CS 76

SYNOPSIS

E-BANKING
SYSTEM
by

NAME: MANAS SAXENA

ENROLMENT NO: 176549282

Under Guidance
of
..............................

Submitted to the School of Computer and Information Sciences, IGNOU

in partial fulfillment of the requirements
for the award of the degree
Bachelor of Computer Applications (BCA)
2019

Indira Gandhi National Open University

Maidan Garhi
New Delhi – 110068.

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Under Supervision of :

Submitted By:

Name : MANAS SAXENA

Programme code : BCA

Enrolment No. : 176549282

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 TABLE OF CONTENTS
Contents Page No.
1. Title of the project 4

2. Introduction and objectives of the Project 5

3. Advantages 6

4. Project category 9

5. Analysis (DFDs, ER Diagram and Tables) 10

6. MODULARIZATION 25

7. Tools/Platform, Hardware & Software Requirements 30

8. Security and Validation Checks 32

9. Conclusions 33

10. Bibliography 33

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1. TITLE OF THE PROJECT

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 2. INTRODUCTION AND OBJECTIVES OF THE PROJECT

The concept of Internet banking has been simultaneously evolving with the development of the
World Wide Web. Programmers working on banking data bases came up with ideas for online
banking transactions, sometime during the 1980s.
In 1983, the Nottingham Building Society, commonly abbreviated and referred to as the NBS,
launched the first Internet banking service in United Kingdom. This service formed the basis for
most of the Internet banking facilities that followed. The facility introduced by Nottingham
Building Society is said to have been derived from a system known as Pestle that is deployed by
the postal service department of United Kingdom. Internet banking means any user with a
personal computer and a browser can get connected to his bank’s website to perform any of the
virtual banking functions:

 Balance enquiry.
 Transfer of funds.
 Online payment of bills.
 Accrued interest, fees and taxes.
 Transaction details of each account.
 Accounts, credit card.
 Home loan balances.
 Transfer funds to third party accounts you nominate.
 Open a deposit right from the terminal you are sitting at.

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 3. OBJECTIVES
In E- BANKING SYSTEM, once bank has approved a user registration, then user is able to
access his/her accounts online. Bank will give a registration number or login ID. User will also
need a password (IPIN).The Internet password is different from the PIN that user use with his
debit card. Before user can access his account online, he’ll need to register with the bank for
Internet banking.

Merits/Demerits of Internet Banking Convenience: Unlike your corner bank, online banking sites
never close; they’re available 24 hours a Merits: Transaction speed: Online bank Ubiquity: If
user is out of state or even out of the country when a money problem arises, user can log on
instantly to your online bank and take care of business, 24/7 day, seven days a week, and they’re
only a mouse click away. sites generally execute and confirm transactions at or quicker than
ATM processing speeds.

 Efficiency: You can access and manage all of your bank accounts, including IRAs, CDs,
even Effectiveness: Many online banking sites now offersecurities, from one secure
site. sophisticated tools, including account aggregation, stock quotes, rate alerts and
portfolio managing programs to help you manage all of your assets more effectively.
Most are also compatible with money managing programs such as Quicken and Microsoft
Money.

 The trust thing: For many people, the biggest hurdle to online banking is learning to
trust it. Did my transaction go through? Did I push the transfer button once or twice? Best
bet: always print the transaction receipt and keep it with your bank records until it shows
up on your personal site and/or your bank statement.

 Bank site changes: Even the largest banks periodically upgrade their online programs,
adding new features in unfamiliar places. In some cases, you may have to re-enter
account information.

 Learning curve: Banking sites can be difficult to navigate at first.Plan to invest some
time and/or read the tutorials in order to become comfortable in your virtual lobby.

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  Start-up may take time: In order to register for your banks online program, you will
probably have to provide ID and sign a form at a bank branch. If you and your spouse
wish to view and manage your assets together online, one of you may have to sign a
durable power of attorney before the bank will display all of your holdings together.

INPUTS AND OUTPUTS in INTERNET BANKING

 STEP 1: Make sure your computer is connected to the Internet.

 STEP 2: Go to E- BANKING SYSTEM.

 STEP 3: Once user is registered with bank’s website there is a button or the icon labelled
‘Log on to Internet banking’ or something similar(the terminology varies from bank to
bank). Click on this icon It will take you to a login page

 STEP 4: Login to your Internet account. It generally requires you to enter your
registration number or login ID You will also have to enter your password – either by
typing it in, or by clicking on letters and numbers onscreen.

 STEP 5: Some banks have a two stage authentication process ― an additional security
measure to protect customers’ accounts and personal data. If a two-stage process, user
will then have to enter another code. The code may be generated by a security token the
bank gives you when you register for Internet banking, or it could be contained in an
SMS message the bank sends to your mobile phone.

 STEP 6: If user’ve entered the correct information at all these stages, you’ll gain access
to your accounts and be able to begin your Internet banking.

 STEP 7: Once user’ve got online access to your accounts he’ll see the different types of
transactions that you can perform. Usually on the left side of the screen there will be a list
of functions. Click on a function to open it. For example, if user want to transfer funds,
click on the button or icon labelled ‘Transfers’ or something similar. User’ll need to
complete the required data. Remember – make sure that you have the right BSB (Bank
State Branch ) code and account number for the beneficiary of the transfer, as this is the
information that the bank will use to process the transfer.

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  STEP 8: Once user’ve finished his Internet banking, be sure to log out from his account.
Most banks also have in place a ‘time-out’ feature, which means that if you’re inactive
for a certain period in your Internet banking session, you’ll automatically be logged out.

 Increasing number of Fake emails fraudulent bank purporting to be sent websites. from
banks. Use of Trojan Horse Hackers who hack into programs to capture personal bank
user IDs and accounts and steal passwords. money.

ADVANTAGE

This project is useful for the authorities which keep track of all the registered users in a particular
state. The following steps that give the detailed information of the need of proposed system are:

Performance: During past several decades, the records are supposed to be manually handled for
all activities. The manual handling of the record is time consuming and highly prone to error. To
improve the performance of the Bank, the computerized system is to be undertaken. The
computerized project is fully computerized and user friendly even that any one can use.

Efficiency: The basic need of this project is efficiency. The project should be efficient so that
whenever a new user submits his/her details the project is updated automatically. This record
will be useful for other users instantly.

Control: The complete control of the project is under the hands of authorized person who has
the password to access this project and illegal access is not supposed to deal with. All the control
is under the administrator and the other members have the rights to just see the records not to
change any transaction or entry.

Security: Security is the main criteria for the proposed system. Since illegal access may corrupt
the database. So security has to be given in this project.

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 4. PROJECT CATEGORY

This Project is coupled with material on how to use the various tool, sub sets available in
ASP.NET AND SQL SERVER.

The project is developed using Relational Database Management System (RDBMS) as SQL-
Server and follow multi-tier architecture. A database system is essentially a sophisticated,
computerized record keeping system, a repository for a collection of computerized data files. A
database system maintains information and makes that information available on demand, for
this purpose a database system provides set of facilities to perform such operations.

The need of today’s software development is competence in a GUI based front-end tool, which
can connect to Relational Database engines. This gives the programmer the opportunity to
develop client server based commercial applications.

These applications give users the power and ease of a GUI with the multi user capabilities of
Novell, UNIX or WinNT based RDBMS engines such as SQL SERVER.

All the important coding techniques used by programmers, in OOPS based coding is brought out
in full and in great detail.

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 5. SYSTEM STUDY & ANALYSIS

PRINCIPLES OF SYSTEM ANALYSIS

1. Understand the problem before you begin to create the analysis model.

2. Develop prototypes that enable a user to understand how human machine interaction will

occur.

3. Record the origin of and the reason for every requirement.

4. Use multiple views of requirements like building data, function and behavioral models.

5. Work to eliminate ambiguity.

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 ENTITY RELATIONSHIP DIAGRAM (ERD)

Entity – Relationship Diagram: This depicts relationship between data objects. The attribute of each
data objects noted in the entity- relationship diagram can be described using a data object description.
Data flow diagram serves two purposes:

1. To provide an indication of how data are transformed as they move through the system.
2. To depict the functions that transformation the data flow.

Data Objects: A data object is a representation of almost any composite information that must be
understood by the software. By composite information, we mean something that has a number of different
properties or attributes. A data object encapsulates data only there is no reference within a data
object to operations that act on the data.

Attributes: Attributes define the properties of a data object and take on one of three different
characteristics. They can be used to:
Name an instance of data object.
Describe the instance.
Make reference to another instance in other table.

Relationships: Data objects are connected to one another in a variety of different ways. We can
define a set of object relationship pairs that define the relevant relationships.

 CARDINALITY AND MODALITY:

 Cardinality:
The data model must be capable of representing the number of occurrences of objects in a
given relationship. The cardinality of an object relationship pair is

 One-T0-One (1:1): An occurrence of object ‘A’ can relate to one and only
one occurrence of object ‘B’ and vice versa.

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  One-To-Many (1:N): One occurrence of object ‘A’ can relate to one or may
occurrences of object ‘B’ but an occurrence of object ‘B’ can relate to only
one occurrence of object ‘A’.
 Many-To-Many (M: N): An occurrences of ‘B’ and an occurrence of ‘B’ can
relate to one or many occurrence of ‘A’.

 Modality:
The modality of a relationship is zero if there is no explicit need for the relationship to occur
or the relationship is optional. The Modality is one if the occurrence of the relationship is
mandatory.

The object relationship pair can be represented graphically using the Entity Relationship
Diagrams. A set of primary components are identified for the Entity Relationship Diagram.

1. Attributes,
2. Relationships and
3. Various Type Indicators.
The primary purpose of the Entity Relationship Diagram is to represent data objects and their
relationships.

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 CLASS DIAGRAM

Login

Admin Simple User

New Account Credit

Debit
Dedit

Credit
Make a Transaction

View all Transaction

View Statement

Delete/ Close
Account Loan Application

Cheque Book

Logout

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ER-DIAGRAM

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 DATA MODELING

Data modeling defines primary data objects, composition of each data object, and attributes of
the object, relationships between each object and other objects and between objects and the
processes.

List of Tables:

Home Loan Table: To details of the home loan applications

Field Name Data Type Constraints Description

Request_ID Primary key Char (30) Request ID

City Not Null Char (30) City in which

property is based

Purpose Not Null Char (30) Purpose of loan

Current_Address Not Null Char (30) Where do you live

current by

Date_of_birth Not Null Date Date of Birth

Type_of_job Not Null Char (30) Type of

Employements

Status Not Null Char (30) Status of Approval

Date_of_req Not Null Char (30) Date of Request

Car_Loan Table: To store details of car loan Applications.

Field Name Data Type Constraints Description

Request_id Primary key Char (30) Request ID

City Not Null Char (30) City in which you

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 live current by

Residence_type Not Null Char (30) Residence type

Time_of_residence Not Null Number When did you move

to current residence

Date_of_birth Not Null Date Date of Birth

Make_of_car Not Null Char (100) Make & Model of

car

Ex_showroom_price Not Null Number Show price of car

Type_of_emp Not Null Char (50) Type of

employment

Status Not Null Char (50) Status of Approval

Date_of_req Not Null Date Date of Loan

application

Personal Loan: To store detailing Personal Loan applications

Field Name Data Type Constraints Description

Request_id Primary key Char (30) Request ID

Current_adds Not Null Char (30) Current Address

Resi_type Not Null Char (30) Residence Type

Time_of_res Not Null Char (30) Period from which

you living

Date_of_birth Date Char (30) Date of Birth

Type_of_emp Not Null Char (30) Type of

Employment

Status Not Null Char (30) Status

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 Date_of_req Not Null Char (30) Date of Loan

Login: Login details for the online banking.

Field Name Data Type Constraints Description

User_id Primary key Numeric User ID

Password Not Null Numeric Pin No given by

bank

Last_visited Not Null Date time Users for banking

Customer_Registration: To details of the users for online banking.

Field Name Data Type Constraints Description

User id Primary key Numeric User ID

Password Not Null Numeric Pin No given by

bank

First Name Not Null Numeric First Name

Address Not Null Numeric Address

City Not Null Numeric City in which you

live current by

State Not Null Numeric State

Country Not Null Numeric Country

Phone_No Not Null Numeric Contact No

Account_No Not Null Char (100) Account No

Branch_Name Not Null Numeric Branch Name

Branch_address Not Null Numeric Branch Address

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 Branch_id Not Null Numeric Branch ID

Contact_No Not Null Numeric Contact No

Fund Tranfer:

Field Name Data Type Constraints Description

Transaction_id Char(30) Primary key Transaction id

Type_of_account Char (30) Not Null Tranfer fund to

account(oen, other,
non-ICICI)

Transfer_amount Numeric Not Null Amount to be

transfer

Transaction_remark Char (100) Not Null Remark about

transfer

Balance Numeric Not Null Balance left

Date_of_trans Date/Time Not Null Date of

Transaction

Account Table: To store details of the account.

Field Name Data Type Constraints Description

A/C_Number Numeric Not Null Account Number

Cust_Name Char (100) Not Null Account holder

Name

Currency Char (30) Not Null Currency

Branch Char (100) Not Null Bank & Branch

details

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 Total_bal Numeric Not Null Total available
Balance

Status_as_of Char(100) Not Null Status as of on late

Type_of_account Numeric Not Null Type of account

Checkbook_Request Table:

Field Name Data Type Constraints Description

Account number Numeric Not null Account Number

Acc_holder_name Char (100) Not null Account Holder

Name

Date_of_reg Date Not null Date of request

No_of_cheques Numeric Not null Number of

Cheques required

Check book _Issue Table:

Field Name Data Type Constraints Description

Account_Number Numeric Not Null Account Number

Date_of_issue Char (100) Not Null Date of issue

Checkbook_Number Date Not Null Check book

Number

Feedback Table:

Field Name Data Type Constraints Description

Name Char(30) Not Null Name

Contact_No Numeric Not Null Phone No

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 Email Char (30) Not Null E-mail ID

Comment Char (100) Not Null Comment

Branch_table:

Field Name Data Type Constraints Description

Branch_id Primary key Char (30) Branch ID

Branch_name Not Null Char (30) Branch Name

Branch_city Not Null Char(30) City

Address Not Null Char (100) Address

Email-id Not Null Char (100) Email ID

Contact_no Not Null Numeric Contact NO

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 Context Level DFD
E- BANKING SYSTEM

Cheque Book FeedBacks

Issue
Make a Transaction

IT Manager Get Statement Account Holder

eck
Ch ance
Bal

Management Transfer of funds

E- BANKING
SYSTEM
Reply Order of
Loan Requests Cheque Book

Reply Apply
Feedbacks for loan

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 Ist level DFD for E- BANKING SYSTEM

Reenter Account No and

PIN

Customer Account_ Verify D1 Registration

No LOGIN Customer

After Select
Login Loan If Non
Type Create
Give
Account
Your
Details
Existing
LOAN
Customer
APPLICA
TION After If Registered
Fund Login
Transfer LOAN Payment D2 Cheque Book
Request
Details
Apply
Apply For
Payments Cheque
Book Requests
D3 LOAN

Cash
Receipts
Amount, Entry
Type of
Bank
Transfer
Deposit Accounting

Get BANK
E-Statement

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 IInd Level DFD for Transaction

Account No.
Customer
Login Verify Registratio
Pin D1
Customer n

Amount Re enter
Type of
Account No and
Transaction
Pin
After If Invalid
Login

Get Mail Make a

Transactio
or sms after each n D 2 Account
transaction Table

Apply for
E-
Statement

Account_No.
Get Duration
E – Statement in
the form of Mail,
Print

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 IInd Level DFD for Loan Application

Customer Apply for

Account No.
Pin Loan

Give Personal
Residence Details

Loan
Select Type
Application
of Loan

Applicant D 1 Loan Application

Details
Verify
Customer
Get Loan
After Approved by the Bank
bank

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 6. MODULARIZTION

Project Plan, Design & Approach

The proposed project will have its main page and will be mainly divided into partially dependent
and partially independent modules as:
1. LOGIN MODULE

2. MY ACCOUNT DETAILS

3. E-STATEMENT

4. TRANSFER FUNDS

5. SEARCH MASTER

6. APPLY LOAN MASTER

a. CAR LOAN

b. PERSONAL LOAN

c. HOME LOAN

7. FEEDBACKS

8. STATUS OF LOAN

9. VALIDATION HANDLER

10. CHEQUE BOOK MASTER

**These modules are described below**

1. LOGIN MODULE

Login master is the module which checks for a valid customer when the user
enters his user id, password, and link to the correct page or denies and link to the registration
page. It is divided in to following functions.
A. USERID CHECKER

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 As user id rules the system so a person is known by his uniqueness of his user id. As it is to
provide the viable candidate system .so the user id is being validated with password in
different cases to validate the genuineness of the candidate.

B. THE LOGIN STATUS MANAGER.

This module keeps the status of the user when logged in and for which
purpose and for how much time. As it is an integral part for a paid site to
track the user login status if user not logon for certain period of time then
their account will be in suspended mode or expires.

2. CUSTOMER MASTER

The customers having account in the bank can apply for online banking. He should be registered
for online banking after getting user id and pin number. This module deals with the different
state of registration as:
a). Customer building form will be displayed in this module.
b). Clint side validations being handled by validation master
c). Unique customer id checker (checks that the user id being entered by the candidate is unique
or not.
d). Auto user id generator generates auto user id in user id field by taking the email id of the user
if it is unique or suggest by combining it with some number.
e). All data about any new customers of site will be stored in database.

3. FUND TRANSFER MODULE

Fund transfer module deals with the transfer of funds. Funds can be transferred to your own
Bank Account across India.
Customer can transfer funds immediately between his linked bank accounts.

Other Bank Account across India .

This facility enables the Customer to transfer funds instantaneously to any Bank Account across
India after.

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Non Bank Account using NEFT/RTGS/IMPS-IFSC across
Customer can transfer funds to any non-Bank Account across India after confirmation of his
payee.

4. E-STATEMENT MODULE

E-Statement module is related to mini statements. Users can get printouts or reports of their bank
account. After login, users have to select his account number and duration for the statement.

5. SEARCH MODULE

The main objective of this module is to search the specific details in the project for the customers
and administrator of the bank can get their information, through mail on their e-mail address
from the database. The project sends the information to their users according to their
requirements.

6. Report Generation Module

This module specially used by the customer or management of the bank. The main objective of
this module is to give the interface to the management of the Bank, so they can manage whole
System. They can view different types of reports like customers details, cheque book requests,
cheque book issue details etc. In other word we can say that this module is the main module of
the site and with the help of this module management is able to manage the Bank.

7. APPLY LOAN MASTER

In this module users can apply for loans.

CAR LOAN: An existing customer can enjoy the benefit of reduced documentation for Car
Loan.

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PERSONAL LOAN: An existing customer can enjoy the benefit of reduced documentation for
personal Loan.

HOME LOAN: An existing customer can enjoy the benefit of reduced documentation for Home
Loan.
8. FEEDBACKS

Through this module Customers can give their suggestions. The can give:
 Name
 Contact No.
 Email Id
 Comment

9. STATUS OF LOAN

Management studies the Loan request submitted by the customers. In this module their requests
are verified and responded to the customer.

10. CHEQUE BOOK MASTER

In this module customers can request for new Cheque books and request details are then verified
by the management. After verification, cheque books are issued to the customers.

11: SEARCH MASTER

Search module is an important module in any web site. With the help of this module visitor can

search their requirements. An enhanced search tool is made to search data according to different

criteria.

12: VALIDATION HANDLER

Validation handler module works with the validations given within the complete running
program. This module basically deals with the validation of different entries done during resume
building process. This module deals with the discrepancies such as incorrect e-mail, date of birth,

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address, phone number, amount mode, Cheque number, bank name, credit card number etc in the
profile making process and payment process. This module specially integrated with the different
pages and forms checks all the given description given in the form by the user to make the
system robust, reliable and error free. To finally deal with the any wrong entries being done by
the user it validates as well as suggests for correct input.

13: RESPONSE MASTER

Customer Support
 Follow-up calls wherever needed
 Diverting cases to concern departments/divisions
The administrators use the response master specially. Basically the use of this module is to help
the administrator to response any customer according to his request. If the administrator find any
suitable solution, they can response to any customer and also can contact those person through
this response master.

Report Generation

The reports generated by the administrator are

 Users Details
 Customers Details
 Details of the Cheque Books issued to the customers.
 Fund Transfer Details
 Mini Statements.
 Transaction Details

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 7. TOOLS / PLATFORM, HARDWARE AND SOFTWARE
REQUIREMENT SPECIFICATION

HARDWARE

Processor : Intel Core i7-9750H 2.6 GHz Coffee Lake Processor

Memory : 8GB DDR4 2666MHz RAM (Upgradable)

Cache Memory : 128 KB or above

Printer : Laser Printer

Pen Drive : 5 GB

SOFTWARE

Operating System : Windows 8 (Professional).

Font-End Tool : ASP.NET with VB.Net

Back-End : SQL Server 2010

FRONT END

ASP.NET with C# will be used for creating the user interface and designing of forms and
reports. That is ASP.NET will be used as front end of the project

BACK END
SQL SERVER

Microsoft SQL Server is an application used to create computer databases for the Microsoft
Windows family of server operating systems. It provides an environment used to generate
databases that can be accessed from workstations, the web, or other media such as a personal
digital assistant (PDA). Microsoft SQL Server is probably the most accessible and the most

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documented enterprise database environment right now. This also means that you can learn it a
little quicker than most other database environments on the market.

 The project is based on multi-tier architecture where the application is divided into
three logical constituents-

1. User Services – Provide services such as user interface. (VB application in this case).
2. Customer Business services – Implement business rules as per the requirement of the
customer query
3. Data Services – Provide handling and validation of data. (SQL-SERVER in this
case). Example case number, customer organization number, core team specialty
code, engineer code and alias etc.

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 8. SECURITY AND VALIDATION CHECKS
Nowadays a large number of fraudulent websites are coming up which aim to trick persons
into disclosing their sensitive personal information

Viruses and Worms –Trojan Horse Program

Fake Emails- This method is also known as Phishing. In the field of computer security,
phishing is the criminally fraudulent process of attempting to acquire sensitive information
such as usernames, passwords and credit card details by masquerading as trust wort Thereby
Disclosing the customer’s ATM card numbers and their These Emails Guide customers and
make them enter the fraud links. Customers verify the personal information. Emails are
send by Fraudulent bank.hy entity in an electronic communication passwords

Hackers Pharming is a hackers attack aiming to redirect websites traffic to another, bogus
website. In recent years both pharming and phishing have been used for online identity theft
information. Pharming has become of major concern to businesses hosting ecommerce and
online banking websites. Sophisticated measures known as anti-pharming are required to
protect against this serious threat. Antivirus software and spyware removal software cannot
protect against pharming.

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 9. CONCLUSION

Internet banking is changing the banking industry and is having the Conclusion. The net banking,
thus, "now is more of a norm rather than exception major effects on banking relationships. In
many developed countries" due to the fact that it is the economical Banking is now no longer
confined to the traditional brick and mortarway of providing banking services, branches, where
one has to be at the branch in person, to withdraw Providing internet banking is increasingly
becoming a need to havecash or deposit a cheque or request a statement of accounts than a nice
to have services.

This project is designed to meet the requirements of the Internet Banking System. It will be
developed in ASP.Net, keeping in mind the specifications of the system.

For designing the system we have used simple data flow diagrams.

Overall the project teaches us the essential skills like:

 Using system analysis and design techniques like data flow diagram in designing the system.

 Understanding the database handling and query.

10. BIBLIOGRAPHY

Software engineering -Pressman.

Relational Database Management System --B.C. Desai.

Microsoft SQL Server --Black Book

Mastering Visual Basic. --Evan. Petroutsos

ASP.NET -- Rita Sahu

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