Interpretation of MobileMatch

Interpreting the results of a standard MobileMatch verification.

Overview

Verification via MobileMatch is represented at the top level by a policy decision (true for all transactions on the AXN). You can confidently engage business logic based on only the policy decision, but understanding the underlying outcomes at the assertion and component levels will enable you to engage in more nuanced business logic and help users troubleshoot.

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Recommended Reading

You'll need to understand policy decisions and the process for finding and reviewing an individual transaction before attempting to analyze an individual transaction, which is what's covered here.



Assertions/Components

For standard MobileMatch, the verification process is two steps: PII verification followed by OTP verification. Since there are multiple paths through which a user can pass through PII verification and since users can be Denied at either step, it's helpful to understand each underlying component independently.

Standard PII verification uses two policy components (level 1): the "PII" component is based on four sub-components (level 2) with their own sub-components (level 3) and assertions. The "Risk Checks" component is based on four assertions. Standard OTP verification uses one policy component (level 1), the "Phone access indicator (OTP)" component which is based on one assertion.



MobileMatch PII

TEMPLATE: MobileMatch - Risk Checks
All of these assertions must pass for this level 1 component to pass.

DescriptionAssertion NameComponent Name (Level 1)
Was the last time the SIM on this phone was ported more than 14 days ago?test.lastPortGT14daysTEMPLATE: MobileMatch - Risk Checks
Was the last time the SIM on this phone was ported more than 30 days ago?test.lastPortGT30daysTEMPLATE: MobileMatch - Risk Checks
Is this phone a personal phone number?test.phone_landline_mobile_personalTEMPLATE: MobileMatch - Risk Checks
Is this phone number active?test.phoneActiveTEMPLATE: MobileMatch - Risk Checks



MobileMatch PII

TEMPLATE: MobileMatch - PII
One of these level 2 components must pass for this level 1 component to pass.

DescriptionComponent Name (Level 2)Component Name (Level 1)
Is this full name associated with this phone number?Full name associated with phoneTEMPLATE: MobileMatch - PII
Is this last name associated with this address and is that same address associated with this phone number?Last name associated with address and address associated with phoneTEMPLATE: MobileMatch - PII
Is this last name associated with this phone number and is that same phone number associated with this address?Last name associated with phone and phone associated with addressTEMPLATE: MobileMatch - PII
Is this last name associated with this phone number and address and is that same phone number associated with that address' ZIP code?Last name associated with phone and address and phone associated with ZIP codeTEMPLATE: MobileMatch - PII



MobileMatch PII

Full name associated with phone
All of these assertions must pass for this level 2 component to pass.

DescriptionAssertion NameComponent Name (Level 2)Component Name (Level 1)
Is this full name associated with this phone number?link.fullName_phoneFull name associated with phoneTEMPLATE: MobileMatch - PII



MobileMatch PII

Last name associated with address and address associated with phone
All of these assertions must pass for this level 2 component to pass.

DescriptionAssertion NameComponent Name (Level 3)Component Name (Level 2)Component Name (Level 1)
Is this last name associated with this address?link.lastName_addressLast name associated with addressLast name associated with address and address associated with phoneTEMPLATE: MobileMatch - PII
Is this phone number associated with this address?link.phone_addressPhone associated with addressLast name associated with address and address associated with phoneTEMPLATE: MobileMatch - PII



MobileMatch PII

Last name associated with phone and phone associated with address
All of these assertions must pass for this level 2 component to pass.

DescriptionAssertion NameComponent Name (Level 3)Component Name (Level 2)Component Name (Level 1)
Is this last name associated with this phone number?link.lastName_phoneLast name associated with phoneLast name associated with phone and phone associated with addressTEMPLATE: MobileMatch - PII
Is this phone number associated with this address?link.phone_addressPhone associated with addressLast name associated with phone and phone associated with addressTEMPLATE: MobileMatch - PII



MobileMatch PII

Last name associated with phone and address and phone associated with ZIP code
All of these assertions must pass for this level 2 component to pass.

DescriptionAssertion NameComponent Name (Level 3)Component Name (Level 2)Component Name (Level 1)
Is this last name associated with this address?link.lastName_addressLast name associated with addressLast name associated with phone and address and phone associated with ZIP codeTEMPLATE: MobileMatch - PII
Is this last name associated with this phone number?link.lastName_phoneLast name associated with phoneLast name associated with phone and address and phone associated with ZIP codeTEMPLATE: MobileMatch - PII
Is this phone number associated with this ZIP code?link.phone_zipPhone associated with ZIP codeLast name associated with phone and address and phone associated with ZIP codeTEMPLATE: MobileMatch - PII



MobileMatch OTP

Phone access indicator (OTP)
All of these assertions must pass for this level 1 component to pass.

DescriptionAssertion NameComponent Name (Level 1)
Did the user submit the correct six-digit OTP?test.devicePhone access indicator (OTP)



Interpretation & Example Outcomes



892

An example of a user passing the MobileMatch PII step with flying colors.



658

An example of a user submitting the correct six-digit OTP.



ResultExplanationSolution



Notes

A) MobileMatch is unique in that it can and does attempt to connect a full name to a phone number any way possible, as direct as name-to-phone or more indirectly such as name-to-address-to-phone. This increases the number of potential assertion payloads.

B) What may seem like undue complexity in the MobileMatch policy is actually there to accommodate the multiple vendors capable of returning an individual assertion within the AXN; what is presented as one assertion here (e.g. link.lastName_phone) actually represents x3 assertions, hence why these assertions are organized into one component so one policy can accommodate multiple vendors.