Empresas y finanzas

Fair Isaac Partners with Aconite to Deliver More Powerful Fraud-Fighting Capabilities



    Fair Isaac Corporation (NYSE:FIC), the leading provider of
    analytics and decision management technology, and Aconite, a leading
    provider of software and consulting solutions to the global payments
    market, today announced they have joined forces to provide banks and
    transaction processors worldwide with new capabilities to better
    manage fraud and risk in an off-line EMV environment.

    The announcement was made at Fair Isaac's InterACT customer
    conference in Lisbon, where Aconite is co-presenting a session on the
    evolution of fraud and risk management.

    The companies will jointly market Fair Isaac's industry-leading
    solutions Falcon(TM) Fraud Manager for payment card fraud detection
    and TRIAD(TM) adaptive control system for credit risk management with
    EMV Script Processor (ESP) and EMV Transaction Enabler (TRxE),
    Aconite's award-winning EMV software solutions. Together, these
    solutions create powerful new capabilities designed to help banks
    adopt a balanced online/offline authorization policy, reduce
    operational costs, minimize fraud losses, and increase revenue through
    secure approval of more transactions and improved customer
    satisfaction.

    "This partnership reflects the strong demand for integrated EMV
    solutions that provide full fraud and risk management capabilities,"
    said Mike Woods, CEO of Aconite. "Together, we can offer our clients
    the industry's most advanced solutions to fine-tune offline and online
    authorization and maximize the benefits from offline authorization,
    while minimizing credit risk."

    Aconite's EMV solutions were designed to integrate easily with
    existing host systems, allowing the generation, management and
    delivery of scripts to change card parameters dynamically after issue
    and securely manage offline risk. The Fair Isaac and Aconite solutions
    can be easily combined with clients' existing systems as individual
    advanced fraud and risk management solutions or as part of a broader
    EMV migration package.

    Named after its originators Europay, MasterCard and Visa, EMV
    describes a set of requirements to ensure interoperability between
    "smart" or chip-based payment cards and point-of-sale terminals on a
    global basis. Through the partnership, card issuers will now be able
    to harness the power of EMV, using Falcon and TRIAD decision
    management and TRxE and ESP functionality to securely push more
    transactions offline by dynamically updating and controlling card
    behavior after issue.

    "Joining forces with Aconite underscores our commitment to
    continual innovation and bringing best-in-class technologies together
    with our leading solutions for fraud and risk management," said Andrew
    Jennings, vice president, Enterprise Decision Management Applications
    at Fair Isaac. "Forward-thinking banks are already unlocking the
    potential of EMV to grow revenues while controlling fraud losses and
    the cost of managing the portfolio. Banks that utilize TRxE and ESP
    with TRIAD and Falcon will multiply that potential and be on the fast
    track to EMV migration."

    The companies also plan to develop consulting services to help
    customers migrate to EMV and achieve their risk management goals for
    credit and debit card portfolios.

    Fair Isaac's Falcon Fraud Manager is considered the leading global
    payment card fraud detection system, protecting more than 450 million
    active accounts across six continents and saving card issuers millions
    of dollars every day. Falcon applies neural network technology,
    extensive rule development capabilities and workflow management to
    analyze payment card transactions for signs of fraud, and enables
    financial institutions to take immediate measures to stop fraud and
    reduce losses. TRIAD adaptive control system automates and improves
    account and customer management decisions to drive portfolio
    management performance and is used to manage nearly 300 card
    portfolios across industries worldwide.

    About Aconite

    Aconite provides a unique blend of software solutions and smart
    card business expertise to bank card issuers and card processors.
    Aconite solutions can be tailored to meet individual business
    requirements without the need to replace legacy systems and with
    minimal impact on staff and processes. Within the last six years,
    Aconite has become globally recognised as a leading provider of card
    payment solutions and EMV expertise.

    Aconite's software solutions combined with consulting expertise
    and partnerships deliver business solutions which enable customers to
    achieve cost-effective, low risk routes to issuing and processing EMV
    cards and beyond. Based in the UK, Aconite has representation across
    five regions: Europe, Middle East, Asia, The Americas and Southern
    Africa. Further information about Aconite can be found on the Aconite
    website at www.aconite.net.

    About Fair Isaac

    Fair Isaac (NYSE:FIC) makes decisions smarter. The company's
    solutions and technologies for Enterprise Decision Management give
    businesses the power to automate more processes, and apply more
    intelligence to every customer interaction. Through increasing the
    precision, consistency and agility of their decisions, Fair Isaac
    clients worldwide increase sales, build customer value, cut fraud
    losses, manage credit risk, reduce operational costs, meet changing
    compliance demands and enter new markets more profitably. Founded in
    1956, Fair Isaac powers hundreds of billions of decisions per year in
    financial services, insurance, telecommunications, retail, consumer
    branded goods, healthcare and the public sector. Fair Isaac also helps
    millions of individuals manage their credit health through the
    www.myfico.com website. Visit Fair Isaac online at www.fairisaac.com.

    Statement Concerning Forward-Looking Information

    Except for historical information contained herein, the statements
    contained in this press release that relate to Fair Isaac, including
    statements regarding its Falcon Fraud Manager and TRIAD adaptive
    control system product offerings and the relationship described
    herein, and the benefits to be derived from these offerings, are
    forward-looking statements within the meaning of the "safe harbor"
    provisions of the Private Securities Litigation Reform Act of 1995.
    These forward-looking statements are subject to risks and
    uncertainties that may cause actual results to differ materially,
    including any unforeseen technical difficulties related to the
    implementation, use and functionality of the offerings, the risks that
    customers will not perceive material benefits from the offerings,
    failure of the products to deliver the expected results, the
    possibility of errors or defects in the offerings, regulatory changes
    applicable to the use of consumer credit and other data, and other
    risks described from time to time in Fair Isaac's SEC reports,
    including its Annual Report on Form 10-K for the year ended September
    30, 2006, and its quarterly report on Form 10-Q for the period ended
    December 31, 2006. Forward-looking statements should be considered
    with caution. If any of these risks or uncertainties materializes or
    any of these assumptions proves incorrect, Fair Isaac's results could
    differ materially from Fair Isaac's expectations in these statements.
    Fair Isaac disclaims any intent or obligation to update these
    forward-looking statements.

    Fair Isaac, Falcon and TRIAD are trademarks or registered
    trademarks of Fair Isaac Corporation, in the United States and/or in
    other countries. Other product and company names herein may be the
    trademarks of their respective owners.