New patents strengthen FICO’s leadership in developing advanced technologies that drive smarter decisions and business transformation

BOZEMAN, Mont., March 04, 2025--(BUSINESS WIRE)--FICO: NYSE

Highlights:

• FICO remains a leader in innovation, with advancements in decision-making, machine learning, and AI-related technology.
• FICO’s current patent portfolio consists of 226 U.S. and foreign active patents, with additional 75 patent applications filed and pending.

Global analytics software leader FICO was awarded new patents by the U.S. Patent and Trademark Office, encompassing technologies in fraud, artificial intelligence, machine learning, decision management and cybersecurity. The new patents showcase FICO’s continuous innovations and leadership in operationalizing AI to deliver tangible results.

To date, FICO’s patent portfolio includes over 200 U.S. and international patents. These patents represent innovative technologies aimed at helping drive profitability, customer satisfaction, customer protection, and growth across industries such as financial services, telecommunications, healthcare, retail, transportation, supply chain, and more.

The technology covered by FICO’s new patents include:

• A Latent-Space Misalignment Measure of Responsible AI for Machine Learning Models – This method covers technological improvements that identify misaligned data in a latent space for machine learning models. The innovation provides valuable new techniques to measure the degree of misalignment of a given data source with respect to an underlying machine learning model, both during development and production, and thereby furthers a core tenant of Responsible AI.
• Enhanced Data Privacy Through Structure-preserving Autoencoders with Latent Space Augmentation – This is a method for generating refined (de-identified and anonymized) synthetic data from one or more sources of data.
• Method and Apparatus for Analyzing Coverage, Bias, and Model Explanations in Large Dimensional Modeling Data - This method improves the fairness and transparency of AI models by identifying biases and weaknesses in large, complex datasets. By analyzing how AI models make decisions and the data on which they are built, it helps ensure the models are more accurate and explainable, which is crucial for building trust and accountability in AI systems.
• Latent Feature Dimensionality Bounds for Robust Machine Learning on High Dimensional Datasets - This technology optimizes architectures of neural network models by compactly processing complex data, enhancing their stability and reliability. It helps ensure better performance when handling large, high-dimensional datasets, making machine learning models more accurate and dependable.
• Data Distillery for Signal Detection - This system identifies important patterns or "signals" within vast datasets, helping businesses prioritize key insights to utilize in models and risk strategies. It streamlines data analysis of relevant business signals making decision management more efficient and effective.
• Facial Recognition for User Authentication - This technology enhances user authentication by leveraging facial recognition to securely verify identities. Its integration with transaction fraud detection can strengthen the identification of potentially compromised accounts.
• System and Method for Linearizing Messages from Data Sources for Optimized High-Performance Processing in a Stream Processing System - This technology is useful for handling large streams of real-time data, such as in financial or customer service systems.
• Interpretable Feature Discovery with Grammar-based Bayesian Optimization - This method uses Bayesian search to discover and optimize key features in data, making machine learning models more understandable and interpretable. It helps ensure AI decisions are transparent, making it easier to trust the outcomes generated by these systems.
• Managing Missing Values In Datasets For Machine Learning Models - This technology addresses missing data elements and handling in machine learning models by filling in gaps. It provides strategies for AI systems to remain reliable when data elements are incomplete.
• Attributing Reasons to Predictive Model Scores - This improvement helps explain the factors that influence predictive model scores, making it easier to understand how decisions are made and providing rationale to consumers. It’s particularly valuable in fraud detection systems like FICO^® Falcon^® Fraud Manager and any transaction analytic AI, ensuring transparency in transaction patterns driving outcomes and trust in scoring.
• Cyber Security Adaptive Analytics Threat Monitoring System and Method - This system detects malware and other security threats by analyzing DNS and other network communication messages to assess threats. It provides businesses with real-time insights into potential attacks on key information and financial systems, helping them protect against cyber-attacks and data being actively infiltrated.

"At FICO, innovation is at the heart of everything we do, driven by talented individuals who are dedicated to solving complex challenges. Developing patented technologies requires time, expertise and collaboration to turn bold ideas into realities that drive innovation and transform industries," said Nikhil Behl, executive vice president at FICO. "FICO’s chief analytics officer, Dr. Scott Zoldi, has been listed as an inventor on 101 patents, in collaboration with other data and analytic scientists, and he is also named on an additional 40+ patent applications in process. This accomplishment reflects Dr. Zoldi’s integral role in driving FICO’s AI innovation forward. His ability to transform complex challenges into impactful solutions has set the standard for what we can achieve when we put solving customer challenges at the heart of our innovations."

"These new patents reflect our commitment to developing innovative new AI technologies and solutions that enable our clients to operationalize and make smarter, data-driven decisions," said Dr. Scott Zoldi, chief analytics officer at FICO. "We innovate to meet and anticipate our clients’ needs, ensuring that the technology we deliver addresses key industry business challenges and supports our clients’ long-term success."

To learn more about FICO’s patents:

• Full list: https://www.fico.com/en/patents
• Dr. Scott Zoldi’s blog: https://www.fico.com/blogs/reflections-innovation-100-ai-and-software-patents-granted

About FICO

FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting four billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO^® Score, used by 90% of top US lenders, is the standard measure of consumer credit risk in the US and has been made available in over 40 other countries, improving risk management, credit access and transparency.

Learn more at https://www.fico.com/en.

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Contacts

Julie Huang
press@fico.com