Configuring Equifax Australia IDMatrix

With Equifax Australia ID Matrix, you can run the Electronic identity check.

This check works on the basis that you already have your customers' consent to search their data in the sources you're using for Equifax Australia. To learn more about which sources you have configured, speak to your Equifax account manager.

How it works

This is the default behaviour for a variant of the Electronic identity check with Equifax Australia IDMatrix as the data provider.

The check is performed by searching for the individual’s details (name, date of birth, and, if available, address, driving licence details) in the sources supplied by Equifax Australia IDMatrix.

The check passes when a 2+2 result is achieved, which happens when either of these conditions are true:

  • The individual’s full name and address are matched in one source and the individual’s full name and date of birth are matched in a second source.
  • The individual’s full name and address are matched in two distinct sources.

If a 2+2 result cannot be achieved, the check looks for a 1+1 result.

The check returns a partial match when a 1+1 result is achieved, which happens when either of these conditions are true:

  • The individual’s full name, date of birth, and address are matched in one source.
  • The individual’s full name and address are matched in one source.

If the conditions are not met for a 2+2 result or a 1+1 result, the check fails.

If the individual’s profile doesn’t have data for the required fields, the check returns an error.

If the country of address in the individual’s profile is anything other than Australia, an error is displayed.

While it's optional to include an address in the profile, 2+2 results can only be achieved if there is one.

Configuration options

What we'll need

Let us know that you'd like to add a variant of the Electronic identity check with Equifax Australia IDMatrix. We'll set it up for you.

We'll also need your Equifax Australia IDMatrix:

  • Username
  • Password

For help getting this information, please speak to your Equifax Australia IDMatrix account manager.

Using your configuration

Once the check variant is configured, follow these steps in your demo environment to test whether it's working as expected.

  1. Does the check pass when a 2+2 result is achieved? To run the test, create any individual profile and run the check variant. If the check passes, it’s working as expected.
  2. Does the check return a partial match when a 1+1 result is achieved? To run the test, create an individual profile with "1+1" as the given name or surname (e.g. "Alex 1+1") and run the check variant. If the check returns a partial match, it’s working as expected.
  3. Does the check fail when the conditions are not met for a 2+2 result or a 1+1 result? To run the test, create an individual profile with "FAIL" as the given name or surname (e.g. "Alex FAIL") and run the check variant. If the check fails, it’s working as expected.
The results returned are for demo purposes only. In the live environment, it is only possible to achieve 2+2 results and discover matches based on address for profiles that have an address. Equally, an error is displayed in the live environment when the check variant is run on a profile with a country of address that isn't covered by Equifax Australia IDMatrix.
The test words are not case-sensitive.

Required and optional profile fields

These are the profile details searched in Equifax Australia IDMatrix's sources:

Name

Description

First name(s) (personal_details.name.given_names)

Required

The individual’s first and, if applicable, middle names.

Surname (personal_details.name.family_name)

Required

The individual’s last name.

Date of birth (personal_details.dob)

Required

The individual’s date of birth.

Addresses (address_history)

Optional

The individual’s address history.

Gender (personal_details.gender)

Optional

The individual's gender. Leave unset for non-binary genders.

Email (contact_details.email)

Optional

The individual’s email address.

Phone number (contact_details.phone_number)

Optional

The individual’s phone number.

Driving licence details (collected_data.documents_metadata)

Optional

  • The individual’s driving licence number. 
  • The state code shown on the driving licence.

Driving licence information is only sent to Equifax when:

  • The country code is AUS.
  • The driving licence number and issuing state are both present.
Note that results returned for driving license sources are considered a match if name, date of birth, and ID number match.


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