The 14 selectors aren’t weighted equally. SSN (last 4) + DOB + last name is a near-unique trio; first name + city is dozens of candidates. We tier the lookups so high-uniqueness fields short-circuit the match first.
Stages
- 1. Hard match on SSN, DL, VIN, IP — if hit, we lock the candidate and verify everything else against it
- 2. Soft match on email, phone, DOB — phonetic + nickname expansion on names; range-tolerant DOB
- 3. Address resolution — USPS-normalized; current vs prior weighted by recency
- 4. Confidence rollup — published as the % next to each candidate
A confidence below 60% surfaces multiple candidates for you to disambiguate. Above 90% we auto-pick the top match unless you turn that off in Settings.