FICO Awarded 10 New Patents for Decision Management and Fraud Protection

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SAN JOSE, Calif. – February 28, 2013 – FICO (NYSE: FICO), the leading provider of predictive analytics and decision management technology, today announced that it has been awarded 10 patents by the U.S. Patent and Trademark Office, bringing its patent portfolio to 137 U.S. and foreign patents. These patents were awarded to FICO Labs team members for inventions underlying FICO’s industry-leading solutions in decision management and fraud protection.

“FICO helps its client extract value from Big Data through powerful analytics and decision management,” said Stuart Wells, chief technology officer at FICO. "Our latest patents underscore our culture of innovation and discovery, and the importance of delivering technologies that enable our clients to use analytics to visualize data in new ways, and stay ahead of fraud trends.”

Four of the patents were for inventions related to the Decision Graph, a new feature of FICO decision management software products including FICO® TRIAD® Customer Manager, FICO® Blaze Advisor® business rules management solution and FICO® Model Builder. The Decision Graph gives business users an easy-to-use graphical tool that makes it easier to understand and change complex strategies. With Decision Graph, business users can automatically optimize strategies for more efficient processing; compare strategies by structure as well as by logic; explore and explain strategies by instantly drilling down into specific segments and reviewing sub-population statistics; and reduce the size of complex strategies (making them easier to understand) by 25 percent on average.

Three of the patents cover analytic innovations used by FICO’s industry-leading fraud solutions, including intelligent profiles, self-calibrating analytics, account customer profiling and customer-connectivity informed fraud detection. These patented technologies are already enabled in FICO® Falcon® Fraud Manager, which protects more than 2.5 billion payment cards worldwide. FICO Falcon Fraud Manager has been recognized for its innovation in recent reports by independent analyst firms Forrester and CEB TowerGroup.

FICO has 91 other patent applications pending in the United States and other countries.

About FICO
FICO (NYSE:FICO) delivers superior predictive analytics solutions that drive smarter decisions. The company’s groundbreaking use of mathematics to predict consumer behavior has transformed entire industries and revolutionized the way risk is managed and products are marketed. FICO’s innovative solutions include the FICO® Score — the standard measure of consumer credit risk in the United States — along with industry-leading solutions for managing credit accounts, identifying and minimizing the impact of fraud, and customizing consumer offers with pinpoint accuracy. Most of the world’s top banks, as well as leading insurers, retailers, pharmaceutical companies and government agencies, rely on FICO solutions to accelerate growth, control risk, boost profits and meet regulatory and competitive demands. FICO also helps millions of individuals manage their personal credit health through

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Statement Concerning Forward-Looking Information
Except for historical information contained herein, the statements contained in this news release that relate to FICO or its business are forward-looking statements within the meaning of the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995. These forward-looking statements are subject to risks and uncertainties that may cause actual results to differ materially, including the success of the Company’s Decision Management strategy and reengineering plan, the maintenance of its existing relationships and ability to create new relationships with customers and key alliance partners, its ability to continue to develop new and enhanced products and services, its ability to recruit and retain key technical and managerial personnel, competition, regulatory changes applicable to the use of consumer credit and other data, the failure to realize the anticipated benefits of any acquisitions, continuing material adverse developments in global economic conditions, and other risks described from time to time in FICO’s SEC reports, including its Annual Report on Form 10-K for the year ended September 30, 2012 and its last quarterly report on Form 10-Q for the period ended December 31, 2012. If any of these risks or uncertainties materializes, FICO’s results could differ materially from its expectations. FICO disclaims any intent or obligation to update these forward-looking statements.

FICO and “Make every decision count” are trademarks or registered trademarks of Fair Isaac Corporation in the United States and in other countries.

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