GA Notary Remote Online Notarization 3 — Questions and Answers
Question 1: What is knowledge-based authentication (KBA) in the context of Georgia remote online notarization?
- A method where the notary personally knows the signer
- A dynamic quiz using personal-history questions to verify the signer's identity (Correct answer)
- A biometric fingerprint scan of the signer
- A government database lookup conducted by the notary
Correct answer: A dynamic quiz using personal-history questions to verify the signer's identity
KBA is a dynamic challenge-quiz process where the signer answers questions derived from personal records to verify identity during a RON session.
Question 2: In Georgia RON, credential analysis is used to verify which of the following?
- The notary's official seal authenticity
- The authenticity of the signer's government-issued photo identification (Correct answer)
- The signer's credit history
- The document's chain of title
Correct answer: The authenticity of the signer's government-issued photo identification
Credential analysis examines the signer's government-issued photo ID to confirm it is genuine and that it belongs to the person presenting it.
Question 3: During a Georgia RON session, what must the notary do if the knowledge-based authentication (KBA) process fails?
- Proceed with notarization and note the failure in the journal
- Refuse to complete the notarization (Correct answer)
- Allow the signer unlimited retries until they pass
- Request a supervisory override from the GSCCCA
Correct answer: Refuse to complete the notarization
If identity verification fails, the notary must refuse to perform the notarization because satisfactory identity proofing is a mandatory legal requirement.
Question 4: Which form of identification is used in the credential analysis step of Georgia RON identity verification?
- A utility bill showing the signer's address
- A government-issued photo ID such as a driver's license or passport (Correct answer)
- A Social Security card
- A recent bank statement
Correct answer: A government-issued photo ID such as a driver's license or passport
Credential analysis uses government-issued photo identification because only such documents contain the security features needed for electronic verification.
Question 5: How many identity verification methods does Georgia RON law generally require before a notarization may proceed?
- One method is sufficient
- Two methods: credential analysis and KBA (or equivalent) (Correct answer)
- Three independent methods
- None, if the notary has previously notarized for the same signer
Correct answer: Two methods: credential analysis and KBA (or equivalent)
Georgia requires at least two identity verification methods — credential analysis and KBA — before a RON may be completed.
Question 6: If a signer cannot pass KBA because they have insufficient public records history, what option does Georgia RON law typically allow?
- The notary may skip identity verification entirely
- The notary may accept a personal guarantor's attestation by phone
- An alternative identity verification method approved by the RON platform may be used (Correct answer)
- The notarization must be abandoned and rescheduled in person
Correct answer: An alternative identity verification method approved by the RON platform may be used
If KBA is not feasible due to insufficient data, an alternative identity proofing method approved by the RON technology provider may be used.
Question 7: During a Georgia RON session, the notary must visually confirm that the signer's government-issued credential matches which of the following?
- The name printed on the document being notarized
- The person appearing on the live audio-visual feed (Correct answer)
- The address registered with the RON platform
- The signature on file with the county clerk
Correct answer: The person appearing on the live audio-visual feed
The notary must confirm that the photo on the credential matches the live person appearing via audio-visual feed during the RON session.
GA Notary Remote Online Notarization 3
What is knowledge-based authentication (KBA) in the context of Georgia remote online notarization?