enotarization in british columbia presentation for the national notary association by… g. w. wayne...
TRANSCRIPT
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eNotarization in eNotarization in British ColumbiaBritish ColumbiaPresentation for the National Notary Presentation for the National Notary
Association by…Association by…
G. W. Wayne BraidG. W. Wayne Braid
Secretary / Executive DirectorSecretary / Executive Director
The Society of Notaries Public of BCThe Society of Notaries Public of BC
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PRINCE RUPERT LAND TITLE OFFICE TITLE NO: PT18503 DECLARED VALUE 90700 FROM TITLE NO: TE21779 APPLICATION FOR REGISTRATION RECEIVED ON: 27 MAY, 2002 ENTERED: 29 MAY, 2002 REGISTERED OWNER IN FEE SIMPLE: GWB HOLDINGS LTD., INC.NO. 437684 904 - 950 CAMBIE STREET VANCOUVER, BC V6C 5X5 TAXATION AUTHORITY:
CITY OF TERRACE DESCRIPTION OF LAND: PARCEL IDENTIFIER: 013-170-571 THE EAST 1/2 OF LOT 19 DISTRICT LOT 980 RANGE 5 COAST DISTRICT PLAN 1097 LEGAL NOTATIONS: NONE CHARGES, LIENS AND INTERESTS: NONE DUPLICATE INDEFEASIBLE TITLE: NONE OUTSTANDING TRANSFERS: NONE
PENDING APPLICATIONS: NONE *** CURRENT INFORMATION ONLY - NO CANCELLED INFORMATION SHOWN ***
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KAMLOOPS LAND TITLE OFFICE TITLE NO: KG101891 DECLARED VALUE 139,000 FROM TITLE NO: R67727 APPLICATION FOR REGISTRATION RECEIVED ON: 15 OCTOBER, 1993 ENTERED: 30 OCTOBER, 1993 REGISTERED OWNER IN FEE SIMPLE: FREDERICK CHARLES JONES, TELEPHONE INSTALLER AGNES EMILIE JONES, CAREGIVER 186 DEWDNEY ROAD VERNON, B.C. JOINT TENANTS
TAXATION AUTHORITY: VERNON ASSESSMENT AREA DESCRIPTION OF LAND: PARCEL IDENTIFIER: 007-122-861 LOT 16 SECTION 26 TOWNSHIP 9 OSOYOOS DIVISION YALE DISTRICT PLAN 22067 LEGAL NOTATIONS: NONE CHARGES, LIENS AND INTERESTS: NATURE OF CHARGE CHARGE NUMBER DATE TIME
STATUTORY BUILDING SCHEME G9990 1972-03-16 14:43 REMARKS: INTER ALIA SEC 24B LRA "CAUTION - CHARGES MAY NOT APPEAR IN ORDER OF PRIORITY. SEE SECTION 28, L.T.A." DUPLICATE INDEFEASIBLE TITLE: NONE OUTSTANDING TRANSFERS: NONE PENDING APPLICATIONS: NONE *** CURRENT INFORMATION ONLY - NO CANCELLED INFORMATION SHOWN ***
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Project ScopeProject Scope
• Electronic Submission and Filing• Transfer of Title/Deed• Mortgage• Discharge of Mortgage• Discharge of Financial Encumbrances• Digital registration of Land Surveys• PTT Payment Electronic Funds Transfer• Front-end to existing Land Title System
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Current WorkflowCurrent WorkflowDOCUMENTS ARRIVE PROCESS AT COUNTER
•Collect fees & Taxes•Timestamp-priority•Assign number(s)
POST PENDING APPLICATION TO REGISTRY•Against parcel(s)•Priority sequence•Within 15 minutes
SCAN DOCUMENTS OPTICAL STORAGE•documents•Survey plans
QUEUE ITEMS FOR EXAMINIER REGISTRATION•Work assignment•Image documents•Priority sequence
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DOCUMENTS ARRIVEPROCESS AT COUNTER• collect fees & taxes• timestamp - priority• assign number(s)
POST PENDING APPLICATIONS TO REGISTRY• against parcel(s)• priority sequence• within 15 minutes
QUEUE ITEMSFOR EXAMINERREGISTRATION• work assignment• image documents• priority sequence
SCAN DOCUMENTSOPTICAL STORAGE• documents• survey plans
ELECTRONICFRONT
COUNTER
DOC PDFFORMS
Present Manual Registration SystemPresent Manual Registration System
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• Over 950, 000 manual transactions per year
• 30% by year end 2006
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Adobe Acrobat Form-AAdobe Acrobat Form-A
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Adobe Acrobat Form-AAdobe Acrobat Form-A
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Professional Electronic FilingProfessional Electronic Filing
USER DESKTOP• forms preparation• forms printing• digital signature• data import / export• Adobe Acrobat (PDF)
BCONLINE PORTAL• user registration• deposit account• user help desk
INTERNET
ELECTRONICFRONT COUNTER• submit documents• collect fees & taxes• verify dig signature• timestamp - priority• assign number(s)• post pending application to registry• convert form to compatible image format
QUEUE ITEMSFOR EXAMINERREGISTRATION• work assignment• image documents• priority sequence
Notifiers
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CERT
CERT
Document Signature Document Signature VerificationVerification
Cert Reg
Certificate Registry from Juricert
(Law Society of B.C.)
Relaying Party (EFS) SIG
DOCDOC
Certificate validity is explicitly defined in the Certificate Registry
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Digital Certification ModelDigital Certification Model
subscriber
1. Adobe Acrobat Generate key pair
2. Encrypt & store private key
CERTUSER NAMEEXPIRY DATECERT SERIAL
3. Create Adobe user self-signed X.509 Certificate
Registration Authority(Law Society of BC)
4. Send Reg Form & Certificate
CERT REG
6. Remove Certs when revoked
5. Add valid Certs to Cert Register
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Not like a rubber stamp
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Not like a postage stamp that you “affix”
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Digital Signatures• Make use of advanced mathematics and
cryptography
• The math has been know for years, it is modern computers that allow us to do this on the desktop on the fly
• We, fortunately, do not have to understand the math
• Basic techniques include the calculation of a “hash”, and the use of cryptographic key pairs.
• Digital Signature – “an encrypted hash of a computer file”
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Much more like ink on paper…
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“Hash” Values (SHA1)
“This is a Transfer of Land - PID 909-987-562”
74 5F E3 58 04 E9 E6 EB 22 C2 41 34 D1 DF 34 A1 1B 82 35 84 “This is a Transfer of Land - PID 909-987-563”
71 12 70 A9 9A F8 DA 50 A3 66 5D FD 37 60 D1 45 E1 44 FE 05
51.3% of the bits differ (82 of 160)
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The digital signature on the PDF file…
On this fraudulent transfer the officer certification was completely fictional
…prevents document changes and allows for the identification of the person who signed it.
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On this mortgage discharge the paper document was altered after the valid officer certification was completed.
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Your Digital Certificate File (.apf or .pfx)
contains
Use is controlled by by the need to have a copy of this file and knowledge of the password
“Your Certificate”
Identification and Issuance Information
Your Private Key
Your Public Key
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Example Acrobat Form BWayne’s Certificate
Identification and Issuance Information
Wayne’s Private Key
Wayne’s Public Key
You “click” on the form’s digital signature box, entering your password when prompted
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First Step Acrobat
calculates a hash of the
form BHash of the Form
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!! TOP SECRET !!!! TOP SECRET !!
Second Step the program encrypts the hash with the private key,
result is added to the form
Hash of the FormHash of the Form
Wayne’s Certificate
Identification and Issuance Information
Wayne’s Private Key
Wayne’s Public Key
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!! TOP SECRET !!!! TOP SECRET !!
Hash of the FormHash of the Form
Wayne’s Certificate Info and Public Key
Identification information
and the public key
are added to the form
Wayne’s Certificate
Identification and Issuance Information
Wayne’s Private Key
Wayne’s Public Key
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!! TOP SECRET !!!! TOP SECRET !!
Hash of the FormHash of the Form
Wayne’s Certificate Info and Public Key
The digital signature is the encrypted hash of the file together with some certificate information
The “look” of the PDF changes showing that it has been signed
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!! TOP SECRET !!!! TOP SECRET !!
Hash of the FormHash of the Form
Wayne’s Certificate Info and Public Key
LTO uses the
certificate info. to see if
Braid is an authorized submitter
Juricert Data Base
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Phase One passed
The LTO knows who signed the file and that person is OK to sign EFS forms (and that they are a Lawyer or Notary in good standing)
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Phase Two
Is the document that the LTO has received exactly
the same as the document that was signed by the
Lawyer or Notary?
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The public key is used to decrypt the hash
!! TOP SECRET !!!! TOP SECRET !!
Hash of the FormHash of the Form
Wayne’s Certificate Info and Public Key
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The Acrobat program
calculates a new hash of the Form
B Hash of the Form
Wayne’s Certificate Info and Public Key
LTO calculated Hash of the Form !! TOP SECRET !!!! TOP SECRET !!
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The two hash
values are compared Hash of the Form at
time of signing
LTO calculated Hash of the Form
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If they are the same, the LTO
can have complete
confidence that there
have not been any alterations
of the document
Hash of the Form at time of signing
LTO calculated Hash of the Form
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And you can have
confidence that what you
signed cannot be altered by
anyone without detection
Hash of the Form at time of signing
LTO calculated Hash of the Form
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With “phase two” passed, the EFS system then proceeds to deal with the information in
the form itself (PID, etc.)
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If a signed PDF file is modified…
…it is immediately obvious
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Digital Certificate Selection
Managed X5.09 Certificate authenticated by Juricert usable with e-mail and other systems – subscription fees apply –
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Juricert Registration at Juricert.com
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