Patents

The following FICO products are protected by patents in the U.S. and other countries.

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The following FICO products are protected by patents in the U.S. and other countries. This website is provided to comply with the virtual patent marking provisions of the America Invents Act. The following list of FICO products may not be all inclusive, and other FICO products not listed here may be protected by one or more patents.

FICO® Analytic Cloud: Protected by U.S. Patent Nos. 9,690,575; 10,620,944; and Patent No. 3095031 in France, Germany and the United Kingdom. Additional patents may be pending in the U.S. and other countries.

FICO® Analytic Modeler Decision Tree Professional:  Protected by U.S. Patent No. 7,930,196. Additional patents may be pending in the U.S. and other countries.

FICO® Analytic Modeler Scorecard Professional:  Protected by U.S. Patent No. 8,984,022. Additional patents may be pending in the U.S. and other countries.

FICO® Analytic Offer Manager:  Protected by U.S. Patent Nos. 9,721,267; 9,785,890; and 11,087,339. Additional patents may be pending in the U.S. and other countries.

FICO® Platform - Analytics Workbench™:  Protected by U.S. Patent No. 10,878,341. Additional patents may be pending in the U.S. and other countries.

FICO® Bladeworks® Identity Search Manager:  Protected by U.S. Patent Nos. 6,742,001; 6,839,714; and 7,386,554. Additional patents may be pending in the U.S. and other countries.

FICO® Blaze Advisor® decision rules management system:  Protected by U.S. Patent Nos. RE43,474; 6,865,566; 6,965,889; 6,968,328; 6,993,514; 7,000,199; 7,428,519; 7,831,526; 7,835,932; 7,930,196; 7,937,335; 8,099,376; 8,200,609; 8,237,716; 8,280,836; 8,730,241; 9,483,236; 9,990,270; 10,133,562; Indian Patent No. 240176; Chinese Patent No. ZL2004 8 0015675.8; and Canadian Patent No. 2,527,897. Additional patents may be pending in the U.S. and other countries.

FICO® Card Alert Service:  Protected by U.S. Patent Nos. 7,761,379; 7,945,515; 10,115,153; 10,692,058; and 11,023,963. Additional patents may be pending in the U.S. and other countries.

FICO® Collection Score:  Protected by U.S. Patent No. 7,191,150. Additional patents may be pending in the U.S. and other countries.

FICO® Credit Capacity Custom Solution:  Protected by U.S. Patent Nos. 7,970,676 and 8,099,356. Additional patents may be pending in the U.S. and other countries.

FICO® Customer Dialogue Manager: Protected by U.S. Patent No. 7,343,294. Additional patents may be pending in the U.S. and other countries.

FICO® Decision Management Platform:  Protected by U.S. Patent Nos. RE43,474; 6,865,566; 6,965,889; 6,968,328; 6,993,514; 7,188,169; 7,428,519; 7,835,932; 8,099,376; 8,312,389; 9,690,575; 10,380,508; 10,620,944; Indian Patent No. 240176; Chinese Patent No. ZL2004 8 0015675.8; Canadian Patent No. 2,527,897; and Patent No. 3095031 in France, Germany and the United Kingdom. Additional patents may be pending in the U.S. and other countries.

FICO® Decision Management Platform Streaming:  Protected by U.S. Patent Nos. 9,632,847; 10,180,861; and 11,016,831. Additional patents may be pending in the U.S. and other countries.

FICO® Decision Management Suite:  Protected by U.S. Patent Nos. RE43,474; 6,865,566; 6,965,889; 6,968,328; 6,993,514; 7,188,169; 7,428,519; 7,835,932; 8,099,376; 8,312,389; 9,632,847; 9,690,575; 10,180,861; 10,380,508; 10,620,944; 11,016,831; Indian Patent No. 240176; Chinese Patent No. ZL2004 8 0015675.8; Canadian Patent No. 2,527,897; and Patent No. 3095031 in France, Germany and the United Kingdom. Additional patents may be pending in the U.S. and other countries.

FICO® Decision Modeler:  Protected by U.S. Patent Nos. RE43,474; 6,865,566; 6,965,889; 6,968,328; 6,993,514; 7,000,199; 7,428,519; 7,831,526; 7,835,932; 7,930,196; 7,937,335; 8,099,376; 8,200,609; 8,237,716; 8,280,836; 8,730,241; 9,483,236; 9,990,270; 10,133,562; Indian Patent No. 240176; Chinese Patent No. ZL2004 8 0015675.8; and Canadian Patent No. 2,527,897. Additional patents may be pending in the U.S. and other countries.

FICO® Decision Optimizer:  Protected by U.S. Patent No. 7,689,528. Additional patents may be pending in the U.S. and other countries.

FICO® Economic Calibration Service: Protected by U.S. Patent No. 8,706,596. Additional patents may be pending in the U.S. and other countries.

FICO® Economic Impact Custom Solution: Protected by U.S. Patent No. 8,706,596. Additional patents may be pending in the U.S. and other countries.

FICO® Economic Impact Index: Protected by U.S. Patent No. 8,706,596. Additional patents may be pending in the U.S. and other countries.

FICO® Economic Impact Service:  Protected by U.S. Patent No. 8,706,596. Additional patents may be pending in the U.S. and other countries.

FICO® Falcon® Compromise Manager:  Protected by U.S. Patent Nos. 7,761,379; 7,945,515; 10,115,153; 10,692,058; and 11,023,963. Additional patents may be pending in the U.S. and other countries.

FICO® Falcon® Cybersecurity Analytics: Protected by U.S. Patent Nos. 7,961,857; 8,559,607; 8,677,129; 8,805,836; 8,824,648; 9,191,403; 9,438,570; 9,531,738; 11,144,834; Patent No. 1889461 in Bulgaria, France, Germany, Italy, Poland, Turkey and the United Kingdom; and Patent No. 2005381 in France, Germany and the United Kingdom. Additional patents may be pending in the U.S. and other countries.

FICO® Falcon® Fraud Manager:  Protected by U.S. Patent Nos. 6,597,775; 6,691,136; 6,850,606; 7,158,622; 7,191,150; 7,263,506;  7,672,833; 7,756,783; 7,761,379; 7,853,526; 7,860,783; 7,945,515; 7,961,857; 8,001,597; 8,025,220; 8,027,439; 8,027,947; 8,032,448; 8,041,597; 8,065,233; 8,078,569; 8,090,648; 8,121,962; 8,131,615; 8,150,744; 8,296,205; 8,296,225; 8,332,338; 8,355,896; 8,401,946; 8,548,137; 8,559,607; 8,567,669; 8,600,870; 8,645,301; 8,676,726; 8,683,586; 8,694,427; 8,706,545; 8,805,836; 8,824,648; 9,704,195; 9,773,227; 9,774,681; 9,953,321; 10,102,530; 10,115,153; 10,242,540; 10,367,888; 10,373,061; 10,510,025; 10,528,948; 10,579,938; 10,657,229; 10,692,058; 10;713;711; 10,902,426; 11,003,947; 11,023,963; 11,042,551; 11,049,012; 11,093,845; 11,100,506; 11,144,834; 11,151,450; Patent No. 1889461 in Bulgaria, France, Germany, Italy, Poland, Turkey and the United Kingdom;  Patent No. 6196216 in Japan; and Patent No. 3201804 in France, Germany and the United Kingdom. Additional patents may be pending in the U.S. and other countries. FICO® Falcon® Fraud Manager may also be referred to as FICO® Falcon® Platform.

FICO® Falcon® Intelligence Network:  Protected by U.S. Patent Nos. 9,774,681; 10,367,888; and Patent No. 3201804 in France, Germany and the United Kingdom. Additional patents may be pending in the U.S. and other countries.

FICO® Falcon® Mobile Analytics:  Protected by U.S. Patent No. 11,093,988. Additional patents may be pending in the U.S. and other countries.

FICO® Falcon® Platform Cloud Edition: Protected by U.S. Patent Nos. 9,774,681; 10,367,888; and Patent No. 3201804 in France, Germany and the United Kingdom. Additional patents may be pending in the U.S. and other countries.

FICO® Falcon® for Retail Banking/FICO® Falcon® Enterprise Fraud:  Protected by U.S. Patent No. 11,037,229. Additional patents may be pending in the U.S. and other countries.

FICO® Falcon® X: Protected by U.S. Patent No. 11,049,012. Additional patents may be pending in the U.S. and other countries.

FICO® Fraud Predictor with Merchant Profiles:  Protected by U.S. Patent Nos. 6,597,775; 6,691,136; 6,850,606; 7,158,622; 7,191,150; 7,263,506; 7,672,833; 7,756,783; 7,761,379; 7,853,526; 7,860,783; 7,945,515; 7,961,857; 8,001,597; 8,025,220; 8,027,439; 8,027,947; 8,032,448; 8,041,597; 8,065,233; 8,078,569; 8,090,648; 8,121,962; 8,131,615; 8,150,744; 8,296,205; 8,296,225; 8,332,338; 8,355,896; 8,401,946; 8,548,137; 8,559,607; 8,567,669; 8,600,870; 8,645,301; 8,676,726; 8,683,586; 8,694,427; 8,706,545; 8,805,836; 8,824,648; 9,704,195; 9,773,227; 9,774,681; 9,953,321; 10,102,530; 10,115,153; 10,242,540; 10,367,888; 10,373,061; 10,510,025; 10,528,948; 10,579,938; 10,657,229; 10,692,058; 10;713;711; 10,902,426; 11,003,947; 11,023,963; 11,042,551; 11,049,012; 11,093,845; 11,100,506; 11,144,834; 11,151,450; Patent No. 1889461 in Bulgaria, France, Germany, Italy, Poland, Turkey and the United Kingdom; Patent No. 6196216 in Japan; and Patent No. 3201804 in France, Germany and the United Kingdom. Additional patents may be pending in the U.S. and other countries.

FICO® Identity Resolution Engine:  Protected by U.S. Patent Nos. 6,742,001; 6,839,714; 7,386,554; 9,660,869; and 11,030,222. Additional patents may be pending in the U.S. and other countries.

FICO® Insurance Fraud Manager:  Protected by U.S. Patent Nos. 7,263,492; 7,418,431; 7,778,846; 7,813,937; 8,214,232; 8,219,415; 8,639,522; and 8,666,757. Additional patents may be pending in the U.S. and other countries.

FICO® LiquidCredit® service:  Protected by U.S. Patent Nos. 7,356,503 and 11,042,551. Additional patents may be pending in the U.S. and other countries.

FICO® Marketing Solutions Suite:  Protected by U.S. Patent No. 7,343,294. Additional patents may be pending in the U.S. and other countries.

FICO® Medication Adherence Score:  Protected by U.S. Patent No. 10,853,900. Additional patents may be pending in the U.S. and other countries.

FICO® Model Builder:  Protected by U.S. Patent Nos. 7,000,199; 7,895,139 (Data Spiders™ module); 7,930,196; 8,255,423; 8,984,022; 9,367,520; 9,483,727; 10,366,342; and 11,100,392. Additional patents may be pending in the U.S. and other countries.

FICO® Next Generation Marketing Analytics: Protected by U.S. Patent Nos. 9,785,890 and 11,087,339. Additional patents may be pending in the U.S. and other countries.

FICO® Originations Solution, Powered by FICO® Platform:  Protected by U.S. Patent Nos. 9,990,270; 10,521,735; 10,565,178; and 11,164,110. Additional patents may be pending in the U.S. and other countries.

FICO® Payment Integrity Platform:  Protected by U.S. Patent Nos. 7,263,492; 7,418,431; 7,778,846; 7,813,937; 8,214,232; 8,219,415; 8,639,522; and 8,666,757. Additional patents may be pending in the U.S. and other countries.

FICO® Platform:  Protected by U.S. Patent Nos. RE43,474; 6,865,566; 6,965,889; 6,968,328; 6,993,514; 7,188,169; 7,428,519; 7,835,932; 8,099,376; 8,312,389; 9,632,847; 9,690,575; 10,180,861; 10,380,508; 10,620,944; 11,016,831; Indian Patent No. 240176; Chinese Patent No. ZL2004 8 0015675.8; Canadian Patent No. 2,527,897; and Patent No. 3095031 in France, Germany and the United Kingdom. Additional patents may be pending in the U.S. and other countries.

FICO® Resilience Index:  Protected by U.S. Patent No. 8,682,762. Additional patents may be pending in the U.S. and other countries.

FICO® Retail Action Manager:  Protected by U.S. Patent Nos. 9,721,267; 9,785,890; and 11,087,339. Additional patents may be pending in the U.S. and other countries.

FICO® Revenue Assurance for Network Analytics – telecommunications:  Protected by U.S. Patent Nos. 9,535,959 and 10,515,084. Additional patents may be pending in the U.S. and other countries.

FICO® Risk and Affordability Decision Suite, powered by Equifax® in the United Kingdom:  Protected by U.S. Patent No. 8,682,762. Additional patents may be pending in the U.S. and other countries.

FICO® Siron® Anti-Financial Crime Solutions: Protected by U.S. Patent Nos. 10,373,061; 10,579,938; and 10,896,381. Additional patents may be pending in the U.S. and other countries.

FICO® Small Business Scoring Service℠ (SBSS℠ ) Solution:  Protected by U.S. Patent No. 11,042,551 and 11,151,450. Additional patents may be pending in the U.S. and other countries.

FICO® Strategic Default Custom Analytic: Protected by U.S. Patent No. 8,751,378. Additional patents may be pending in the U.S. and other countries.

FICO® Strategy Director: Protected by U.S. Patent Nos. 7,130,853; 8,312,389; 10,162,630; and 10,956,152. Additional patents may be pending in the U.S. and other countries.

FICO® Studio: Protected by U.S. Patent Nos. 10,162,630 and 10,956,152. Additional patents may be pending in the U.S. and other countries.

FICO® Transaction Scores:  Protected by U.S. Patent Nos. 8,078,569 and 11,042,551. Additional patents may be pending in the U.S. and other countries.

FICO® TRIAD® Customer Manager:  Protected by U.S. Patent Nos. 7,000,199; 7,130,853 (FICO® TRIAD® Analytic Datamart); 7,831,526; 7,930,196; 7,937,335; 7,953,695 (FICO® TRIAD® Analytic Datamart); 8,200,609; 8,200,693; 8,237,716; 8,266,090; 8,280,836; 8,312,389; and 8,730,241. Additional patents may be pending in the U.S. and other countries.

myFICO® service and products:  Protected by U.S. Patent Nos. 7,280,980; 7,711,635 (FICO® Score Estimator); and 8,078,524. Additional patents may be pending in the U.S. and other countries.

Signal Box™ technology:  Protected by U.S. Patent No. 10,885,055. Additional patents may be pending in the U.S. and other countries.