Remote authentication and identification proofing systems and methods

An apparatus for processing a remote transaction between a first and second user including an electronic document including a processor configured to execute a plurality of instructions stored in a memory coupled to the processor, the processor configured to process the transaction in real time or substantially real time, the instructions comprising:

• initiating by the processor a communication with a first computing device over a network;
• receiving by the processor an electronic document to be notarized or witnessed over the network;
• one of the first user being online or not being online, authenticating by the processor an identification of the first user electronically executing the document, the authentication further comprising automatically serving to the first user one or more knowledge based questions and if responses to the one or more knowledge based questions are correct, establishing by the processor on-demand a real-time audio and video communication between the first user and second user;
• initiating by the processor an online identification proofing of the first user by the second user including authenticating by the processor one or more identification-related forms of the first user and if the identification proofing is confirmed by the processor, affixing by the processor an electronic signature to the electronic document;
• and notarizing and securitizing by the processor the electronic document.