Method for remote electronic verification and authentication and screening of potential signatories for remote electronic notary transactions via remote PC encrypted platform to a broadband digitally wireless cellular/PDA device or portable PC device

• US 20080028455A1
• Filed: 07/23/2007
• Published: 01/31/2008
• Est. Priority Date: 07/25/2006
• Status: Active Grant

• Current Assignee: AYIN International, Inc.
• Original Assignee: Brenda Faye Hatter, Jesse Andrew Hatter, Rosie Jean Hatter
• Inventors: Hatter, Rosie Jean, Hatter, Jesse Andrew, Hatter, Brenda Faye
• Granted Patent: US 7,590,852 B2
• Time in Patent Office: Days
• US Class Current: 726/10
• CPC Class Codes: G06F 21/305 by remotely controlling device operation
• CPC Class Codes: G06F 21/32 using biometric data, e.g. fingerprints, iris scans or voiceprints
• CPC Class Codes: G06F 21/6209 to a single file or object, e.g. in a secure envelope, encrypted and accessed using a key, or with access control rules appended to the object itself
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/389 Keeping log of transactions for guaranteeing non-repudiation of a transaction

Abstract

A virtual notary Kiosk is disclosed for performing live electronic personal signatory verification, authentication and screening for the purpose of transacting remote electronic notarizations with live notaries. The virtual notary is a process that is compliant with the Uniform Electronic Transaction Act, and Electronic Signatures in Global and National Commerce Act. The virtual notary incorporates several electronic components, (digital web cam, electronic signature and thumbprint pad, electronic notary seal, electronic notary journal, video/audio transmission software for cellular/PDA or portable pc device, P.O.S. {point of sale} device, and electronic transaction manager {computer}, electronic scanner/printer, electronic remote notary/client software); all of the aforementioned allow both potential signatory and notary to execute electronic notarizations from remote locations.

Claims

1. An remote notary platform comprising:

a kiosk with manual user input capabilities, video monitoring, at least one biometric entry device, internet connectivity, point of sale payment input capability, document scanning and printing capability that is connected through a data link for a transaction with;

a notary that oversees and directs signing and authentication of the signatory wherein;

a potential signatory will initiate interface with the kiosk to create a personal encrypted pin number;

establish a communication connection with a live notary;

the potential signatory submits magnetic stripped data for real-time identification validation;

the live notary will conduct an interview consisting of a series of questions for potential signatory screening;

the signatory will scan document or have access to an electronic repository of document;

the signatory will use the manual user input to sign and satisfying the signature requirements for the specified documents to be electronically notarized;

the signatory will access and sign an electronic notary journal and enter at least one biometric authorization parameter;

identify a delivery mode for the notarized document;

interface with the point of sale payment input device to authorize payment, and

the live notary will affix an electronic notary seal, electronic notary signature and submit the electronic record of notarized documents in the delivery mode identified by the signatory.

2. The remote notary platform according to claim 1 that further includes archival capabilities for the transaction.

3. The remote notary platform according to claim 1 wherein the point of sale device is a magnetic card reader or a data card reader.

4. The remote notary platform according to claim 1 wherein the biometric authorization parameter is a fingerprint reader, a retinal scanner, a facial recognition, a voice recognition device or a signature entry device.

5. The remote notary platform according to claim 1 wherein the manual user input capability is a keyboard, mouse, scanner, touch screen, camera, or trackball.

6. The remote notary platform according to claim 1 that further includes capability to forward the notarized document to a third party.

7. The remote notary platform according to claim 1 wherein the communication connection is by means of the internet, cellular phone, radio communication, microwave dish, cable line, or phone line.

8. The remote notary platform according to claim 1 wherein the transaction is provided over a secure data link.

9. The remote notary platform according to claim 1 wherein data is encrypted over the data link.

10. The remote notary platform according to claim 1 wherein the transaction authorizes notarized documents where more than one signatory is involved.

11. The remote notary platform according to claim 1 wherein the notary service is for a loan, mortgage, deed, assignment, voting or authorization.

12. The remote notary platform according to claim 1 wherein the notary can insert identifiers into the documents to be signed to identify where the signature is required to sign.

13. The remote notary platform according to claim 1 wherein the magnetic stripped data is a driver'"'"'s license, bank card, photo identification, credit card, or military identification.

14. The remote notary platform according to claim 1 wherein the personal encrypted pin number is usable to retrieve previously entered information, transactions and to fill in forms for future transaction.

15. The remote notary platform according to claim 1 wherein the personal encryption pin number is transferable to remote notary platforms that are distal from the remote notary platform where the personal encryption pin number was first created.

16. The remote notary platform according to claim 1 wherein the electronic repository of documents contains documents germane to the county, province, state, or country of their choice and retrieve the electronic documents.

17. The remote notary platform according to claim 1 that further includes a receipt printer for printing a receipt for the monetary payment of the transaction.

18. The remote notary platform according to claim 1 wherein the kiosk is a vertical upright terminal or a desk type terminal.

19. The remote notary platform according to claim 1 wherein the kiosk includes the ability to affix a notary seal to the notarized document.

20. The remote notary platform according to claim 1 wherein the notary journal includes a sortable database to sort for signers, documents, and dates.