SYSTEM FOR EXECUTING REMOTE ELECTRONIC NOTARIZATION AND SIGNATORY VERIFICATION AND AUTHENTICATION

• US 20090327144A1
• Filed: 09/04/2009
• Published: 12/31/2009
• Est. Priority Date: 07/23/2007
• Status: Active Grant

• Current Assignee: AYIN International, Inc.
• Original Assignee: Audrella Marie Jackson, Brenda Fate Hatter, Jesse Andrew Hatter
• Inventors: HATTER, JESSE ANDREW, HATTER, BRENDA FATE, JACKSON, AUDRELLA MARIE
• Granted Patent: US 8,190,904 B2
• Time in Patent Office: Days
• US Class Current: 705/75
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/3829 involving key management
• CPC Class Codes: G06Q 20/389 Keeping log of transactions for guaranteeing non-repudiation of a transaction
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 50/18 Legal services
• CPC Class Codes: G07C 9/257 electronically G07C9/26 takes precedence
• CPC Class Codes: H04L 2209/56 Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 2209/805 Lightweight hardware, e.g. radio-frequency identification [RFID] or sensor
• CPC Class Codes: H04L 9/3231 Biological data, e.g. fingerprint, voice or retina network architectures or network communication protocols for supporting authentication of entities using biometrical features in a packet data network H04L63/0861
• CPC Class Codes: H04L 9/3247 involving digital signatures

Abstract

A system 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 or WIFI cellular/PDA device or portable pc device. The system implements the following electronic components, but not limited to, electronic signature device, digital certificates, electronic document, electronic biometric devices, electronic audio/visual software/hardware, and electronic payment systems and devices, all electronically synchronized to afford capable notary publics in executing remote electronic notary transactions via a satellite kiosk network or on-line virtual kiosk application.

Claims

1. A system for remote electronic comprising:

a data input device having an electronic signature digitizer to capture an electronic digital signature;

capturing an electronic digital signature to create a font signature line;

a network server for interface/interlink communication;

a notary that establishes a first communications link with said data input device over said network;

at least three alphanumeric identifiers that are created with a transaction of said notary that are electronically convert into a steganographic cryptographic protocol;

establishing a first communications link with between said data input device and said notary whereby registering said data input device over said network server with a steganographic encryption algorithm;

using said steganographic cryptographic algorithm to combine said font line signature with said steganographic cryptographic protocol to create a unique signature font print line;

establishing a second or subsequent interface with said network server that compares verifies and authenticates said first and prior steganographic cryptographic identification with said second or subsequent interface/interlink communication to verifying said unique steganographic cryptographic identify of said user on said network server to authenticate said user to perform notary service(s) using said a steganographic encryption algorithm.

2. The system for remote electronic notarization according to claim 1 wherein said data input device that further includes a terminal with a point of sale device with either a magnetic card reader or a data card reader.

3. The system for remote electronic notarization according to claim 1 wherein said data input device selected from the group consisting of a terminal with a biometric authorization parameter including a fingerprint reader, a retinal scanner, a facial recognition, a voice recognition device and a signature entry device.

4. The system for remote electronic according to claim 1 wherein said data input device is a terminal with manual user input capability of a keyboard, mouse, scanner, touch screen, signature pad, microphone, video, audio, camera, or trackball.

5. The system for remote electronic according to claim 1 wherein said data input device communicates with said network server with a cellular PDA, computer or phone with a live streaming video audio, communications and recording.

6. The system for remote electronic notarization according to claim 1 wherein said network server includes at least one back-up server and or archival system.

7. The system for remote electronic notarization according to claim 1 wherein said network server includes a network security software.

8. The system for remote electronic notarization according to claim 1 wherein said cryptographic identity is determined with a driver'"'"'s license, bank card, photo identification, credit card, RFID chip, or military identification.

9. The system for remote electronic notarization according to claim 1 wherein said communication link is by means of internet, cellular phone, radio communication, microwave dish, cable line, or phone line.

10. The system for remote electronic notarization according to claim 1 wherein said notary service authorizes notarized documents where more than one signatory is involved.

11. The system for remote electronic notarization according to claim 1 wherein said notary service is for a loan, mortgage, deed, affidavit, jurat, E-apostilles, legal documents, trust, wills, assignment, voting or authorization.

12. The system for remote electronic notarization according to claim 1 that further includes a client assessment of notary survey and or a signatory assessment screening survey.

13. The system for remote electronic notarization according to claim 1 that further includes capability to forward notarized document to a third party with the capability to decrypt and extrapolate said steganographic, cryptographic protocol from said electronic digital signature to validate authentication of said electronic digital signature.

14. The system for remote electronic notarization according to claim 1 wherein said steganographic cryptographic protocol creates a hologram.

15. The system for remote electronic notarization according to claim 1 that further includes a receipt printer for printing a receipt for monetary payment of a transaction and a printer for printing a finalized document.

16. The system for remote electronic notarization according to claim 1 wherein a notary journal is generated from said first and subsequent interface and said notary journal includes a sortable database to sort for signers, documents, and dates.

17. The system for remote electronic notarization according to claim 1 wherein said data input device further includes an ability to affix a notary seal to notarized document.

18. The system for remote electronic notarization according to claim 1 wherein said data input device includes an interface for a RFID device to verify and authenticate said user.

19. The system for remote electronic notarization according to claim 1 that includes a clearing house server that communicates to government authorities.

20. The system for remote electronic notarization wherein said at least three alphanumeric identifiers include a pre-registered cellular/PDA device or portable pc device identification number, a notary commission number, and an electronic notary seal data.