RON RON Signer Identity Verification 2 — Questions and Answers
Question 1: What is 'dynamic KBA' and how does it differ from 'static KBA'?
- Dynamic KBA generates questions in real time from data sources; static KBA uses pre-set questions stored by the user (Correct answer)
- Dynamic KBA requires a government ID; static KBA does not
- Dynamic KBA is used for real estate; static KBA is used for loan documents
- Dynamic KBA is conducted by the notary; static KBA is automated
Correct answer: Dynamic KBA generates questions in real time from data sources; static KBA uses pre-set questions stored by the user
Dynamic KBA generates unique questions in real time by querying third-party public records databases, while static KBA relies on questions the user created in advance.
Question 2: How many KBA questions must a signer typically answer correctly to pass identity verification for RON?
- A minimum threshold set by state law, often 4 out of 5 questions within a time limit (Correct answer)
- All questions must be answered correctly with no limit on time
- Only 1 correct answer is needed to proceed
- The notary decides how many correct answers are sufficient
Correct answer: A minimum threshold set by state law, often 4 out of 5 questions within a time limit
Most states require signers to correctly answer a minimum number of KBA questions (commonly 4 out of 5) within a specified time limit, such as two minutes.
Question 3: What is the purpose of 'liveness detection' technology in some advanced RON identity verification systems?
- To confirm that the person on camera is a live human and not a photo, video, or deepfake (Correct answer)
- To detect whether the signer is under duress during the session
- To verify that the notary's camera meets minimum resolution standards
- To ensure the signer is physically located within the authorized state
Correct answer: To confirm that the person on camera is a live human and not a photo, video, or deepfake
Liveness detection technology analyzes the video feed to confirm that the person presenting ID is a real, live human being rather than a photograph, pre-recorded video, or AI-generated deepfake.
Question 4: When a signer is unable to complete KBA due to a 'thin file' (insufficient public records), what alternative identity verification may some states allow?
- In-person identity proofing before a commissioned notary prior to the RON session (Correct answer)
- Using a co-signer who can vouch for the person's identity remotely
- Submitting two utility bills as alternative identification
- Answering additional questions submitted by the title company
Correct answer: In-person identity proofing before a commissioned notary prior to the RON session
Some states allow signers who cannot complete KBA due to insufficient public records to verify their identity in person before a notary prior to the remote session.
Question 5: Under RON rules, at what point in the session must identity verification be completed?
- Before any documents are signed or notarized (Correct answer)
- After all documents have been reviewed but before the notary applies their seal
- At any point during the session at the notary's discretion
- Only when the signer requests it
Correct answer: Before any documents are signed or notarized
Identity verification must be successfully completed before any notarial act is performed, ensuring the notary has confirmed the signer's identity prior to the signing.
Question 6: What information about the identity verification process must the notary record in their electronic journal?
- The type of ID presented, the identity verification method used, and whether verification was successful (Correct answer)
- Only the signer's name and the date of the session
- The specific KBA questions asked and the signer's answers
- The name of the KBA software provider and their license number
Correct answer: The type of ID presented, the identity verification method used, and whether verification was successful
The electronic journal entry must document the type of government ID presented, the identity proofing method used (KBA, credential analysis, etc.), and whether the verification was successful.
RON RON Signer Identity Verification 2
What is 'dynamic KBA' and how does it differ from 'static KBA'?