RON RON Signer Identity Verification 2

Question 1

What is 'dynamic KBA' and how does it differ from 'static KBA'?

Accepted Answer

Dynamic KBA generates questions in real time from data sources; static KBA uses pre-set questions stored by the user

Answer

Dynamic KBA requires a government ID; static KBA does not

Answer

Dynamic KBA is used for real estate; static KBA is used for loan documents

Answer

Dynamic KBA is conducted by the notary; static KBA is automated

Question 2

How many KBA questions must a signer typically answer correctly to pass identity verification for RON?

Accepted Answer

A minimum threshold set by state law, often 4 out of 5 questions within a time limit

Answer

All questions must be answered correctly with no limit on time

Answer

Only 1 correct answer is needed to proceed

Answer

The notary decides how many correct answers are sufficient

Question 3

What is the purpose of 'liveness detection' technology in some advanced RON identity verification systems?

Accepted Answer

To confirm that the person on camera is a live human and not a photo, video, or deepfake

Answer

To detect whether the signer is under duress during the session

Answer

To verify that the notary's camera meets minimum resolution standards

Answer

To ensure the signer is physically located within the authorized state

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?

Accepted Answer

In-person identity proofing before a commissioned notary prior to the RON session

Answer

Using a co-signer who can vouch for the person's identity remotely

Answer

Submitting two utility bills as alternative identification

Answer

Answering additional questions submitted by the title company

Question 5

Under RON rules, at what point in the session must identity verification be completed?

Accepted Answer

Before any documents are signed or notarized

Answer

After all documents have been reviewed but before the notary applies their seal

Answer

At any point during the session at the notary's discretion

Answer

Only when the signer requests it

Question 6

What information about the identity verification process must the notary record in their electronic journal?

Accepted Answer

The type of ID presented, the identity verification method used, and whether verification was successful

Answer

Only the signer's name and the date of the session

Answer

The specific KBA questions asked and the signer's answers

Answer

The name of the KBA software provider and their license number