When opening an account online, the details customers enter can be sent to the operator for a field-by-field comparison with the phone number's registered identity details. The operator reports whether each field matches; the registered details stay with the operator.
All three fields match the operator's registered identity details.
The name held by the bank differs by one character. The response shows a mismatch and a similarity score of 86.
The customer moved, but the address is still the old one. The response shows a mismatch and a similarity score of 62.
AAll three fields match in a single comparison.
B and CMismatched fields include a similarity score. A higher score means a closer match.
Know Your Customer Match: How it works
- Send detailsThe service provider sends the customer's name, birthdate, address, and other entered details to the operator.
- Compare each fieldThe operator compares each field internally with the phone number's registered identity details.
- Return the resultEach field returns a match or mismatch; a mismatch may include a similarity score.
Know Your Customer Match: API spec
POST /match"true" (match), "false" (mismatch), or "not_available" (the operator has no data for that field)| Response fields | Meaning | Example |
|---|---|---|
| idDocumentMatch | Whether the ID document number matches | "true" |
| nameMatch | Whether the name matches | "false" |
| nameMatchScore | Name similarity (0–99) | 86 |
| birthdateMatch | Whether the birthdate matches | "true" |
| addressMatch | Whether the address matches | "true" |
Responses for three scenarios (excerpts)
"true"Name matches"true"Birthdate matches"true"Address matches"false"Name mismatch86Name similarity (0–99)"true"Birthdate matches"true"Address matches"true"Name matches"true"Birthdate matches"false"Address mismatch62Address similarity (0–99)Spec source: CAMARA KnowYourCustomerMatch r1.2 (KYC Match v0.4.0)
Know Your Customer Match: GSMA use cases
Online Ticketing Protection
Problem to solvePrevents bots from bypassing online queues and buying large numbers of tickets for resale.
Know Your Customer Match's roleCompares the person in the queue with the operator’s registered customer details. A mismatch may mean they are queuing for someone else.
Used together: Device Identifier, Number Verification
GSMA source ↗Frictionless identity verification for fraud prevention
Problem to solveVerifies identity at critical moments, such as when customers change their details, to prevent identity fraud.
Know Your Customer Match's roleCompares an address with the operator’s registered address, such as when a customer requests an address change at a bank.
Used together: Number Verification
GSMA source ↗Frictionless identity verification for onboarding
Problem to solveAccurately verifies identity when new customers register or join a service to prevent identity fraud and make the process easier.
Know Your Customer Match's roleCompares the service provider’s customer details with the operator’s verified identity records.
GSMA source ↗GSMA case studies (5)
Sources: GSMA Open Gateway Use Case Library and API Descriptions (accessed 2026-10-14). Descriptions are summaries.