Matching configurations

This section indicates the decision-making rules (matching configurations) for our Database Validation solution that are applicable to both 1x1 and 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 1x1 Matching method under the Database Validation solution requires matching user’s personal data against a single source to receive a Full Match on their identity. The total number of available sources for data screening is dependent on the user’s country of onboarding.
The 2x2 Matching method under the Database Validation solution requires matching user’s personal data against two sources to receive a Full Match on their identity. The total number of available sources for data screening is dependent on the user’s country of onboarding.

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.

Database Validation

1x1 Matching

The Database Validation 1x1 Matching logic requires matching user’s personal data against one source to receive a Full Match on their identity.*

Verification Result	Name Category	ID Category	Date of Birth Category	Address Category
Full Match	Full Match	Full Match	Any Value(Full Match/No Match)	Any Value(Full Match/No Match)
Full Match
Partial Match	Partial Match	Full Match	Any Value(Full Match/No Match)	Any Value(Full Match/No Match)
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.

2x2 Matching

The Database Validation 2x2 Matching logic requires matching user’s personal 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 + National ID Full Match	Name Full Match + National ID Full Match
	Name Full Match + National ID Full Match	Name Partial Match + National ID Full Match
	Name Full Match + National ID Full Match	Name Full Match + Date of Birth Full Match
Partial Match	Name Full Match + National ID Full Match
	Name Partial Match + National ID Full Match
	Name Full Match + Date of Birth Full Match
No Match	All other combinations

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

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

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.
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).
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’.

Examples

Below are examples of data attribute inputs that would satisfy the criteria of the 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

Verification Result

Name Category

ID Category

Date of Birth Category

Address Category

Verification Result

1st Data Source

2nd Data Source

Name category matching scenarios

Address category matching scenarios

Date of birth category matching scenarios

ID category matching scenarios

Data Attribute

Input

Data Source Record

Result