In the area of cybersecurity, FICO's new patent for "Cyber Security Adaptive Analytics Threat Monitoring System and Method" uses self-learning artificial intelligence models and novel machine learning adaptive behavioral analytics to detect malware. Network flow protocol messages are monitored from client computers to servers, in order to determine a risk that those client computers are behaving abnormally, which may be a result of malware, cybercriminal take-over, or botnet. Real-time entity profiles are generated for multiple entities, including client computers.
"Using the real-time entity profiles and advanced adaptive behavioral analytics, we can determine the risk that a computer is infected by malware or taken over by a cybercriminal," said Dr. Scott Zoldi, FICO chief analytic officer and one of three inventors of the patent. "Scores are then generated in real time, representing probabilities that client computers are at risk of active attack."
This invention is used in FICO® Cyber Security Analytics.
The additional patents cover inventions that:
- Reduce the complexity of neural network sensitivity analysis. This invention greatly reduces complexity of the calculations required to generate outputs of a neural network model, a form of artificial intelligence. This technology is implemented in FICO® Model Builder.
- Enable scoring models to select the variables with the highest predictive power (divergence) and the lowest overlap, when scoring a transaction. This invention is also used in FICO® Model Builder.
- Turn complex score models into programming code. This invention can be used to accelerate the transformation of a scoring model into a program using a concurrent, class-based, object-oriented computer programming language, such as Java, C and COBOL. This technology is integrated in FICO® Blaze Advisor® decision rules management system.
- Reconcile records from multiple data sources, eliminating discrepancies that would lead to revenue leakage or over-billing of a service.
- Use a relational logic management system to reconcile multiple interrelated rule sets in a workflow model of a business process. This allows business analysts and professionals to express the policies, tasks, rules and objectives in a format that allows interoperability with existing business procedures and automated systems without cumbersome coding requirements. This invention, granted a patent in China, is used in FICO® Blaze Advisor® decision rules management system.
- Improve selective advertising using credential information submitted by a user.
- Execute secure commercial transactions online through a system that intercepts and verifies, against consumer provided inputs, Secure Socket Layer (SSL) communications from normal web browser usage.
"Our investments in artificial intelligence, advanced analytics and decision science are backed by the strongest research team in our field," said Dr. Stuart Wells, FICO's chief product and technology officer. "We are bringing analytics and software breakthroughs to the commercial market at the fastest rate in our 61-year history."
FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956 and based in Silicon Valley, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 170 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 100 countries do everything from protecting 2.6 billion payment cards from fraud, to helping people get credit, to ensuring that millions of airplanes and rental cars are in the right place at the right time.
For FICO news and media resources, visit www.fico.com/news.
FICO and Blaze Advisor are registered trademarks of Fair Isaac Corporation in the United States and in other countries.
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