Recently in Analyzing Data Category

Verify National ID like SSN with Personator

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by Michael Johnson, Sales Engineer

Personator has never yielded the crown of contact verification, and that is no accident.  Personator is the quintessential contact verification service.  Nowhere else can you find a fast, no maintenance, easy-to-use web service that will give you a level of certainty your data is not only good, but that it is correct.  One of our newest features in our flagship service to be released is Personators SSN Verify.

Personator SSN Verify adds an integral feature of contact verification to Personator that had not existed before: the ability to verify that an individuals' SSN belongs to them.  Personator now has the ability to take in a social security number and full name and tell you whether or not they match.  We chose not to stop there, but we give you the power to dictate how much of your SSN and name to verify.  Do you want to know if your last name was correct to the SSN? 

What about the correct full name to last 4 SSN?  Our newest option, SSNCascade, allows you to determine whether or not we attempt to drill down and verify multiple segments of your social security number and name combination.

·         Full Name and Social Security

·         Last Name and Social Security

·         Full Name Last 4 Social Security

·         Last Name Last 4 Social Security

We don't just stop at verifying the social security number and name; we crank up the volume to 11.  If the SSN and Name are verified as a match, we allow you to have the option to append information regarding that person.  We are able to append the address, phone, email, demographic data, and census data all regarding the matched individual.

Personator is our flagship product which leads the industry of contact verification. You will be hard pressed to find another single product with so much potential.  We continually add new features and sources to our arsenal, which not only gives the end user more options but will give them more confidence that their data is correct.


Previously, Melissa has offered our Global Address web service in Contact Zone and Pentaho as a tool used to validate addresses in 240+ countries and territories. Because this product was only available as a web service in Contact Zone and Pentaho, there were certain limitations that had come with this method of consuming this service. These issues are now solved through the use of our on premise object.

Now, companies that could not have any data leave their premises can utilize our Global Address on premise object to validate their international addresses, as no data will be sent to our servers. In addition, if throughput is a large issue with our Global Address web service, then the on premise object can vastly improve record throughput, as the limitations would now be determined by the performance of the machine that the tool is being used on. Companies that also utilize our tool for a vast number of records or tend to run address records through our service repeatedly can now utilize our tool without being mindful of the record volume, as usage for our on premise object is not based upon record volume.


Processing through the web service is still available in this new release. Licenses will be determined by an on country basis. In other words, clients can purchase the countries that they think will be used most often and defer to our web service for the remaining countries.

If you are interested in more information regarding our new release in Contact Zone and Pentaho or would like a free trial, please visit our website here:

Introducing Business Coder for United Kingdom

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Melissa is happy to announce the release of our Business Coder service for UK, where you can verify, validate, and append firmographics for businesses in the UK. Originally servicing only the US, our webservice now expands to the UK as one of our more popular demands for business identification.

Our Business Coder UK webservice can help provide address cleansing and verification, along with business verification and appending of firmographic data. Our SIC Codes and Descriptions can help identify industries that the targeted businesses belong to, along with incorporation dates to help verify the correct businesses.

Similar to Business Coder US, our familiar result codes can help determine any issues with address or business validation. Ensure that the data returned along with our results help verify correct businesses in your data.

Powered by our Global Address engine, our address validation system thoroughly covers streets across the United Kingdom. With quality data ensured by experts and reliable sources such as the Royal Mail, be sure that you standardize and correct any addresses for your list of businesses to ensure that your deliveries do not go to waste.

And don't forget, this is only an announcement for our initial release. We're constantly striving to improve our webservice, as we plan to add additional fields and features to Business Coder UK. Check out our wiki and be on the lookout for new updates for the webservice!

Please note that for our release, Business Coder US and Business Coder UK will have separate URLs to make web service requests to. Additionally, Business Coder UK requires a separate subscription from Business Coder US. Please visit our wiki for more information on how to what to expect out of the new Business Coder.

Business Coder UK wiki:

By Kevin Ubay-Ubay, Sales Engineer

Global ID Verification is Melissa's powerful cloud service that gives one single, simple way to clean and verify your global contact data. Leverage our experience in name, phone, address, and email validation to gain comprehensive contact checking and identity-level verification.

Our web service may be applied to:

  • Age verification
  • Name-address verification
  • Anti-fraud applications
  • Online shopping cart & eCommerce platforms
  • FinTech/Banking

When you need your contact data checked and verified, Global ID Verification begins with standardizing and validating your records. At this stage, the service will parse and standardize your data as well as check for the following:

  • Name is in a valid format
  • Address is deliverable
  • Email address exists
  • Phone number is callable


  • Full Name: John doe
  • Phone: 8458692102
  • Email:
  • Address Line 1: 1 unicorn
  • City: norwich
  • Administrative Area: Postal
  • Code: NR33AB Country: GB


  • Full Name: John doe
  • Phone: +44 8458692102
  • Email:
  • Address Line 1: :1 Unicorn Rd
  • City: Norwich
  • Administrative Area: Norfolk
  • Postal Code: NR3 3AB
  • Country: GB

In the diagram above, you can see the final result of reformatting. Casings are changed and abbreviations are corrected. Continuing the process, you gain missing street suffixes, phone country dialing codes, missing state/province/administrative area info, and even typographical email domain corrections. For example, will be adjusted to

Next, Global ID Verification evaluates your data against trusted reference data in order to verify each individual's information so you can be confident that names and communication channels are current.

In this verification stage, the web service takes the standardized name, phone, email, and address from the previous stage and performs ID verification. Additional input, such as an individual's national ID, such as a social security number and date of birth can be verified as well; depending on the country of origin.


  • Full Name: John Doe
  • National ID: HJDO840230HVZRRL05
  • Date of birth: 2/30/1984
  • Phone: +56-222-226-8000
  • Email:
  • Address Line 1: Paseo De Los Conquistadores 2000
  • City: Guadalupe
  • Administrative Area: NL
  • Postal Code: 67170
  • Country: MX


  •  KV01 - Address matched

  • KV02 - National ID matched

  • KV03 - First name matched

  • KV04 - Last name matched

  • KV05 Phone number matched

  • KV06 Email matched

  • KV07 Date of birth matched

The diagram above shows how the service will return result codes indicating which information has been matched. By observing what kinds of result codes are returned, you may determine how reliable your data is.

Global ID Verification will be available as a web service hosted on our servers - which means you won't have to worry about updates and maintenance. Information about the countries supported and the level of coverage may be found on our wiki at Sample code and documentation is also provided to help you get a jump start on building applications and services incorporating our ID Verification technology.

5 Ecommerce Issues You Forgot--And How to Fix Them

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Want to increase conversions, provide customers with a better shopping experience, and cut down on cart abandonment? Check out these five ecommerce issues you probably forgot and how to fix them to solve these problems and more.

1. The Fat Finger Syndrome

Customers are terrible at typing--especially when it comes to filling out incredibly small contact forms on their smartphones. The fat finger syndrome accounts for many name misspellings, incorrect addresses, email bouncebacks, and invalid order submissions. To take the burden off the customer, try implementing a real-time autocomplete solution. By automatically showing verified addresses and emails as the customer types, you'll help alleviate fat finger syndrome and cut down on form abandonment.


2. International Postal Standards Vary

Did you know that in Japan, the last name goes first on shipping labels? And in Canada, the postal codes consist of letters and numbers arranged in a specific way? Those are just two examples of how address standardization can differ from country to country. So, if you're planning to go international, be mindful of varying postal requirements and make sure you have an address verification solution that can verify, standardize, format and transliterate. Solutions like Melissa's Global Address Verification do all of this and more--like adding precise lat/long coordinates to addresses for 40+ countries.


3. Upfront Shipping Matters

Amazon has shown the way towards better conversions, more sales, and cost-effective shipping with upfront shipping costs and delivery dates shown at every step of the order process. Now, you can, too! With Decimal, a comprehensive shipping rates manager and delivery dates predictor, you can provide your customers with calculations for shipping while they shop, without interrupting their purchase. That means more customers hitting Submit Order without delay.


4. Clean Data Affects Everything

Are you sure you're only storing accurate customer data? The data you collect directly on your site, via call-in orders, through internal systems, and mobile all need to match to show accurate customer records in order to better know your customers, increase upsell opportunities, and provide good customer service. By cleaning data before it enters your database and maintaining it after, you can ensure that every customer's name, address, phone, and email are accurate and verified.


5. Fraud Costs More than Lost Sales

Let's look at some stats--every year, businesses lose $3.5 trillion in revenue to financial crimes, and 15.4 million consumers were victims of identity theft in 2016 alone. Don't let fraud and chargeback costs steal your bottom line. Instead, use an ID verification solution like Personator®, which combs through 2.1 billion records to match name-to-address and verify that every customer is exactly who they say they are.


Need the Name of the Property Owner? Find It In Seconds!

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The TopConnector app is the easiest way to find the owner of virtually any property in the U.S. - just touch a house or a building on the map. It's as easy as that!

The Basics & New Additions

When you touch a property on the map, a callout appears and shows key info about the property - including the name of the owner. In the latest TopConnector version, we've also added the property owner's absentee status to the callout. Now you'll know it right away whether the owner is absentee or not.

To get more information about the owner, tap on the callout. TopConnector provides owner's mailing address, demographics, how long they have been living there, and more. If the owner has made their phone number available in the public records, TopConnector will provide that, too.

The latest TopConnector version also shows the boundaries of most U.S. properties. Now you can see where a property begins and where it ends.

To make researching and comparing properties even easier, we've added the following info to the callout:

·      Property address,

·      Property value,

·      Bedrooms & bathrooms,

·      Last sale date,

·      Owner's name,

·      When the owner is absentee, this info is also shown on the callout.



How to research properties using TopConnector app:

1.  First, center the map on the neighborhood you are interested in. There are four easy ways to do that:

·      You can use My Location to get info on the properties around you.

·      You can search by an address to get info on properties around that address.

·      You can select from the photos on your phone to get info on properties at the photo's location.

·      Or you can just drag your finger along the map to explore any area.

 2.  Start touching the buildings you see on the map.

 3.  Tap on a callout to get all available data on that property and its owners.


TopConnector gives unlimited access to data on over 120 million residential and commercial properties, regardless whether they are for sale or not. No account is required in order to use the app, and no memberships of any kind are necessary.

Wherever you might be, the entire TopConnector property database will always be with you - right in your hand.

Need the name of the property owner? You can find it in seconds.

TopConnector app is in the App Store

For more information, visit TopConnector web site at






How to Know Customers Are Who They Say They Are

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In 2015 alone, 62% of companies were targets of payment fraud. As customers increasingly conduct their financial affairs online and via mobile devices, risk management and fraud prevention become more and more difficult. So, how do you know customers are who they say they are?

Short of reaching through the computer, tablet, or smartphone screen and verifying a customer with your own eyes, there are a plethora of ways that help you better know your customer, manage risk, and even prevent fraudulent transactions.

Age & National ID Verification

The first step to customer authentication is to match a customer's national ID (for example, their social security or driver's license numbers) and date of birth. Better authenticate a customer's ID documents and simplify compliance with any age restrictions or purchase laws, while improving customer service at the same time. Instantly verify that the customer purchasing your age-restricted goods is old enough to legally make that purchase.

Name-Address Matching

The second step is to match name to address to confirm the person buying your product or service isn't giving you false information. Personator leverages a comprehensive dataset containing billions of records to confirm and match current names and addresses with the highest degree of accuracy. Our powerful, real-time tools and services help you achieve entity resolution and compliance, as well as better know your customer and reduce, or even eliminate, the need for manual review.

Address Correction & Formatting

Next, you'll want to add in what's missing from customer data entry, legacy systems, sales input, and anywhere else your records come from. Add missing street suffixes, state/province/administrative area info, and standardize addresses to specific country formats using Advanced Address Correction (AAC) to verify that addresses are accurate and deliverable to real locations.

Contact Data Validation

Validation concerns more than just a name or address - it needs to look at all aspects of people data, from names and addresses to phone numbers, email addresses, geocodes, IP locations, demographics, and more. Determine that the given postal address for every customer is deliverable, the email address exists, the name associated with a mobile device and whether the phone number is active and callable, and the given name is in a valid format. You can even trace customers with geocodes and IP locators to manage risk and ensure compliance.

Melissa's Personator® World Edition can help meet all of these needs. Personator is a customizable web service that fits all your ID verification process and risk management requirements. It can help optimize onboarding and fraud detection in Ecommerce, AML Compliance, Customer Due Diligence, Card Not Present, Know Your Customer (KYC), and FinTech/RegTech arenas.

Try Personator free for 30 days to see how it can transform your business's safety and compliance.

Melissa provides numerous APIs to handle the standardization, cleansing and verification of various data elements such as addresses, names, phones and emails. Often times we get asked by our customers as to what are some ways to improve the speed when processing records using our APIs. Below are some performance tips to consider when implementing our APIs:



The type of medium where the data files are stored may have an impact on processing speed. We recommend the use of solid state drives to store our data files as they have faster seek & read times compared to spinning disk drives.

We have also sometimes seen clients store the data files on a network share which we definitely don't recommend. Typically, trying to access the files over a network introduces latency which impacts the processing speed when blocks of data need to be fetched quickly. Data files, therefore, should often be stored locally on the machine.



The amount of memory available and speed can also affect processing. While using the APIs, once data is read from the hard drive, the data is cached and stored temporarily into memory in case the data needs to be accessed again shortly.


A simple example below, we have a list of phone numbers that were verified using our Phone Object API along with the times in milliseconds indicating the amount of time to verify the phone number.


When the Phone Object API encounters a phone number in a new area code, there are spikes in the verify times as the Phone Object now has to go back and fetch a new block from the data files stored on a hard disk and cache it into memory. The more memory available on the system, the more that can be cached into memory as the API reads more blocks from the data files on the disk. And, as discussed in the previous section, having a faster hard drive will help keep those disk read times low when those data file reads occur.



Processors with more than a single core are now common these days. If multiple cores are available on the system, we highly recommend that developers take advantage of that. When multithreading with our APIs, we suggest having each thread contain its own object instantiation for our APIs. 

For example, if you have 8 cores, you may want to create 8 threads with our API instantiated 8 times: once per each thread. Ideally, you would want to create a pool of threads that have our API instantiated already, and therefore ready for processing. If you keep reinitializing/instantiating our API, that will introduce some overhead in the processing.


The graph and table below shows some multithreaded testing of our own with our Global Address Object® API with UK addresses and, as shown, there as substantial speed increases that can be obtained through multithreading:


The last major update to the Business Coder Web Service includes the addition of employee contacts for the entered business, allowing for the retrieval of employee names and their respective titles. The next major update to Business Coder will feature an upgrade to the employee contact list returned. Aside from the name and title, contacts will now also give back both their email address and phone number if available. 

This is what the contacts array used to return, versus what it returns with the latest update:


Make sure to take advantage of these new fields in the next Business Coder update in order to enrich and improve your business contact information. Leveraging additional contact information will certainly allow for new opportunities with business prospects and allow for better marketing segmentation.


Try our Business Coder API now.

Melissa's Improvements in Dynamics CRM

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Dirty data, in all forms, is bad for business. Here at Melissa, our primary concern is cleansing it from all of your platforms, including Microsoft Dynamics® CRM. Melissa currently offers many solutions for Dynamics CRM in order to combat problems with bad data.


We offer the Personator® solution in order to cleanse and enrich your U.S. and Canadian data. We offer the Global Verify solution to correct and verify your addresses, phone numbers, names, and email addresses on an international level. Soon, we will release the Express Entry® solution in order to prevent bad data from entering your environment. As we strive to offer you the best solutions, Melissa constantly seeks to improve its solutions to better suit your needs.


Coming in a future update, we will offer the following new features to our Express Entry service:

•          Personator Workflows

•          Reverse Lookup for Express Entry

•          Express Entry Integration into Global Verify

Personator Workflows

Dynamics CRM is utilized in many different ways in the business world. The creation of contact, account, and lead records is handled through many different environments that may not leverage the standard form. In addition, sometimes users may forget to use our services to cleanse and correct information before saving and storing a record. 

To address these issues, we have created workflows for the Personator solution for the currently supported out-of-box entities. These workflows can be activated to leverage our Personator service on records automatically, such as upon creation of a new record. This will allow users to create records from a different environment, such as a separate portal, to have their information automatically validated through our workflows.


Reverse Lookups for Express Entry

Different users enter address information in different orders. With Dynamics CRM's ability to customize forms, it is apparent that not everyone will start by entering a street address. With our new feature, Reverse Lookups, users can enter information starting from the most general piece of information down to the most specific. For example, now a user, after entering his or her default country, can begin by entering the postal code to determine the city and state of the particular record. After filling out these fields, the user can then enter in the street address and select from a list of addresses only in that particular city, state, and postal code.


Express Entry Integration into Global Verify

Many customers require different methods of verification. In order to address these concerns, we have integrated our Express Entry service into our Global Verify solution. Now, you can utilize the Express Entry service to autocomplete addresses when entering data as well as verify phone and email with the click of a button.