US Patent 5,819,226 is confirmed as HNC's own founding patent for Falcon Fraud Manager, not an unrelated filing

hncfalconficofraud-detectionpatentsprovenancedeep-learning-history

U.S. Patent 5,819,226, "Fraud Detection Using Predictive Modeling," draws its own Figure 2 — described in the specification as "a sample system monitor screen which forms part of a typical output interface for the present invention" — with the words "FALCON Monitor" printed as the screen's title bar (Sheet 2 of 21). The product name lives in the drawing, not in the prose: "Falcon" appears nowhere in the specification, claims or abstract, which is why the granted PDF and not the HTML mirror is the citable artifact here. Combined with the filing date (September 8, 1992 — the year HNC's Falcon Fraud Manager is independently dated to in claim-hnc-falcon-fraud-manager-became-fico-infrastructure) and the assignee (HNC Software Inc., San Diego), this ties the patent directly to the Falcon product, rather than to some other, unrelated HNC filing. This is the evidentiary link that upgrades the patent from "a plausible HNC patent" to "the patent describing Falcon itself" — the fact the architecture claims in claim-hnc-1992-falcon-patent-names-network-architecture-as-feed-forward, claim-hnc-1992-falcon-patent-specifies-backpropagation-gradient-descent-supervised-training, and claim-hnc-falcon-patent-describes-multilayer-not-single-layer-network actually depend on to apply to Falcon specifically.

The same patent's background citations, offered "for a more detailed description of neural networks," name "D. E. Rumelhart et al" — the 1986 Nature 323 paper "Learning Representations by Back-Propagating Errors," pp. 533–36, whose full authorship is Rumelhart, Hinton and Williams, see claim-rhw-1986-demonstration-not-invention — and R. Hecht-Nielsen, "Theory of the Backpropagation Neural Network," in Neural Networks for Perception, pp. 65–93 (1992), a chapter by HNC's own co-founder. Both are the vault's already-tracked foundational backpropagation lineage; this patent is a concrete, dated instance of that lineage becoming commercial fraud-scoring infrastructure — filed in September 1992, the same year the Hecht-Nielsen chapter it cites went to print.