A RON (Remote Online Notary) is the ideal option when all parties are not able to be physically present or when it’s inconvenient to meet in person. This could be for any number of reasons, like the signer residing out-of-state, a concern for health when one party is feeling unwell, or any time when movement is restricted.
We utilize the Secured Signing platform to ensure safety and compliance. To prevent fraud, signers go through a multi-factor authentication in order to join the virtual session.  
 

Step 1 - The multi-factor authentication process typically includes credential analysis (ID) and a series of knowledge-based authentication (KBA) questions. For credential analysis, the borrower must capture an image of the front and back of his or her government-issued photo ID. Knowledge-based authentication requires the borrower to successfully answer a few questions, which are randomly generated by information retrieved from their credit report. Typically, KBA takes the form of five multiple-choice questions.
 

Step 2 - Once the borrower has successfully completed credential analysis and KBA, the signer will enter the virtual session and be connected with the notary. The notary visually confirms that the person who appears on the video feed matches the person in the uploaded ID before moving forward.

 

Both ID verification technology and KBA add additional levels of security that go beyond what a notary can do, but do not replace the notary’s role. During the session, the signer and notary have access to the loan documents. After all necessary fields have been completed, a tamper-evident seal is applied to the electronic documents so they can’t be altered without detection. A recording of the closing is also saved and securely stored. 

 

You can count on First State Apostille & Notary Services, LLC. to not only meet, but exceed all your needs and requests.  Contact Us to learn more about the services we provide.