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

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 ***

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 ***

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

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

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

• Over 950, 000 manual transactions per year

• 30% by year end 2006

Adobe Acrobat Form-AAdobe Acrobat Form-A

Adobe Acrobat Form-AAdobe Acrobat Form-A

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

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

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

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 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)

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 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

First Step Acrobat

calculates a hash of the

form BHash of the Form

!! 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

!! 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

!! 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

!! 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

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 !!!! TOP SECRET !!

Hash of the FormHash 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 !!!! 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 e-mail and other systems – subscription fees apply –

Juricert Registration at Juricert.com