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Data verification methodology: 1x1/2x2 Matching

This page outlines the 1x1 and 2x2 Matching methodology used in the Non-Doc Address Verification solution. The underlying rules are pre-set to optimize user approval rates without compromising the level of verification assurance.

The data matching rules are standard for all Sumsub clients and not available for customization.

Non-Doc Address Verification

The 1x1 Matching methodology requires matching user’s personal and address data against one source to receive a Full Match on their residency.

Verification result

Name

Address

Date of birth

ID number
Full Match
Full Match
Full Match
Any Value
Any Value
Partial Match
Full Match
Any Value
Any Value
Partial Match
Full Match
Partial Match
Full Match
Any Value
Full Match
Partial Match
Any Value
Full Match
No Match

All other combinations

All available data sources are screened until a Full Match on the address is made. If a Full Match is not found, the system then repeatedly checks those sources for a Partial Match.

The 2x2 Matching methodology requires matching user’s personal and address data against one source to receive a Full Match on their residency.

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
Partial Match
+ Address
Full Match
Name
Partial Match
+ Address
Full Match
 Name
Partial Match
+ Address
Full Match
Partial Match
 Name
Full Match
+ Address
Full Match
Any Value
Name
Partial Match
+ Address
Full Match
Any Value
No Match

All other combinations

All available data sources are screened until a Full Match on the address is made. If a Full Match is not found, the system then repeatedly checks those sources for a Partial Match.

Non-Doc Address Verification in the UK

The 1x1 Matching methodology requires matching user’s personal and address data against one source to receive a Full Match on their residency.

Verification result

Name

Address

Date of birth
Full Match
Full Match
Full Match
Any Value
No Match

All other combinations

All available data sources are screened until a Full Match on the address is made. In the case of the United Kingdom, Partial Match results are not possible.

The 2x2 Matching methodology requires matching user’s personal and address data against one source to receive a Full Match on their residency.

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

By default, all 2x2 partial matches are approved. If you prefer to approve only full matches and reject partial matches, contact us.

Data matching scenarios

This section details the matching scenarios in each data category that is relevant within Non-Doc Address Verification: Name, Address, Date of birth, and ID number.

Name matching

Name Full Match requires meeting any of the following combinations:

  • First name
    Full Match
    + Last name
    Full Match
  • First name
    Full Match
    + Maternal name
    Full Match
  • First name
    Full Match
    + Paternal name
    Full Match
  • First initial
    Full Match
    + Maternal name
    Full Match
  • First initial
    Full Match
    + Paternal name
    Full Match
  • First initial
    Full Match
    + Last name
    Full Match
  • First name
    Full Match
    + Maternal name
    Full Match
    +
    Paternal name
    Full Match
  • First initial
    Full Match
    + Maternal name
    Full Match
    +
    Paternal name
    Full Match

Name Partial Match requires meeting any of the following combinations:

  • First name
    Full Match
  • Last name
    Full Match
  • Paternal name
    Full Match
  • Maternal name
    Full Match
  • Maternal name
    Full Match
    + Paternal name
    Full Match

Address matching

Address Full Match requires meeting any of the following combinations:

  • Building number
    Full Match
    + Postal code
    Full Match
  • Street
    Full Match
    + City
    Full Match
  • Street
    Full Match
    + Postal code
    Full Match
  • Street
    Full Match
    + Building number
    Full Match
    +
    City
    Full Match
  • Street
    Full Match
    + Building number
    Full Match
    +
    Postal code
    Full Match

Address Partial Match requires meeting any of the following combinations:

  • Street
    Full Match
  • Building number
    Full Match
  • Postal code
    Full Match
  • City
    Full Match

Note that certain countries may have unique address data fields.

Date of birth matching

Date of birth Full Match requires meeting the following combination:

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

Note that certain countries may have exception to the default Date of birth matching rules.

ID number matching

ID number Full Match requires meeting the following combination:

  • Identification number
    Full Match

Data matching sensitivity

This section details the level of matching sensitivity within each data category.

  • Name and Address

    Name and Address matching requires the data input to have 70% of the Levenshtein character similarity in comparison to the source record.

  • Date of birth and ID number

    Date of birth and ID number matching requires an exact match between the data input and the source record.

Examples

The following examples demonstrate how the matching sensitivity level works in practice:

Data field

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

Redwood City
Full Match

city

Renwood City

Redwood City
Full Match

city

Redweed County

Redwood City
No Match

state

Paris

Paris
Full Match

state

Parip

Paris
Full Match

state

Perip

Paris
No Match