Notary: Knowledge Base Authentication

NOTE: This is only available for US Citizens with Secured Signing accounts.

Knowledge-based authentication, commonly referred to as KBA, is a method of authentication which seeks to prove the identity of someone accessing a service. As the name suggests, KBA requires the knowledge of private information of the individual to prove that the person providing the identity information is the owner of the identity. Dynamic KBA, which is based on questions generated from a wider base of personal information.

Identity proofing is the means by which the principal (signer of a document) affirms their identity. This is done through a third party who uses dynamic knowledge-based authentication (KBA). KBA is a process in which the principal is asked a series of questions about the principal’s identity and personal history. In order to pass, the principal must answer at least 80% of the questions correctly.

If the principal fails their first attempt, they may retake the quiz once within 24 hours. If the principal fails a second attempt, they are prohibited from retrying with the same notary for at least 24 hours.

Notary: ID Verification

Enhancing Identity Verification: Leveraging Government-Issued ID and Facial Recognition Technology.

Government-issued identity documents are at the heart of many identity-vetting processes. Performing up to 50 different text- and image-based tests and checking IDs against a database of nearly 4,100 ID types from nearly 200 countries.

The Facial matching software performs powerful biometric facial recognition match and liveness detection to prevent identity theft and fraud. A user simply captures an image of their government issued ID and then takes a selfie. The selfie image is compared to an extracted photo from the identity document such as a driver’s license or passport to verify a match and provide a confidence score.

NIST tested algorithm for biometric facial recognition match with optional advanced passive liveness test which requires no action and is iBeta compliant. Prevents presentation attacks from printed images, masks, recorded video or synthetic video.

Secured Signing enhances this ID Verification process by creating a strong link between the ID and the document. You can configure the matching process so that some data must be part of the ID presented in the ID Verification process and select which parameter you want to match with the ID.

 

ID verification settings: explained.

You can also decide if you want to continue the signing process if the data doesn’t match or stop the process. In either case an the sender receives an email notifying them about the mismatch. This same process applies to the Facial match, if the face of the signer doesn’t match the picture on the ID, or the selfie picture quality is poor. Signing process can stop or continue, sender will get email notification in unmatched case. A good score for Facial matching is about 80 points.

 

If ID verification settings: ‘If Not Match’ explained.

A link to ID Verification results can be embedded on the signed document to build trust and everybody can be sure the signers identity was checked and matches the provided ID.

This process can set be up on the fly per signing process in the Invitation Workflow popup.

 
Invitation Workflow.

Notary: I Sign

To Notarize a document that only the Notary Public signs, the ‘I sign’ process is the best option, the notary can stamp and sign the document without any invitation process.
Feature: Add Notary Stamp and Signature
The Notary Seal has a set size based on the image uploaded. You can resize the Notary signature and also add a name and date.
Feature: Add name and date.

Notary: Form Filler Template

While designing a Form Filler template you can add an eNotary seal or signature to the template and save it. Send the document for signature and the Notary will receive an invitation to notarize the document.
Form Filler Template explained.

Notary: Setting up Notary

Easily set-up your Notary Account with Secured Signing.

Remote Online Notarization (RON) with Secured Signing, a game-changing solution that enables secure and convenient notarization of documents remotely. With RON, you can offer your clients a modern and efficient way to complete notarial acts, while ensuring compliance with legal requirements.

Please read through below on how you can easily set-up your Notary Account with Secured Signing.

Using Notary requires a Secured Signing paid account.

To enable Notary go to:

1. My Account

2. My Setting

3. Notary

4. Upload your Notary Seal

5. Upload your Notary Graphical signature

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If you want to remove the Notary function just click delete and the function will be removed from your account.

 

For accounts with Multiple users – Any users in the account can be notaries by logging in to their account and uploading their Notary seal & Notary Signature.

In order to use Notary function, it is required to buy Secured Signing Credits, the best option is to use auto top-up so you always have credit to preform Notary.

 

Notaries based in the United States

The notary must enter their Commission ID, and commission Expiry date based on their Notary seal.

If the Notary tries to notarize a document after the commission expiry date the system will stop them from doing so, as the Notary must upload a new Notary seal and update the commission expiry date.

The Notary is fully responsible for maintaining this and keeping it up to date.

US Based Notary Commission ID

Set Up Video Signing – Remote Online Notarization (RON)

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Enable Video Signing – RON function within the Notary solution

Video Recording Storage Location  Sessions will store in your preferred encrypted cloud storage location, US, UK or Australia. The recording of the video will be removed 7 days after the signing process has been completed, unless the recoding archive is enabled. The recording can downloaded before removal.

Enable Recording Archive Storage –  if you want to keep the recording in Secured Signings cloud storage, you can access the recording from Secured Signing. This function has an additional monthly cost, see pricing for more information.

Enable Recording Link in Signed Document – access the recording of the video meeting via link in the signed/stamped documents, this feature is disabled by default.  Once enabled, a page is added to the document with the Video ID, URL link and password to access recording, it must to be enabled with the Recording Archive storage if you want to access the recording from the signed document any later than 7 days after completion of the signing process.

RON Summary Cost – Email Notification that includes a breakdown of the Secured Signing credits used during the RON session.

Extra Settings

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1. Stamped document sent to invitee by Notary or by Secured Signing. The Notary can set up if the system will automatically send the signed document to clients on completion or if the document needs to be sent manually by the notary. If the ‘Notary Public’ option is chosen, the notary has full control of when the client will receive the signed notarized/stamped document, and can be held until payment by the client is completed.

2. Invitee Receive Completion Certificate – Once enabled, the Invitee will receive a PDF attachment of a document that offers detailed information relating to a signer’s digital identity and document activity.

3. Invitee Authentication Type – many US states require a RON meeting to include Identity proofing – Knowledge-based Authentication (KBA) and Credential Analysis – ID Verification before starting/joining a RON meeting. Tick KBA and ID Verification to include these in your process. SMS adds extra security to access the signing process with an SMS code that will send to the clients mobile phone. You need to know and enter the client’s phone number during the invitation process before sending the document.

4. ID Verification Setting – you can set up matching data that you already know about the invitee, and therefore should appear on their ID such as names, DOB, ID Number, ID Expiry date. If this doesn’t match, you can set the process to stop or continue. By Default if data doesn’t match the signing process continues. In any case, if something doesn’t match an email notification will be sent to the sender/notary

5. If No Facial Match – You also can perform a Facial Match, if the Face Matching with the ID picture is below the minimum score the face matching result will be failed. You can set the process to continue or stop the signing process. In either case an email notification will send to the notary/sender stating the face match  has failed

 

6. Add a link to ID Verification results in signed document – this link will allow anyone who has a copy of  the document to access a page  with the official name of the signer/invitee as it was on the ID , type of ID used, date of the check and results of the check (pass or fail).


Note: Invitee can do the KBA and ID Verification any time before the RON meeting, and then just click on the email invitation and it will take them to join the meeting if they previously passed KBA and ID Verification.

Tamper-Proof Notary X509 Federal Bridge Digital Certificate IdenTrust

If your state requires to use a Digital Certificate from an approved provider, you can purchase one from IdenTrust here.

Click Set up Certificate to start the process.

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1. Select the Certificate provider and the way you want to use your certificate. You can upload it to Secured Signing or install the app in your Windows workstation to use the certificate on-premises.

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2. Upload Certificate Process – The backup file you created while installing the certificate in your desktop browser. You need to use your password in order to access the file and then press verify.

Note: Please ensure you’re uploading the certificate for signing not for encryption.

Once verified press save and you’re ready to use it in the signing process. Every time a Notary will notarize or sign a document we will use this certificate to create an X509 Digital Signature.

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3. Upload Certificate Process – In case you have a USB token/hardware to store your certificate or you want to keep the certificate on your premises/Desktop windows OS only, select remote Certificate Sign and press next.

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4. Click verify to select the right certificate in your PC , and enter the certificate password.

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5. Then you will get this screen. Once saved you will need to download and install the Secured Signing Remote Certificate Sign App in your PC, click download to do it now. You can also do this later, or the first time you need to sign.

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Notary: Email / Passcode

Email invitations and reminders are sent to the invitee with a passcode. The invitee needs to click on the email link and enter the pass code that is in the email. This is the basic authentication level, based on email address confirmation by receiving the email. 

passcode