Data Verification

The Data Verification module verifies a subject’s identity by cross-referencing submitted personal information, such as name, date of birth, address, and national ID numbers against trusted consumer, government, and credit bureau databases.

It counts how many independent data sources confirm different combinations of identity elements, allowing organisations to assess the strength and confidence of an identity match. This module is commonly used for KYC (Know Your Customer), AML (Anti-Money Laundering), and general identity verification across multiple countries.

This page contains documentation for the Data Verification - Single Match (All Sources) module, including its variants, capabilities, and the specific result codes it returns.

Argentina: Single match

This variant performs a single-source identity verification check for Argentinian subjects. It cross-references the subject’s name, date of birth, and DNI (Documento Nacional de Identidad) number against trusted Argentinian data sources.

Detail	Value
Required inputs	Full name, date of birth, DNI number
Optional inputs	Gender, current address, landline phone, tax identification number

Capabilities

The module returns source-count capabilities that indicate how many independent data sources confirmed each combination of identity elements, plus an age flag and an overall GBG score. This capability structure is shared across most Data Verification variants. Differences between variants are in input requirements and default outcome logic.

Number of matching sources

The total number of independent data sources that returned any type of match for the subject’s submitted information.

Detail	Description
Type	Integer
Range	0–5
Default	0

A value of 0 means no data sources matched any combination of the subject’s identity elements. Higher values indicate stronger verification confidence because the identity was confirmed independently across multiple sources.

Name + Address matches

The number of data sources where the subject’s name and address both matched.

Detail	Description
Type	Integer
Range	0–5
Default	0

Name + DOB matches

The number of data sources where the subject’s name and date of birth both matched.

Detail	Description
Type	Integer
Range	0–5
Default	0

Name + DOB + Address matches

The number of data sources where the subject’s name, date of birth, and address all matched. This is the strongest match combination without an ID number and is typically used as the threshold for a full “Match” outcome.

Detail	Description
Type	Integer
Range	0–5
Default	0

ID + Name + Address matches

The number of data sources where the subject’s national ID number, name, and address all matched.

Detail	Description
Type	Integer
Range	0–5
Default	0

ID + Name + DOB matches

The number of data sources where the subject’s national ID number, name, and date of birth all matched.

Detail	Description
Type	Integer
Range	0–5
Default	0

ID + Name + DOB + Address matches

The number of data sources where the subject’s national ID number, name, date of birth, and address all matched. This is the highest-confidence match combination available.

Detail	Description
Type	Integer
Range	0–5
Default	0

Is under 18

Indicates whether the subject is under 18 years of age based on the submitted or verified date of birth.

Value	Description
true	The subject is under 18. This triggers the ALERT outcome in most variants.
false	The subject is 18 or older, or age could not be determined. This is the default value.

GBG score

An overall identity verification score calculated by GBG based on the strength and breadth of matches across data sources.

Detail	Description
Type	Integer
Range	0–1000
Default	0

Higher scores indicate stronger identity verification confidence. A score of 0 indicates that no meaningful verification data was returned. This score can be used in custom evaluation rules for more granular decisioning beyond the default outcomes.

Default outcomes

The table below lists the default outcomes for this variant.

Outcome	Condition	Description
ALERT	Is under 18 is true	The subject is under 18. The journey should apply age-appropriate restrictions or route to rejection.
Match	Name + DOB + Address ≥ 1 or ID + Name + DOB + Address ≥ 1	The subject’s identity was confirmed by at least one data source matching the strongest element combinations.
Partial Match	Name + Address ≥ 1 or Name + DOB ≥ 1 or ID + Name + Address ≥ 1	Some identity elements matched but not the full combination required for a full match. The journey may route to manual review or request additional information.
No Match	Name + Address < 1	No data source confirmed even a basic name and address combination.
Error	Default (no conditions matched)	An unexpected error occurred during processing.

Australia: Credit Header 1

This variant verifies Australian subjects against trusted credit data sources. It uses the supplier decision capability with support for partial matches.

Detail	Value
Required inputs	Full name, current address, date of birth
Optional inputs	None

Capabilities

The table below lists the capabilities returned by this variant.

Capability	Values	Description
Supplier decision	match, mismatch, partial match, no result	The credit bureau’s overall match decision.
Input address quality level	1–4	Quality of the submitted address.

Default outcomes

The table below lists the default outcomes for this variant.

Outcome	Condition	Description
Identity Match	Supplier decision is match	Full match confirmed by the credit bureau.
Partial Identity Match	Supplier decision is partial match	Partial match.
Identity Mismatch	Default	The subject could not be verified.

Australia: Directors

This variant verifies Australian subjects against trusted directors register data sources.

Detail	Value
Required inputs	Full name, date of birth
Optional inputs	None

Capabilities

The table below lists the capabilities returned by this variant.

Capability	Values	Description
Supplier decision	match, mismatch, no result	The data source’s overall match decision.

Default outcomes

The table below lists the default outcomes for this variant.

Outcome	Condition	Description
Identity Match	Supplier decision is match	Identity confirmed.
Identity Mismatch	Default	The subject could not be verified.

Australia: Historical Electoral Roll

This variant verifies Australian subjects against historical electoral roll data (pre-2004). It has the most complex partial match logic of any variant, with seven distinct conditions that qualify as a partial match.

Detail	Value
Required inputs	Full name, current address
Optional inputs	None

Capabilities

The table below lists the capabilities returned by this variant.

Capability	Values	Description
First name match result	match, mismatch, initial match, partial match, no result	Match result for the subject’s first name.
Middle names match result	match, mismatch, no result, not available, initial match	Match result for middle name(s).
Last names match result	match, mismatch, no result	Match result for last name.
Overall address match result	match, mismatch, partial match, no result	Overall address match result.
Input address quality level	1–4	Quality of the submitted address.

Default outcomes

The table below lists the default outcomes for this variant.

Outcome	Condition	Description
Identity Match	First name is match and last name is match and address is match	All three core elements fully matched.
Partial Identity Match	Any of seven qualifying conditions (see below)	Partial verification with various name/address combinations.
Identity Mismatch	Default	No verification path produced a passing result.

The Partial Identity Match outcome is triggered by any of the following: first name mismatch with last name and address match (middle names not available or mismatch); full name match with address mismatch or partial match (middle names not available); first name mismatch but middle name matches with last name match (any address result); first name initial match with last name match (any address, middle names not available); first name partial match with last name match (any address, middle names mismatch or not available); or first name and middle name both initial match with last name and address both matching.

Australia: Population

This variant verifies Australian subjects against trusted population data sources.

Detail	Value
Required inputs	Full name, current address, date of birth
Optional inputs	None

Capabilities

The table below lists the capabilities returned by this variant.

Capability	Values	Description
First name match result	match, mismatch, no result, initial match	Match result for first name.
Last names match result	match, mismatch, no result	Match result for last name.
Date of birth match result	match, mismatch, partial match, not available, no result	Match result for DOB.
Overall address match result	match, mismatch, not available, no result	Overall address match result.
Input address quality level	1–4	Quality of the submitted address.

Default outcomes

The table below lists the default outcomes for this variant.

Outcome	Condition	Description
Identity Match	First name is match and last name is match and address is match and DOB is match	All four elements fully matched.
Partial Identity Match	Name and address match but DOB is partial or mismatch, or name and DOB match but address is mismatch	Three of four elements confirmed.
Identity Mismatch	Default	The subject could not be verified.

Australia: Single match gov ID source

This variant orchestrates identity verification across multiple Australian government ID sources.

Detail	Value
Required inputs	Determined by the registration process
Optional inputs	None

Capabilities

The table below lists the capabilities returned by this variant.

Capability	Type	Values	Description
Overall verification result	Enumset	VERIFIED, IN_PROGRESS	The overall verification status.
DVS sources remaining	Enumset	Various government ID source identifiers	Government ID sources that have not yet been checked. Informational only. Not used in default outcome logic.

Default outcomes

The table below lists the default outcomes for this variant.

Outcome	Condition	Description
Refer	Overall verification status includes IN_PROGRESS	Verification is not yet complete.
Error	Default	An unexpected error occurred.

Australia: Single match standard sources (AML)

This variant verifies Australian subjects against standard sources for AML-regulated customers. It adds a credit bureau check capability alongside the overall verification status.

Detail	Value
Required inputs	Determined by the registration process
Optional inputs	None

Capabilities

The table below lists the capabilities returned by this variant.

Capability	Type	Values	Description
Overall verification result	Enumset	VERIFIED, IN_PROGRESS	The overall verification status.
Credit Bureau Check	Enumset	VERIFIED, AUTOFAIL, ERROR, NOT_CONTRIBUTING	Result of the credit bureau check. AUTOFAIL indicates the credit bureau data contradicted the identity. NOT_CONTRIBUTING indicates the credit bureau check did not contribute to the verification decision (e.g. no record found). Not used in default outcome logic but available for custom evaluation rules.

Default outcomes

The table below lists the default outcomes for this variant.

Outcome	Condition	Description
Pass	Overall verification status includes VERIFIED	Identity verified.
Refer	Overall verification status includes IN_PROGRESS	Verification not yet complete.
Error	Default	An unexpected error occurred.

Australia: Single match standard sources (non-AML)

This variant verifies Australian subjects against standard sources for non-AML customers. It provides only the overall verification status capability without a credit bureau check.

Detail	Value
Required inputs	Determined by the registration process
Optional inputs	None

The capabilities include only the overall verification result (VERIFIED, IN_PROGRESS). Default outcomes are: Pass (verified) / Refer (in progress) / Error (default).

Australia: Single match standard sources (with additional sources) (AML)

This variant extends the AML standard sources variant with additional data sources.

Detail	Value
Required inputs	Determined by the registration process
Optional inputs	None

The capabilities and default outcomes are the same as Australia: Single match standard sources (AML).

Australia: Single match standard sources (with additional sources) (non-AML)

This variant provides the same standard-plus-additional-sources verification for non-AML customers. It does not include a credit bureau check capability.

Detail	Value
Required inputs	Determined by the registration process
Optional inputs	None

The capabilities include only the overall verification result (VERIFIED, IN_PROGRESS). Default outcomes are the same: Pass / Refer / Error.

Australia: Tenancy

This variant verifies Australian subjects against trusted tenancy data sources.

Detail	Value
Required inputs	Full name, date of birth
Optional inputs	None

Capabilities

The table below lists the capabilities returned by this variant.

Capability	Values	Description
Supplier decision	match, mismatch, no result	The data source’s overall match decision.

Default outcomes

The table below lists the default outcomes for this variant.

Outcome	Condition	Description
Identity Match	Supplier decision is match	Identity confirmed.
Identity Mismatch	Default	The subject could not be verified.

Brazil: Single match with CPF

This variant performs a single-source identity verification check for Brazilian subjects with a required CPF (Cadastro de Pessoas Físicas) number, the Brazilian individual taxpayer registration number issued by the Federal Revenue Service.

Detail	Value
Required inputs	Full name, CPF number
Optional inputs	Gender, date of birth, current address, mobile phone, landline phone, identity card

The capabilities are the same as Argentina: Single match.

Default outcomes

The table below lists the default outcomes for this variant.

Outcome	Condition	Description
ALERT	Is under 18 is true	The subject is under 18.
Match	Name + DOB + Address ≥ 1 or ID + Name + Address ≥ 1 or ID + Name + DOB ≥ 1 or ID + Name + DOB + Address ≥ 1	Full match. At least one source confirmed a strong element combination.
Partial Match	Name + Address ≥ 1 or Name + DOB ≥ 1	Some elements matched, but not a full combination.
No Match	Name + Address < 1	No match.
Error	Default	An unexpected error occurred.

Brazil: Single match without CPF

This variant performs a single-source check without requiring a CPF number. It is suited for situations where a CPF is not available or required.

Detail	Value
Required inputs	Full name
Optional inputs	Gender, date of birth, current address, mobile phone, CPF number, identity card, landline phone

The capabilities are the same as Argentina: Single match.

Default outcomes

The table below lists the default outcomes for this variant.

Outcome	Condition	Description
ALERT	Is under 18 is true	The subject is under 18.
Match	Name + DOB + Address ≥ 1	Full match on name, DOB, and address.
Partial Match	Name + Address ≥ 1 or Name + DOB ≥ 1	Partial match.
No Match	Name + Address < 1	No match.
Error	Default	An unexpected error occurred.

Canada: Non-Fintrac

This variant performs a standard identity verification check for Canadian subjects without FINTRAC-specific compliance requirements. It uses the simpler source-count capability structure rather than the field-level match flags used by the Fintrac Single Bureau variants. It does not include the under-18 flag.

Detail	Value
Required inputs	Full name, current address
Optional inputs	Date of birth, Social Insurance Number (SIN), landline phone

The capabilities are the same as Argentina: Single match, excluding the Is under 18 flag.

Default outcomes

The table below lists the default outcomes for this variant.

Outcome	Condition	Description
Match	Name + DOB + Address ≥ 1	Full match.
Partial Match	Name + Address ≥ 1 or Name + DOB ≥ 1	Partial match.
No Match	Name + Address < 1	No match.
Error	Default	An unexpected error occurred.

For a full explanation of match flag values, see match flags in the glossary.

Chile: Single match

This variant performs a single-source identity verification check for Chilean subjects using their identity card number (Cédula de Identidad / RUN).

Detail	Value
Required inputs	Identity card number
Optional inputs	Full name, date of birth, current address

The capabilities are the same as Argentina: Single match.

Colombia: Single match

This variant performs a single-source identity verification check for Colombian subjects using their identity card number (Cédula de Ciudadanía).

Detail	Value
Required inputs	Full name, current address, identity card number
Optional inputs	Date of birth

The capabilities are the same as Argentina: Single match.

Denmark: Single match

This variant performs a single-source identity verification check for Danish subjects.

Detail	Value
Required inputs	Determined by journey configuration
Optional inputs	None

The capabilities are the same as Argentina: Single match.

Default outcomes

The table below lists the default outcomes for this variant.

Outcome	Condition	Description
ALERT	Is under 18 is true	The subject is under 18.
Match	Name + DOB + Address ≥ 1 or ID + Name + Address ≥ 1 or ID + Name + DOB + Address ≥ 1	Full match through any strong element combination.
Partial Match	Name + Address ≥ 1 or Name + DOB ≥ 1	Partial match.
No Match	Name + Address < 1	No match.
Error	Default	An unexpected error occurred.

France: Single match

This variant performs a single-source identity verification check for French subjects. Notably, a landline phone number is a required input. This is unique among Data Verification variants and reflects the data sources available for French identity verification.

Detail	Value
Required inputs	Full name, current address, landline phone
Optional inputs	Date of birth

The capabilities are the same as Argentina: Single match.

Default outcomes

The table below lists the default outcomes for this variant.

Outcome	Condition	Description
ALERT	Is under 18 is true	The subject is under 18.
Match	Name + DOB + Address ≥ 1	Full match.
Partial Match	Name + Address ≥ 1 or Name + DOB ≥ 1	Partial match.
No Match	Name + Address < 1	No match.
Error	Default	An unexpected error occurred.

Germany: Schufa

This variant verifies German subjects against Schufa, Germany’s leading credit bureau that holds credit and identity data on the majority of German adults. Unlike the other German variants, this one uses field-level match flags rather than source counts, providing granular detail on which identity elements matched.

Detail	Value
Required inputs	Full name, date of birth, current address
Optional inputs	None

Capabilities

The capabilities returned by this variant are grouped into name, address, and other match flags.

Name match flags

Match results for the subject’s first and last names against the Schufa record.

Capability	Values	Description
First name matches	match, partial match, mismatch, no result, unrecognised value	Match result for the subject’s first name against the Schufa record.
Last names matches	match, partial match, mismatch, no result, unrecognised value	Match result for the subject’s last name.

Address match flags

Match results for the subject’s address, both overall and at the component level.

Capability	Values	Description
Address match flag	match, partial match, mismatch, no result, unrecognised value	Overall address match result.
Thoroughfare matches	Same values	Match result for the street name.
Locality matches	Same values	Match result for the city or town.
Postal code matches	Same values	Match result for the postal code.

Other match flags

Date of birth and the Schufa QBit (quality indicator) flag.

Capability	Values	Description
Date of birth matches	match, partial match, mismatch, no result, unrecognised value	Match result for the subject’s date of birth.
QBit present flag	Y, N, no result	Indicates whether a Schufa QBit (quality indicator) is present for the subject. A QBit confirms that Schufa holds a verified record for the subject, which increases verification confidence independently of the individual field matches.

Default outcomes

The table below lists the default outcomes for this variant.

Outcome	Condition	Description
Identity Match	First name matches or partially matches and last name matches or partially matches and DOB matches or partially matches and address matches or partially matches and QBit is present	Full identity match. All key elements confirmed against the Schufa record, and Schufa holds a verified record for the subject.
Partial Identity Match	First name matches or partially matches and last name matches or partially matches and DOB matches or partially matches or address matches or partially matches	Name confirmed, plus either DOB or address, but not both alongside QBit.
Identity Mismatch	Default (no conditions matched)	No verification path produced a passing result.

For a full explanation of match flag values, see match flags in the glossary.

Germany: Single match without Schufa

This variant performs a single-source identity verification check for German subjects using non-Schufa data sources (consumer and public record databases).

Detail	Value
Required inputs	Full name, date of birth, current address
Optional inputs	Gender, mobile phone, landline phone

The capabilities are the same as Argentina: Single match.

Default outcomes

The table below lists the default outcomes for this variant.

Outcome	Condition	Description
ALERT	Is under 18 is true	The subject is under 18.
Match	Name + DOB + Address ≥ 1	Full match.
Partial Match	Name + Address ≥ 1 or Name + DOB ≥ 1	Partial match.
No Match	Name + Address < 1	No match.
Error	Default	An unexpected error occurred.

Italy: Citizen Source

This variant verifies Italian subjects against trusted citizen data sources. It shares the same capability structure and default outcome logic as Spain: Citizen Source.

Detail	Value
Required inputs	Full name, current address (with country code), date of birth, phone, email
Optional inputs	None

Italy: Single match (no Codice Fiscale)

This variant performs a single-source check for Italian subjects without requiring a Codice Fiscale.

Detail	Value
Required inputs	Full name, current address
Optional inputs	Date of birth, identity card, landline phone, mobile phone, place of birth, gender

The capabilities are the same as Argentina: Single match.

Italy: Single match (with Codice Fiscale)

This variant performs a single-source identity verification check for Italian subjects using their Codice Fiscale (Italian tax identification code). The Codice Fiscale is a unique alphanumeric code assigned to every Italian citizen and resident, derived from their name, date of birth, gender, and birthplace.

Detail	Value
Required inputs	Full name, current address, identity card (Codice Fiscale)
Optional inputs	Date of birth, landline phone, mobile phone, place of birth, gender

The capabilities are the same as Argentina: Single match.

Mexico: Single match

This variant performs a single-source identity verification check for Mexican subjects using their CURP (Clave Única de Registro de Población) via the tax identification number and identity card inputs.

Detail	Value
Required inputs	Full name, tax identification number (RFC), identity card (CURP)
Optional inputs	Date of birth, current address, gender

The capabilities are the same as Argentina: Single match.

Netherlands: Citizen Source

This variant verifies Dutch subjects against trusted citizen data sources. It shares the same capability structure and default outcome logic as Spain: Citizen Source.

Detail	Value
Required inputs	Full name, current address (with country code), date of birth, phone, email
Optional inputs	None

Netherlands: Single match consumer

This variant performs a single-source identity verification check for Dutch subjects against consumer data sources. It extends the standard source-count capabilities with phone and email match indicators.

Detail	Value
Required inputs	Determined by journey configuration
Optional inputs	None

Capabilities

This variant returns all the same source-count capabilities as Argentina: Single match, plus two additional boolean capabilities:

Phone match

Indicates whether one or more of the subject’s submitted phone numbers matched a phone number on file in the data source.

Value	Description
true	One or more phone numbers matched.
false	No phone numbers matched, or no phone number was submitted. This is the default value.

Email match

Indicates whether one or more of the subject’s submitted email addresses matched an email address on file in the data source.

Value	Description
true	One or more email addresses matched.
false	No email addresses matched, or no email was submitted. This is the default value.

Default outcomes

The table below lists the default outcomes for this variant.

Outcome	Condition	Description
ALERT	Is under 18 is true	The subject is under 18.
Match	Name + DOB + Address ≥ 1	Full match.
Partial Match	Name + Address ≥ 1 or Name + DOB ≥ 1	Partial match.
No Match	Name + Address < 1	No match.
Error	Default	An unexpected error occurred.

Netherlands: Single match identity

This variant performs a single-source identity verification check for Dutch subjects against identity-specific data sources. It extends the standard capabilities with a phone match indicator (but not email match, unlike the consumer variant).

Detail	Value
Required inputs	Determined by journey configuration
Optional inputs	None

The capabilities are the same as Argentina: Single match, plus the Phone match capability documented under the Netherlands consumer variant. The default outcomes are the same as Netherlands: Single match consumer.

New Zealand: Birth Certificate (mandatory GovID)

This variant verifies New Zealand subjects against trusted birth certificate data sources with mandatory GovID inclusion. It returns only the supplier decision, with no individual field match flags. Capabilities and default outcomes are the same as New Zealand: Citizenship Certificate (mandatory GovID).

Detail	Value
Required inputs	Full name, date of birth
Optional inputs	None

Input payload

The following is a sample payload used to submit identity data to the Data Verification module for processing.

JSON

{
  "resourceId": "your-journey-resourceID@latest",
  "context": {
    "subject": {
      "identity": {
        "firstName": "Jane",
        "middleNames": ["Marie"],
        "lastNames": ["Doe"],
        "dateOfBirth": "1990-05-15",
        "currentAddress": {
          "premise": "10",
          "thoroughfare": "Queen Street",
          "locality": "Auckland",
          "postalCode": "1010",
          "country": "NZL"
        },
        "phones": [
          {
            "type": "mobile",
            "number": "[phone]"
          }
        ]
      },
      "accounts": [
        {
          "type": "bank",
          "accountNumber": "0012345678",
          "sortCode": "01-0001"
        }
      ],
      "documents": [
        {
          "type": "birth_certificate",
          "number": "2020/12345"
        }
      ]
    }
  }
}

Replace your-journey-resourceID@latest with your journey’s resource ID. You can find this in the Journey Builder after publishing your journey.

Sample response

The following is a sample response for a successful identity match.

JSON

{
  "outcome": "Identity Match",
  "advice": {}
}

For a full explanation of match flag values, see match flags in the glossary.

New Zealand: Birth Certificate (without GovID)

This variant verifies New Zealand subjects against trusted birth certificate data sources. This variant does not include GovID in the matching process.

Detail	Value
Required inputs	Full name, date of birth
Optional inputs	None

Capabilities

The table below lists the capabilities returned by this variant.

Capability	Values	Description
First name match result	match, not available	Match result for the subject’s first name.
Middle names match result	match, not available, no result	Match result for the subject’s middle name(s).
Last names match result	match, not available	Match result for the subject’s last name.
Date of birth match result	match, not available	Match result for the subject’s date of birth.
Supplied DOB below age threshold	Y, N	Indicates whether the subject is under 18.
Supplier decision	match, mismatch, no result	The data source’s overall match decision.

Default outcomes

The table below lists the default outcomes for this variant.

Outcome	Condition	Description
Alert	Supplied DOB below age threshold is Y	The subject is under 18.
Identity Match	Supplier decision is match	Birth certificate details confirmed.
Identity Mismatch	Default (no conditions matched)	The subject could not be verified.

New Zealand: Citizenship Certificate (mandatory GovID)

This variant verifies New Zealand subjects against trusted citizenship certificate data sources with mandatory GovID inclusion in the matching process. It is the most streamlined NZ variant. It returns only the supplier decision, with no individual field match flags.

Detail	Value
Required inputs	Full name, date of birth, identity card (GovID number)
Optional inputs	None

Capabilities

The table below lists the capabilities returned by this variant.

Capability	Values	Description
Supplier decision	match, mismatch, no result	The data source’s overall match decision. No individual field match flags are returned. The supplier makes a single pass/fail determination including the GovID number.

Default outcomes

The table below lists the default outcomes for this variant.

Outcome	Condition	Description
Identity Match	Supplier decision is match	Citizenship certificate details confirmed including GovID.
Identity Mismatch	Default (no conditions matched)	The subject could not be verified.

For a full explanation of match flag values, see match flags in the glossary.

New Zealand: Citizenship Certificate (without GovID)

This variant verifies New Zealand subjects against trusted citizenship certificate data sources. This variant does not include GovID in the matching process.

Detail	Value
Required inputs	Full name, date of birth
Optional inputs	None

Capabilities and default outcomes are the same as New Zealand: Birth Certificate (without GovID).

New Zealand: Credit Header 1

This variant verifies New Zealand subjects against credit header data. Unlike Credit Header 2 (which uses a supplier decision with partial match support), Credit Header 1 uses individual field-level match flags and constructs the outcome logic from those flags directly. It matches on full name (as a single field), date of birth, and address.

Detail	Value
Required inputs	Full name, current address, date of birth
Optional inputs	None

Capabilities

The table below lists the capabilities returned by this variant.

Capability	Values	Description
Full name match result	match, mismatch, no result	Match result for the subject’s full name (matched as a single combined field rather than individual name components).
Date of birth match result	match, mismatch, no result	Match result for the subject’s date of birth.
Overall address match result	match, mismatch, no result	Overall address match result.
Supplier decision	match, mismatch, partial match, no result	The credit bureau’s overall match decision. This capability is available for custom evaluation rules but is not used in the default outcome logic — the defaults are driven by the individual field flags instead.
Input address quality level	1 (excellent), 2 (good), 3 (poor), 4 (not possible to validate)	Quality of the submitted address.

Default outcomes

The table below lists the default outcomes for this variant.

Outcome	Condition	Description
Identity Match	Full name is match and address is match and DOB is match	All three elements fully matched.
Partial Identity Match	Full name is match and (address is match or DOB is match)	Name confirmed plus either address or DOB, but not all three.
Identity Mismatch	Default (no conditions matched)	The subject could not be verified.

New Zealand: Credit Header 2

This variant verifies New Zealand subjects against trusted credit data sources. Unlike most other NZ variants, this one supports a Partial Identity Match outcome when the supplier returns a partial match.

Detail	Value
Required inputs	Full name, current address, date of birth
Optional inputs	None

Capabilities

The table below lists the capabilities returned by this variant.

Capability	Values	Description
Full name match result	match, mismatch, no result	Match result for the subject’s full name (matched as a single field rather than individual name components).
Date of birth match result	match, mismatch, no result	Match result for the subject’s date of birth.
Overall address match result	match, mismatch, no result	Overall address match result.
Input address quality level	1 (excellent), 2 (good), 3 (poor), 4 (not possible to validate)	Quality of the submitted address.
Supplied DOB below age threshold	Y, N	Indicates whether the subject is under 18.
Supplier decision	match, mismatch, partial match, no result	The data source’s overall match decision. This variant uniquely supports partial match as a supplier decision value.

Default outcomes

The table below lists the default outcomes for this variant.

Outcome	Condition	Description
Alert	Supplied DOB below age threshold is Y	The subject is under 18.
Identity Match	Supplier decision is match	Full match confirmed.
Partial Identity Match	Supplier decision is partial match	Some identity elements matched but not all. The journey may route to manual review or request additional verification.
Identity Mismatch	Default (no conditions matched)	The subject could not be verified.

New Zealand: Credit Header 3

This variant verifies New Zealand subjects against a third NZ credit reporting agency. It provides the most granular capability set of any NZ credit header variant, with individual name component match flags, address component match flags, and a deceased flag.

Detail	Value
Required inputs	Full name, current address, date of birth
Optional inputs	None

Capabilities

The capabilities returned by this variant are grouped into name, address, and other match flags.

Name match flags

Match results for the subject’s first, middle, and last names.

Capability	Values	Description
First name match result	match, mismatch, partial match, not available, unrecognised value, no result	Match result for the subject’s first name.
Middle names match result	Same values	Match result for the subject’s middle name(s).
Last names match result	Same values	Match result for the subject’s last name.

Address match flags

Match results for the subject’s address, both overall and at the component level.

Capability	Values	Description
Overall address match result	match, mismatch, partial match, not available, unrecognised value, no result	Overall address match result.
Premise match result	Same values	Match result for the property number.
Thoroughfare match result	Same values	Match result for the street name.
Locality match result	Same values	Match result for the city or town.
Dependent locality match result	match, mismatch, not available, unrecognised value, no result, partial match	Match result for the suburb or neighbourhood.

Other match flags

Date of birth, deceased flag, and address quality.

Capability	Values	Description
Date of birth match result	match, mismatch, unrecognised value, no result	Match result for the subject’s date of birth.
Deceased flag	Y, N, no result	Indicates whether the subject is recorded as deceased.
Input address quality level	1 (excellent), 2 (good), 3 (poor), 4 (not possible to validate)	Quality of the submitted address.

Default outcomes

The table below lists the default outcomes for this variant.

Outcome	Condition	Description
Alert	Deceased flag is Y	The subject is recorded as deceased.
Identity Match	Last name is match and first name is match and DOB is match and address is match	All four elements fully matched.
Partial Identity Match	Last name is match and first name is match and (DOB is match or address is match)	Name confirmed plus either DOB or address, but not all four.
Identity Mismatch	Default (no conditions matched)	The subject could not be verified.

New Zealand: Directors and Shareholders

This variant verifies New Zealand subjects against trusted directors and shareholders data sources. It matches name and address at the individual component level (premise, thoroughfare, locality, postal code), providing more granular address verification than other NZ variants.

Detail	Value
Required inputs	Full name, current address
Optional inputs	None

Capabilities

The capabilities returned by this variant are grouped into name and address component match flags.

Name match flags

Match results for the subject’s first, middle, and last names.

Capability	Values	Description
First name match result	match, mismatch, no result	Match result for the subject’s first name.
Middle names match result	match, mismatch, no result	Match result for the subject’s middle name(s).
Last names match result	match, mismatch, no result	Match result for the subject’s last name.

Address component match flags

Granular match results for individual address components.

Capability	Values	Description
Premise match result	match, mismatch, no result	Match result for the property number.
Sub building match result	match, mismatch, no result	Match result for the sub-building (flat or unit number).
Thoroughfare match result	match, mismatch, no result	Match result for the street name.
Locality match result	match, mismatch, no result	Match result for the city or town.
Dependent locality match result	match, mismatch, no result	Match result for the suburb or neighbourhood.
Postal code match result	match, mismatch, no result	Match result for the postal code.

Default outcomes

The table below lists the default outcomes for this variant.

Outcome	Condition	Description
Identity Match	First name is match and last names is match and premise is match and thoroughfare is match and postal code is match and (dependent locality is match or locality is match)	Full match. Name confirmed and address verified at the component level. Both the dependent locality and locality are accepted for the location component, because NZ addresses might use either.
Identity Mismatch	Default (no conditions matched)	The subject could not be verified.

For a full explanation of match flag values, see match flags in the glossary.

New Zealand: Driver Licence

This variant verifies New Zealand subjects against trusted driver licence data sources in real time. It verifies the licence number, version number, name, and date of birth.

Detail	Value
Required inputs	Full name, date of birth, driving licence document (licence number and version number). The type field must be set to Driving Licence; the check fails if it is missing.
Optional inputs	None

Capabilities

This variant returns the same name match flags as New Zealand: Land Titles, plus:

Capability	Values	Description
Date of birth match result	match, not available, no result	Match result for the subject’s date of birth.
Driving licence number match result	match, not available, no result	Match result for the submitted licence number against the government record.
Document version number match result	match, not available, no result	Match result for the licence card version number. NZ driver licences have a version number that changes each time the card is renewed or replaced.
Supplied DOB below age threshold	Y, N	Indicates whether the subject is under 18.
Supplier decision	match, mismatch, no result	The data source’s overall match decision.

Default outcomes

The table below lists the default outcomes for this variant.

Outcome	Condition	Description
Alert	Supplied DOB below age threshold is Y	The subject is under 18.
Identity Match	Supplier decision is match	The data source confirmed the subject’s identity.
Identity Mismatch	Default (no conditions matched)	The subject could not be verified.

Input payload

The following is a sample payload used to submit identity data to the Data Verification module for processing.

JSON

{
  "resourceId": "your-journey-resourceID@latest",
  "context": {
    "subject": {
      "identity": {
        "firstName": "James",
        "middleNames": ["William"],
        "lastNames": ["Walker"],
        "dateOfBirth": "1990-03-15",
        "currentAddress": {
          "premise": "12B",
          "thoroughfare": "Queen Street",
          "locality": "Auckland",
          "postalCode": "1010",
          "country": "NZL"
        }
      },
      "documents": [
        {
          "type": "Driving Licence",
          "number": "NZ111111",
          "cardNumber": "111"
        }
      ]
    }
  }
}

Field descriptions

The table below describes each field in the payload, including validation rules for driver licence document fields.

Field	Required	Description
identity.firstName	Yes	First name of the subject.
identity.middleNames	No	Array containing middle name(s) of the subject.
identity.lastNames	Yes	Array containing the last name(s) of the subject.
identity.dateOfBirth	Yes	Date of birth in YYYY-MM-DD format.
identity.currentAddress	No	Current address of the subject, broken down into premise, thoroughfare, locality, postalCode, and country (ISO 3166-1 alpha-3).
documents[].type	Yes	Document type. Must be set to "Driving Licence"; the check fails if this field is missing.
documents[].number	Yes	Driver licence number. Must match the pattern ^[A-Za-z]{1,2}[0-9]{6}$ (1–2 letters followed by 6 digits). Example: "AB123456".
documents[].cardNumber	Yes	Card version number printed on the driver licence. Must match the pattern ^[0-9]{3}$ (exactly 3 digits). Example: "123".

Sample response

The following is a sample response for a successful identity match.

JSON

{
  "outcome": "Identity Match",
  "advice": {}
}

For a full explanation of match flag values, see match flags in the glossary.

New Zealand: Land Titles

This variant verifies New Zealand subjects against trusted land ownership data sources. It uses field-level match flags with a supplier decision capability that provides the data source’s overall match assessment.

Detail	Value
Required inputs	Full name, current address
Optional inputs	None

Capabilities

The capabilities returned by this variant are grouped into name match flags, an address match flag, address quality, and supplier decision.

Name match flags

Match results for the subject’s first, middle, and last names against the Land Titles record.

Capability	Values	Description
First name match result	match, not available, no result	Match result for the subject’s first name against the Land Titles record.
Middle names match result	match, not available, no result	Match result for the subject’s middle name(s).
Last names match result	match, not available, no result	Match result for the subject’s last name.

Address match flag

Overall address match result.

Capability	Values	Description
Overall address match result	match, not available, no result	Overall address match result.

Address quality

Indicator of how well the submitted address could be validated.

Capability	Values	Description
Input address quality level	1 (excellent), 2 (good), 3 (poor), 4 (not possible to validate)	A broad indicator of the quality of the submitted address. A value of 4 (the default) indicates the address could not be validated. This capability can be used in custom evaluation rules to filter out results where the address input was too poor to produce a meaningful match.

Supplier decision

Overall match decision returned by the data source. This is the primary capability used in the default outcome logic.

Capability	Values	Description
Supplier decision	match, mismatch, unrecognised value, not available, no result	The data source’s overall match decision. This is the primary capability used in the default outcome logic.

Default outcomes

The table below lists the default outcomes for this variant.

Outcome	Condition	Description
Identity Match	Supplier decision is match	The data source confirmed the subject’s identity.
Identity Mismatch	Default (no conditions matched)	The subject could not be verified.

For a full explanation of match flag values, see match flags in the glossary.

New Zealand: Passport

This variant verifies New Zealand subjects against trusted passport data sources. It verifies the passport number, expiry date, name, and date of birth.

Detail	Value
Required inputs	Full name, current address, date of birth, passport document (passport number and expiry date). The type field must be set to Passport; the check fails if it is missing.
Optional inputs	None

Capabilities

This variant returns the same name and DOB match flags as New Zealand: Birth Certificate (without GovID), plus:

Capability	Values	Description
Passport number match result	match, not available, no result	Match result for the submitted passport number.
Passport expiry match result	match, not available, no result	Match result for the passport expiry date. A match confirms the submitted expiry date matches the record, which also implicitly confirms the passport has not been replaced.
Supplied DOB below age threshold	Y, N	Indicates whether the subject is under 18.
Supplier decision	match, mismatch, no result	The data source’s overall match decision.

Default outcomes

The table below lists the default outcomes for this variant.

Outcome	Condition	Description
Alert	Supplied DOB below age threshold is Y	The subject is under 18.
Identity Match	Supplier decision is match	Passport details confirmed.
Identity Mismatch	Default (no conditions matched)	The subject could not be verified.

Input payload

The following is a sample payload used to submit identity data to the Data Verification module for processing.

JSON

{
  "resourceId": "your-journey-resourceID@latest",
  "context": {
    "subject": {
      "identity": {
        "firstName": "James",
        "middleNames": ["William"],
        "lastNames": ["Walker"],
        "dateOfBirth": "1990-03-15"
      },
      "documents": [
        {
          "type": "Passport",
          "number": "AB123456",
          "expiryDate": "2029-03-14"
        }
      ]
    }
  }
}

Field descriptions

The table below describes each field in the payload, including validation rules for passport document fields.

Field	Required	Description
identity.firstName	Yes	First name of the subject.
identity.middleNames	No	Array containing middle name(s) of the subject.
identity.lastNames	Yes	Array containing the last name(s) of the subject.
identity.dateOfBirth	Yes	Date of birth in YYYY-MM-DD format.
documents[].type	Yes	Document type. Must be set to "Passport"; the check fails if this field is missing.
documents[].number	Yes	Passport number. Must match the pattern ^[A-Za-z]{1,2}[0-9]{6}$ (1–2 letters followed by 6 digits). Example: "AB123456".
documents[].expiryDate	Yes	Passport expiry date in YYYY-MM-DD format. Example: "2029-03-14".

Sample response

The following is a sample response for a successful identity match.

JSON

{
  "outcome": "Identity Match",
  "advice": {}
}

For a full explanation of match flag values, see match flags in the glossary.

New Zealand: Single match gov ID source

This variant orchestrates identity verification across multiple New Zealand government ID sources (driver licence, passport, citizenship certificate, and birth certificate). It manages the verification workflow across sources and reports an overall verification status.

Detail	Value
Required inputs	Determined by the registration process
Optional inputs	None

Capabilities

The table below lists the capabilities returned by this variant.

Capability	Type	Values	Description
Overall verification result	Enumset	VERIFIED, IN_PROGRESS	The overall verification status. VERIFIED indicates the verification rule has been met across the required sources. IN_PROGRESS indicates verification is not yet complete. Additional sources may still need to be checked.
DVS sources remaining	Enumset	nztadriverslicence, nzpassport, nzcitizenship, nzbirthcertificate	The government ID sources (Document Verification Service sources) that have not yet been checked. This capability is informational and is not used in the default outcome logic.

Default outcomes

The table below lists the default outcomes for this variant.

Outcome	Condition	Description
Refer	Overall verification status includes IN_PROGRESS	Verification is not yet complete. The journey should route to additional verification steps or manual review.
Error	Default	An unexpected error occurred.

New Zealand: Single match standard sources

This variant verifies identity against any standard New Zealand source (not limited to government sources). It provides a simpler capability set with only the overall verification status without a sources-remaining tracker.

Detail	Value
Required inputs	Determined by the registration process
Optional inputs	None

Capabilities

The table below lists the capabilities returned by this variant.

Capability	Type	Values	Description
Overall verification result	Enumset	VERIFIED, IN_PROGRESS	The overall verification status. VERIFIED indicates at least one standard source confirmed the subject’s identity. IN_PROGRESS indicates verification is not yet complete.

Default outcomes

The table below lists the default outcomes for this variant.

Outcome	Condition	Description
Pass	Overall verification status includes VERIFIED	Identity verified against at least one standard source.
Refer	Overall verification status includes IN_PROGRESS	Verification is not yet complete.
Error	Default	An unexpected error occurred.

New Zealand: Tenancy

This variant verifies New Zealand subjects against trusted tenancy data sources. Unlike the Australian Tenancy variant (which uses a simple supplier decision), this variant provides individual field-level match flags with a partial match outcome.

Detail	Value
Required inputs	Full name, current address, date of birth
Optional inputs	None

Capabilities

The table below lists the capabilities returned by this variant.

Capability	Values	Description
First name match result	match, mismatch, no result	Match result for first name.
Last names match result	match, mismatch, no result	Match result for last name.
Date of birth match result	match, mismatch, no result	Match result for DOB.
Overall address match result	match, mismatch, no result	Overall address match result.
Input address quality level	1–4	Quality of the submitted address.

Default outcomes

The table below lists the default outcomes for this variant.

Outcome	Condition	Description
Identity Match	First name is match and last name is match and DOB is match and address is match	All four elements fully matched.
Partial Identity Match	First name is match and last name is match and (DOB is match or address is match)	Name confirmed plus either DOB or address, but not all four elements.
Identity Mismatch	Default	The subject could not be verified.

For a full explanation of match flag values, see match flags in the glossary.

Peru: Single match

This variant performs a single-source identity verification check for Peruvian subjects. It extends the standard source-count capabilities with an ID + Name match counter (without requiring address or DOB alongside the ID) and a phone match indicator.

Detail	Value
Required inputs	Full name, date of birth, identity card (DNI)
Optional inputs	Current address, mobile phone, work email, personal email, landline phone

Capabilities

This variant returns all the same source-count capabilities as Argentina: Single match, plus:

ID + Name matches

The number of data sources where the subject’s national ID number and name matched, without requiring address or DOB.

Detail	Description
Type	Integer
Range	0–5
Default	0

This is a lower-confidence match than ID + Name + Address or ID + Name + DOB, but it confirms that the ID number is associated with the submitted name.

Phone match

Value	Description
true	One or more phone numbers matched.
false	No phone numbers matched. This is the default value.

Default outcomes

The table below lists the default outcomes for this variant.

Outcome	Condition	Description
ALERT	Is under 18 is true	The subject is under 18.
Match	Name + DOB + Address ≥ 1 or ID + Name + Address ≥ 1 or ID + Name + DOB ≥ 1 or ID + Name + DOB + Address ≥ 1	Full match.
Partial Match	Name + Address ≥ 1 or Name + DOB ≥ 1 or ID + Name ≥ 1	Partial match. Note that ID + Name (without address or DOB) qualifies as a partial match for Peru.
No Match	Name + Address < 1	No match.
Error	Default	An unexpected error occurred.

Poland: Single match

This variant performs a single-source check for Polish subjects.

Detail	Value
Required inputs	Determined by journey configuration
Optional inputs	None

The capabilities are the same as Argentina: Single match.

Default outcomes

The table below lists the default outcomes for this variant.

Outcome	Condition	Description
ALERT	Is under 18 is true	The subject is under 18.
Match	Name + DOB + Address ≥ 1	Full match.
Partial Match	Name + Address ≥ 1 or Name + DOB ≥ 1	Partial match.
No Match	Name + Address < 1	No match.
Error	Default	An unexpected error occurred.

Poland: Single match population

This variant performs a single-source check for Polish subjects against population register data sources. Capabilities and default outcomes are the same as Poland: Single match.

South Africa: Single match

This variant performs a single-source identity verification check for South African subjects using their identity card number (South African ID number), a 13-digit number that encodes the subject’s date of birth, gender, and citizenship status).

Detail	Value
Required inputs	Full name, identity card number
Optional inputs	Current address, date of birth, landline phone, mobile phone, gender

The capabilities are the same as Argentina: Single match.

Spain: Citizen Source

This variant verifies Spanish subjects against trusted citizen data sources. It provides the most granular field-level matching of any Spain variant, including individual address component matches, phone number matching, email matching, and a “Could Not Locate” outcome.

Detail	Value
Required inputs	Full name, current address (with country code), date of birth, phone, email
Optional inputs	None

Capabilities

The capabilities returned by this variant are grouped into name, address, and other match flags.

Name match flags

Match results for the subject’s first name, last name, and initial.

Capability	Values	Description
First name match result	match, mismatch, partial match, not available, unrecognised value, no result	Match result for first name.
Last names match result	Same values	Match result for last name.
Initial matches	match, mismatch, not available, unrecognised value, no result	Match result for the subject’s initial.

Address match flags

Match results for the subject’s address, both overall and at the component level.

Capability	Values	Description
Overall address match result	match, mismatch, partial match, not available, unrecognised value, no result	Overall address match result.
Address line 1 match flag	match, mismatch, not available, unrecognised value, no result	Match result for the first line of the address.
Postal code match result	Full value set (including partial match)	Match result for postal code.
Locality match result	Full value set	Match result for city or town.
Administrative area match result	Full value set	Match result for province or autonomous community.

Other match flags

Date of birth, phone, email, and address quality.

Capability	Values	Description
Date of birth match result	Full value set (including partial match)	Match result for DOB.
Phone match result	match, mismatch, not available, unrecognised value, no result	Match result for phone number.
Email match result	Same values	Match result for email address.
Input address quality level	1–4	Quality of the submitted address.

Default outcomes

The table below lists the default outcomes for this variant.

Outcome	Condition	Description
Identity Match	First name matches or partially matches and last name matches or partially matches and DOB matches or partially matches and address matches or partially matches	All four core elements confirmed.
Partial Identity Match	First name matches or partially matches and last name matches or partially matches and (DOB matches or partially matches or address matches or partially matches)	Name confirmed plus either DOB or address.
Could Not Locate	First name is not available and last name is not available	The subject could not be found in the data source.
Identity Mismatch	Default	No verification path produced a passing result.

For a full explanation of match flag values, see match flags in the glossary.

Spain: Single match

This variant performs a single-source identity verification check for Spanish subjects.

Detail	Value
Required inputs	Full name, current address
Optional inputs	Date of birth, identity card (DNI/NIE), landline phone

The capabilities are the same as Argentina: Single match.

Sweden: Single match personal ID

This variant performs a single-source identity verification check for Swedish subjects using their personnummer (personal identity number).

Detail	Value
Required inputs	Determined by journey configuration
Optional inputs	None

The capabilities are the same as Argentina: Single match.

Default outcomes

The table below lists the default outcomes for this variant.

Outcome	Condition	Description
ALERT	Is under 18 is true	The subject is under 18.
Match	Name + DOB + Address ≥ 1	Full match.
Partial Match	Name + Address ≥ 1 or Name + DOB ≥ 1	Partial match.
No Match	Name + Address < 1	No match.
Error	Default	An unexpected error occurred.

Sweden: Single match population

This variant performs a single-source check for Swedish subjects against population register data sources. Capabilities and default outcomes are the same as Sweden: Single match personal ID.

UK: Credit Bureau 1

This variant verifies UK subjects against Electoral Register and credit database information held by a specific credit bureau partner. It uses a different capability structure from the standard source-count pattern, counting matches at two levels of granularity (specific element combinations and broader “any match” totals) rather than the ID-based combinations used by other countries.

Detail	Value
Required inputs	Full name, current address
Optional inputs	Date of birth, gender

Capabilities

This variant returns several count-based capabilities and an under-18 flag, described below.

Count of matches against name and address

The number of data sources where the subject’s name and address matched.

Detail	Description
Type	Integer
Range	0–5
Default	0

Count of matches against name and date of birth

The number of data sources where the subject’s name and date of birth matched.

Detail	Description
Type	Integer
Range	0–5
Default	0

Count of matches against name, address and date of birth

The number of data sources where all three elements (name, address, and date of birth) matched. This is the strongest match combination for this variant and is the threshold for the Identity Match outcome.

Detail	Description
Type	Integer
Range	0–5
Default	0

Total sources with more than one field match

The total number of data sources that matched on more than one field (any combination). This serves as the threshold for the Partial Identity Match outcome. It captures cases where some elements matched but not the full name + address + DOB combination.

Detail	Description
Type	Integer
Range	0–5
Default	0

Total sources where name and address match

An aggregate count of sources confirming the name and address combination.

Detail	Description
Type	Integer
Range	0–5
Default	0

Total sources where name and date of birth match

An aggregate count of sources confirming the name and date of birth combination.

Detail	Description
Type	Integer
Range	0–5
Default	0

Is under 18

Value	Description
true	The subject is under 18.
false	The subject is 18 or older. This is the default value.

Default outcomes

The table below lists the default outcomes for this variant.

Outcome	Condition	Description
Alert	Is under 18 is true	The subject is under 18.
Identity Match	Name + address + DOB match count ≥ 1	All three core elements confirmed by at least one source.
Partial Identity Match	Total any match count ≥ 1	At least one source matched on more than one field, but not the full combination.
Identity Mismatch	Default (no conditions matched)	No verification path produced a passing result.

Outcome thresholds are configurable. Your organisation may have different thresholds configured based on your verification requirements.

Configuration

You can configure how matches are counted for this variant in the module settings. These settings control which match types are included in the count totals.

Setting	Description
Include ER into count	Include electoral roll matches in the count totals.
Include alias forename into count	Include alias (known-as) name matches in the count totals.
Include partial forename into count	Include partial first name matches in the count totals.
Include partial surname into count	Include partial last name matches in the count totals.
Include partial address into count	Include partial address matches in the count totals.

Understanding specific counts vs. total counts

The capability counters operate at two levels:

• Specific counts (e.g. nameAddressMatchCount) only increment when exactly the listed fields matched, with no additional fields.
• Total counts (e.g. totalNameAndAddressMatchCount) increment when those fields matched, regardless of whether additional fields also matched.

For example, if 3 sources matched on name + address + DOB and 1 source matched on name + address only:

Counter	Value	Explanation
nameAddressDobMatchCount	3	Only the exact three-field matches
nameAddressMatchCount	1	Only the exact two-field match
totalNameAndAddressMatchCount	4	All sources where name and address matched, including the 3 that also matched DOB
totalAnyMatchCount	4	All sources with more than one field match

Input payload

The following is a sample payload used to submit identity data to the Data Verification module for processing.

JSON

{
  "resourceId": "your-journey-resourceID@latest",
  "context": {
    "subject": {
      "identity": {
        "firstName": "Jane",
        "lastNames": ["Doe"],
        "dateOfBirth": "1990-05-15",
        "phones": [
          {
            "type": "mobile",
            "number": "[phone]"
          },
          {
            "type": "landline",
            "number": "[phone]"
          }
        ],
        "currentAddress": {
          "country": "GBR",
          "locality": "London",
          "thoroughfare": "High Street",
          "building": "10"
        }
      }
    }
  }
}

Replace your-journey-resourceID@latest with your journey’s resource ID. You can find this in the Journey Builder after publishing your journey.

Sample response

The following is a sample response showing a successful identity match against multiple sources.

{
  "result": {
    "inner": [
      {
        "sourceType": "electoral_roll",
        "advice": {
          "addressMatchFlag": "match",
          "lastNamesMatchFlag": "match",
          "firstNameMatchFlag": "match",
          "middleNamesMatchFlag": "match"
        }
      },
      {
        "sourceType": "tradeline",
        "advice": {
          "firstNameMatchFlag": "match",
          "lastNamesMatchFlag": "match",
          "middleNamesMatchFlag": "match",
          "dateOfBirthMatchFlag": "match",
          "addressMatchFlag": "match",
          "isUnder18": false
        }
      },
      {
        "sourceType": "tradeline",
        "advice": {
          "firstNameMatchFlag": "match",
          "lastNamesMatchFlag": "match",
          "middleNamesMatchFlag": "match",
          "dateOfBirthMatchFlag": "match",
          "addressMatchFlag": "match",
          "isUnder18": false
        }
      }
    ],
    "advice": {
      "nameAddressDobMatchCount": 2,
      "nameAddressMatchCount": 1,
      "nameDobMatchCount": 0,
      "totalAnyMatchCount": 3,
      "totalNameAndAddressMatchCount": 3,
      "totalNameAndDobMatchCount": 2,
      "isUnder18": false
    },
    "status": "complete",
    "outcome": "Identity Match"
  }
}

In this example:

• 2 tradeline sources matched on name, address, and DOB (nameAddressDobMatchCount: 2)
• 1 electoral roll source matched on name and address only (nameAddressMatchCount: 1)
• 0 sources matched on name and DOB exclusively (nameDobMatchCount: 0)
• 3 total sources had more than one field match (totalAnyMatchCount: 3)
• The inner array provides per-source detail with individual match flags for each source

For a full explanation of match flag values, see match flags in the glossary.

UK: Credit Bureau 2

This variant queries a different UK credit bureau partner. Capabilities, configuration, and default outcomes are the same as UK: Credit Bureau 1.

Detail	Value
Required inputs	Full name, current address
Optional inputs	Date of birth, gender

UK: Credit Bureau 3

This variant queries a third UK credit bureau partner. Capabilities, configuration, and default outcomes are the same as UK: Credit Bureau 1.

Detail	Value
Required inputs	Full name, current address
Optional inputs	Date of birth, gender

UK: Edited and Historical Electoral Roll

This variant verifies UK subjects against electoral roll data. It uses field-level match flags rather than source counts, providing granular detail on which individual identity elements matched.

Detail	Value
Required inputs	Full name, date of birth, current address
Optional inputs	None

Capabilities

The capabilities returned by this variant are grouped into name and other match flags.

Name match flags

Match results for the subject’s first, middle, and last names.

Capability	Values	Description
First name matches	match, initial match, alias match, partial match, mismatch, not available, no result, unrecognised value	Match result for the subject’s first name. An initial match indicates only the initial letter matched. An alias match indicates the name matched a known alias.
Middle names matches	match, initial match, partial match, mismatch, not available, no result, unrecognised value	Match result for the subject’s middle name(s).
Last names matches	match, partial match, mismatch, not available, no result, unrecognised value	Match result for the subject’s last name.

Other match flags

Address, date of birth, and under-18 flag.

Capability	Values	Description
Address matches	match, partial match, mismatch, not available, no result, unrecognised value	Overall address match result.
Date of birth matches	match, partial match, mismatch, not available, no result, unrecognised value	Match result for the subject’s date of birth.
Under 18 flag	Y, N, no result	Indicates whether the subject is under 18.

Default outcomes

The table below lists the default outcomes for this variant.

Outcome	Condition	Description
Alert	Under 18 is Y	The subject is under 18.
Identity Match	First name matches or partially matches and last name matches or partially matches and DOB matches or partially matches and address matches or partially matches	All four key elements confirmed.
Partial Identity Match	First name matches or partially matches and last name matches or partially matches and (DOB matches or partially matches or address matches or partially matches)	Name confirmed, plus either DOB or address (but not both).
Could Not Locate	First name is not available and last name is not available	The subject could not be found. No match was attempted because no record was located.
Identity Mismatch	Default (no conditions matched)	A record was located but key elements did not match.

For a full explanation of match flag values, see match flags in the glossary.

UK: National ID Register

This variant verifies UK subjects against the National ID Register. It uses field-level match flags similar to the Electoral Roll variant, but adds phone number matching capabilities (landline and mobile).

Detail	Value
Required inputs	Full name, date of birth, current address
Optional inputs	National Insurance Number

Capabilities

The name, address, date of birth, and under 18 match flags are the same as UK: Edited and Historical Electoral Roll, with one difference: first name matches also accepts alias match as a qualifying value for the Identity Match outcome (not just match and partial match).

This variant adds two phone match flags.

Phone match flags

Match results for the subject’s landline and mobile phone numbers.

Capability	Values	Description
Landline phone match	match, mismatch, not available, unrecognised value, no result	Match result for the subject’s landline phone number.
Mobile phone match	match, mismatch, not available, unrecognised value, no result	Match result for the subject’s mobile phone number.

Default outcomes

The table below lists the default outcomes for this variant.

Outcome	Condition	Description
Alert	Under 18 is Y	The subject is under 18.
Identity Match	First name matches, partially matches, or alias matches and last name matches or partially matches and DOB matches or partially matches and address matches or partially matches	All four key elements confirmed. Note that alias match qualifies for full match here, unlike the Electoral Roll variant.
Partial Identity Match	First name matches or partially matches and last name matches or partially matches and DOB matches or partially matches or address matches or partially matches	Name confirmed, plus either DOB or address.
Could Not Locate	First name is not available and last name is not available	The subject could not be found on the register.
Identity Mismatch	Default (no conditions matched)	A record was located but key elements did not match.

For a full explanation of match flag values, see match flags in the glossary.

UK: Single match all sources

This variant performs a single-source check across all available UK data sources.

Detail	Value
Required inputs	Full name, date of birth, current address
Optional inputs	Gender, mobile phone, National Insurance Number, mother’s maiden name, landline phone

The capabilities are the same as Argentina: Single match.

Default outcomes

The table below lists the default outcomes for this variant.

Outcome	Condition	Description
ALERT	Is under 18 is true	The subject is under 18.
Match	Name + DOB + Address ≥ 1	Full match.
Partial Match	Name + Address ≥ 1 or Name + DOB ≥ 1	Partial match.
No Match	Name + Address < 1	No match.
Error	Default	An unexpected error occurred.

UK: Single match Credit Bureau 1 (Legacy)

This variant is deprecated. Use UK: Single match all sources or the non-legacy UK: Credit Bureau 1 variant instead.

This legacy variant performs a single-source check against a specific credit bureau. It uses the standard source-count capabilities (without GBG score) rather than the CRA-specific match count structure used by the non-legacy Credit Bureau variants.

Detail	Value
Required inputs	Full name, current address
Optional inputs	Date of birth, gender

The capabilities are the same as Argentina: Single match, excluding the GBG score. The default outcomes follow the standard pattern: ALERT → Match (Name + DOB + Address ≥ 1) → Partial Match → No Match → Error.

UK: Single match Credit Bureau 2 (Legacy)

This variant is deprecated.

This legacy variant queries a second credit bureau. Capabilities and default outcomes are the same as UK: Single match Credit Bureau 1 (legacy).

Detail	Value
Required inputs	Full name, current address
Optional inputs	Date of birth

UK: Single match Credit Bureau 3 (Legacy)

This variant is deprecated.

This legacy variant queries a third credit bureau. Capabilities and default outcomes are the same as UK: Single match Credit Bureau 1 (legacy).

Detail	Value
Required inputs	Full name, date of birth, current address
Optional inputs	None

UK: Single match super bureau

This variant performs a single-source check against the aggregated super bureau.

US: Credit Bureau

This variant verifies US subjects against credit bureau data. It uses field-level match flags (including SSN and phone matching) rather than the enumset-based risk code structure used by the US Source 1 variants.

Detail	Value
Required inputs	Full name, current address
Optional inputs	Date of birth, phone, SSN

Capabilities

The table below lists the capabilities returned by this variant.

Capability	Values	Description
First name match result	match, mismatch, partial match, not available, unrecognised value, no result	Match result for the subject’s first name.
Middle names match result	Same values	Match result for middle name(s).
Last names match result	Same values	Match result for last name.
Date of birth match result	Same values	Match result for date of birth.
Overall address match result	Same values	Overall address match result.
SSN match result	Same values	Match result for the Social Security Number.
Phone match result	match, mismatch, not available, unrecognised value, no result	Match result for the submitted phone number.
Input address quality level	1 (excellent), 2 (good), 3 (poor), 4 (not possible to validate)	Quality of the submitted address.

Default outcomes

The table below lists the default outcomes for this variant.

Outcome	Condition	Description
Identity Match	First name matches or partially matches and last name matches or partially matches and DOB matches or partially matches and address matches or partially matches	All four core elements confirmed.
Partial Identity Match	First name matches or partially matches and last name matches or partially matches and DOB matches or partially matches or address matches or partially matches or SSN matches	Name confirmed plus at least one of DOB, address, or SSN.
Could Not Locate	First name is not available and last name is not available	The subject could not be found.
Identity Mismatch	Default	No verification path produced a passing result.

Input payload

The following is a sample payload used to submit identity data to the Data Verification module for processing.

JSON

{
  "resourceId": "your-journey-resourceID@latest",
  "context": {
    "subject": {
      "identity": {
        "firstName": "Jane",
        "middleNames": ["Marie"],
        "lastNames": ["Doe"],
        "dateOfBirth": "1990-05-15",
        "currentAddress": {
          "premise": "100",
          "thoroughfare": "Main Street",
          "locality": "New York",
          "postalCode": "10001",
          "country": "USA"
        },
        "phones": [
          {
            "type": "mobile",
            "number": "[phone]"
          }
        ]
      },
      "accounts": [
        {
          "type": "bank",
          "accountNumber": "000123456789",
          "sortCode": "021000021"
        }
      ],
      "documents": [
        {
          "type": "drivers_licence",
          "number": "D12345678",
          "documentVersionNumber": "01"
        }
      ]
    }
  }
}

Replace your-journey-resourceID@latest with your journey’s resource ID. You can find this in the Journey Builder after publishing your journey.

Sample response

The following is a sample response for a successful identity match.

JSON

{
  "outcome": "Identity Match",
  "advice": {}
}

For a full explanation of match flag values, see match flags in the glossary.

US: Credit Bureau 1

This variant performs a US identity verification check via a credit bureau. It uses a hybrid capability structure that combines individual field-level match flags with the full enumset-based risk code suite documented under US: Source 1 (Legacy). The bureau is selected through credential routing. Contact GBG for bureau selection guidance.

Detail	Value
Required inputs	Full name, current address
Optional inputs	Date of birth, previous addresses, mobile phone, personal email, SSN

Capabilities

This variant returns field-level match flags grouped into name, address, and other categories, alongside the full enumset risk code suite.

Name match flags

Match results for the subject’s first and last names.

Capability	Values	Description
First name matches	match, partial match, mismatch, not available, no result	Match result for the subject’s first name.
Last names matches	Same values	Match result for the subject’s last name.

Address match flags

Match results for the subject’s address, both overall and at the component level.

Capability	Values	Description
Address matches	match, partial match, mismatch, not available, no result	Overall address match result.
Thoroughfare matches	Same values	Match result for the street name.
Locality matches	Same values	Match result for the city or town.
Postal code matches	Same values	Match result for the postal/ZIP code.
Building matches	Same values	Match result for the building or house number.
Administrative area matches	Same values	Match result for the state.

Other match flags

Date of birth and Social Security Number.

Capability	Values	Description
Date of birth matches	match, month level match, year level match, partial match, mismatch, not available, no result	Match result for DOB. month level match indicates the month and year matched but the day did not. year level match indicates only the year matched.
Social insurance number matches	match, partial match, mismatch, not available, no result	Match result for the SSN.

Enumset risk code capabilities

This variant also returns all enumset risk code categories documented under US: Source 1 (Legacy): subject risk codes, address risk codes (including warm address alerts), DOB risk codes, SSN risk codes, acceptance result, match result, COPPA alert, alert list, Trust USA risk codes, and Trust USA result.

Default outcomes

The outcome logic combines the match result and acceptance result capabilities. This is the same as US: Source 1 (Legacy). The individual field-match flags are not used in the default outcome logic. They are available for custom evaluation rules.

Outcome	Condition	Description
Match	Match result includes result.match and acceptance result includes id.success	Subject located and identity check passed.
Match Restricted	Match result includes result.match.restricted	Subject located but match is restricted (for example, COPPA, deceased).
No Match	Match result includes result.match and acceptance result includes id.failure	Subject located but identity check failed.
Could Not Locate	Match result includes result.no.match and acceptance result includes id.failure	Subject could not be found in data sources.
Partial Match	Match result includes result.match and acceptance result includes id.partial	Partial verification — some elements confirmed but not all.
Error	Default (no conditions matched)	An unexpected error occurred.

US: Credit Bureau 2

This variant queries a different credential-routed credit bureau. Capabilities and default outcomes are the same as US: Credit Bureau 1.

Detail	Value
Required inputs	Full name, current address
Optional inputs	Date of birth, previous addresses, mobile phone, personal email, SSN

US: Source 1 (Legacy)

This variant performs a comprehensive US identity verification check using name and address as required inputs, with optional DOB, SSN, phone, and email. It returns an extensive set of enumset-based risk code capabilities rather than simple match flags. This capability structure is unique to US variants and provides deep fraud and risk intelligence alongside identity matching.

Detail	Value
Required inputs	Full name, current address
Optional inputs	Date of birth, previous addresses, mobile phone, personal email, SSN

Capabilities

All US Source 1 variants share the same capability set. The capabilities are enumset types. Each can contain zero or more result codes simultaneously.

Subject risk codes

Flags indicating issues with the subject record itself.

Code	Description
Subject is Deceased	The subject is recorded as deceased.
Multiple Records Found	More than one record matched the submitted identity elements.
Thin File	The subject has a limited data history, which reduces verification confidence.
Data Strength Alert	The data available for the subject is insufficient for a confident match.

Name risk codes

Code	Description
Last Name Does Not Match	The submitted last name did not match the located record.
First Name Does Not Match	The submitted first name did not match the located record.

Address risk codes

This is the largest capability category, covering match failures, deliverability issues, behavioural signals, and warm address alerts.

• Match codes: Address Does Not Match, Street Number Does Not Match, Street Name Does Not Match, Address Does Not Match Within Tolerance, City Does Not Match, State Does Not Match, Zip Code Does Not Match.

• Deliverability signals: Input Address Is Not Deliverable, Located Address Is Not Deliverable, Input Invalid Delivery Address, Input Address is Deliverable After Dropping Building Number, Input Address is a General Delivery Address, Input Address Missing Building Number, Input Premise Number Invalid, Input Box Number Missing, Input Box Number Invalid, Input Address is Valid but Does Not Receive USPS Mail, Input Sub-Building Number Needs Correction.

• Behaviour signals: Newer Record Found (a more recent address exists), Address Velocity Alert (frequent address changes), Address Stability Alert, Address Longevity Alert (short time at address), Address Location Alert, Single Address in File, Alternate Address Alert.

• Address type signals: Input Address is a PO Box, Located Address is a PO Box, Input Address is a Military Address, Input Address is a Business Address, High Risk Address Alert.

• Warm address alerts: These flag addresses associated with specific institutional locations. Each alert exists in two forms: one for the located address and one for the input address. Location types include: Prison, Hospital, Mail Drop, Hotel, Campground, College/University, and USPO (US Post Office).

DOB risk codes

Code	Description
YOB Does Not Match	Year of birth did not match.
MOB Does Not Match	Month of birth did not match.
YOB Does Not Match, Within 1 Year Tolerance	Year of birth is off by one year.
DOB or YOB Not Available	No date of birth or year of birth data is available.
MOB Not Available	No month of birth data is available.
Age Below Minimum	The subject’s age is below the configured minimum.
Age Above Maximum	The subject’s age exceeds the configured maximum.
Day of Birth Does Not Match	The day component of the date of birth did not match.
Day of Birth Not Available	No day of birth data is available.

SSN risk codes

Codes for SSN matching, validation, and issuance anomalies. Includes both current and legacy code formats.

Code	Description
SSN Does Not Match	The submitted SSN did not match.
SSN Does Not Match, Within Tolerance	The SSN is off by one digit.
SSN Not Available	No SSN data is available for the subject.
SSN Is Invalid	The submitted SSN is not a valid format.
Input SSN is an ITIN	The submitted number is an Individual Taxpayer Identification Number, not an SSN.
ITIN Located	An ITIN was found associated with the subject.
SSN Issued Prior to DOB	The SSN was issued before the subject’s recorded date of birth.
SSN Tied to Multiple Names	The SSN is associated with more than one identity.

Acceptance result (score card)

Code	Description
id.success (Pass)	The identity check passed the configured score card rules.
id.failure (Fail)	The identity check failed.
id.partial (Partial)	The identity check partially passed.

Match result

Code	Description
result.match (Match)	The subject was located in the data sources.
result.no.match (No Match)	The subject could not be located.
result.match.restricted (Match Restricted)	The subject was located but the match is restricted (e.g. due to a COPPA alert or deceased status).

COPPA alert

Code	Description
COPPA Alert	The subject appears to be under 13 years of age, triggering the Children’s Online Privacy Protection Act restriction.

Alert list

Flags for subjects or elements that appear on configured alert lists.

Code	Description
SSN Alert	The SSN appears on an alert list.
Address Alert	The address appears on an alert list.
IP Alert	The IP address appears on an alert list.
Phone Alert	The phone number appears on an alert list.
Email Alert	The email address appears on an alert list.
Domain Alert	The email domain appears on an alert list.
Document Number Alert	A document number appears on an alert list.
Address Street Address and ZIP Alert	The street address and ZIP combination appears on an alert list.
Located SSN Alert	The SSN found in the located record appears on an alert list.

Trust USA risk codes

An extensive set of element-pair risk codes that indicate which specific combinations of input (I-prefix) and located (L-prefix) identity elements were flagged. These codes use short identifiers (e.g. IADDR for input street address, LSSN9 for located SSN9). The full set includes combinations of name, address, SSN, phone, email, IP address, and document elements. Also includes overall pass, fail, and refer result codes.

Trust USA result

Code	Description
pass	The Trust USA check passed.
fail	The Trust USA check failed.
refer	The Trust USA check requires manual review.

Default outcomes

The outcome logic combines the match result and acceptance result capabilities.

Outcome	Condition	Description
Match	Match result includes result.match and acceptance result includes id.success	Subject located and identity check passed.
Match Restricted	Match result includes result.match.restricted	Subject located but match is restricted (e.g. COPPA, deceased).
No Match	Match result includes result.match and acceptance result includes id.failure	Subject located but identity check failed.
Could Not Locate	Match result includes result.no.match and acceptance result includes id.failure	Subject could not be found in data sources.
Partial Match	Match result includes result.match or acceptance result includes id.partial	Partial verification. Some elements confirmed, but not all.
Error	Default	An unexpected error occurred.

For a full explanation of match flag values, see match flags in the glossary.

US: Source 1 (including DOB and SSN) (Legacy)

This variant requires both DOB and SSN, providing the strongest matching configuration. Capabilities and default outcomes are the same as US: Source 1.

Detail	Value
Required inputs	Full name, date of birth, current address, SSN
Optional inputs	Previous addresses, mobile phone, personal email

US: Source 1 (including DOB) (Legacy)

This variant adds date of birth as a required input for stronger matching confidence. All other capabilities and default outcomes are the same as US: Source 1.

Detail	Value
Required inputs	Full name, date of birth, current address
Optional inputs	Previous addresses, mobile phone, personal email, SSN

US: Source 1 (including SSN) (Legacy)

This variant adds SSN as a required input. All other capabilities and default outcomes are the same as US: Source 1.

Detail	Value
Required inputs	Full name, current address, SSN
Optional inputs	Previous addresses, mobile phone, personal email, date of birth