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Patents

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

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 and 10,620,944. 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® 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; 7,152,053; 7,277,875; 7,428,519; 7,613,671; 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; 10,664,759; Indian Patent No. 240176 and Chinese Patent No. ZL2004 8 0015675.8. 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 and 10,115,153. Additional patents may be pending in the U.S. and other countries.

FICO® Collection Score:  Protected by U.S. Patent Nos. 7,191,150 and 7,536,348. Additional patents may be pending in the U.S. and other countries.

FICO® Credit Capacity Custom Solution:  Protected by U.S. Patent No. 7,970,676 and 8,099,356. 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; 7,152,053; 7,188,169; 7,277,875; 7,428,519; 7,613,671; 7,702,576; 7,774,272; 7,813,981; 7,835,932; 8,099,376; 8,312,389; 8,682,762; 9,632,847; 9,690,575; 10,180,861; 10,380,508; 10,620,944; Indian Patent No. 240176 and Chinese Patent No. ZL2004 8 0015675.8. 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; 7,152,053; 7,277,875; 7,428,519; 7,613,671; 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; Indian Patent No. 240176 and Chinese Patent No. ZL2004 8 0015675.8. 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® 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 and 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; 7,376,618; 7,457,401;  7,536,348; 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; 9,953,321; 10,102,530; 10,115,153; 10,242,540; 10,367,888; 10,373,061; 10,510,025; 10,528,948; 9,774,681; 10,579,938; 10,367,888; 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 No. 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® Platform Cloud Edition: Protected by U.S. Patent No. 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® 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; 7,376,618;; 7,457,401;  7,536,348; 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; 10,367,888; 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. 6,665,677; 6,839,714; and 9,660,869. 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; 7,379,880; 7,418,431; 7,702,576; 7,774,272; 7,778,846; 7,813,937; 7,813,981; 8,214,232; 8,219,415; 8,639,522; 8,666,757; Australian Patent No. 771843; Canadian Patent No. 2,380,587 and New Zealand Patent No. 517170. 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 7,734,522.  Additional patents may be pending in the U.S. and other countries.

FICO® Marketing Solutions Suite:  Protected by U.S. Patent Nos. 7,343,294; 7,672,865; 8,682,762; 8,768,743; 9,721,267 and 9,785,890. 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 and 10,366,342. 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; 7,379,880; 7,418,431; 7,702,576; 7,774,272; 7,778,846; 7,813,937; 7,813,981; 8,214,232; 8,219,415; 8,639,522; 8,666,757; Australian Patent No. 771843; Canadian Patent No. 2,380,587 and New Zealand Patent No. 517170. Additional patents may be pending in the U.S. and other countries.

FICO® Origination Manager:  Protected by U.S. Patent Nos. 9,990,270; 10,521,735 and 10,565,178. 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® Siron™ AML: Protected by U.S. Patent Nos. 10,373,061 and 10,579,938. Additional patents may be pending in the U.S. and other countries.

FICO® Transaction Scores:  Protected by U.S. Patent No. 8,078,569. 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); 7,383,215; 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; 8,001,041 and 8,078,524. Additional patents may be pending in the U.S. and other countries.