Matching configurations

Learn how matching rules ensure accuracy.

This section indicates the decision-making rules (matching configurations) for our Non-Doc Address Verification solution in terms of 1x1 & 2x2 Matching methods. These rules have been pre-set to deliver the highest user approval rates while maintaining strong levels of data verification security.

The matching rules are standard for all Sumsub clients and not available for individual configuration. Nonetheless, Sumsub is continuously improving the solution to maximize population coverage and increase the match rates regarding data validation.


Non-Doc Address Verification

The Non-Doc Address Verification 1x1 Matching logic requires matching user’s personal and address data against one source to receive a Full Match on their identity*.

Verification Result

Name Category

Address Category

Date of Birth Category

ID Category

Full Match
Full Match
Full Match
Any Value(Full Match/No Match)
Any Value(Full Match/No Match)
Partial Match
Partial Match
Full Match
Any Value(Full Match/No Match)
Any Value(Full Match/No Match)
Full Match
Partial Match
Any Value(Full Match/No Match)
Any Value(Full Match/No Match)
Partial Match
Partial Match
Any Value(Full Match/No Match)
Any Value(Full Match/No Match)
No Match

All other combinations

*The applicable country sources are screened until a Full Match on the identity is made. If a Full Match is not found, the system then repeatedly screens those sources for a Partial Match on the user’s identity.

The Non-Doc Address Verification 2x2 Matching logic requires matching user’s personal and address data against two sources to receive a Full Match on their identity*.

Verification Result

1st Data Source

2nd Data Source

Full Match
Name
Full Match
+ Address
Full Match
Name
Full Match
+ Address
Full Match
Name
Full Match
+ Address
Full Match
Name
Full Match
+ Address
Full Match
Name
Full Match
+ Address
Full Match
Name
Full Match
+ Address
Partial Match
Name
Full Match
+ Address
Full Match
Name
Partial Match
+ Address
Partial Match
Name
Full Match
+ Address
Full Match
National ID
Full Match
+ Address
Full Match
Name
Full Match
+ Address
Full Match
National ID
Full Match
+ Address
Partial Match
Name
Full Match
+ Address
Full Match
Date of Birth
Full Match
+ Address
Full Match
Name
Full Match
+ Address
Full Match
Date of Birth
Full Match
+ Address
Partial Match
Partial Match
Name
Full Match
+ Address
Full Match
Name
Full Match
+ Address
Partial Match
Name
Partial Match
+ Address
Full Match
Name
Partial Match
+ Address
Partial Match
Date of Birth
Full Match
+ Address
Full Match
Date of Birth
Full Match
+ Address
Partial Match
National ID
Full Match
+ Address
Full Match
National ID
Full Match
+ Address
Partial Match
No Match

All other combinations

*The applicable country sources are screened until a Full Match on the identity is made. If a Full Match is not found, the system then repeatedly screens those sources for a Partial Match on the user’s identity.


Non-Doc Address Verification in the UK

The Non-Doc Address Verification UK 1x1 Matching logic requires matching user’s personal and address data against one source to receive a Full Match on their identity*.

Verification Result

Name Category

Address Category

Date of Birth Category

Full Match
Full Match
Full Match
Any Value(Full Match/No Match)
No Match

All other combinations

*The applicable country sources are screened until a Full Match on the identity is made. A Partial Match result is not available.

The Non-Doc Address Verification UK 2x2 Matching logic requires matching user’s personal and address data against two sources to receive a Full Match on their identity*.

Verification Result

1st Data Source

2nd Data Source

Full Match
Name
Full Match
+ Address
Full Match
Name
Full Match
+ Address
Full Match
Name
Full Match
+ Address
Full Match
Date of Birth
Full Match
+ Address
Full Match
Partial Match
Name
Full Match
+ Address
Full Match
No Match

All other combinations

*The applicable country sources are screened until a Full Match on the identity is made. If a Full Match is not found, the system then repeatedly screens those sources for a Partial Match on the user’s identity.


Data Category and Data Attribute Matching

The following are case scenarios which result in a Full Match regarding Name, Date of Birth, ID, and Address data categories.

A Partial Match on the Name and Address data categories is considered such when a Full Match is discovered on either one of the two data attributes from the case scenarios below. A Partial Match on the Name category based solely on the First Initial data attribute is not possible. A Partial Match on the ID and Date of Birth categories is not possible.

Name category matching scenarios

A Full Match on the Name category is considered such when any of the following data attribute matching scenarios is met.

  • First Name Full Match + Last Name Full Match
  • First Initial Full Match + Last Name Full Match
  • First Name Full Match + Maternal Name Full Match

Address category matching scenarios

A Full Match on the Address category is considered such when any of the following data attribute matching scenarios is met.*

  • Building Number Full Match + City Full Match
  • Street Full Match + City Full Match
  • State Full Match + City Full Match
  • Building Number Full Match + Postal Code Full Match
  • Street Full Match + Postal Code Full Match
  • State Full Match + Postal Code Full Match

*Please note that certain Address attributes can be specific to regions/countries.

Date of birth category matching scenarios

A Full Match on the Date of Birth category is considered such when the following data attribute matching scenario is met.*

  • Year of Birth Full Match + Month of Birth Full Match + Day of Birth Full Match

*Please note that certain Date of Birth attribute matching exceptions may be applicable to regions/countries.

ID category matching scenarios

A Full Match on the ID category is considered such when the following data attribute matching scenario is met.

  • Identification Number Full Match

A Partial data category Match is considered such when a Match is discovered on either one of the two data attributes from the case scenarios above. A Partial ID category Match is not possible. A Partial Match in the Name category based solely on the First Initial data attribute is not accepted.


Fuzzy Matching for Data Attributes

These are the criteria for fuzzy matching on different data attributes against country sources.

  • Name Data Attributes

    For a Name category data attribute to generate a Full Match, it should be within 70% of the Levenshtein character similarity in comparison to the records in the data sources. E.g., if the Name attribute input is ‘Christophel’ and the actual name is ‘Christopher’, Global Database Verification returns a Full Match based on the fuzzy matching logic. This system is applicable to the First Name and Last Name data attributes.

  • Address Data Attributes

    For Address category data attributes like Street, City, State, and Postal Code, the acceptable Levenshtein character similarity percentage for a Full Match is also 70% in comparison to the records in the data sources. E.g., a Street and House Number attribute input of ‘200 Kingslee Court’ would Match against a record in the data source for ‘200 Kingsley Court’.

  • Date of Birth Data Attributes

    Sumsub does not employ any kind of fuzzy matching on data attributes within the ID data category (Year of Birth, Month of Birth, Day of Birth).

  • ID Data Attributes

    Sumsub does not employ any kind of fuzzy matching on data attributes within the ID data category (Identification Number).

Examples

Below are examples of data attribute inputs that would satisfy the criteria of Global Database Verification fuzzy matching logic and generate a Full Match.

Data Attribute

Input

Data Source Record

Result

first_name

Jeanette

Jeanette

Full Match

first_name

Jeanotte

Jeanette

Full Match

first_name

Gene

Jeanette

No Match

last_name

Richardson

Richardson

Full Match

last_name

Richardsen

Richardson

Full Match

last_name

Richarliset

Richardson

No Match

street

Brigadoon Drive

Brigadoon Drive

Full Match

street

Brigadier Street

Brigadoon Drive

No Match

city

Redwood City

Brigadoon Drive

Full Match

city

Renwood City

Brigadoon Drive

Full Match

city

Redweed County

Brigadoon Drive

No Match

state

Paris

Paris

Full Match

state

Parip

Paris

Full Match

state

Perip

Paris

No Match