System for executing remote electronic notarization and signatory verification and authentication

• US 8,190,904 B2
• Filed: 09/04/2009
• Issued: 05/29/2012
• 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, Jackson, Audrella Marie, Hatter, Brenda Fate
• Primary Examiner(s): McNally, Michael S
• Application Number:
  US12/554,735
• Publication Number:
  US 20090327144A1
• Time in Patent Office: 998 Days
• Field of Search: 713/178
• US Class Current: 713/178
• 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 remote electronic notarization system for remote electronic verification, authentication and screening of potential signatories for remote electronic notary transactions via a remote pc encrypted platform that communicates over a digital broadband or WIFI cellular/PDA device or portable pc device is presented in this disclosure. The system implements electronic components including electronic signature devices, digital certificates, electronic documents, electronic biometric devices, electronic audio/visual software/hardware, electronic payment systems and devices for human interface and verification. The electronic components are electronically synchronized to allow remote notary publics to execute remote electronic notary transactions via a satellite kiosk network or an on-line virtual kiosk application.

Claims

1. A system for real-time remote electronic notarization comprising:

a user having a data input device having an electronic digitizer to create and capture and attach a digital signature;

a digital web-camera or video device capturing both streaming and live streaming video;

said user data input device is attached to a kiosk or on-line virtual kiosk software application at a location that is remote from a live network pre-registered Notary Public;

said remote live pre-registered Notary Public connects via a secure real time network or network server secure communications link to a kiosk or on-line virtual kiosk software application over a network or network server with said user;

said network or network server secured communication link deploys a signatory assessment screening survey requiring said user to answer questions and or provide information regarding their identity, volition, duress, and awareness to execute the signing of a legal document;

if said signatory assessment screening survey determines that said user is not in compliance, said remote live pre-registered Notary Public can terminate said notarization;

said network or network server secured communication link deploy encryption and embedding software that encrypts said user data and remote live pre-registered Notary Public data with an electronic algorithm using embeddable symbols and digitally embeds said embeddable symbols in electronic font lines generated by said data input device having an electronic digitizer to create, capture, attach, and electronically embed said embeddable symbols in an embedded digital signature;

said network or network server digitally attaches said user answer from said signatory assessment screening survey to said user electronic algorithm of embeddable symbols digitally embedded with said electronic font line digital signature whereby augmenting said digital signature for subsequent authentication and viability, and

a receipt printer for printing a receipt for monetary payment of a transaction and a printer for printing a finalized electronic document.

2. The system for real-time remote electronic notarization according to claim 1 wherein said data input device 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 real-time remote electronic notarization according to claim 1 wherein said data input device that is connected to a kiosk or on-line virtual kiosk application is 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 real-time remote electronic notarization according to claim 1 wherein said data input device that is connected to a kiosk or on-line virtual kiosk application 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 real-time remote electronic notarization according to claim 1 wherein said data input device communicates with said network server with a cellular PDA, computer or phone having live streaming video, audio, communications between said kiosk, or on-line virtual kiosk application, and live said pre-registered notary.

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

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

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

9. The system for real-time remote electronic notarization according to claim 1 wherein said communication link is over an internet, cellular phone, radio communication, microwave dish, cable line, or phone line.

10. The system for real-time 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 real-time 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 real-time remote electronic notarization according to claim 1 that further includes capability to forward a notarized document to a third party having a capability to decrypt and extrapolate said embeddable symbols from said electronic digital signature to validate and authenticate said electronic digital signature.

13. The system for real-time 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.

14. The system for real-time remote electronic notarization according to claim 1 wherein said data input device further includes an ability to affix a notaries public seal information data to notarized document.

15. The system for real-time 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.

16. The system for real-time remote electronic notarization according to claim 1 that further includes a clearing house server that communicates to government authorities.

17. The system for real-time remote electronic notarization according to claim 1 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 notaries public seal information data.