The NNAs Electronic Notary Seal Program Creating and managing notarial acts electronically in realti

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The NNAs Electronic Notary Seal ProgramCreating
and managing notarial acts electronically in
real-time
Richard J. Hansberger, Director of
eNotarization National Notary Association
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Introduction

• The National Notary Association announces the
  official launch of the Electronic Notary Seal
  Program
• A national effort
• A collaborative effort
• The Electronic Notary Seal (ENS) Program is an
  online web application (like online banking) that
  provides states and private industry with
• Technologies to facilitate secure electronic
  notarization within and across jurisdictions
• Standards to promote interoperability across
  transactional partners relying on notarization
• The PRIMARY goal of the ENS Program is to
  authenticate Notaries in real time
• Must be FREE to participating states
• Must allow ANYONE to verify the status of an
  electronic notary seal at no cost in real time

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ENS Program Online Notary Management

• Enables state government to manage Electronic
  Notary Seals
• State can issue, revoke, suspend, and renew
  Electronic Notary Seals securely online
• All relying parties can independently verify the
  status of an ENS in real time using secure web
  services
• Enables private industry to develop electronic
  document management systems that incorporate
• Notary Authentication verify status of ENS in
  real time
• Notary Recordkeeping record journal entries (1
  or 1,000,000)
• Notary Certificates download compliant
  certificates for electronic documents
• Enables development of competitive vendor
  solutions for electronic document management that
  depend upon trusted notaries
• Relies on web services for interoperability
  across systems
• Relies on open standards for greater acceptance
  and ease of use

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ENS Program Justification

• Lack of uniform legislative/regulatory framework
  hinders progress.
• Inconsistent (sometimes competing) state notary
  laws and regulations lead to confusion in the
  marketplace (Is it legal? Will it hold up in
  court?)
• There is a need for effective, uniform electronic
  notary legislation.
• The benefits could be enormous
• Trust in the Notary office is compromised in the
  paper world, but the ENS Program can help resolve
  issues of abuse, misuse, and misrepresentation
• Electronically notarized transactions could
  realize significant cost savings for companies,
  government agencies

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ENS Program Justification

• Industry complains our system lacks technological
  predictability.
• Industry needs to do it one way across all 50
  states, or else the cost-saving benefits of
  electronic documents cannot be realized.
• To accomplish this goal, the NNA has confirmed
  with state government officials and industry
  leaders that
• A consistent, interoperable technology for notary
  authentication is needed by industry to implement
  national electronic document systems.
• A consistent, interoperable approach will also
  fuel a competitive marketplace among vendors
  offering such solutions.

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ENS Program Justification

• Presumption that costs to entry are formidable
  has negatively impacted progress in electronic
  notarization.
• Lack of clear guidelines for authenticating
  notaries means cost of compliance for business is
  too high.
• State governments are finding it difficult to
  shoulder the burden of providing this
  interoperable technology.
• A need for a no- or low-cost notary
  authentication technology is of paramount
  concern.

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ENS Program Participants

• Industry
• Early Adopters - mortgage banking, real estate,
  title companies
• Countrywide, Stewart Title
• State Government
• AZ (Secretary of State, Maricopa County Recorder)
• CA (San Bernardino and Orange County Recorders)
• Notaries
• Only in corporate environments currently
• Carefully regulated through the ENS Program by
  state officials

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ENS Program Components

• Notary Authority
• Notary Registry
• Notary Digital Certificate Authority
• Electronic Notary Seal
• Image, XML, digital certificate
• Secured in Notary Authority, accessible only by
  notary
• Released for use by notary upon proper
  authentication
• Electronic Journal
• Web-based recordkeeping provides independent
  record of transaction
• XML file format ensures access to data over time
• Mandated recordkeeping can be enforced
• Security of records greatly enhanced
• Electronic Notary Certificates
• Provides XML store of compliant certificate data
  for use by notaries

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ENS Program Components

• Notary Exchange Standard (NES)
• A secure exchange standard through which
  transacting parties can access NES web services
• Notary authentication
• Notary recordkeeping
• Notary certificates
• The NES is responsible for the secure exchange of
  data between the Notary Authority and a
  requesting party
• Relies on OASIS WS-Security specification for
  authentication
• The flexibility of the WS-Security specification
  allows different authentication methods to access
  NES services
• Interoperable with web and desktop clients
  developed by any vendor

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ENS Program Components
Notary Authority
Notary Exchange Standard Web Services
Notary Authentication
Electronic Journal
Notary Certificates
Notary Exchange Standard Security
Interceptors HTTPS / VPN
Vendor Web/Desktop Client Development Notary
authentication AT NO COST to third
parties. Electronic journal is optional licensed
service. Notary certificates are optional
licensed service.
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ENS Assurance Levels

• HIGH
• Means the notary works for an NNA Trusted Partner
  (corporate or government agency).
• Notary authenticates to the Notary Authority NES
  using a username/password.
• Recordkeeping is required.
• MEDIUM
• Means the notary works independently using an NNA
  web or desktop client.
• Notary authenticates to the Notary Authority NES
  using an NNA web or desktop client (with digital
  certificate).
• Recordkeeping is required.
• LOW
• Means the notary works independently using a
  third-party web or desktop client.
• Notary authenticates to the Notary Authority NES
  using a digital certificate (PKI) protocol.
• Recordkeeping is strongly recommended.

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ENS State Services

• Online Administrative Portal (Online Banking)
• Issuance, Revocation, Renewal
• State grants authority to perform electronic acts
  and authorizes notary to receive ENS
• State can suspend, revoke, renew the ENS at any
  time
• Suspension and revocation are immediately
  extended to all relying parties
• Auditing
• State can review and report on all ENS issuance,
  suspension, revocation, and renewal
• Online Verification of Electronic Notarial Acts
• Enables third parties (when authorized) to verify
  the facts of a notarial act online
• When it was recorded
• Transacting parties
• Other pertinent details
• Notarys electronic journal records transaction
  for both paper and electronic documents

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Benefits of ENS Program - Government

• Enables state government to regulate notaries in
  the electronic age
• Enables state government to support electronic
  notarization pilots securely
• Enables relying parties to verify facts of a
  notarial act performed on both paper and
  electronic documents
• Can support the certification of public documents
  between states and internationally (eApostilles)
• Prevents fraud and abuse of notarial office by
  enabling faster, more accurate investigations
• Protects citizens from identity crimes and
  document fraud

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Benefits of ENS Program - Industry

• Provides a Service Oriented Architecture that
  allows private industry to focus on core
  technology development rather than eNotarization
  development
• Promotes development of competitive electronic
  transaction technologies relying on eNotarization
• Provides widely accepted standards and
  technologies to enable real-time authentication
  of notaries
• Promotes the use of PKI and non-PKI solutions
  using the same core technology, which provides a
  more realistic and stable foundation for further
  innovation

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Benefits of ENS Program - Notaries

• Facilitates emergence of a burgeoning eNotary
  market where competitive solutions translate into
  competitive pricing for the average notary.
• Provides a common (national and international)
  notary authentication protocol.
• Further promotes the professionalization of the
  American notary office.
• Protects the public from fraud and abuse of the
  Notary office.

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What is an Electronic Notary Seal?

• Paper Documents
• Bar Code (CODE 39 BarCode format)
• Electronic Documents
• XML (text)
• Image
• Digital Certificate (when required)
• Digital Certificates (when required)
• Hardware Based
• Stored on USB-enabled device or smart card
• Browser Based
• Stored in CAPI on Windows
• Roaming
• Stored on split-key VeriSign server
  (cross-platform)

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What is an Electronic Notary Seal?
Firewall Proxy Server
Web Services

• Electronic Notary Seal Authentication
• Notary authenticates through NES to the Notary
  Authority
• Authentication is a WSS protocol
• Username/Password (requires HIGH ENS Assurance
  Level)
• X.509 Digital Certificate
• SAML Token
• Proper authentication releases seal to
  requesting notary
• Revocation controlled centrally and
  independently verifiable by state government and
  all relying parties

Notary Authentication
Notary Exchange Standard Security
Interceptors HTTPS or VPN
Vendor Web/Client Development Notary
authentication AT NO COST to third parties.
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How does a Notary receive an Electronic Notary
Seal?
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Notary Completes Application through State
Notary must satisfy legal requirements and be
identified in person
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NOTARY AUTHORITY
State authorizes Notary to receive ENS
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Notary receives authorization to use ENS
Notary authenticates to Notary Authority to
release seal ENS may be validated
independently by third parties
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What happens when a Notary usesan Electronic
Notary Seal?
1. Meets with document signers,verifies signers
identity, capacity and willingness to sign
2. Prior to notarizing document, electronic
signing system verifies Notarys ENS through the
Notary Authority.
3. Electronically notarizes document using ENS.
4. Electronic Journal updated online with notary
act details.
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What happens when a Notary usesan Electronic
Notary Seal?
Notary Authority
Notary Registry
Notary Seal
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Release Notary Seal
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OK?
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Notary E-Signs Document
Signer E-Signs
Notary Logs In
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Notary Journal
Journal contains transaction details Document
ID Digital Fingerprint of Document (Hash)
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How does the state revoke an Electronic Notary
Seal?
NOTARY AUTHORITY
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State Official authorizes revocation or
suspension
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Notary receives notification of revocation
Notarys attempt to authenticate is denied
ENS revocation/suspension may be validated
independently by third parties
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Call to Action

• The NNA is now asking more states and industry
  leaders to participate.
• The NNA urges states to consider adoption of the
  Model Notary Act, Article III as a first step
  if authorizing legislation does not already
  exist.
• Formation of state-specific eNotarization Task
  Force in California underway other state task
  forces a possibility, or perhaps even a national
  task force

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Demo - The ENS Portal
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Demo - The ENS Portal
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Demo - The ENS Portal
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Demo - The ENS Portal
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Demo - The ENS Portal
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Demo - The ENS Portal
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Demo - The ENS Portal
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Demo - The ENS Portal
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Demo - The ENS Portal
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Demo - The ENS Portal
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Demo - The ENS Portal