Montana Mountains

FAQs

Answers and more information about notarization
Any document can be notarized using Digital RON technology.

HOWEVER

It is at the discretion of whoever issued the documents whether they accept documents notarized with RON technologies.

Please verify with whoever issued your documents whether your documents can be signed using Remote Online Notarization technology.

Montana Online Notary provides Remote Online Notarization and Wet Ink Remote Notarization services for any of your Notarial needs. These notarial events are recognized by the state of Montana and can be recorded at any recorders office in Montana.
The signers will need; 
  1. Access to a smartphone and computer (with webcam and microphone). The web application that verifies the users identity will require the signers to follow an email (or text) from their smartphone to take a photo of their ID to upload for review.

    It is possible for those who tech savvy to find a way to use their web browser instead of their smartphone to upload their ID, by opening a new browser tab  to access their email in order to use their computers camera to take photos of their ID to upload for the web application to review.

  2. Unexpired drivers license, passport, federal, state or tribal issued identification

  3. To submit your Social Security Number for the Knowledge Based Authentication (KBA) "quiz" based off the users work and living history.

  4. 15-30 minutes to commit to the session. The quicker the signer can navigate through the ID upload and KBA, the quicker the Remote Online Notarization process will take.
The Knowledge Based Authentication (KBA) is a dynamic quiz based off the users Social Security Number that is used to verify a users identity. The questions consist of the work, living and vehicle history of the signer and requires 4 out of 5 questions to be answered correctly to proceed. The KBA is the same process used by Experian, Equifax and TransUnion to verify their users identities.

The Knowledge Based Authentication is a requirement to receive a Remote Online Notarization from any state.

There is a limit of two Knowledge Based Authentication Attempts per day.
One of the basic requirements to receive a remote online notarization is for the signers to submit their Social Security Number and upload their ID to allow software to verify their identity.  

The software analyzes the signers ID for authentication, and the signers will also have to undergo a Knowledge Based Authentication (KBA) “quiz” based off of their Social Security Number. The KBA is a 5 question multiple choice quiz where the signer must answer questions based on their work and living history, and requires 4/5 questions to be answered correctly for the software to verify your identity. The KBA is the same process the major credit bureaus use to verify their users identities. There is a limit of 2 attempts of the KBA per day. 

Montana Online Notary administers software called SigniX that provides the encrypted Zoom video channels, identity verification software and the encrypted PDF signing software all through web applications from the browser.

To begin the RON session, the Notary will send email links to the signers to establish Zoom video communication. Once everyone is present, the Notary will send email links to the signers to begin the SigniX identity verification process. Once the signers identity is verified by SigniX, the users proceed to sign the documents via PDF, then the software prompts the notary signs off on the document, and the video and PDF events are stored for archive.

A YouTube video of the process can be found here
youtube.com/watch?v=XHgK7-rfIy0

  1. To begin, an email will be sent to the signer, which will contain a link leading to an encrypted ZOOM video room where the notary will be waiting. Once everyone is present and communication is established, the notary will send a second email, which will begin the SigniX verification and signing process.

  2. When you follow the link, SigniX will ask for the expiration date of the identification [passport, drivers license, state ID] you intend to use.

  3. The next page will ask for your Social Security Number, date of birth and your consent to the use of the technology.

  4.  SigniX will then administer the Knowledge Based Authentication, which is a 5 question dynamic quiz based on public and private records of the signers. It is a mix of questions based off the signers personnal residential, work and vehicle history. We like to refer to this portion as the memory lane experience. It requires 4 out of 5 questions answered correctly to proceed.

  5.  You must keep the SigniX web browser tab open for this next part. After the KBA is successful, SigniX will ask for either your email or phone number to transition you to your smartphone for the identification upload. You can upload the ID from your computer if you choose to send an email but is more difficult to take a stable photo. You must keep the SigniX web browser tab open to return to momentarily.

  6.  Once you follow the email/SMS text message link on your smartphone, you will be required to take 2 photos, one of the front of your ID with a black background and the second photo the backside of your ID with a black background. The verification process takes a minute and once it clears you will return to the SigniX desktop web browser application.

  7.  Once you return to the desktop web application, it will ask for your consent to use the technology once again, and the next page will prompt you to create a password for your account and give you an opportunity to customize your signature for the document if you'd like. If not, proceed.

  8.  Once your password is set, the last step for the signers is to digitally sign the document itself. You will receive a popup giving you the chance to "Let Me Review" the document or "Go!". Click go, and proceed to sign the document by clicking your name at the signature spots. Once finished, click "Finish", and the notary will complete the notarial process.
A traditional notarization requires the signer make a personnal appearance with the notary in person. They then sign the documents, present their identification and documents to the notary, and sign the notary journal for the record. The notary would then inspect the signers ID, complete the notarial certificate that's attached to the document, administer the notarial acts (if any), then sign and stamp/notarize the documents in wet ink.

A remote online notarization is a fully digital process. The signers make a personnal appearance with the notary on live webcam instead of in person.
The signers identities are verified by web browser applications. The notary administers this software, and the software prompts the signer to upload their ID and submit their SSN to undergo a "Knowledge Based Authentication" quiz based on their past living and work history for identity verification. Once the software verifies the signers identity, the users proceeds to sign the PDF digitally and gives control to the notary. The notary will then complete the notarial act and digitally sign and notarize the PDF.

The final document of a remote online notarization is the signed and notarized PDF, encrypted with the notary's Digital x509 Public Key Certificate to prevent tampering of the file and providing authenticity of the notarial event on a digital level.
Wet Ink Remote Notarization is the process where the signers will sign the tangible document in wet ink, and then mail the document to the Notary. 

Once the notary receives the documents, the Notary will begin a complete Digital RON session with the signers to verify their identities digitally. 

Once the Digital RON process is completed by the signers, the notary will place their traditional wet ink stamp and signature to the document.

A Remote Wet Ink Notarization from Montana is indistinguishable from a traditional wet ink notarization.

  1. The document is completely filled in, signed and dated (if asked by the document) by the signers, and the document is delivered to the Notary. 

  2. Once the Notary receives the documents, the Notary conducts a Remote Online Notarization to establish personnal appearance, the signer will acknowledge to the Notary that they signed the tangible documents that were delivered to the notary, and to begin the digital identification process.

  3. Finally, with signers identity verified digitally and the signer acknowledging their signature, the Notary signs and notarizes the tangible document with traditional wet ink. 
*Acknowledgements are the only notarial act are available with Wet Ink Remote Notarization. Jurats, signature witnesses, or any other notarial act is not valid for Wet Ink Remote Notarization service.

If the signer has an invalid ID, or doesnt have an American Social Security Number, then the signer will need to have a Credible Witness to vouch for the signers identity.

The Credible Witness will need join the video conference, and undergo the entire SigniX identity verification process instead of the signer. Once the Credible Witness passes the SigniX identity verification, the Credible Witness is placed under Oath and declares to the record that they personally know the signer and the signer is who they claim to be. Once everything is by the Credible Witness is completed, the signer will then proceed as normal to sign the documents.