embodiments, the parameters of homeowner model  146  can be an equity value of a home of the homeowner, investment preferences of the homeowner, mortgage payment history of the homeowner, mortgage term, remaining mortgage term, the amount of risk homeowner  101  prefers for investment opportunities such as high risk, medium risk, low risk, etc. Homeowner model  146  can be configured to retrieve the various homeowner parameters or preferences from homeowner information database  138 . For example, homeowner model  146  could receive risk tolerance from mobile device  120 . The risk tolerance may be the amount of investment risk that homeowner  101  would like to engage in. In some embodiments, investment module  142  may be configured to create and/or update homeowner model  146 . 
     In some embodiments, monetization module  148  may use the various parameters of homeowner model  146  to select investment opportunities. For example, monetization module  148  may identify investment opportunities based on an equity level. If the equity level is above a predefined threshold, relatively more risky investment opportunities, such as peer-to-peer loans, may be identified as investment opportunities for homeowner  101 . If the equity level of homeowner  101  is not above the predefined threshold, the homeowner  101  may not be eligible for those more risky investment opportunities. Instead, the homeowner may be eligible for only certain less risky investment opportunities. For example, if the equity value of homeowner  101  is at or above a predefined amount, the homeowner  101  may be eligible for peer-to-peer loans, stocks, and/or bonds but when the equity value is below the predefined amount, the homeowner  101  may only be eligible for stocks and/or bonds. Further, monetization module  148  can select investment opportunities based on the remaining mortgage term. For example, when the remaining mortgage term is at or below a predefined amount, monetization module  148  can be configured to select peer-to-peer loans as the investment opportunities. When the remaining mortgage term is above a predefined amount, monetization module  148  can be configured to select stocks and bonds as the investment opportunities. 
     Monetization module  148  can be configured to use investment risk to identify investment opportunities. “Investment risk” may be a numerical value, a percentage, and/or any other representative of the amount of risk homeowner  101  is willing to accept for various investment opportunities. If the investment risk is above a predefined amount, monetization module  148  may select loans (e.g., peer-to-peer loans) as the investment opportunity. If the investment risk is below the predefined amount, monetization module  148  can be configured to select stock and/or bond investments. For example, the investment risk homeowner  101  is willing to engage in is 70%, the investment risk of a peer-to-peer loan is 90%, and the investment risk of a bond is 20%. Based on the risk homeowner  101  is willing to engage in, monetization module  148  may not select the peer-to-peer loan for homeowner  101  since the risk value associated with the peer-to-peer loans is greater than the risk homeowner  101  is willing to engage in. Monetization module  148  may select the bond for homeowner  101  since the risk homeowner  101  is willing to engage in is above the risk level for the bond. 
     In some embodiments, when the identified investment opportunities are loans, monetization module  148  can be configured to communicate with financial institutions  130  to identify a credit score of an individual (e.g., third party entity  160 ) requesting a loan (i.e., “loan requestor”), an annual income of the loan requestor, asset(s) of the loan requestor (e.g., businesses, homes, automobiles, etc.), the collateral the loan requestor is offering, the job security of the loan requestor, and/or any other relevant information regarding the loan requestor. When the credit score, income, or other information is above a predefined amount, the loan may be applicable for homeowner  101 . If the credit score, income or other information is not above the predefined amount, the loan requestor may not be considered for a loan. 
     The investment opportunities which monetization module  148  selects can be sent to mobile investment client application  122  for approval. If homeowner  101  approves the investment opportunities identified by monetization module  148 , monetization module  148  can be configured to facilitate the investments with investors  180 , loan network  170 , or seek a secondary verification from third party entity  160  via third party entity computer system  161  before facilitating the investments. In various embodiments, security measures are facilitated by investment module  142  to authenticate homeowner  101  and approve investment opportunities. Investment module  142  may facilitate the investment opportunities after one or more authentication and verification processes have been performed. 
     Responsive to homeowner  101  accepting one or more of the selected investment opportunities, mobile device  120  may generate an investment opportunity agreement which requires a digital signature (i.e., authentication and verification). In various embodiments, the digital signature is a verification code or a fingerprint image. The mobile device  120  and/or the investment opportunity agreement may require homeowner  101  to enter a fingerprint. Mobile device  120  can match the entered fingerprint to a known fingerprint stored on mobile device  120 . The level at which the entered fingerprint and the known fingerprint match may be sent to investment module  142 . Investment module  142  may facilitate the investment opportunities if the match level is above a predefined amount. Further, investment module  142  may receive a request from mobile device  120  to generate a verification code. Investment module  142  can be configured to randomly (i.e., pseudo-randomly) generate and/or select an alphanumeric value. In various embodiments, the request to generate the verification key includes a communication means (e.g., text message, phone call, email) and a phone number or email address selection. In various embodiments, investment module  142  stores registered phone numbers and email addresses. The alphanumeric value can be received via the text message, phone call, and/or email. Homeowner  101  may enter the verification key via the touch screen display  205  of mobile device  120 . Mobile device  120  can send the entered verification key to mobile investment circuit  140 . Mobile investment circuit  140  can match the entered verification key to the selected or generated verification key. If the keys match, the mobile investment circuit  140  may confirm that the homeowner  101  has been successfully authenticated and verified. 
     Still referring to  FIG. 3 , rewards module  150  is shown to receive homeowner information and determine homeowner rewards. “Homeowner rewards” may be any monetary reward that can be provided to homeowner  101 . The rewards may be a gift card, paying a portion of a loan of homeowner  101 , paying a utility bill of homeowner  101 , etc. Rewards module  150  includes homeowner rewards model  152  and rewards calculator  154 . Rewards module  150  may be configured to receive the homeowner information from homeowner information database  138  and may be configured to create and/or update homeowner rewards model  401 . Based on the information stored in homeowner rewards model  401 , the rewards module  150  can select one or more rewards for homeowner  101 . Homeowner rewards model  152  may be or include a database and/or any other memory structure. Homeowner rewards model  152  may be configured to store various rewards preferences or information regarding rewards preferences of homeowner  101 . The preferences of homeowner  101  may include paying utilities, paying groceries, paying day-to-day expenses, and/or paying off loans and/or debt. Further, the homeowner rewards model  152  may store current deals which the financial institution  130  has with businesses, service providers, etc. 
     In one embodiment, the “current deals” may be agreements which the financial institution has with various businesses, service providers, etc. to make purchases from them for reduced costs. Rewards calculator  154  may be configured to identify ideal rewards for the homeowner  101  based on homeowner rewards model  152 . Any method for determining ideal rewards for the homeowner  101  may be used. In some embodiments, the rewards module  150  serves a notification to the homeowner  101  via the mobile device  120  asking the homeowner if the homeowner wants the identified rewards. In some embodiments, the rewards module  150  may serve a notification to the homeowner  101  via the mobile device  120  which presents multiple possible rewards for the homeowner  101  and prompts the homeowner to select at least one of the rewards. For example, the notification may include one or more rewards associated with ongoing deals which the financial institution  130  has with businesses, service providers, etc. The notification may allow homeowner  101  to select one or more of the ongoing deals. 
     In some embodiments, rewards calculator  154  monitors the mortgage payments of homeowner  101 . If homeowner  101  has made a predefined amount of mortgage payments on time and/or within a predefined amount of time, the rewards calculator  154  can be configured to serve a reward to homeowner  101  and/or notify homeowner  101  via mobile device  120  and/or mobile investment client application  122  that homeowner  101  is eligible for a reward. If homeowner  101  is eligible for a reward, homeowner  101  may be able to select a reward via mobile investment client application  122 . The reward may be a remission of part and/or all of a mortgage. For example, if a homeowner has made a predefined amount of mortgage payments on time within a certain period of time, the homeowner  101  may be eligible for a remission of some or all of the mortgage. In one embodiment, when mobile device  120  performs the functionality of mobile investment circuit  140 , mobile device  120  may communicate with the financial institution computing system  131  to identify the number of mortgage payments made within a predefined amount of time. Financial institution computing system  131  may send the number of mortgage payments made within the predefined amount of time directly to mobile device  120 . 
     The rewards may be paid by crediting one or more financial accounts of homeowner  101  with a refund and/or deposit and/or may be sent a gift card. Further, rewards module  150  may be configured to forego and/or remit part and/or all of a loan and/or mortgage of homeowner  101 . The rewards may be generated from the revenue from the various loans and/or investments which monetization module  148  facilitates. When rewards module  150  cause a reward to be served to homeowner  101  (i.e., crediting an account, forgoing a portion of a loan and/or mortgage) a notification may be sent to mobile device  120  which notifies the homeowner  101  that they have received the reward. 
     Referring now to  FIG. 4 , a process  400  for monetizing home equity is shown, according to an example embodiment. Process  400  can be implemented by the mobile investment circuit  140  of financial institution computing system  131  and/or by mobile investment client application  122  of mobile device  120 . In this regard, mobile investment client application  122  can embody and/or perform any and all processes of mobile investment circuit  140 . For this reason, reference may be made to various components of computing system  100  in general to aid in the explanation of process  400 . 
     At process  402 , mobile investment circuit  140  receives a request from homeowner  101  to register with an equity investment program. In some embodiments, registering for the equity investment program may authorize financial institution  130  to invest the equity of homeowner  101  or a portion thereof, and provide rewards to homeowner  101  for paying mortgage bills on time. The registration process may include mobile investment client application  122  prompting homeowner  101  to enter preferences, enter financial information, sign legal agreements, and/or any other action for registering for the equity investment program via touch screen display  205 . 
     In various embodiments, individuals who do not have equity, a sufficient amount of equity, or do not wish to invest their equity, may still register for the equity investment program. These individuals may register in order to be matched with homeowners (e.g., homeowner  101 ) offering their equity in the form of a loan or another investment opportunity. In some embodiments, homeowner  101  can perform the registration process via mobile investment client application  122  on mobile device  120 . These individual may be added by mobile investment circuit  140  to a pool of aggregated investment opportunities. Mobile investment circuit  140  may generate and maintain the pool of all possible investment opportunities. Mobile investment circuit  140  may communicate with loan network  170 , third party entity  160 , investor  180 , other financial institutions offering investment opportunities. Mobile investment circuit  140  may further generate the pool of aggregated investment opportunities to include individuals holding accounts with financial institution  130  and/or any other financial institution who may wish to receive the equity of homeowner  101  as a loan. The investment opportunities offered by these, and any other entity, may be aggregated into one or more pools for mobile investment circuit  140  to select investment opportunities or homeowner  101 . 
     At process  404 , mobile investment circuit  140  receives homeowner preferences and financial information associated with homeowner  101 . In some embodiments, mobile investment circuit  140  receives the information when the homeowner  101  registers for the equity investment program as described at process  402 . In some embodiments, the financial institution computing system  131  may be configured to retrieve the information from one or more accounts that homeowner  101  may have with financial institution  130 . The accounts may be a mortgage agreement, a bank account, a credit card account, and/or any other account. In some embodiments, the financial institution computing system  131  may run database or internet searches based on the information provided by the homeowner  101  during registration to retrieve information relating to homeowner  101 . In some embodiments, information regarding homeowner  101  may be collected from social networks such as LINKEDIN®, FACEBOOK®, TWITTER®, and/or any other social network. 
     The preferences may include a preferred risk value (i.e., the amount of investment risk the homeowner  101  is willing to engage in). In some embodiment, the preference is a preferred investment opportunity. The preferred investment opportunity may be an investment opportunity which homeowner  101  is interested in. For example, homeowner  101  may have a preferred investment opportunity of stocks. In this example, mobile investment circuit  140  may only or may more frequently select stocks for homeowner  101 . In some embodiments, the preferred risk is a percentage where 0% risk may indicate minimal and/or no investment risk while 100% may indicate high investment risk. The metric may also be a value on a linear scale (i.e., 0-10 scale). In various embodiments, the metric is a predefined level that homeowner  101  can select such as “Minimal Risk”, “Low Risk”, “Moderate Risk”, or “High Risk.” For example, the investment risk homeowner  101  is willing to engage in is 70%, the investment risk of a peer-to-peer loan is 90%, and the investment risk of a bond is 20%. Based on the risk homeowner  101  is willing to engage in, homeowner  101  may not eligible for the peer-to-peer loan for homeowner  101  since the risk value associated with the peer-to-peer loans is greater than the risk homeowner  101  is willing to engage in. Further, homeowner  101  may be eligible for the bond since the risk homeowner  101  is willing to engage in is above the risk level for the bond. 
     The financial information may include, but is not limited to a, social security number, legal name, date of birth, address, one or more bank account numbers, one or more mortgage identification numbers (MIN) (i.e., a unique numeric or alphanumeric value that is associated with the mortgage of the homeowner), a taxpayer identification number (TIN), and an equity value associated with a property of the homeowner, mortgage payment information of homeowner  101 , and/or any other information. In some embodiments, the information includes the spending habits of homeowner  101 . The spending habits of homeowner  101  may include favorite stores, favorite restaurants, and/or favorite online retailors of the homeowner  101 . 
     Mobile investment circuit  140  may receive favorite stores, restaurants, and/or online retailors of homeowner  101  from mobile investment client application  122 . In some embodiments, a credit card bill is analyzed by the financial institution computing system  131  to identify the frequented (i.e., favorite) stores, restaurants, and/or online retailors of the homeowner  101 . In some embodiments, mobile investment circuit  140  and/or mobile investment client application  122  uses global positioning system  206  of mobile device  120  to determine the location of homeowner  101  and identify what stores and/or businesses homeowner  101  frequently visits. 
     At process  406 , mobile investment circuit  140  selects one or more investment opportunities based on the preferences of homeowner  101  and the financial information of homeowner  101 . In some embodiments, the investment opportunities are selected from the investment pool generated at process  402 . The investment opportunities may be selected based on preference of homeowner  101 . For example, if homeowner  101  indicates a preference for peer-to-peer loans, mobile investment circuit  140  may select peer-to-peer loans as the investment opportunity for homeowner  101 . In various embodiments, the investment opportunities for homeowner  101  may be selected based on a preferred risk level indicated by homeowner  101  and a risk level associated with each of the investment opportunities. As an example, risk levels of bonds may be low while risk levels associated with peer-to-peer loans may be higher. The preferred risk level of homeowner  101  can be used to identify investment opportunities which are relevant for homeowner  101 . If the risk level is above a predefined amount, the investment opportunities selected may include loans (e.g., peer-to-peer loans). If the risk level is below the predefined amount, the investment opportunities selected may include stock and/or bond investments. A similar determination can be performed with the remaining mortgage period of a home of homeowner  101 , that is, investment opportunities can be selected based on the remaining mortgage period. For example, if the remaining mortgage term is within a predefined amount of time, the selected investment opportunities selected may only include peer-to-peer loans. If the remaining mortgage term is greater than a predefined amount of time, the selected investment opportunities may only include stock and bond investments. 
     Mobile investment circuit  140  can further select the investment opportunities based on financial information associated with the entity offering the investment opportunity. In some embodiments, the financial information is credit score. If the credit score of the entity associated with the investment opportunity is above the predefined amount, mobile investment circuit  140  may selected the investment opportunity for homeowner  101 . For example, if peer-to-peer loans are being considered for homeowner  101 , the credit score for each loan requestors for the identified peer-to-peer loans may be retrieved from a financial institution (e.g., financial institution  130 ) by mobile investment circuit  140 . If the credit score of the of the loan requestor is below a predefined amount, the peer-to-peer loan associated with the loan requestor may not be selected for presentation to homeowner  101  for consideration. Mobile investment circuit  140  can receive the credit score from loan network  170 , investor  181 , and/or any other entity. 
     At process  408 , mobile investment circuit  140  provides the selected investment opportunities to the mobile device  120  for approval by homeowner  101 . An approved investment opportunity is an investment opportunity which homeowner  101  has consented to invest in. In some embodiments, homeowner  101  receives a notification including the selected investment opportunities via mobile investment client application  122 . The notification may include a list of all the investment opportunities selected at process  406 . Homeowner  101  may be able to select one or more investments from the list via touch screen display  205  of mobile device  120 . In various embodiments, the list of investment opportunities may be ranked from highest return to lowest return. In other embodiments, the investment opportunities may be ranked based on risk (e.g., highest risk to lowest risk or lowest risk to highest risk). In various embodiments, homeowner  101  can select parameters for sorting the investment opportunities via mobile device  120 . 
     At process  410 , mobile investment circuit  140  receives an indication of one or more approved investment opportunities. The indication may be a message generated by mobile device  120 . The message can indicate which investment opportunities homeowner  101  has approved and which investment opportunities homeowner  101  has declined. In various embodiments, the message can include investment opportunities which homeowner  101  wishes to be saved for consideration at a later time. 
     At process  412 , mobile investment circuit  140  and/or mobile investment client application  122  generates an agreement for the one or more approved investment opportunities. In some embodiments, mobile investment circuit  140  generates the agreement and sends the agreement to mobile device  120 . In other embodiments, mobile investment client application  122  generates the agreement at the direction of mobile investment circuit  144 . In various embodiments, the agreement can be an agreement for a peer-to-peer loan, a stock, or a bond. In various embodiments, the agreement is generated with conditional language applicable for the type (e.g., stock, bond, loan, etc.) of the investment. Generating the loan agreement is discussed in greater detail with respect to  FIG. 6 , and elsewhere herein. 
     At process  414 , mobile investment circuit  140  and/or mobile investment client application  122  confirm the identity of homeowner  101 . In some embodiments, the identity of homeowner  101  is confirmed via a fingerprint. For example, mobile device  120  may prompt homeowner  101  to enter a fingerprint via biometric scanner  208 . Mobile device  120  can compare this fingerprint to a known fingerprint. If the match level between fingerprints is higher than a predefined amount, a notification may be sent to mobile investment circuit  140  confirming the identity of homeowner  101 . Matching the fingerprints is described in further detail in  FIG. 2  and elsewhere herein. 
     In various embodiments, financial institution computing system  131  can be configured to generate and send a verification key to mobile device  120 . In some embodiments, the verification key can be used to confirm the identity of the user. Homeowner  101  may receive the verification key via an email, text, phone call, and/or any other method of delivery which homeowner  101  elects via mobile device  120 . Homeowner  101  may enter the verification key into mobile device  120  for transmission to mobile investment client circuit  140 . Mobile investment circuit  140  can confirm the identity of the user if the entered key matches the generated key. Confirming the identity of homeowner  101  is described in greater detail in  FIG. 5  and elsewhere herein. 
     At process  416 , mobile investment circuit  140  facilitates participation in the one or more approved investment opportunities. In response to receiving a confirmation that homeowner  101  has accepted the investment opportunity, mobile investment circuit  140  can communicate with investors to facilitate the investment. The investors may be loan network computer system  171 , investor computer system  181 , and/or any other investor. In various embodiments, financial institution computing system  131  communicates with other individuals who have financial accounts with financial institution  130  that may wish to invest the home equity of homeowner  101 . Mobile investment circuit  140  can be configured to cause the investors to invest the equity of the home of homeowner  101  based on the investment opportunities approved by homeowner  101 . Once the equity is invested, homeowner  101  may be able to view a new equity value in an online mortgage account. In some embodiments, the online mortgage account may indicate the current equity value of a property of homeowner  101 , the amount of equity invested in investment opportunities, the types of investment opportunities invested in (e.g., bond, loan, stock, etc.) and the amount of equity invested in each investment opportunity. 
     At process  418 , mobile investment circuit  140  provides rewards to homeowner  101  based on the homeowner preferences and the homeowner financial information. In some embodiments, mobile investment circuit  140  determines rewards for homeowner  101  based on the information received from the homeowner information database  138  and provide the rewards to homeowner  101 . In some embodiments, the rewards are determined based on the number of mortgage payments made on time within a predefined window of time. For example, if homeowner  101  has made a predefined amount of mortgage payments on time in a certain time period (e.g., one year), mobile investment circuit  140  may provide a reward to homeowner  101 . If the number of mortgage payments made on time within the time period is below a predefined amount, the homeowner  101  may not qualify for any rewards. 
     In some embodiments, the rewards are selected for homeowner  101  based on the homeowner preferences. The preferences may indicate favorite stores, online retailers, and/or any other preference associated with homeowner  101  that is received at process  404 . Based on these preferences, one or more rewards may be selected from all available rewards. In this regard, homeowner  101  may only be presented with rewards that are relevant to homeowner  101  or are likely to be desired by homeowner  101 . Examples of provided rewards are disclosed below. 
     As an example, the rewards are provided to the homeowner  101  by mailing a gift card to the homeowner  101 . As another example, the rewards are automatically provided to homeowner  101 . Financial institution  130  may be linked to a utility account of homeowner  101 . In this regard, mobile investment circuit  140  may be configured to automatically make payments on the utility bills associated with the utility account of homeowner  101 . In various embodiments, if groceries are purchased with a credit card held by homeowner  101  that is associated with financial institution  130 , financial institution  130  may be configured to credit the credit card account with a refund for some and/or all of groceries purchased with the credit card held by homeowner  101 . Regarding mortgages, if the mortgage of homeowner  101  is associated with financial institution  130 , as still another example, mobile investment circuit  140  may forego and/or remit various amounts of the mortgage of homeowner  101 . In some embodiments, the rewards are provided to the homeowner  101  via a mobile wallet (e.g., a prepaid debit card provisioned to the mobile wallet account/application) and may enable the homeowner to purchase items from stores and/or businesses which have contracts with the financial institution  130 . 
     Referring now to  FIG. 5 , a process  500  for confirming the identity of a homeowner with the mobile devices of  FIGS. 1 and 2  is shown, according to an example embodiment. Because process  500  may be performed using the financial institution computing system  131 , the mobile device  120 , the third party entity computer system  161 , and other relevant components of the previous figures, reference to  FIGS. 1, and 2  may be made to aid explanation of the process  500 . 
     At process  502 , selected investment opportunities may be sent by financial institution computing system  131  to mobile device  120 . In some embodiments, the selected investment opportunities are the investment opportunities selected at process  406  as described with reference to  FIG. 4 . The selected investment opportunities may be sent to both mobile device  120  and third party entity computer system  161 . Homeowner  101  may accept and/or reject the selected investment opportunities via mobile device  120 . A notification of homeowner  101  accepting or rejecting the investment opportunity may be sent by mobile device  120  to financial institution computing system  131 . 
     At process  504 , the identity of homeowner  101  may be confirmed via a fingerprint scanned by biometric scanner  208 . In some embodiments, each entity participating in the investment opportunity (e.g., third party entity  160 ) may be prompted to enter a fingerprint on a mobile device (e.g., mobile device  120 ). In some embodiments, each member is only prompted to enter a fingerprint if their mobile device has a biometric scanner (e.g., biometric scanner  208 ). A known fingerprint of homeowner  101  may be stored on mobile investment client application  122  and/or mobile investment circuit  140 . In some embodiments, processor  209  of mobile device  120  compares a scanned fingerprint to the fingerprint stored by mobile investment client application  122 . If the fingerprints match above a predefined level, the identity of homeowner  101  may be confirmed. In some embodiments, the fingerprint scanned by biometric scanner  308  is a digital signature for an agreement. This digital signature may be transmitted to the financial institution computing system  131  for permanent and/or temporary storage. 
     In some embodiments, the identity of homeowner  101  may be confirmed via a retinal scan. In this embodiment, biometric scanner  208  may be a retinal scanner that can confirm the identity of homeowner  101 . In yet another embodiment, the identity of homeowner  101  can be confirmed via facial recognition. Mobile device  120  may include a camera that can be utilized to confirm the identity of homeowner  101  via digital signal processing and comparing a known facial image of homeowner  101  to an second facial image of homeowner  101  captured by the camera. In other embodiments, the identity of homeowner  101  can be confirmed via voice recognition. Mobile device  120  may include a microphone which can be used to record the voice of homeowner  101  and identify various voice biometrics. If the voice biometrics are consistent with known voice biometrics of homeowner  101 , the identity of homeowner  101  can be confirmed by mobile device  120 . The identity of homeowner  101  can be confirmed via user name and password, drawing certain objects on touch screen display  205 , connecting various dots displayed on touch screen display  205  in a predefined sequence, answering various security questions such as, “What is your Mother&#39;s maidens name?”, and/or any other method that can be used to confirm the identity of homeowner  101 . 
     At process  506 , homeowner  101  is prompted via mobile device  120  to initiate a secondary verification. A secondary verification may include financial institution computing system  131  generating a verification key. The verification key may be a combination of numbers and/or letters (i.e., numeric and/or alphanumeric). The verification key may be any length which financial institution computing system  131  determines is appropriate. In some embodiments, the verification key is a word or phrase. In some embodiments, homeowner  101  may select, via mobile device  120 , one of a plurality of phone numbers and/or email addresses which have been previously registered with the financial institution  130  to be used in delivering the verification key. In some embodiments, homeowner  101  may be prompted to select either a text message or a phone call as the delivery message when homeowner  101  selects a phone number for delivery of the verification key. In some embodiments, the phone number is at least one of a mobile phone number or a landline phone number. 
     At process  508 , financial institution computing system  131  sends the verification key via a message (e.g., a text, an email, a phone call) to mobile device  120 . In some embodiments, the phone call contains a generated phone message which includes the verification key. The message may be delivered via a phone call, a text message, and/or an email message. 
     At process  510 , the mobile device  120  prompts the user to enter the verification key into a window or text box. In some embodiments, the user of mobile device  120  types the verification key into the mobile device  120 . In various embodiments, the verification key is sent to financial institution computing system  131  (i.e., mobile investment circuit  140 ). Mobile investment circuit  140  may match the verification key received with a stored verification key (i.e., the verification key generated and sent to t mobile device  120 ). If the keys match, the identity of homeowner  101  is confirmed. Mobile investment client circuit  140  may send a notification to mobile device  120  that there is a key match. Once the keys match, homeowner  101  may be allowed to approve and/or reject the investment opportunity and/or investment opportunity agreement. If the investment opportunity agreement has already been accepted or rejected by homeowner  101 , mobile device  120  may receive a confirmation that the investment opportunity agreement acceptance or rejection has been verified. The confirmation may be displayed on touch screen display  205 . 
     At process  512 , the financial institution computing system  131  facilitates the investment opportunities for the confirmed homeowner. In some embodiments, financial institution computing system  131  only facilitates the investment opportunities if the identity of homeowner  101  has been confirmed in process  504  and/or process  510 . In some embodiments, process  512  includes some and/or all of the steps of process  418  as described with reference to  FIG. 4 . Once the investment has been facilitated, financial institution computing system can send a receipt or confirmation to the homeowner  101  and/or third party entity  160 . The confirmation may be generated by financial institution computing system  131  and served via an email, text message, automated phone call, or any other method of serving the confirmation. 
     Referring now to  FIG. 6 , an example of an investment agreement displayed on mobile device  600  is shown, according to an exemplary embodiment. Mobile device  120  of  FIGS. 1-2  can perform any and/or all of the functionality of mobile device  600 . In some embodiments, the mobile device  600  is third party entity computer system  161  as described with reference to  FIG. 1  or a computer system associated with any individual participating in an investment opportunity (e.g., a loan requestor), and/or any other relevant mobile device. In  FIG. 6 , an agreement  602  is shown to be displayed on a mobile device  600 . Agreement  602  is shown to be an agreement for accepting or rejecting a loan, however, agreement  602  can be an agreement for any investment opportunity (e.g., stock investment, bond investment). Information  604  corresponding to terms of the investment opportunity is shown to be displayed on mobile device  600 . Information  604  may be auto generated by mobile device  600 . The mobile device  600  may be configured to automatically generate agreement  602  and information  604 . The mobile device  600  can generate (e.g., automatically populate) the date, the legal name of each party participating in the loan agreement, the conditions of a loan, the date of maturity for a bond, the stock price of a stock, etc. In some embodiments, the information  604  is generated by financial institution computing system  131  and is automatically served to the mobile device  600 . 
     Information  604  may include predefined text. The predefined text may include text selected by the financial institution  130 . In some embodiments, financial institution  130  determines what the appropriate format for information  604 . In some embodiments, the format for information  604  may change based on the nature of the investment opportunity. In some embodiments, conditional language applying to collateral may be appropriate for agreement  602  when agreement  602  is for a loan in which collateral is present. In some embodiments conditional language may change for a business loans and a personal loans. Any number of conditional language selections can be made by financial institution  130  or mobile device  600 . In some embodiments, financial institution computer system  131  may be configured to generate agreement  602  and its appropriate format and serve the agreement  602  to the mobile device  600 . In some embodiments, mobile device  600  generates agreement  602  based on information received from the financial institution computing system  131 . 
     In some embodiments, mobile device  600  is connected to the loan network computer system  171  and/or investor computer system  181 . In some embodiments, mobile device  600  receives information regarding a loan (e.g. peer-to-peer, collateral, personal or business loan, etc.) from loan network computer system  171  and generates the agreement  602  based on the information. In various embodiments, mobile device  600  receives stock or bond information from investor computer system  181  and generates agreement  602  based on the stock or bond information. 
     Agreement  602  may include an agree button  606  and a decline button  608  or any other such method for accepting and/or rejecting the loan. In some embodiments, accept button  606  must be pressed by the user of mobile device  600  to approve the investment. In some embodiments, the individuals are the homeowner  101 , third party entity  160 , an individual applying for a loan via loan network  170 , an entity selling a stock, etc. In some embodiments, once all individuals participating in the investment press agree button  606 , the mobile device  600  may ask each individual participating in the investment to digitally sign the loan document. In some embodiments, digitally signing agreement  602  is pressing agree button  606  via a touch screen. In some embodiment, the mobile device  600  may prompt the user of mobile device  600  to sign their name on the screen. In some embodiments, digitally signing agreement  602  is typing the individuals full legal name on the screen. In some embodiments, the individual entering into the loan and/or the loan officer (e.g., third party entity  160 ) must enter a fingerprint through a biometric scanner such as biometric scanner  208 . In some embodiments, digitally signing agreement  602  is performing secondary verification (i.e., phone call with confirmation number). 
     In some embodiments, if one of the individuals participating in the investment presses the decline button  608 , the mobile device may present the individual with a series of questions. The series of questions may ask the individual why the individual has not accepted the loan. For example, the questions may be questions such as, “Was the loan period to long?”, “Was the loan period to short?”, “Was there to much risk involved?”, or any other question. In some embodiments, mobile device  600  is configured to enter the responses to the mobile device into the homeowner information database  138 . The response may be used when selecting loans in the future. 
     The embodiments described herein have been described with reference to drawings. The drawings illustrate certain details of specific embodiments that implement the systems, methods and programs described herein. However, describing the embodiments with drawings should not be construed as imposing on the disclosure any limitations that may be present in the drawings. 
     It should be understood that no claim element herein is to be construed under the provisions of 35 U.S.C. § 112(f), unless the element is expressly recited using the phrase “means for.” 
     As used herein, the term “circuit” may include hardware structured to execute the functions described herein. In some embodiments, each respective “circuit” may include machine-readable media for configuring the hardware to execute the functions described herein. The circuit may be embodied as one or more circuitry components including, but not limited to, processing circuitry, network interfaces, peripheral devices, input devices, output devices, sensors, etc. In some embodiments, a circuit may take the form of one or more analog circuits, electronic circuits (e.g., integrated circuits (IC), discrete circuits, system on a chip (SOCs) circuits, etc.), telecommunication circuits, hybrid circuits, and any other type of “circuit.” In this regard, the “circuit” may include any type of component for accomplishing or facilitating achievement of the operations described herein. For example, a circuit as described herein may include one or more transistors, logic gates (e.g., NAND, AND, NOR, OR, XOR, NOT, XNOR, etc.), resistors, multiplexers, registers, capacitors, inductors, diodes, wiring, and so on). 
     The “circuit” may also include one or more processors communicatively coupled to one or more memory or memory devices. In this regard, the one or more processors may execute instructions stored in the memory or may execute instructions otherwise accessible to the one or more processors. In some embodiments, the one or more processors may be embodied in various ways. The one or more processors may be constructed in a manner sufficient to perform at least the operations described herein. In some embodiments, the one or more processors may be shared by multiple circuits (e.g., circuit A and circuit B may comprise or otherwise share the same processor which, in some example embodiments, may execute instructions stored, or otherwise accessed, via different areas of memory). Alternatively or additionally, the one or more processors may be structured to perform or otherwise execute certain operations independent of one or more co-processors. In other example embodiments, two or more processors may be coupled via a bus to enable independent, parallel, pipelined, or multi-threaded instruction execution. Each processor may be implemented as one or more general-purpose processors, application specific integrated circuits (ASICs), field programmable gate arrays (FPGAs), digital signal processors (DSPs), or other suitable electronic data processing components structured to execute instructions provided by memory. The one or more processors may take the form of a single core processor, multi-core processor (e.g., a dual core processor, triple core processor, quad core processor, etc.), microprocessor, etc. In some embodiments, the one or more processors may be external to the apparatus, for example the one or more processors may be a remote processor (e.g., a cloud based processor). Alternatively or additionally, the one or more processors may be internal and/or local to the apparatus. In this regard, a given circuit or components thereof may be disposed locally (e.g., as part of a local server, a local computing system, etc.) or remotely (e.g., as part of a remote server such as a cloud based server). To that end, a “circuit” as described herein may include components that are distributed across one or more locations. 
     An exemplary system for implementing the overall system or portions of the embodiments might include a general purpose computing computers in the form of computers, including a processing unit, a system memory, and a system bus that couples various system components including the system memory to the processing unit. Each memory device may include non-transient volatile storage media, non-volatile storage media, non-transitory storage media (e.g., one or more volatile and/or non-volatile memories), etc. In some embodiments, the non-volatile media may take the form of ROM, flash memory (e.g., flash memory such as NAND, 3D NAND, NOR, 3D NOR, etc.), EEPROM, MRAM, magnetic storage, hard discs, optical discs, etc. In other embodiments, the volatile storage media may take the form of RAM, TRAM, ZRAM, etc. Combinations of the above are also included within the scope of machine-readable media. In this regard, machine-executable instructions comprise, for example, instructions and data which cause a general purpose computer, special purpose computer, or special purpose processing machines to perform a certain function or group of functions. Each respective memory device may be operable to maintain or otherwise store information relating to the operations performed by one or more associated circuits, including processor instructions and related data (e.g., database components, object code components, script components, etc.), in accordance with the example embodiments described herein. 
     It should also be noted that the term “input devices,” as described herein, may include any type of input device including, but not limited to, a keyboard, a keypad, a mouse, joystick or other input devices performing a similar function. Comparatively, the term “output device,” as described herein, may include any type of output device including, but not limited to, a computer monitor, printer, facsimile machine, or other output devices performing a similar function. 
     Any foregoing references to currency or funds are intended to include fiat currencies, non-fiat currencies (e.g., precious metals), and math-based currencies (often referred to as cryptocurrencies). Examples of math-based currencies include Bitcoin, Litecoin, Dogecoin, and the like. 
     It should be noted that although the diagrams herein may show a specific order and composition of method steps, it is understood that the order of these steps may differ from what is depicted. For example, two or more steps may be performed concurrently or with partial concurrence. Also, some method steps that are performed as discrete steps may be combined, steps being performed as a combined step may be separated into discrete steps, the sequence of certain processes may be reversed or otherwise varied, and the nature or number of discrete processes may be altered or varied. The order or sequence of any element or apparatus may be varied or substituted according to alternative embodiments. Accordingly, all such modifications are intended to be included within the scope of the present disclosure as defined in the appended claims. Such variations will depend on the machine-readable media and hardware systems chosen and on designer choice. It is understood that all such variations are within the scope of the disclosure. Likewise, software and web implementations of the present disclosure could be accomplished with standard programming techniques with rule based logic and other logic to accomplish the various database searching steps, correlation steps, comparison steps and decision steps. 
     The foregoing description of embodiments has been presented for purposes of illustration and description. It is not intended to be exhaustive or to limit the disclosure to the precise form disclosed, and modifications and variations are possible in light of the above teachings or may be acquired from this disclosure. The embodiments were chosen and described in order to explain the principals of the disclosure and its practical application to enable one skilled in the art to utilize the various embodiments and with various modifications as are suited to the particular use contemplated. Other substitutions, modifications, changes and omissions may be made in the design, operating conditions and arrangement of the embodiments without departing from the scope of the present disclosure as expressed in the appended claims.