Remote Online Notarization software meeting state regulations with precision.
Remote Online Notarization is a notarial act performed by an online notary by means of two-way video and audio conference technology that meets the standards adopted by the Secretary of State for such actions including credential analysis and identity proofing.
Many people confuse electronic notarization with remote notarization, believing they are the same. They are not.
Electronic notarization, or eNotarization, involves documents that are notarized in electronic form, and the Notary and document signer sign with an electronic signature. But all other elements of a traditional, paper notarization apply to electronic notarization, including the requirement for the signer to physically appear before the Notary.
The confusion arises from the fact that remote notarizations typically involve digital documents that are signed and notarized electronically. However they go a step further in that the transaction is conducted online rather than in person.
Knowledge based authentication, also known as KBA, is a type of authentication which looks to prove that the person providing identity information truly is that exact person. As its name suggests, KBA is based on some sort of knowledge the individual has. Knowledge based authentication continues to get more sophisticated in order to keep information and access in the right hands.
There are three different forms of KBA – static, dynamic and enhanced KBA.
Static KBA methods allow users to select security questions and provide answers that are stored by a company and accessed later, usually when a password needs to be retrieved or reset. Dynamic KBA, on the other hand, goes a step further by generating questions that apply only to the intended end user and do not require a previous relationship with the customer. These types of questions have also been called “out-of-wallet” as the content is generated from information within a person’s credit history or public records. Therefore, the answers could not be found in a wallet or purse, making it difficult for anyone other than the actual person to know the answer.
Enhanced dynamic KBA goes even further by using your proprietary data collected that is stored behind your firewall to create custom security questions for your customers. This gives you a complete end-to-end authentication solution so you can verify new and existing customers online.
Credential ID Analysis is a process by which the validity of a government-issued identification is affirmed by a third party through review of public and proprietary data sources.
An electronic seal consists of information within a notarized electronic document that confirms the online notary public's name, jurisdiction, notary ID, and commission expiration date. It generally corresponds to information in notary seals used on paper documents.
A digital certificate is a computer-based record or electronic file issued to an online notary public for the purpose of creating an official electronic signature built around your requirements.
All notary publics who use the ProNotary platform are required to have a certificate (IGC Notaries | Basic Assurance | Individual Identity | Software Storage) which is used to digitally sign each notarized document. Once a digital signature is applied, the electronic document is encrypted and sealed to protect against tampering, to allow individuals to authenticate themselves as a notary and to provide non-repudiation for relying parties.
ProNotary has partnered with IdenTrust to provide the necessary digital certificate.
ProNotary can accommodate multiple signers, from any combination of locations domestically within the USA or international as long as all signing parties can meet the minimum system requirements.
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