eNotarization in British Columbia Presentation for the National Notary Association by… G. W. Wayne Braid Secretary / Executive Director The Society of Notaries Public of BC

Project 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

Current Workflow DOCUMENTS 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

DOCUMENTS ARRIVE PROCESS AT COUNTER collect fees & taxes timestamp - priority assign number(s) POST PENDING APPLICATIONS TO REGISTRY against parcel(s) priority sequence within 15 minutes QUEUE ITEMS FOR EXAMINER REGISTRATION work assignment image documents priority sequence SCAN DOCUMENTS OPTICAL STORAGE documents survey plans ELECTRONIC FRONT COUNTER DOC PDF FORMS Present Manual Registration System

Over 950, 000 manual transactions per year 30% by year end 2006

Adobe Acrobat Form-A

Professional 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 ELECTRONIC FRONT 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 ITEMS FOR EXAMINER REGISTRATION work assignment image documents priority sequence Notifiers

CERT Document Signature Verification Cert Reg Certificate Registry from Juricert (Law Society of B.C.) Relaying Party (EFS) SIG DOC Certificate validity is explicitly defined in the Certificate Registry

Digital Certification Model subscriber 1. Adobe Acrobat Generate key pair 2. Encrypt & store private key CERT USER NAME EXPIRY DATE CERT 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

Not like a rubber stamp

Not like a postage stamp that you “affix”

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”

Much more like ink on paper…

“Hash” Values (SHA1) “This is a Transfer of Land - PID ” 74 5F E E9 E6 EB 22 C D1 DF 34 A1 1B “This is a Transfer of Land - PID ” A9 9A F8 DA 50 A3 66 5D FD D1 45 E1 44 FE % of the bits differ (82 of 160)

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.

On this mortgage discharge the paper document was altered after the valid officer certification was completed.

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

Example Acrobat Form B Wayne’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

First Step Acrobat calculates a hash of the form B Hash of the Form

!! TOP SECRET !! Second Step the program encrypts the hash with the private key, result is added to the form Hash of the Form Wayne’s Certificate Identification and Issuance Information Wayne’s Private Key Wayne’s Public Key

!! TOP SECRET !! Hash 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

!! TOP SECRET !! Hash 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

!! TOP SECRET !! Hash 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

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)

Phase Two Is the document that the LTO has received exactly the same as the document that was signed by the Lawyer or Notary?

The public key is used to decrypt the hash !! TOP SECRET !! Hash of the Form Wayne’s Certificate Info and Public Key

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 !!

The two hash values are compared Hash of the Form at time of signing LTO calculated Hash of the Form

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

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

With “phase two” passed, the EFS system then proceeds to deal with the information in the form itself (PID, etc.)

If a signed PDF file is modified… …it is immediately obvious

Digital Certificate Selection Managed X5.09 Certificate authenticated by Juricert usable with and other systems – subscription fees apply –

Juricert Registration at Juricert.com