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The Identity Match endpoint returns an overall confidence score and individual scores for the user’s name, address, phone number, and email.

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Identity Match Workflow

Before you can use Identity Match, you must work with MX to enable it. Identity Match requires account owner data. Include identity_verification in the data_request.products array when:
  • Initializing the Connect Widget
  • Creating a member through the Create Member request

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Steps

  1. Create a member with identity_verification in the data_request.products array.
  2. MX retrieves account owner data from the bank.
  3. Submit an Identity Match request with the user’s identity information.
  4. Receive confidence scores comparing the submitted data to account owner data.

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Identity Match Score Ranges

Confidence scores range from 0-1. All scores are rounded to four decimal places. Every individual score is always returned. A score of 0 means there’s no match for that field.

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Identity Match with Multiple Account Owners

When a member has multiple account owner records, such as on joint accounts or across multiple accounts under the same credentials, Identity Match:
  1. Compares the submitted identity information against each account owner associated with the member.
  2. Selects the best match. If multiple account owners partially match, the highest-scoring account owner is selected.
  3. Returns scores for that single account owner. If no account owner meets the confidence threshold, the response contains the scores of the highest-scoring account owner.