The demand for transparent and ethical artificial intelligence is becoming a critical competitive differentiator in the analytics software market. Reinforcing its leadership in this space, global analytics leader FICO has announced it has been awarded 10 new patents by the U.S. and Canadian patent offices. These patents focus on key challenges in Responsible AI, bias detection, fraud prevention, and data privacy, directly enhancing the capabilities of core solutions like the FICO® Falcon® Fraud Manager and the FICO® Platform, which are used to make billions of enterprise decisions worldwide.
Quick Intel
FICO has been awarded 10 new patents for Responsible AI and analytics technology.
The patents enhance core products like FICO Falcon Fraud Manager and the FICO Platform.
Key innovations include reducing fraud false positives and explaining AI model decisions.
New methods detect concept drift and adversarial attacks on AI models.
The portfolio now includes 231 active patents with 79 more pending.
This reinforces FICO's commitment to making AI both powerful and transparent.
Advancing the Standard for Responsible AI
The newly granted patents cover a diverse range of sophisticated AI and analytics technologies designed to make AI systems more reliable, explainable, and fair. Key innovations include a method for attributing reasons to predictive model scores, which provides a breakthrough in explaining why an AI model made a specific prediction, crucial for regulatory compliance. Another patent focuses on reducing false positives in fraud detection for transactions at merchants where a consumer has shopped before. Other patents cover real-time monitoring for concept drift, training neural networks with business constraints, and strengthening AI models against potential adversarial attacks.
"Our patent portfolio continues to grow, and it reflects our commitment to innovation and developing technological advancements for our clients that are not just powerful, but transparent and trustworthy," said Dr. Scott Zoldi, chief analytics officer at FICO. "We are helping clients solve problems responsibly in identifying why an AI model made a specific prediction or in detecting subtle biases across complex datasets. We're not just advancing AI technology—we're making Responsible AI the new competitive standard."
Direct Integration into Market-Leading Solutions
These are not abstract research projects; the patented technologies are directly integrated into FICO's product suite. For instance, the patent for "Attributing Reasons to Predictive Model Scores" is built into FICO's fraud solutions, allowing financial institutions to understand the specific factors behind a fraud alert. Another patent, "Segmentation Using Zero Value Features," is implemented in the FICO Platform to improve model accuracy by recognizing that missing or zero-value data can be important predictive information. This practical application of advanced research ensures that FICO's clients in financial services, telecommunications, and healthcare can deploy AI systems that deliver exceptional performance while adhering to the highest standards of responsibility and ethics. This expanding IP portfolio solidifies FICO's position at the forefront of developing AI that enterprises can trust.
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.
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