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San Jose, CA, United States

FICO is a Software company based in San Jose, California and founded by Bill Fair and Earl Isaac in 1956. Its FICO score, a measure of consumer credit risk, has become a fixture of consumer lending in the United States. In 2013, lenders purchased more than 10 billion FICO scores and about 30 million American consumers accessed their scores themselves. Wikipedia.


Patent
FICO (Fair Isaac Corporation) | Date: 2015-09-21

A system and method of detecting command and control behavior of malware on a client computer is disclosed. One or more DNS messages are monitored from one or more client computers to a DNS server to determine a risk that one or more client computers is communicating with a botnet. Real-time entity profiles are generated for at least one of each of the one or more client computers, DNS domain query names, resolved IP addresses of query domain names, client computer-query domain name pairs, pairs of query domain name and corresponding resolved IP address, or query domain name-IP address cliques based on each of the one or more DNS messages. Using the real-time entity profiles, a risk that any of the one or more client computers is infected by malware that utilizes DNS messages for command and control or illegitimate data transmission purposes is determined. One or more scores are generated representing probabilities that one or more client computers is infected by malware.


Patent
FICO (Fair Isaac Corporation) | Date: 2014-10-03

A system and method for rapid data investigation and data integrity analysis is disclosed. A data set is received by a server computer from one or more client computers connected with the server computer via a communications network, and the data set is stored in a distributed storage memory. One or more analytical processes are executed on the data set from the distributed storage memory to generate statistics based on each of the analytical processes, and the statistics are stored in a random access memory, the random access memory being accessible by one or more compute nodes, which generate a graphical representation of at least some statistics stored in the random access memory. The graphical representation of at least some statistics is then formatted for transmission to and display by the one or more client computers.


Patent
FICO (Fair Isaac Corporation) | Date: 2014-03-10

Data is received that include values that correspond to a plurality of variables. A score is then generated based on the received data and using a boosted ensemble of segmented scorecard models. The boosted ensemble of segmented scorecard models includes two or more segmented scorecard models. Subsequently, data including the score can be provided (e.g., displayed, transmitted, loaded, stored, etc.). Related apparatus, systems, techniques and articles are also described.


Patent
FICO (Fair Isaac Corporation) | Date: 2014-06-24

Data is received that includes a data set characterizing a plurality of insurance provider profiles and/or claims. Thereafter, a minimum volume ellipsoid is determined for the data set. Subsequently, at least one provider profile and/or claim is identified having at least one outlier variable based on a distance that the at least one provider profile and/or claim has relative to a center point of the minimum volume ellipsoid. Data is then provided (e.g., displayed, stored, loaded into memory, transmitted to a remote computing system, etc.) that characterizes the at least one provider profile and/or claim as likely being fraudulent or erroneous. In other variations, the minimum volume ellipsoid is determined using a different data set. Related apparatus, systems, techniques and articles are also described.


Patent
FICO (Fair Isaac Corporation) | Date: 2014-05-29

Data is received that comprises a data set characterizing a plurality of insurance claims. Thereafter, a density function of the data set is estimated using kernel density estimation. At least one claim having at least one outlier variable is then identified using the density function. Data is then provided (e.g., displayed, stored, loaded into memory, transmitted to a remote computing system, etc.) that characterizes the at least one identified claim as likely being fraudulent or erroneous. Related apparatus, systems, techniques and articles are also described.

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