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Equifax Secures 27 New Patents in the Second Half of 2025
Thursday, January 22, 2026
20 Patents Support the Organization's Approach to Responsible AI, Designed to Accelerate Product Innovation that Help to Create New Financial Opportunities for Consumers
ATLANTA, Dec. 17, 2025 /PRNewswire/ -- Equifax® (NYSE: EFX) secured 27 patents in the second half of 2025, bringing the total number of new patents secured for the year to 62. Twenty of these new patents support the company's approach to artificial intelligence (AI), further complementing its EFX.AI(TM) strategy and helping to accelerate the development of cloud-based, AI-enabled solutions that help to create new financial opportunities for consumers. As of November 2025, Equifax has nearly 700 issued or pending patents spanning 15 countries, encompassing distinctive techniques to accelerate the use of AI, including machine learning for data & analytics and risk modeling. More than 320 of the organization's pending and approved patents support its approach to responsible AI, with many of these patented AI techniques used in customer-facing solutions.
"Equifax patents protect the unique innovations created for the benefit of the customers and consumers we serve in 24 countries around the world," said Harald Schneider, Chief Data & Analytics Officer at Equifax. "We are focused on continuous innovation. Our growing suite of EFX.AI-powered solutions, made possible by the Equifax Cloud(TM) , our unique differentiated data, and our patented capabilities are driving higher-performing solutions and processes to help our customers get to the insights they need faster, ultimately enabling new consumer opportunities."
The custom-built Equifax Cloud is a top-tier global technology and security infrastructure that continues to set the company apart in the industry. Backed by a multi-year, approximately $3 billion investment in security and technology, The Equifax Cloud and custom data fabric enable the organization to drive AI innovation and maximize EFX.AI capabilities for faster solution implementation, new product innovation, cloud-native model deployment and expedited consumer decisioning.
The latest technology and innovation covered by the most recent Equifax patents include:
-- Production-Ready Attributes Creation and Management for Software
Development (Australia) - This patent describes features of the Equifax
Ignite® and InterConnect® platforms that allow for more effective
attribute management, allowing customers to quickly move from analytics
to production. It describes a computing system that uses attribute
templates in a production-reading programming language to determine and
generate attribute definitions. These attribute definitions are more
easily deployed to the production environment and can also be monitored
more effectively to ensure performance.
-- Consolidation of Data Sources for Expedited Validation of Risk
Assessment Data (U.S.) - This patent consolidates and validates
user-provided data and data from financial institutions through a single
interface. This instant, combined validation aims to overcome slow,
traditional data checks, accelerating decision-making. This technology
can support next generation OnlyEquifax solutions like Income Qualify,
which delivers income and employment insights from The Work Number®
alongside the Equifax credit report to mortgage lenders during the
prequalification and pre-approval phase, offering earlier visibility
into an applicant's financial health.
-- Updating Attribute Data Structures to Indicate Trends in Attribute Data
Provided to Automated Modeling Systems (European Patent Office) - This
patent describes a system that enhances automated prediction models,
such as those for risk or credit assessment, by addressing the
limitations of using only static data. It achieves this by creating
"trended attributes" from Equifax historical data, capturing behavioral
patterns over time.
-- Machine-Learning Techniques for Risk Assessment Based on Multiple Data
Sources (U.S.) - This patent describes a machine-learning system that
creates a more accurate and complete "integrated risk score" by
combining traditional and alternative data, data not historically
contained in traditional credit reports--including rental, utility, and
telecom payments. This system enables Equifax to provide a more
comprehensive and equitable risk evaluation and improve decision-making.
Solutions like Financial Durability Measures provide more insight into a
household's likely financial resilience.
-- Secure Online Access Control to Prevent Identification Information
Misuse (Australia) - This patent describes a central security system for
managing and protecting digital resources, aiming to prevent online
fraud. It creates a "secure resource management system" that acts as a
trusted record keeper, storing permanent records of each resource and
its transaction history. This technology can support solutions like
Australia's Fraud Detection and Prevention platform, giving Equifax
customers the ability to verify ownership before granting access,
ensuring secure resource transfers and preventing fraudulent activity.
-- Device-Agnostic Access Control Techniques (European Patent Office) -
This patent describes a smart, "device-agnostic" security system that
improves user experience by creating a unique "behavioral fingerprint,"
called a "historical entity vector," for each legitimate user. This
patented technology, which can be used in Equifax UK Identity
Verification & Fraud Prevention solutions, is able to compare current
authentication data to the historical fingerprint, enabling the system
to recognize the real user on a new device, ensuring secure, seamless
access to interactive websites and apps.
Learn more about the Equifax commitment to responsible AI innovation at EFX.AI. The most recent Equifax Intellectual Property list is available here.
ABOUT EQUIFAX INC.
At Equifax (NYSE: EFX), we believe knowledge drives progress. As a global data, analytics, and technology company, we play an essential role in the global economy by helping financial institutions, companies, employers, and government agencies make critical decisions with greater confidence. Our unique blend of differentiated data, analytics, and cloud technology drives insights to power decisions to move people forward. Headquartered in Atlanta and supported by nearly 15,000 employees worldwide, Equifax operates or has investments in 24 countries in North America, Central and South America, Europe, and the Asia Pacific region. For more information, visit Equifax.com.
FOR MORE INFORMATION:
Alexandra Packey for Equifax
mediainquiries@equifax.com
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SOURCE Equifax Inc.
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