8.2 RON Identity Verification Methods

Identity verification in RON sessions is more rigorous than in traditional notarizations. Because the notary cannot physically examine an ID card, RON relies on technology-based verification methods that actually provide a higher level of identity assurance.

Multi-Factor Authentication

RON platforms typically use multiple verification methods in combination:

1. Credential Analysis

The signer presents their government-issued ID to their device's camera. The RON platform's technology:

• Scans the ID for security features (holograms, microprinting, UV elements)
• Verifies the ID format against a database of valid government IDs
• Extracts data (name, date of birth, address, ID number) for verification
• Checks for tampering or alteration
• Compares the photo on the ID to the live video of the signer

This automated analysis can detect many types of fraudulent IDs that might fool a human examiner.

2. Knowledge-Based Authentication (KBA)

After credential analysis, the signer must answer knowledge-based questions — personal questions generated from public and private databases that only the true person should be able to answer.

KBA Question Examples:

• "Which of the following streets have you lived on?"
• "What is the make and model of a vehicle you have owned?"
• "In what city is a property you have owned located?"
• "Which of the following companies have you been associated with?"

KBA Requirements:

• Questions are generated dynamically from credit bureau and public record data
• The signer must answer correctly within a time limit (typically 2-5 minutes)
• A minimum number of correct answers is required (typically 3 out of 5 or 4 out of 5)
• Questions must have multiple plausible answer choices to prevent guessing
• Failed attempts may lock the signer out of the session

3. Biometric Verification

Some states require additional biometric verification:

• Facial recognition — The platform compares the signer's live video image to the photo on their ID
• Live video comparison — The notary visually compares the signer's appearance to their ID photo during the session

Comparison: Traditional vs. RON Identity Verification

RON Platform Requirements

States that authorize RON typically require the technology platform to:

• Be approved or registered with the state's commissioning authority
• Use tamper-evident technology for electronic documents and seals
• Record the entire session (audio and video) in a format that cannot be altered
• Retain recordings for a specified period (typically 5-10 years)
• Protect signer privacy through encryption and secure data handling
• Provide audit trails for all transactions

On the Exam

RON identity verification is an increasingly tested topic:

• Credential analysis + KBA are the primary methods
• KBA uses personal questions from public/private databases
• Biometric verification (facial recognition) is required in some states
• RON verification is MORE rigorous than traditional ID examination
• Entire sessions must be recorded and retained