What is knowledge-based authentication in the context of RON?

Knowledge-based authentication (KBA) is a security process used to verify an individual's identity, particularly in the context of Remote Online Notary (RON). It often involves assessing the knowledge an individual has about personal data that only they should know. This typically includes asking a series of questions related to the individual's personal history, such as past addresses, loan amounts, or other specific experiences. The goal is to ensure that the person accessing notary services is indeed the individual they claim to be.

This method is essential for maintaining the integrity and security of remote notarization, as it adds an additional layer of verification beyond simply providing identification documents. While the other options involve different forms of authentication or verification processes, they do not specifically capture the essence and purpose of KBA in the context of RON, which is to assess personal knowledge as a means of verifying identity.