American Journal of Intelligent Systems 2015, 5(1): 27-33 DOI: 10.5923/j.ajis.20150501.03 An Antifraud System for Tourism SMEs in the Context of Electronic Operations with Credit Cards Fidel Rebón * , Iñigo Castander, Jon Argandoña, Jon Kepa Gerrikagoitia, Aurkene Alzua-Sorzabal CI Ctour GUNE, Donostiako Parke Teknologikoa, Mikeletegi Pasealekua, Donostia, Spain Abstract The new paradigm of marketing and communication, in which the “tourism marketer” conducts its strategies by adapting services to the tourists’ interests has enabled an increase in the number of transactions made by tourists, before, during and after the trip. This act, in which both parties, buyer and seller, annul their differences are generally carried out on the internet by means of credit cards. Knowledge Discovery in Databases techniques bring up an optimal solution for discovering fraud conducted in internet transactions before it is executed. This study proposes a novel system of antifraud model in order to improve the analyzed techniques and help in the decision-making process of fraud with credit cards in electronic transactions for the tourism SMEs. Keywords Credit Fraud, Credit Fraud Model Process, Knowledge Discovery in Databases 1. Introduction Traditionally, sociocultural elements of the environment have been embraced by human beings and incorporated into their personality in order to adapt to society’s needs. However, the real world is leading to an attractive digital and virtual realm that, in contrast, is able to rapidly adapt to these requirements. Society has started to respond to the globalization and digitalization phenomena, where Information and Communication Technologies (ICTs) represent one of the pillars in the new knowledge economy [1]. In the context of tourism, the new paradigm of marketing and communication, in which the “tourism marketer” conducts its strategies by adapting services to the tourists’ interests [2], has enabled an increase in the number of transactions made by tourists before, during and after the trip [3], [4]. This act, in which both of the parties, buyer and seller annul their differences, is generally carried out through credit cards based on the Internet. The statistics on electronic Commerce (e-commerce) state that between the years 2009 to 2012 the volume of online buyers in the United States has experienced a growth of over 22 million. Forecasts estimate that by 2015 these numbers will be up to around 38 million [5]. Not only the number of users will rise rapidly, but also the business volume will increase. For example, in the first quarter of 2013, the 25 million transactions originated in Spain and * Corresponding author: FidelRebon@tourgune.org (Fidel Rebón) Published online at http://journal.sapub.org/ajis Copyright © 2015 Scientific & Academic Publishing. All Rights Reserved directed out of its borders represented an amount of 1.2 billion euros. The largest part of the purchases was directed towards the European Union, adding up to 89% of the total. The transactions directed to the United States stand for a 5%. The value of the foreign transaction directed to Spanish websites reached 463 million euros. The biggest share of the transactions had its origin in the European Union, counting for a total volume of business of around 72% [6]. The data provided shows an upward tendency in the number of daily trade transactions that will take place in the market. This fact inevitably leads to the increase of fraud in credit cards operations. This type of fraud has an estimated waste cost of billions of dollars for both consumers and the financial industry [7]. These financial and industrial entities are the ones that have put more means for preventing this type of fraud. Nevertheless, small and medium size enterprises (SMEs) have little access to resources, capital and knowledge needed to fight against fraud. Furthermore, a large share of enterprises in the tourism sector pertains to this structural segment [8]. Besides this, the incorporation of ICTs to the cooperative network culture is barely developed, despite it could positively influence in its level of competitiveness [9]. Actually, information technology and Business Intelligence provide a novel direction to support enterprise business in the new age [10]. At this moment a confluence of practices is taking place and technologies are leading into smarter computing capacities. This paradigm shift will enable organizations to overtake intelligent actions to address time-sensitive business processes and benefit from analysis [11]. This analysis is developed by applying Knowledge Discovery in Databases (KDD). These techniques bring up an optimal solution for discovering