HNC Software Selects NetGeo Business Intelligence Technology To Augment Fraud Detection System
Infoscope SM Implemented as Part of HNC's eFalcon Service

Mountain View, Calif. - May 9, 2001 - NetGeo™, Inc., a leading provider of Internet business intelligence solutions, today announced that HNC Software has implemented NetGeo's flagship product, InfoScope SM , as a critical component of HNC's eFalcon™, the leading real-time Internet fraud detection service for e-commerce merchants and their service providers. InfoScope will augment eFalcon's Internet Protocol Address Identification (IP-ID) system, which identifies the country of origin of purchasers on an e-merchant's web site, providing e-merchants with enhanced fraud protection and allowing them to optimize strategies with which to interact with international customers.

“NetGeo continues its momentum as the preferred choice for companies looking to make customer intelligence technology an important part of their total web solution,” said Mark Cramer, President and CEO of NetGeo, Inc. “Infoscope will give companies like HNC Software the competitive advantage critical to preventing fraud online, a major source of concern for online commerce.”

eFalcon is an intelligent fraud detection and risk management service available to online merchants. This advanced solution uses sophisticated neural networks, scores, and rules to distinguish between legitimate shoppers and fraudulent purchasers. It provides strategy management and customer service tools to help merchants save legitimate transactions that appear risky, as well as set policies for accepting and rejecting transactions. eFalcon is based on HNC's Falcon payment card fraud detection technology, developed over a ten-year period and currently used to protect more than 300 million payment card accounts worldwide.

“These days, successful e-commerce firms must anticipate the needs of their customers, expand into new business lines and geographic markets, and deliver fast, consistent, and locally-relevant content on a global scale,” said Walter Lee, Vice President of Risk Management for HNC Software. “By implementing InfoScope, we can offer merchants not only a best-of-breed Internet fraud detection system, but also the ability to find out exactly where their customers are coming from and create a site or offering that is perfectly matched to their target market.”

About NetGeo's InfoScope SM
NetGeo's Internet customer intelligence solution is a revolutionary breakthrough that allows businesses to determine the geographic location of their web customers as well as the companies and organizations to which they belong. The system is designed to integrate easily and is scalable, maintainable, and fast. Customers and partners are up and running within days.

NetGeo's InfoScope enables many different types of Internet applications:
• Online Credit Fraud Detection – Companies use NetGeo's information to “score” or screen online transactions in order to combat fraud.

• Digital Rights Management – Media companies protect their digital media and respect various regional restrictions and distribution agreements by filtering out users from certain geographic areas.

• Web Analytics – Businesses gather essential information about their web consumers to maximize their Internet content and commerce initiatives. Companies may also discover which corporations and organizations are visiting their web sites.

• Geo-Targeted Marketing– Marketers can deliver customized content and advertisements based on the location of web visitors.

About HNC Software HNC Software
(Nasdaq: HNCS) is a leading provider of Intelligent Response, decision management, and customer analytics software that enables companies in the financial, telecommunications, e-commerce, and insurance industries to acquire, manage, and retain customers. For more information, visit www.hnc.com or contact Melinda Bateman at (858) 799-8370.

About NetGeo™, Inc. ( www.netgeo.com )

NetGeo, Inc. is a leading provider of Internet business intelligence solutions. The company provides web businesses with a competitive advantage by enabling them to improve operational efficiencies and better serve their customers by delivering highly accurate, real-time information about who is accessing their web sites. With InfoScopeSM, NetGeo's flagship software product, companies can now more completely understand where their web visitors are coming from (country, state, city, zip code), where they work, and even how they connect to the Internet (Cable, DSL, modem, wireless, etc.). Based on Internet Protocol (IP) addresses, web user trend analysis, and other user behavioral data, valuable business information is delivered in real time without cookies or user input. As such, InfoScope enables the gathering of significant user intelligence with minimal user experience disruption and personal privacy intrusion.

Founded by Michael Yang, the former Co-founder, President and CEO of MySimon, NetGeo has a growing list of customers and partners in the U.S. and abroad including Experian, HNC Software, and Entriq. NetGeo is a privately held company funded by LG Venture Capital, Alps Investment Research, Daesung Corporation, and angel investors, including Michael Yang. The company can be reached at info@netgeo.com or at +01 (650) 318-8000.

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