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Syn Bank
PROJECT REPORT
ON
“ONLINE BANKING”
SUBMITTED TO
SESSION 2011-2012
Submitted To:
Submitted By:
With the rapid globalization of the Indian economy, enterprises are facing with
ever changing competitive environment. Enterprises are adopting strategies
aimed at developing competitive advantage based on enhanced customer value
in terms of product differentiation, quality, speed, service and costs. In the post
liberalization era, with the deregulation of Indian economy, the financial service
sector witnessing a complete metamorphosis and technology is playing a very
significant role in this record. Over the last decade India has been one of the
fastest adopters of information technology, particularly because of its capability
to provide software solution to organizations around the world. This capability
has provided a tremendous impetuous to the domestic banking industry in India
to deploy the latest in technology, particularly in the Internet banking and e-
commerce arenas. Banks are growing in size by mergers and acquisitions,
which have been driven by communication and technology. Technology is
playing a major role in increasing the efficiency, courtesy and speed of
customer service. It is said to be the age of E-banking. An Online Banking user
is expected to perform at least one of the following transactions online:
2. Transaction
3. Paying bills
From a bank’s perspective, using the Internet is more efficient than using other
distribution mediums because banks are looking for an increased customer base.
Using multiple distribution channels increases effective market coverage by
enabling different products to be targeted at different demographic segments.
Also Banks cannot risk losing customers to competitors within the aggressive
competition in the banking industry around the world. Moreover Internet
delivery offers customized service to suit the needs and the likes of each user.
Mass customization happens effectively through Online Banking. It reduces
cost and replaces time spent on routine errands with spending time on business
errands. Online Banking means less staff members, smaller infrastructure
demands, compared with other banking channels. From the customers’
perspective, Online Banking provides a convenient and effective way to manage
finances that is easily accessible 24 hours a day, seven days a week. In addition
information is up to date. Nevertheless Online Banking has disadvantages for
banks like how to work the technology, set-up cost, legal issues, and lack of
personal contact with customers. And for customers there are security and
privacy issues.
INDEX
1.3 Overview 2
3.2.1 Operational 17
3.2.2 Technical 18
3.2.3 Economic 26
4.1 Scope 27
4.2 Database design 27
7.1 Security 44
7.2 Reliability 44
7.3 Maintainability 44
7.4 Portability 45
7.5 Reusability 45
8. Security 47-48
8.1 Description 47
8.4 Risk 48
1. INTRODUCTION
Internet banking is a product of e-commerce in the field of banking and
financial services. In what can be described as business to customer domain for
banking industry, Internet banking offers different online services like balance
enquiry, balance transfer, opening account, calculate EMI’s etc. Mostly, these
are traditional services offered through internet as a new delivery channel.
Banks are also offering payment services on the behalf of their customers who
shop in different e-shops, e-malls etc. Further, different banks have different
levels of such services offered, starting from level-1 where only information is
disseminated through internet to level-3 where online transactions are put
through.
3. EASY RETRIEVAL OF DATA: Data is retrieved easily and quick using sql
commands. On line commands are used to retrieve huge amount of data.
Though there are many online systems available on internet but this can
compete with them with some advancement in its functionality and can be used
by any bank organization to maintain their customer’s account and online
transaction process.
Create Account
Login
Update Profile
Password Recovery
View Profile
ATM Simulator
Contact Form
Amount Transaction
EMI and Loan Calculator
Delete account
Logout
1. MENU DRIVEN:
The project uses menu throughout which we can choose required options.
Menus are self-explanatory, as they are very easy to use and user can go to any
other web page using the menu.
2. USER CONFIRMATION:
Whenever the user tries to delete or edit the data, the system asks for the
confirmation. This is used to avoid the accidental changes to the database. A
confirmation is also provided for the exit of the application.
User is provided with a graphical interface in which user can select from
various options and can perform desired operations with perfect understanding
of the menu selected.
The package provides a multiple document interface to the user. The user can
view more than one entry form or pages at the same time.
a) Inconsistencies
b) Update anomalies
c) Decentralization problems
2. General Description
1. What is the problem? This should explain why the team is needed.
2. Who has the problem or who is the client/customer? This should explain
who needs the solution and who will decide the problem has been solved.
3. What form can the resolution be? What is the scope and limitations (in
time, money, resources, technologies) that can be used to solve the
problem? Does the client want a white paper? A web-tool? A new feature
for a product? A brainstormingon a topic?
2.3.2 LOGIN
This module is used by all the users to log into the account. The user is
required enter his/her user name and password. After login user will be
redirected to the user’s home page.
Update profile module will be used to update or change any detail of user
such as address, phone number, city, state, etc.
This module is used to recover the lost password by the user by entering
his/her valid email address. This email address will be matched from
database and automatically generated email will be sent to the user
containing his/her user name and password.
This module is the automatically generated page when user clicks the view
profile button. This contain the user account detail such as name, account
balance, email id, address, city.
This module is the user view page after login where he/she can transfer the
amount to other account by providing the amount to be transferred and the
account number where to be transferred.
This module is used to calculate the interest amount of EMI and load by
proving the interest rate, total amount and duration.
This module is used to delete the user’s account by the confirmation of user.
2.3.11 LOGOUT
This module is used to logout from the user’s session and redirected to the
home page of website.
3. SYSTEM ANALYSIS
To view your accounts in Online Banking you will need internet access using
one of the following supported browsers:
The following are the most essential requirements for developing and hosting
web applications:
SPEED aims to help you track these developments not just at a national or
global level, but as an integrated whole.
Now almost all Banks branches are connected through the online banking
facilities. The transactions of a particular bank are transmitted through the
Micro-Bank software from INFLEX Solutions to the Head Office, where every
data is stored in the database.
Real-time On-line any branch banking for the clients is used to facilitate the
clients to deposit / draw or remit funds to and from their accounts, from one
bank to another.
Meanwhile, for the Smooth operation and efficient functioning of the system
they have completed the proper training to the related personnel
3.2.2 Technical
Technology used:
XAMPP
SQL
HTML
PHP
XAMPP:
XAMPP is one of the widely used cross-platform web servers, which helps
developers to create and test their programs on a local webserver. It was developed
by the Apache Friends, and its native source code can be revised or modified by
the audience. It consists of Apache HTTP Server, MariaDB, and interpreter for the
different programming languages like PHP and Perl. It is available in 11 languages
and supported by different platforms such as the IA-32 package of Windows & x64
package of macOS and Linux.
What is XAMPP?
XAMPP is an abbreviation where X stands for Cross-Platform, A stands for Apache, M
stands for MYSQL, and the Ps stand for PHP and Perl, respectively. It is an open-source
package of web solutions that includes Apache distribution for many servers and command-
line executables along with modules such as Apache server, MariaDB, PHP, and Perl.
XAMPP helps a local host or server to test its website and clients via computers and laptops
before releasing it to the main server. It is a platform that furnishes a suitable environment to
test and verify the working of projects based on Apache, Perl, MySQL database, and PHP
through the system of the host itself. Among these technologies, Perl is a programming
language used for web development, PHP is a backend scripting language, and MariaDB is
the most vividly used database developed by MySQL. The detailed description of these
components is given below.
Components of XAMPP
As defined earlier, XAMPP is used to symbolize the classification of solutions for
different technologies. It provides a base for testing of projects based on different
technologies through a personal server. XAMPP is an abbreviated form of each
alphabet representing each of its major components. This collection of software
contains a web server named Apache, a database management system
named MariaDB and scripting/ programming languages such as PHP and Perl. X
denotes Cross-platform, which means that it can work on different platforms such
as Windows, Linux, and macOS.
Many other components are also part of this collection of software and are explained
below.
3. MariaDB: Originally, MySQL DBMS was a part of XAMPP, but now it has been
replaced by MariaDB. It is one of the most widely used relational DBMS,
developed by MySQL. It offers online services of data storage, manipulation,
retrieval, arrangement, and deletion.
4. PHP: It is the backend scripting language primarily used for web
development. PHP allows users to create dynamic websites and applications.
It can be installed on every platform and supports a variety of database
management systems. It was implemented using C language. PHP stands
for Hypertext Processor. It is said to be derived from Personal Home Page
tools, which explains its simplicity and functionality.
6. phpMyAdmin: It is a tool used for dealing with MariaDB. Its version 4.0.4 is
currently being used in XAMPP. Administration of DBMS is its main role.
8. XAMPP Control Panel: It is a panel that helps to operate and regulate upon
other components of the XAMPP. Version 3.2.1 is the most recent update. A
detailed description of the control panel will be done in the next section of the
tutorial.
9. Webalizer: It is a Web Analytics software solution used for User logs and
provide details about the usage.
12.Filezilla: It is a File Transfer Protocol Server, which supports and eases the
transfer operations performed on files. Its recently updated version is 0.9.41.
PHP:
PHP started out as a small open source project that evolved as more and more
people found out how useful it was. Rasmus Lerdorf unleashed the first version of
PHP way back in 1994.
PHP is a recursive acronym for "PHP: Hypertext Preprocessor".
PHP is a server side scripting language that is embedded in HTML. It is used
to manage dynamic content, databases, session tracking, even build entire
e-commerce sites.
It is integrated with a number of popular databases, including MySQL,
PostgreSQL, Oracle, Sybase, Informix, and Microsoft SQL Server.
PHP is pleasingly zippy in its execution, especially when compiled as an
Apache module on the Unix side. The MySQL server, once started, executes
even very complex queries with huge result sets in record-setting time.
PHP supports a large number of major protocols such as POP3, IMAP, and
LDAP. PHP4 added support for Java and distributed object architectures
(COM and CORBA), making n-tier development a possibility for the first time.
PHP is forgiving: PHP language tries to be as forgiving as possible.
PHP Syntax is C-Like.
Characteristics of PHP
Five important characteristics make PHP's practical nature possible −
Simplicity
Efficiency
Security
Flexibility
Familiarity
SQL:
The name SQL stands for Structural Query Language. SQL is a data
access language, like any other language, it is used for communication. SQL
communicates with database manager. The database manager could be Oracle,
Informix, DB2 and SQL database. SQL is easy to learn. Despite the fact that
SQL is a computer programming language, it is much simpler than traditional
programming language like COBOL, BASIC, FORTRAN or API. This is due to the
fact that SQL is a non-procedural language.
o SQL May be used with each of the Oracle tools, where access to
the database is required.
Overview of SQL:
Features of SQL:
Querying data
DDL allows creation, Deletion and Modification of data structure for bar
system. These structures include tables, databases and indexes.
These commands are used to control usage and access of data. The most
commonly found one’s will include grant, revoke.
Why to Use?
HTML:
The extended reach of information and services to customers that the Internet has
enabled, has created a new challenge for the developer. The developer should develop a
user interface that is distributable, available on multiple platforms and supports a wide
range of client environments from handheld wireless devices to high-end workstations.
So to maintain a broad reach to client environments and to achieve greatest
compatibility with all browsers, this system uses standard HTML.
The user interface has been designed in HTML hence can be browsed in
any web browser.
Cascading Style Sheets:
These have been used to separate data form presentation. By using these style sheets
throughout the project, a uniform look and feel can be maintained for all the HTML
elements and tags that have been used in the project. If there is any revamp the way
the content has been presented in the website, the changes can be made to the
appropriate style sheet, which will be reflected across all the style sheets.
4. System Design
4.1 Scope:
Though there are many online systems available on internet but this can
compete with them with some advancement in its functionality and can be used
by any bank organization to maintain their customer’s account and online
transaction process.
Create Account
Login
Update Profile
Password Recovery
View Profile
ATM Simulator
Contact Form
Amount Transaction
EMI and Loan Calculator
Delete account
Logout
Control Redundancy
Ease of use
Performance
There are 6 major steps in design process. The first 5 steps are usually done on
paper and finally the design is implemented.
Identify the data that is needed for each table and relationship
Resolve the relationship
NORMALIZATION
DATA INTEGRITY
Data integrity refers to the procedure that ensures correctness of the data
entered in the database. Functions have been provided in the software, which
check data while being entered. Integrity problems are occurred due to hardware
or software malfunctions such as power failure and disk crashes. Side effect
from the program development may also be the reason.
DATA CONSISTENCY
Problem with data consistency occur when adding records without first
checking for records with same key or deleting records without deleting other
related records. Likewise the software is coded such that primary keys can’t be
duplicated. For developing an efficient database, we have to fulfill certain
conditions such as :
• Control redundancy
• Ease of use
• Data independence
• Performance
For achieving the above criteria’s we have to make use of various features that
are available with DBMS such as:
* STORED PROCEDURES
sps_contact
sps_forgot
Sps_Global
sps_loc
sps_register
sps_transac
External Entity
Process
A process shows a transformation or manipulation of data flows within the
system. The symbol used is a rectangular box which contains 3 descriptive
elements:
Firstly an identification number appears in the upper left hand corner. This is
allocated arbitrarily at the top level and serves as a unique reference.
Secondly, a location appears to the right of the identifier and describes where in
the system the process takes place. This may, for example, be a department or a
piece of hardware. Finally, a descriptive title is placed in the centre of the box.
This should be a simple imperative sentence with a specific verb, for example
'maintain customer records' or 'find driver'.
Data Flow
A data flow shows the flow of information from its source to its destination. A
data flow is represented by a line, with arrowheads showing the direction of
flow. Information always flows to or from a process and may be written, verbal
or electronic. Each data flow may be referenced by the processes or data stores
at its head and tail, or by a description of its contents.
Data Store
A resource flow shows the flow of any physical material from its source to its
destination. For this reason they are sometimes referred to as physical flows.
The physical material in question should be given a meaningful name. Resource
flows are usually restricted to early, high-level diagrams and are used when a
description of the physical flow of materials is considered to be important to
help the analysis.
4.6.2 LOGIN
This module is used by all the users to log into the account. The user is
required enter his/her user name and password. After login user will be
redirected to the user’s home page.
Update profile module will be used to update or change any detail of user
such as address, phone number, city, state, etc.
This module is used to recover the lost password by the user by entering
his/her valid email address. This email address will be matched from
database and automatically generated email will be sent to the user
containing his/her user name and password.
This module is the automatically generated page when user clicks the view
profile button. This contain the user account detail such as name, account
balance, email id, address, city.
This module is used to find the address and location of ATM and banks in
the selected city.
This module is used to calculate the interest amount of EMI and load by
proving the interest rate, total amount and duration.
This module is used to delete the user’s account by the confirmation of user.
4.6.11 LOGOUT
This module is used to logout from the user’s session and redirected to the
home page of website.
5. Interface requirement
Internet Explorer
Google Chrome
Mozilla Firefox
Opera
Notepad ++
Dreamweaver
40 GB HDD or higher
Printer
UPS
LAN Connectivity (Assets Management should be accessible through
Intranet)
XAMPP
tested. Though this gives a feel the project is completed, there cannot be any
project without going through this stage. Hence in this stage it is decided
whether the project can undergo the real time environment execution without
any break downs, therefore a package can be rejected even at this stage.
systematically. The proposed system is tested in parallel with the software that
separately to uncover errors with in its boundaries. User interface was used as a
testing is done to check the module functionality and interaction between units
within a module.
within the same module. It then tests the overall functionality of each module.
The objective is to take unit-tested module and build a program structure that
The software has been tested with the realistic data given by the client and
produced fruitful results. The client satisfying all the requirements specified by
them has also developed the software within the time limitation specified. A
demonstration has been given to the client and the end-user giving all the
operational features.
7.1 Security
The recent growth of festivals and events as an industry around the world means
that the management can no longer be ad hoc. Events and festivals, such as
the Asian Games, have a large impact on their communities and, in some cases,
the whole country.
The industry now includes events of all sizes from the Olympics down to a
breakfast meeting for ten business people. Many industries, charitable
organization and interest groups will hold events of some size in order to market
themselves, build business relationships, raise money or celebrate.
7.2 Reliability
Internet banking renders location and time irrelevant, and empowers customers
with greater control of their accounts. Banks achieve cost and efficiency gains
in a large number of operational areas. This paper addresses the aspects of
reliability and accessibility from a banking enterprise point of view and puts
forth present day solutions to problems involving these issues. An Indian
perspective of Internet banking is also looked at in order to gaining a better
perspective regarding the situation.
7.3 Maintainability
7.4 Portability
The implementation is the final and important phase. It involves User training,
system testing and successful running of the developed system. The users test
the developed system when changes are made according to the needs. The
testing phase involves the testing of the developed system using various kinds
of data. An elaborate testing of data is prepared and system is tested using the
tests data.
8.Security
8.1 Description
Event management is the application of project management to the creation and
development of festivals, events ,extra vagenga and conferences.
The recent growth of festivals and events as an industry around the world means
that the management can no longer be ad hoc. Events and festivals, such as
the Asian Games, have a large impact on their communities and, in some cases,
the whole country.
The industry now includes events of all sizes from the Olympics down to a
breakfast meeting for ten business people. Many industries, charitable
organization and interest groups will hold events of some size in order to market
themselves, build business relationships, raise money or celebrate.
Merely we think of the cost estimation on the basis of the following points:
Static IP for WEB ---- null
Paper work & reports ---- Rs.400
Labour costs ---- null
Other expenses ---- Rs. 50
Now looking at the time limit of 15 days and working for 2 hours and
work to do we can divide our work in following parts and complete it.
8.4 Risk
Internet speed
We have to take certain important measures to not face these risks to occur.