E-banking

ABSTRACT

E- Banking refers to systems that enable bank customers to access accounts and general

information on bank products and services through a personal computer or other intelligent

device.

Internet banking products and services can include detailed account information for

corporate customers as well as account summery and transfer money. Ultimately, the products

and services obtained through Internet Banking may mirror products and services offered

through other bank delivery channel.

The project gives real life understanding of Internet banking and activities performed by

various roles in the supply chain. Here, we provide an automation for banking system through

Internet. Internet banking system project captures activities performed by different roles in real

life banking which provides enhanced techniques for maintaining the required information up-

to-date, which results in efficiency. The project gives real life understanding of Internet

banking and activities performed by various roles in the supply chain. The meaning of Internet

markets or online business has been widely used in these days. The success of the business

depends on its flexibility, availability and security. Since that the web-based systems should

have a special way to design the system and implement it. Nowadays, the Internet Banking

System widely used and the banks looking to provide the best quality system with highly

available,fast response, secure and safe to use.

PAGE INDEX

Candidate Declaration ………………………………………………………….. I

Certificate………………………………………………………………………… II

Acknowledgement …………………………………………………………..…… III

List of Figures ………………………………………………………………….… IV

List of Tables ………………………………………………………………….….. V

Table of Content……………………………………………...…………………… VI

1. Introduction……………………………..............................................…... 1

1.1 Problem Description..................................................……………. 2

1.2 Problem Solution...……….....................................................…… 2

1.3 Need and Scope …....... .........................................………………. 2

1.4 Plateform Specification......................................................……….. 2

1.4.1 Hardware Specification...................................................... 2

1.4.1 Software Specification........................................................ 2

2. Feasibility…................…….......................................……………………....... 7

3.1 Technical Feasibility….........................................................……....... 8

3.2 Economical Feasibility….....................................................……........ 8

3.2 Operational Feasibility…......................................................……........ 8

3. Software Engineering Approach.………..............................................…... 1

3.1 Software Model Used ....................................................……………. 2

3.1.1 Description............................................................................ 2

3.1.2 Reason for Use.................................................................... 2

3.2 Planning managerial issus….......................................................…… 2

3.2.1 Planning scoped Project resources........................................ 2

3.2.2 Team organization.................................................................. 2

3.2.3 Project Scheduling.................................................................. 2

3.2.4 Cost Estimation....................................................................... 2

3.3 Requirement..................................................................................…… 2

3.3.1 Functional requirement............................................................ 2

3.3.2 Non-functional requirement..................................................... 2

4. Designs.................................................................................................................. 2

4.1 Use Case Diagram................................................................................... 2

4.2 Data flow diagram................................................................................... 2

4.3 Data Dictionary........................................................................................ 2

4.4 E-R Diagram............................................................................................ 2

4.5 Class Diagram.......................................................................................... 2

4.6 Sequence diagram.................................................................................... 2

4.7 Activity Diagram....................................................................................... 2

5. Implementation Phase....................................................................................... 2

5.1 Language used & its Characteristics...................................................... 2

5.2 GUI (Snapshot)........................................................................................ 2

6. Testing................................................................................................................. 2

6.1 Testing Method & Strategies of used..................................................... 2

6.2 Test Case................................................................................................. 2

7. Conclusions......................................................................................................... 2

8. Limitation & Fure Enhancement..................................................................... 2

9. Bibliographand references................................................................................ 2

9.1 Reference books..................................................................................... 2

9.2 Other documentation and resources........................................................ 2

CHAPTER 1

INTRODUCTION

1.1Problem Description Our main aim to make a accounting and insurance system which handles

the record of every customer (i.e. account summary, transaction, insurance etc. ) and function

of software is to manage the whole detail (i.e. account summary, transaction, insurance etc. ) of

a customer on the internet or local intranet directly submitted to the Admin.

1.2 Problem Solution The customer can put there details which will be submitted to the admin

officer and can get the required details of the particular customer and other detail by sitting at

home so this will help in maintain records and sending information very fast and easy. Hence

an overall grade is generated for customer.

1.3 Need and Scope This application simply generates the list of the customer according to

the account number. Also this application can have some co applications running on the client

side that made the final updating to the main website at the server end. This process can be

triggered on a particular event defined custom.

The future use for this project will put a new thing in the mind for use in a large scale. It can be

also in various industries for grading their products. This is a simple application with larger

extensible and convenient uses.

1.4 Platform specification1.4.1 Hardware Specification

For Client Side

Description Minimal Recommended

1. Processor 550 MHz 2GHz 32-bit processor or higher

2. Hard Disk 10 GB 40 GB or More

3. RAM 256 MB 1 GB or more

For Server Side

Description Minimal Recommended

1. Processor 800 MHz 2GHz 32-bit processor or higher

2. Hard Disk 40 GB 80 GB or More

3. RAM 512 MB 2 GB or more

1.4.2 Software specification

For Client Side

Particulars Description Requirements

1. Operating System Windows 98 or Above

2. Browser Internet Explorer 7.0 or Above

For Server Side

Particulars Description Requirements

1. Operating System Windows 98 or Above

2. Database Microsoft SQL server 2005

3. Browser Internet Explorer 7.0 or Above

4. Technology ASP. Net 2008

1.5 Importance of project

CHAPTER 2

Feasibility

Feasibility Study A feasibility study is a study made to decide whether or not the proposed system

is worthwhile. The implementation of feasibility study is based on the information assessment

(what is required), information collection and report writing.

Feasibility study should be done with the help of project managers who is going

to handle that particular project, software engineers who are about to develop that system,

technical experts and customers who will be using the system. Typically the feasibility study

should be completed within two or three weeks.

Types of Feasibility

2.1. Technical Feasibility• Technical feasibility around existing computer system and to what it can

support proposed addition.

• Our project is technically feasible as it is coded in ASP. Net.

• Database Microsoft SQL Server 2005 which is easy to use and highly secure.

• All the Codes and Modules can be easily implemented.

• Database Connectivity is also highly feasible and quickly operable.

2.2. Economical Feasibility

• Economic analysis is the most frequently used method for evaluating the

effectives of a candidate system.

• Language used is easily available.

• More commonly known as cost benefit and savings that are expected for

candidate system and then compare them with cost.

• Browsers come inbuilt with Operating System it adds to feasibility.

2.3. Operational Feasibility

Operational feasibility is mainly concerned with issues like whether the system will be used if

it is developed and implemented. Whether there will be resistance from users that will effect

the possible application benefits? The essential questions that help in testing the operational

feasibility of a system are following.

Does management support the project?

Are the users not happy with current business practices? Will it reduce the time

(operation) considerably? If yes, then they will welcome the change and the new

system.

Have the users been involved in the planning and development of the project? Early

involvement reduces the probability of resistance towards the new system.

Will the proposed system really benefit the organization? Does the overall response increase?

Will accessibility of information be lost? Will the system effect the customers in considerable

way?

CHAPTER 3

Software Engineering Approach

1.2. Software Model Used

A Process is a set of partially ordered steps intended to reach a goal. In software

engineering, goal is to efficiently and predictably deliver a software product that meets the

needs of business.

UML is largely process-independent; meaning that you can use it with a number of

software engineering processes. The Rational Unified Process is one such life cycle approach

that is especially well suited to the UML.

For design, I used RUP for following reasons:

Architectural centric

Employee industry standard language UML: To visualize modeling and synthesis

architecture and component.

It is use case driven.

Incremental Model

Incremental model combines elements of the linear sequential model with the

iterative philosophy of prototyping. The incremental model applies linear sequences in a

staggered fashion as calendar time progresses. Each linear sequence produces a deliverable

increment of the software.

In our project we intend to use this Linear Sequential Model (Waterfall Model)

because our project Task modules are dependent closely on each other. Therefore if we try our

hands on a Concurrent Model then the complexity in its implementation could make the

conditions worse.

We require completing one task at a time so as to pave the way for other task to

begin. Such high degree of dependency makes the condition ideal for using the Incremental

Model. Implementing this model in this project heightens the efficiency of the system and yet

maintains the complexity under control.

Fig 4.1.1 Showing the Incremental Model

Advantages and Disadvantages:

ADVANTAGES

1. Early increments can be developed with few people.

2. Increments can be planned to manage technical risks.

3. Deadlines can be managed in an effective manner.

DISADVANTAGES

1. Reusability of codes among the modules is minimum.

2. .Integration testing is difficult to do.

3.1.2 Reasons for Use:

The project can be created through a series of delivery steps with

each delivery steps adding a new feature to the existing product. Thus the process model

suited to the project is Incremental Model. It combines elements of the Linear Sequential

model with the interactive philosophy of prototyping.

Our project demanded to be on time so this model helped us in the right

way. Such an approach does not call for many people working on the initial increments so it

served us right. And such increments were very well planned with minimized set of technical

risks coming our way.

3.2. Planning managerial issues

3.2.1 Planning scope and Project resources

Online Bank offers a bunch of products and services to meet the every

need of the people. The company cares for both, individuals as well as corporate and small and

medium enterprises. For individuals, the company has a range accounts, investment, and

pension scheme, different types of loans and cards that assist the customers. The customers can

choose the suitable one from arrange of products which will suit their life-stage and needs. For

organizations the company has ahost of customized solutions that range from funded services,

Non-funded services, Value addition services, Mutual fund etc. These affordable plans apart

from providing long term value to the employees help in enhancing goodwill of the company.

The products of the company are categorized into various sections which are as follows:

• Accounts and deposits.

• Loans.

• Investments and Insurance.

• Forex and payment services.

• Customer center.

A project management program should manage and control the limited resources

needed to run a project, such as people, money, time and equipment. When working with any

project, the hardest part can be making sure that you don't overbook any of your team members

or resources, so having a scheduling assistant makes your job a whole lot easier.

Project management services manage all resources – people, talents, money and

time. Sometimes it’s difficult to keep track of who is on your team and what skills they have.

Effective resource management lets you build member profiles so you can assign the right task

to the right person to get the job done.

3.2.2 Team organization

The best team structure depends on the management style of an organization, the

number of people who will populate the team and their skill levels and the overall problem

difficulty. Three generic team organizations are proposed by menteioned-

1. Democratic decentralized (DD).

2. Controlled decentralized (CD).

3. Controlled centralized (CC).

We have Democratic decentralized team structure as

Our team has no permanent leader.

Tasks are coordinated for short durations and may be replaced by others.

Decisions on problem and approach are made by group consensus i.e., we

together try and solve the problems.

We have Horizontal communication among us.

2.2.3 Project Scheduling

Project scheduling is the process of putting together a time line for all the

activities in the project. This involves examining the interdependencies of all of the activities,

and coordinating all the tasks to ensure a smooth transition from the beginning to the end of the

project. There are many different methods of scheduling, which can address the requirements

of the type of project resulting in different pictorial representations of the schedules.

2.2.4 Cost Estimation

4.2. Requirement

3.3.1 Functional requirement

Functional requirement such as what will the system do, when will the

system do it, are there several modes of operation, how and when the system can be changed,

are there constraints for speed, response time are required.

The project is an application for providing PC connectivity with a mobile

phone. The users will input the data to the system in the text area provided.

Although the performance of the system is enhanced by the use of better

hardware, even with the minimum hardware requirement present, the system can correctly

transmit and receive data.

3.3.2 Non-functional requirement

Non-functional requirements are requirements that are not directly

concerned with the specific functions delivered by the system. They may relate to emergent

System properties such as reliability, response time and Store occupancy. They may specify

system performance, Security, availability, and other emergent properties. This means that they

are often more critical than individual functional requirements. System users can usually find

ways to work around a system function that doesn’t really meet their needs. However, failing to

meet a nonfunctional requirement can mean that the whole system is unusable. Non-functional

requirements needed in this internet banking system are identified as performance

requirements, safety requirements, security requirements and software quality attributes.

CHAPTER 4

DESIGNS

4.1 Use case diagram

4.2 Data flow diagram

4.3 Data Dictionary

4.4 E-R Diagram

4.5 Class Diagram

4.6 Sequence diagram

4.7 Activity Diagram

CHAPTER 5

IMPLEMENTATION PHASE

5.1 Language used & its Characteristics

5.2 GUI (Snapshot)

CHAPTER 6

TESTING

6.1 Testing Method & Strategies of used

6.2 Test Case

CHAPTER 6

CONCLUSIONS

Conclusion

The internet banking system is aiming to provide users with the easiest way to

access to their bank account and do some banking transactions anytime at anywhere without the

need to go to the bank.

In the end we would like to say that we have tried our level best to develop a

solution mentioned to the problems above. Our project will help the entire customer to put their

records directly to the admin by sitting at their home quickly and efficiently.

The list of the customer will be displayed on the site according to the account

number. We would also like to monitor the various drawbacks of our software and would like

to correct them if possible.

CHAPTER 7

LIMITATION & FUTURE

ENHANCEMENT

Limitation

Future Enhancement

Our project is a module of the E-banking and insurance system so can be

developed to act as a bank system.

As now our project deals with accounting and insurance process of any bank, in

future it can be extended to be served for bank.

CHAPTER 8

BIBLIOGRAPHY

&

REFERENCES

Bibliography & ReferencesBook Referred

1. Visual Basic.net-2004 - Black book

2. Visual Basic.net Edition-2004 - Stephen Walther

3. Data base access with VB.net Edition- - Jackie Goldstein

4. Data base system concept Edition-V 2003 - Henry Siller

5. MS Office 2000 Edition – III 2003 - Ginni Corter

6. FCI Rule and regulation book - Study Material

9.2. Other documentation and resources-

Web Sites

1. http://www.vb.net/ For VB.NET

2. http://www.microsoft.com/ For MS Access

3. http://www.crystalreports.net/ For Crystal Report

4. http://www.fci.net/ For FCI Information

CHAPTER 9

Glossary

Access Products - products that allow consumers to access traditional payment

Instruments electronically, generally from remote locations.

American National Standards Institute (ANSI) - a standard-setting organization; it

is the U.S. representative to the International Standards Organization (ISO).

American Standard Code for Information Interchange (ASCII) - a standard code

for representing characters and numbers that is used on most microcomputers,

computer terminals, and printers.

Biometrics - a method of verifying an individual’s identity by analyzing a unique

physical attribute.

Browser - a computer program that enables the user to retrieve information that has

been made publicly available on the Internet; also permits multimedia (graphics)

applications on the World Wide Web.

Chip - an electronic device consisting of circuit elements on a single silicon chip. The

most complex circuits are microprocessors, which are single chips that contain the

Database Administrator (DBA) - the individual with authority to control the data

base management system.

Data Encryption Standard (DES) - U.S. government standard for data encryption

method published by the National Institute of Standards and Technology for the

encryption of sensitive U.S. government data which does not fall under the category of

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End-to-end Encryption - the protection of information passed in a

telecommunications system by cryptographic means, from point of origin to point of

destination.

Ethernet - a type of local area network originally developed by Xerox, communication

takes place by means of radio frequency signals carried over coaxial cable.

File Transfer Protocol (FTP) - a standard way of transferring files from one computer

to another on the Internet.

Firewall - a system or combination of hardware and software solutions that enforces a

boundary between two or more networks.

Flowchart - a programming tool to graphically present a procedure by using symbols

to designate the logic of how a problem is solved.

Home Banking - banking services that allow a customer to interact with a financial

institution from a remote location by using a telephone, television set, terminal,

personal computer, or other device to access a telecommunication system which links

to the institution’s computer center.

Home Page - a screen of information made available to users through the Internet or a

private intranet; it is the “main page” that users are expected to read first in order to

access the other pages that comprise the web site.

Host - also known as a host computer that is the primary or controlling computer in a

computer network, generally involving data communications or a local area network.

124

Hypertext - electronic documents that present information that can be connected

together in many different ways, instead of sequentially.

Hypertext Markup Language (HTML) - a set of codes that can be inserted into text

files to indicate special typefaces, inserted images, and links to other hypertext

documents.

Hypertext Transfer Protocol (HTTP) - a standard method of publishing information

as hypertext in HTML format on the Internet.

International Organization for Standardization/Open Systems Interconnection

(ISO/OSI) – an international standard-setting organization. ANSI is the U.S.

representative.

Internet - a worldwide network of computer networks (commonly referred to as the

Information Superhighway).

Internet Service Provider (ISP) - an entity that provides access to the Internet and

Structured Query Language (SQL) - a query language used to manipulate large

databases.

System Integrity - the quality that a system has when it performs its intended function

in an unimpaired manner, free from deliberate or inadvertent manipulation of the

system.

System Specification - a baseline specification containing all the essential computerbased

business system documentation. It is completed at the end of the Development

Phase.

Systemic Risk - the risk that the failure of one participant in a funds transfer system, or

in financial markets generally, to meet its required obligations will cause other

participants or financial institutions to be unable to meet their obligations when due.

Systems Analysis - the performance, management, and documentation of the four

phases of the life cycle of a business system: study, design, development, and operation.

Telnet - a protocol that permits users to access a remote terminal or another computer

through a network; widely used on the Internet.

Uniform Resource Locator or Universal Resource Locator (URL) - a way of

specifying the location of available information on the Internet.

Upload - to transmit a file to a central computer from a smaller computer or a remote

location.

Virus - a program with the ability to reproduce by modifying other programs to include

a copy of itself. It may contain destructive code that can move into multiple programs,

data files, or devices on a system and spread through multiple systems in a network.

Vulnerability - a weakness in system security procedures, system design,

implementation, internal controls, etc., that could be exploited to violate system

security.

Web Page - a screen of information supporting the home page of a web site.

Web Site - the collection of an entity’s home page and other proprietary pages located

on the World Wide Web.

Wide Area Network (WAN) - a communications network that covers a wide

geographic area, such as state or country, using high speed long distance lines or

satellites provided by a common carrier.

World Wide Web (web, www) - a sub network of the Internet through which

information is exchanged via text, graphics, audio, and video.