Current through Register Vol. 49, No. 18, September 16, 2024
PURPOSE: this rule sets out the credentials that
remote online notary (RON) must meet for use by electronic notaries in
Missouri.
(1) Remote Online
Notarization (RON) providers must use automated software processes to aid the
notary in verifying each principal's identity.
(2) The credential must pass an authenticity
test, consistent with sound commercial practices that-
(A) Uses appropriate technology to confirm
the integrity of visual, physical, or cryptographic security
features;
(B) Uses appropriate
technology to confirm that the credential is not fraudulent or inappropriately
modified;
(C) Uses information held
or published by the issuing source or authenticity source(s), as available, to
confirm the validity of credential details; and
(D) Provides the output of the authenticity
to the notary.
(3) The
credentials analysis procedure must enable the notary to visually compare both
of the following for consistency:
(A) The
information and photo on the presented credential image; and
(B) The principal as viewed by the notary in
real time through the audio/video system.
(4) Credentials must be a government issued
document meeting the requirements of the state that issued the document, may be
imaged, photographed, and video recorded under state and federal law, and can
be subject to credential analysis.
(5) The credential image capture procedure
must confirm that-
(A) The principal is in
possession of that credential at the time of the notarial act;
(B) That the credential image submitted for
analysis has not been manipulated; and
(C) The credential image matches the
credential in the principals possession.
(6) The following general principles should
be considered in the context of image resolution:
(A) The captured image resolution should be
sufficient for the service provider to perform credential analysis per the
requirements above;
(B) The image
resolution should be sufficient to enable visual inspection by the notary,
including legible text and clarity of photographs, barcodes, and other
credential features; and
(C) All
images necessary to perform visual inspection and credential analysis must be
captured - e.g. U.S. Passport requires identity page; state driver's license
requires front and back.
(7) A Dynamic Knowledge-Based Authentication
(KBA) procedure must meet the following requirements:
(A) Each principal must answer questions and
achieve a passing score from-
1. At least
five (5) questions drawn from public or private data sources;
2. A minimum of five (5) possible answer
choices per question;
3. At least
four (4) of the five (5) questions answered correctly to pass (a passing score
of eighty percent (80%)); and
4.
All five (5) questions answered within two (2) minutes.
(B) Each principal must be provided a
reasonable number of attempts per signing session.
1. If a principal fails their first quiz,
they may attempt up to two (2) additional quizzes within forty-eight (48) hours
from the first failure.
2. During
any quiz retake a minimum of forty percent (40%), or two (2), of the prior
questions must be replaced;
(C) The RON system provider must not include
the KBA procedure as part of the video recording or as part of the system
provided person-to-person video interaction between the notary and the
signatory; and must not store the data or information presented in the KBA
questions and answers. However, the output of the KBA assessment procedure must
be provided to the notary.
(D)
Biometric sensing technology includes, but is not limited to, facial, voice,
and fingerprint recognition.
