# US 2019/0319948 A1 · Remote authentication and identification proofing systems and methods > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2019/0319948 A1 - Document ID: US20190319948A1 - Status: Published application - Kind: A1 - Application number: 15/950,849 - Filed: 2018-04-11 - Published: 2019-10-17 - Earliest claimed: 2018-04-11 - Assignees: Settleware Secure Services, Inc. - Inventors: C. Richard Triola; David Kressel; Timothy Lai - Web page: https://patentgrep.com/patent/US20190319948A1 ## CPC - H04L 63/08: {for authentication of entities (cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32)} - H04L 63/0861: {using biometrical features, e.g. fingerprint, retina-scan (cryptographic mechanisms or cryptographic arrangements for entity authentication using biological data H04L9/3231)} - H04L 9/3218: {using proof of knowledge, e.g. Fiat-Shamir, GQ, Schnorr, ornon-interactive zero-knowledge proofs} - H04L 9/3231: {Biological data, e.g. fingerprint, voice or retina (network architectures or network communication protocols for supporting authentication of entities using biometrical features in a packet data network H04L63/0861)} - H04L 9/3239: {involving non-keyed hash functions, e.g. modification detection codes [MDCs], MD5, SHA or RIPEMD} - H04L 9/3247: {involving digital signatures} - H04L 9/50: {using hash chains, e.g. blockchains or hash trees} - H04L 2463/082: applying multi-factor authentication - H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M) ## Abstract A remote notary system, authentication, and identity proofing system is disclosed that is allows documents to be notarized and witnessed online. In some embodiments, more than one signatory or observers may be included in a remote notary session at the same time. ## Claims ### Claim 1 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. ### Claim 2 (depends on 1) The apparatus of claim 1 wherein the securitizing further comprises one of blockchain, evault, registry, custodian account, passwords, personal identification numbers (PIN), multifactor authorization (MFA) and watermarking. ### Claim 3 (depends on 1) The apparatus of claim 1 wherein the identification proofing further comprises biometrics. ### Claim 4 (depends on 1) The apparatus of claim 1 wherein the instructions further comprise storing by the processor an identification number or a transaction number associated with the electronic document in an electronic journal, blockchain or ledger. ### Claim 5 (depends on 1) The apparatus of claim 1 wherein the identification proofing comprises a multi-factor authentication. ### Claim 6 (depends on 1) The apparatus of claim 1 wherein the initiating by the processor a communication with a first computing device over a network further comprises initiating by the processor a communication with a second computing device to enable a third user to electronically sign the electronic document. ### Claim 7 (depends on 1) The apparatus of claim 1 wherein the instructions further comprise making available to the first user the electronic document. ### Claim 8 (depends on 1) The apparatus of claim 1 wherein the electronic document is configured to be edited by the first and second user over the network. ### Claim 9 (depends on 1) The apparatus of claim 1 wherein the automatically serving to the first user one or more knowledge-based questions includes serving to the first user one or more knowledge-based questions dynamically, wherein the one or more knowledge based questions is served in real-time based on the identification of the first user and randomized from a plurality of sources and a response to the one or more knowledge based questions is non-weighted. ### Claim 10 (depends on 1) The apparatus of claim 1 wherein the instructions further comprise recording the real-time audio and video communication between the first user and second user ### Claim 11 (depends on 1) The apparatus of claim 1 wherein the instructions further comprise issuing metadata from the transaction. ### Claim 12 A computerized method for processing a remote transaction between a first and second user including an electronic document, the processing occurring in real time or substantially real time, the method comprising: initiating by the processor a communication with a first computing device over a network; receiving by a 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. ### Claim 13 (depends on 12) The method of claim 12 wherein the securitizing further comprises one of blockchain, evault, registry, custodian account, passwords, personal identification numbers (PIN), multifactor authorization (MFA) and watermarking. ### Claim 14 (depends on 12) The method of claim 12 wherein the identification proofing further comprises biometrics. ### Claim 15 (depends on 12) The method of claim 12 further comprising storing by the processor an identification number or a transaction number associated with the electronic document in an electronic journal, blockchain or ledger. ### Claim 16 (depends on 12) The method of claim 12 wherein the identification proofing comprises a multi-factor authentication. ### Claim 17 (depends on 12) The method of claim 12 wherein the initiating by the processor a communication with a first computing device over a network further comprises initiating by the processor a communication with a second computing device to enable a third user to electronically sign the electronic document. ### Claim 18 (depends on 12) The method of claim 12 further comprising recording the real-time audio and video communication between the first user and second user. ### Claim 19 (depends on 12) The method of claim 12 wherein the electronic document is configured to be edited by the first and second user over the network. ### Claim 20 (depends on 12) The method of claim 12 wherein the automatically serving to the first user one or more knowledge-based questions includes serving to the first user one or more knowledge-based questions dynamically, wherein the one or more knowledge based questions is served in real-time based on the identification of the first user and randomized from a plurality of sources and a response to the one or more knowledge based questions is non-weighted.