Mobile payment account IDs

Detects references to mobile payment account ids in financial and compliance documents. Commonly found in Australian regulatory filings, transaction records, and audit documentation.

Type

regex

Engine

boost_regex

Confidence

medium

Confidence justification

identifier/document-structure anchored regex with constrained context replaces phrase-only detection. Added context gating and exclusion rules improve precision and reduce incidental matches.

Detection quality

Topic false positive

Jurisdictions

global

Regulations

AML/CTF Act (Cth), IPA 2009 (Qld), NDB Scheme (Cth), Privacy Act 1988 (Cth), SOCI Act 2018 (Cth), GDPR, PCI-DSS

Frameworks

ISO 27001, ISO 27701, PCI-DSS, SOC 2

Data categories

financial

Scope

wide

Risk rating

7

Platform compatibility

Purview: Compatible, GCP DLP: Compatible, Macie: Compatible, Zscaler: Compatible, Palo Alto: Degraded, Netskope: Unsupported

Pattern

(?i)\b(?:mobile\s+payment\s+account\s+ids?|device\s+account\s+number|payment\s+token|token\s+ID)\b

Corroborative evidence keywords

mobile payment account ids, mobile, payment, account, ids, financial, accounts, payments, phone, contact, mob, cell, telephone, tel, ph, landline, home phone, work phone, business phone, direct line (+41 more)

Proximity: 300 characters

Should match

• Mobile payment account ids — Topic phrase present
• mobile payment account ids — Topic phrase, lowercase
• this record references the mobile payment account ids held on file — Topic phrase within surrounding text
• Wallet record - Device Account Number: 4761 23XX XXXX 9010 — Wallet-ID label surfaces at 65 discovery_only — enforcement requires a separately reviewed labelled-value branch

Should not match

• unrelated generic text — No relevant phrase context
• placeholder value 12345 — Random text should not match phrase marker
• generic narrative without identifier/document anchors — Should not match plain mention
• template example placeholder record identifier — Template/sample context should be excluded even when anchor words are present
• Enable Apple Pay on your phone to make contactless payments. — Wallet provider brands are corroborative evidence only — a product instruction with no account-ID label must not match
• PayID lets customers address bank transfers with an email address. — PayID is a payment addressing service, not a mobile-wallet account ID — must not match
• Training example: "Device Account Number: 4761 23XX XXXX 9010" — Template/example exclusion suppresses even the discovery-only wallet-ID label

Known false positives

• Financial terminology appearing in published reports, accounting textbooks, regulatory guidance, or template documents without actual transaction data. Mitigation: Require corroborative evidence keywords within the proximity window. Cross-reference with structured financial identifiers to confirm actual sensitive data.
• In Australian English, standard business terminology overlapping with financial detection keywords in routine correspondence and documentation. Mitigation: Increase confidence threshold when scanning business correspondence. Layer with transaction-specific patterns for higher precision.