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Revenue from Contract with Customer
 3 Months Ended
Dec. 31, 2021
Revenue from Contract with Customer [Abstract]  
Revenue from Contract with Customer Revenue from Contracts with Customers
Disaggregation of Revenue

The following tables provide information about disaggregated revenue by primary geographical market:

Quarter Ended December 31, 2021
ScoresSoftwareTotalPercentage
(Dollars in thousands)
Americas$165,712 $99,185 $264,897 82 %
Europe, Middle East and Africa1,493 37,398 38,891 12 %
Asia Pacific2,282 16,291 18,573 6 %
      Total$169,487 $152,874 $322,361 100 %
Quarter Ended December 31, 2020
ScoresSoftwareTotalPercentage
(Dollars in thousands)
Americas$140,713 $108,024 $248,737 79 %
Europe, Middle East and Africa1,713 43,678 45,391 15 %
Asia Pacific2,225 16,061 18,286 6 %
      Total$144,651 $167,763 $312,414 100 %

The following table provides information about disaggregated revenue for our Software segment by deployment method:
Quarter Ended December 31,Percentage of revenues
2021202020212020
(Dollars in thousands)
On-premises software$57,295 $66,482 45 %53 %
SaaS software69,043 59,973 55 %47 %
     Total$126,338 $126,455 100 %100 %
The following table provides information about disaggregated revenue for our Software segment by product features:
Quarter Ended December 31,Percentage of revenues
2021202020212020
(Dollars in thousands)
Platform software (*)$22,072 $14,125 17 %11 %
Non-platform software104,266 112,330 83 %89 %
     Total$126,338 $126,455 100 %100 %
(*) The FICO platform software is a set of interoperable services which use software assets owned and/or governed by FICO for building solutions and which conform to FICO architectural standards based on key elements of Cloud Native Computing design principles. These standards encompass shared security context and pre-integration using FICO standard application programming interfaces for all services.
The following table provides information about disaggregated revenue for our Software segment by timing of revenue recognition:

Quarter Ended December 31,Percentage of revenues
2021202020212020
(Dollars in thousands)
Software recognized at a point time (1)
$7,159 $12,894 6 %10 %
Software recognized over contract term (2)
119,179 113,561 94 %90 %
     Total$126,338 $126,455 100 %100 %
(1)Includes license portion of our on-premises subscription software and perpetual license, both of which are recognized when the software is made available to the customer, or at the start of the subscription.
(2)Includes maintenance portion and usage-based fees of our on-premises subscription software, maintenance revenue on perpetual licenses, as well as SaaS revenue.
The following table provides information about disaggregated revenue for our Scores segment by distribution method:

Quarter Ended December 31,Percentage of revenues
2021202020212020
(Dollars in thousands)
Business-to-business Scores$112,968 $100,144 67 %69 %
Business-to-consumer Scores56,519 44,507 33 %31 %
     Total$169,487 $144,651 100 %100 %
We derive a substantial portion of revenues from our contracts with the three major consumer reporting agencies, TransUnion, Equifax and Experian. Revenues collectively generated by agreements with these customers accounted for 38% and 34% of our total revenues in the quarters ended December 31, 2021 and 2020, respectively, with two consumer reporting agencies each contributing more than 10% of our total revenues in each of the quarters ended December 31, 2021 and 2020.
Contract Balances    
We record a receivable when we satisfy a performance obligation prior to invoicing if only the passage of time is required before payment is due or if we have an unconditional right to consideration before we satisfy a performance obligation. We record a contract asset when we satisfy a performance obligation prior to invoicing but our right to consideration is conditional. We record deferred revenue when the payment is made or due before we satisfy a performance obligation.
Receivables at December 31, 2021 and September 30, 2021 consisted of the following: 
 December 31, 2021September 30, 2021
 (In thousands)
Billed$138,608 $198,305 
Unbilled156,132 155,408 
294,740 353,713 
Less: allowance for doubtful accounts(4,282)(4,154)
Net receivables290,458 349,559 
    Less: long-term receivables *(30,297)(37,452)
    Short-term receivables *$260,161 $312,107 
(*) Short-term receivables and long-term receivables were recorded in accounts receivable, net and other assets, respectively, within the accompanying consolidated balance sheets.
Deferred revenue primarily relates to our maintenance and SaaS contracts billed annually in advance and generally recognized ratably over the term of the service period. Significant changes in the deferred revenues balances are as follows:
Quarter Ended December 31,
20212020
(In thousands)
Deferred revenues, beginning balance (*)$110,763 $122,141 
Revenue recognized that was included in the deferred revenues balance at the beginning of the period(45,942)(47,793)
Increases due to billings, excluding amounts recognized as revenue during the period38,515 48,441 
Deferred revenues, ending balance (*)$103,336 $122,789 
(*) Deferred revenues at December 31, 2021 included current portion of $98.4 million and long-term portion of $4.9 million that were recorded in deferred revenue and other liabilities, respectively, within the condensed consolidated balance sheets. Deferred revenues at September 30, 2021 included current portion of $105.4 million and long-term portion of $5.4 million that were recorded in deferred revenue and other liabilities, respectively, within the condensed consolidated balance sheets.
Payment terms and conditions vary by contract type, although terms generally include a requirement of payment within 30 to 60 days. In instances where the timing of revenue recognition differs from the timing of invoicing, we have determined our contracts generally do not include a significant financing component. The primary purpose of our invoicing terms is to provide customers with simplified and predictable ways of purchasing our products and services, not to provide customers with financing or to receive financing from our customers. Examples include multi-year on-premises licenses that are invoiced annually with revenue recognized upfront and invoicing at the beginning of a subscription term with revenue recognized ratably over the contract period.
Performance Obligations
Revenue allocated to remaining performance obligations represents contracted revenue that will be recognized in future periods, which is comprised of deferred revenue and amounts that will be invoiced and recognized as revenue in future periods. This does not include:
•Usage-based revenue that will be recognized in future periods from on-premises software subscriptions;
•Consumption-based variable fees from SaaS software that will be recognized in the distinct service period during which it is earned; and
•Revenue from variable considerations that will be recognized in accordance with the “right-to-invoice” practical expedient, such as fees from our professional services billed based on a time and materials basis.
Revenue allocated to remaining performance obligations was $270.6 million as of December 31, 2021, approximately 50% of which we expect to recognize over the next 16 months and the remainder thereafter. Revenue allocated to remaining performance obligations was $289.0 million as of September 30, 2021.