Cross checks compare applicant data from multiple sources (for example, user-provided fields, extracted document data, outputs of other checks, and external services). Cross Check Rules let you define which fields are compared and how they are compared during the verification process.

Use cross check rules to:

• Detect inconsistencies between sources (for instance, applicant input and document data).
• Reduce fraud risk by flagging mismatched identity attributes.
• Standardize decisioning by applying the same comparison logic across multiple verification levels.

Cross Check Rules are typically used to validate consistency between identity attributes across sources, such as comparing an applicant’s name and date of birth input against document extraction results. When third-party data is available, you can also use them to compare address and other profile fields against external sources. Due to this functionality, cross checks are an essential part of the Sumsub AllDocs Verification used for processing a wide range of applicant documents.

Depending on your configuration, these checks can help flag meaningful mismatches for review while allowing expected variations (for example, transliteration or wrong spelling) where appropriate.

How Cross Check Rules work

Cross Check Rules operate through presets of rules that you apply to one or more verification levels. In the preset list, the Levels column shows where a preset is currently applied.

Each rule has:

• Comparison function.
• Arguments that include the paths to the data you want to compare, and value parameters that set comparison mode.

For instance, you want to compare the applicant address extracted from their documents and the address provided by the applicant. In such a case, the comparison function will be addressesCompatibleOrNull, which applies the address comparison logic, and arguments will include the following:

• applicant.info.address — Address information extracted from the applicant documents.
• applicant.fixedInfo.address — Address information provided by the user via SDK/API.

To compare the applicant name extracted from their documents and the name provided by the applicant, use the namesCompatibleOrNull function.

Cross Check Rules engine also supports the dobCompatibleOrNull function for the date of birth comparison.

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Note

To learn more about rule conditions, refer to this article.

You can also set the comparison mode by defining the level of fuzziness, which represents the allowed degree of variation in spelling.

If the specified conditions are not met, we will reject the applicant. The system will show the rejection reason that you specified when configuring the preset.

Get started with Cross Check Rules

In the Dashboard, go to the Global settings in the Integrations section and navigate to Data Comparison.

You will see the list of presets with the following details:

• Preset name.
• Verification levels the given preset applies to.
• Columns with timestamps when it was created and modified. These columns display the exact dates and time, as well as information about who made the changes.

In the top menu, you can also delete a preset or refresh the layout by selecting the columns you want to be shown on the page.

Configure preset

Each preset can operate in the following modes:

• Basic mode represents the general data comparison settings.
• Advanced mode allows you to configure a preset.

To customize a preset in advanced mode:

1. Select the preset of interest and click the Switch to advanced settings button.
2. Confirm your choice in the pop-up notification.
3. After switching the mode, you will see two tabs with custom and system rules. Both tabs contain rules with all its conditions and data sources (Personal information, Non-Doc, Proof of address, and so on) that you can filter.

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   Important

   System rules support core system checks and cannot be modified.

4. On the Custom rules tab, you can configure rules to meet your requirements.
5. Select a rule from the list or create a custom rule and set up its comparison function and arguments.
6. If you want to apply any other conditions (for instance, compare only the city and state fields), you can do that by clicking the And button. Cross Check Rules also provide an ability to add alternative rules as an additional option. To do so, click Or group and configure a new set of rules.
7. To invert any condition, use If or If not mode to define whether the logic should match or be negated.
8. In the Otherwise reject step block, specify the step that will be rejected if your requirements are not met and set up the rejection button that will display the rejection reason to your applicant.
9. If you want to revert the changes, click the Reset to default button and the rule conditions will be set to initial.
10. Before applying any changes, you can test new configuration on your applicants that have already completed the verification process by clicking Run testing tool.
11. Save your changes to apply the new settings.

Create custom preset

Perform the following steps to create your own preset.

Step 1: Set up preset

To set up a new preset, complete the following actions:

1. In the Dashboard, go to the Global settings in the Integrations section and navigate to Data Comparison.
2. Click Create preset.
3. [Optional] Select function and fill in the Arguments fields.
4. [Optional] Click Add to apply more conditions, or provide an alternative rules group by clicking Or group.
5. In the Otherwise reject step block, specify which step will be rejected if the conditions are not met and the rejection reason that we will display to the applicant.
6. If needed, you can duplicate the existing preset by clicking Duplicate in the preset menu.

Step 2: Apply preset to levels

After you created the preset, apply it to the level of your interest:

1. Open the Cross Check Rules tab.
2. In the preset list, check the Levels column and click a level name to open it.
3. Inside the level editor, select the preset and click Save.

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Note

You can use the same preset on multiple levels. Changes to the preset apply to all levels this preset is used on.