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Introduction
This document gives detailed functional and
nonfunctional requirements for the bank management
system. This product will support online banking
transaction. The purpose of this document is that the
requirements mentioned in it should be utilized by
software developer to implement the system.

Modern societies are technology driven thus

changing their characteristics at an accelerating rate.
One of the current developments in the information
sector that will greatly affect business (improve business
and society) is greatly increased computer literacy of
leaders and general population which will make
computerization transition seamless. That is, the use of
computer in any process has been applied in virtually all
spheres of human Endeavour. It has equally found wide
application in both the private and the public sectors of
the economy.

In fact, no meaningful society today can exist and

function efficiently without an element of computerization
in the processing system. It was based on the above point
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and advantages inherent in computerization that the

researcher decides to embark on the study.

1.1) Purpose :Online banking system provides is specifically

developed for internet banking for Balance Enquiry, Funds
Transfer to another account in the same bank, Request
for cheque book/change of address/stop payment of
cheques, Mini statements (Viewing Monthly and annual
statements).

The Traditional way of maintaining details of a user in

a bank was to enter the details and record them. Every
time the user need to perform some transactions he has
to go to bank and perform the necessary actions, which
may not be so feasible all the time. It may be a hardhitting task for the users and the bankers too. 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
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maintaining the required in- formation 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.

1.2) Scope :

Customer must have a valid User Id and password to

login to the system.

If a wrong password is given thrice in succession, that

account will be locked and the customer will not be able
to use it. When an invalid password is entered a warning
is given to the user that his account is going to get
locked.

After the valid user logs in he is shown the list of

accounts he has with the bank.

On selecting the desired account he is taken to a page

which shows the present balance in that particular
account number.

User can request details of the last n number of

transactions he has performed.

User can make a funds transfer to another account in

the same bank. User is provided with a transaction
password which is different from the login password.

User can transfer funds from his account to any other

account with this bank. If the transaction is successful a
notification should appear to the customer, in case it is
unsuccessful, a proper message should be given to the
customer as to why it failed.

User can request for cheque

address/stop payment of cheques.

book/change

of

User can view his monthly as well as annual

statements.

1.3)

Overview :-

The system provides easy solution to banks.

 Overview :
namely.

The SRS will include two sections,

Overall Description : This section will describe

major components of the system, interconnections,
and external interfaces.

Specific Requirements :
This section
will
describe the functions of actors, their roles in the
system and the constraints faced by sys- tem.

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General description

2.1) Product Perspective :The client will have client interface in which he can
interact with the banking sys- tem. It is a web based
interface which will be the web page of the banking
application. Starting a page is displayed asking the
type of customer he is whether ordinary or a
corporate customer. Then the page is redirected to login
page where the user can enter the login details. If the
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login particulars are valid then the user is taken to a

home page where he has the entire transaction list that
he can perform with the bank. All the above activities
come under the client interface.

The administrator will have an administrative

in- terface which is a GUI so that he can view the entire
system. He will also have a login page where he can
enter the login particulars so that he can perform all
his actions. This administrative interface provides
different environment such that he can maintain database & provide backups for the information in the
database. He can register the users by providing them
with username, password & by creating account in the
database. He can view the cheque book request &
perform action to issue the cheque books to the clients.

2.2) Software Interface : Front End Client :

The system is a web based application clients are
requiring using modern web browser such as Mozilla
Firefox 1.5, PHP.
Web Server :
The web application will be hosted on one of the apache
server.
Back End :
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We use backend as MY SQL.

2.3) Functional Specifications :This section provides the functional overview of the
product. The project will require the PHP as a front end
and at the back end the database MYSQL will be running.
Various functional modules that can be implemented by
the product will be

Login.
Validation.
Get balance information.
Withdrawal of money.
Transfer Money.
Customer info.

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MODULAR DESCRIPTION

Functional Requirement General principles of

requirements engineering is a distinction between
requirements definitions and requirements specifications.
A software requirements definition is an abstract
description of the services which the system should
provide and the constraints under which the system must
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operate. And requirements definition is probably the most

important technique in structured analysis. It is the only
technique that permeates every step of the method. It
also is one of the least pictorial, making it difficult to
describe precisely. In essence, the technique involves
capturing what the users really want and making sure
that every subsequent project activity leads to the best
possible transformation of those user needs into system
needs which, when satisfied, will deliver what the users
wanted in the first place.

Customer : The valid customer on internet banking

has a set of requirements he/she does on internet
banking. These requirements are offered on next pointes.
Login : A customer to be able to use this system,
he/she has to enter username and password which he/she
has created before and been saved in the database in the
Login page. This function might be a customer or an
Admin also.
View Account : View Account allows to a customer to
view todays up-to the minute balance information on
deposit (saving/current), credit card, etc. The customer
can also view transaction history with retention period up
to a maximum of 90 days. Within this feature, the
customer can request for account such as view online,
by e-mail or by post option. But the customer most be
logged in the internet banking.
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 Transfer Funds : The customer must be logged into

Banking System to be able to make his/her transaction for
transfer funds. Transfer Funds allows customer to transfer
funds between authorized accounts own personal
accounts. Requested transfer take place immediately or
at a selected future date specified by customer. The
customer can save up to a maximum of 10 accounts and
update or delete the account details. All the outstanding
future transfers are recorded in a table. The customer can
enquire whether there is any funds transfer pending and.
when the customer selects the Transfer funds, the system
will display Menu to select Transfer Funds function for
transfer funds or Transfer History function for display the
transaction he/she done.
Pay Bills : The customer most be logged into Banking
System. With internet banking, customers can make
payments to corporations that include utilities,
assessments, Insurance, telecommunications, and other
services. The customers can use Online Pay Bill service to
pay bills by debiting their account. This payment made to
payee corporations that the customer has registered with
internet banking by using the Registered Bill.

Cheque : Services The customer most be logged into

Banking System.The customer may enquiries cheque
status, whether it is paid, unpaid, stopped or returned. It
also allows customer to stop cheque payment and to
request for a cheque book online.
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 Utility : The customer most be logged into Banking

System. Utility allows customer to change password and
the secure delivery contact information. Within this
feature, the customer can also change the online profile
personal information that is retained by the internet
banking system only. And the customer can cancel the
ATM facilities.

Logout : The customer most be logged into Banking

System. This function is used when a logged in user
finishes his/her job and wants to be logged out so that no
one can abuse his username. The system will state the
user has been logged out successfully.

Administrator : An administrator is that person who

makes some editing for the internet banking system like
add/cancel customer, check the transactions etc. but this
administrator must be valid user. Therefore the
administrator must have a username and password. In
the project we will not go deep in an administrator
because we will focus on the customer and his/her
requirements more than the administrator.

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Requirement analysis
4.1) User Requirements :Many of us lead busy lives. Some of us are up before
the crack of dawn, getting ourselves prepared so we can
in turn get our families ready for the day. We rush to
work, rush to get the kids to school, and at the end of the
day we rush home only to brace ourselves for the next
day. After a hectic day, the last thing you want to do is
spend time waiting in line at the bank, or even the post
office. That's where Online Banking comes in.
Online Banking with Key Bank is fast, secure, convenient
and free
There are many online banking advantages. Online
Banking allows you to bypass bank lines. You can conduct
your banking transactions safely and securely without
leaving the comfort of your home. Online Banking also
gives you around the clock access to your CD, savings, or
checking accounts. Plus, you'll have access to Online
Statements. You can monitor your transactions and make
sure that your balance information is correct. This is great
for people who like to use their debit card but don't like to
use their check register. Most Online Banking accounts
can even be synchronized with personal financial
software like Quicken.
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So, you're probably wondering how our business

banking online will cut down your trips to the post office.
Well, Online Banking makes it possible for you to pay your
bills electronically. You can schedule a single payment or
you can set up recurring payments. You can also see
when your payment will arrive. You can pay your utilities
or even a family member online. You can save time and
the money that you would spend on stamps.
Some services offer features like balance alerts.
These alerts will help you monitor your accounts and
avoid fees. You can even set up alerts to keep up on
account activity. Some standard alerts include transaction
alerts, and Bill Pay alerts.
When you need it, Online Banking can assist with
reordering checks, viewing check images, and even
scheduling transfers between Key accounts or with
accounts at other financial institutions.

4.2) Performance Requirements : Increase Customer Satisfaction Internet banking system

must allows customers to access banking services 24
hours a day, 365 days a year with minimum downtime
period for backup and maintenance.
Expand Product Offerings The new services allows bank
to capture a larger percentage of their customers asset
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base. The internet banking system will provide facilities

for bank to offer new services and products onto its
homepage.
Reduce Overall Costs It will help to reduce a banks
costs in two fundamental ways: it minimize the cost of
processing transactions and reduces the number of
branches required to service an equivalent number of
customer.

4.3) Safety Requirements :-

Backup, recovery & business continuity Banks should

ensure adequate back up of data as may be required by
their operations. Banks should also have, well Journal of
Computing, Volume 2, Issue 6, June 2010, ISSN 21519617
HTTPS://SITES.GOOGLE.COM/SITE/JOURNALOFCOMPUTING
/ WWW.JOURNALOFCOMPUTING.ORG 145 documented
and tested business continuity plans that address all
aspects of the banks business.
Both data and software should be backed up
periodically, the frequency of back up depending on the
recovery needs of the application. The back-up may be
incremental or complete. Automating the backup
procedures is preferred to obviate operator errors and
missed back-ups.
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 Recovery and business continuity measures, based on

criticality of the systems, should be in place and a
documented plan with the organization and assignment
of responsibilities of the key decision making personnel
should exist.
An off-site back up is necessary for recovery from major
failures disasters to ensure business continuity.
Depending on criticality, different technologies based on
back up, hot sites, warm sites or cold sites should be
available for business continuity. The business continuity
plan should be frequently tested.

4.4) Security Requirements :-

We understand that there is nothing more important

than knowing that transactions are private and secure.
Therefore, we have applied the very latest in technology
when creating the Internet Banking security architecture.
The best way to understand the security architecture
within the Internet Banking is to take it one step at a
time. These security features are described briefly below.
Account ID and Password (PIN) : Protection User
Account ID and Password (PIN) protection occurs at the
first level within the Internet Banking System. To access
Internet Banking, users are required to enter an Account
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ID and password. Without these, access to the Internet

Banking System is denied. Special password characters
may be imposed by the Bank to provide a greater degree
of security. The following characters may be used as
required :!@#$%^&*()_+-=[]{}|\;:, /? To further
increase the level of security, the bank may impose a
periodic change of passwords. If the Password Change
option is imposed, a warning message will be displayed
when logging-onto Internet Banking.

Auto Timeout Screen Blanking : Although we

recommend users never leave a PC unattended and
financial information displayed while logged into Internet
Banking, a built-in security feature minimizes the risk in
such a situation. Users are required to acknowledge the
message (Continue) presented in order to remain active
in the Internet Banking session. The auto timeout feature
warns users every 30 seconds prior to a pending timeout.
If allowed to timeout, the Internet Banking session is
halted and users are presented once again with the logon screen.

Sign-off Button : When an end-user is finished with

Internet Banking, they should click the Sign-off button
before going anywhere else on the Web. This ends the
Internet Banking session.

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 Failed Log-on : Attempts As an added security feature,

the Internet Banking System is denied access after a predetermined number of failed log-on attempts. If users
have been locked out due to exceeding the predetermined number of log-on attempts, the users must
contact the Bank in order to be reinitialized.

Encryption : In addition to password protection, we

ensures server authentication by using the latest
techniques of data encryption. Data encryption is a way
of translating data into a form that is unintelligible
without a deciphering mechanism.

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DATA FLOW DIAGRAM

The data flow diagram is a graphical representation

that depicts information flow and the transforms that are
applied as data moves from input to output. The DFD may
be used to represent a system or software at any level of
abstraction. In fact DFD may be partitioned into levels
that represent increasing information flow and functional
detail.

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5.1) Level 0 :-

5.2) LEVEL 1 :-

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5.3) LEVEL 2 :-

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E-R DIAGRAM:
Entity relationship diagram expresses the overall logical structure of a
database graphically. It shows the relationship between different entities.
The entities can have composite, multivolume or derived attributes.
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In software engineering, an entityrelationship model (ER

model) is a data model for describing the data or information
aspects of a business domain or its process requirements, in an
abstract way that lends itself to ultimately being implemented in a
database such as a relational database. The main components of
ER models are entities (things) and the relationships that can
exist among them.

Symbols

Meanings
Data flow
Process
Data store
Entity

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21

DECISION TABLE:
It is the precise and compact tool to construct complex conditions along
with their rules and corresponding actions. Decision table are used to
associate conditions along with their actions to perform.

CONDITIONS

RULES OF CONDITION

ACTION

OUTCOMES OF ACTION

GLOSSARY
SRS: SOFTWARE REQUIREMENT SPECIFICATIONS
ATM: AUTOMATED TELLER MACHINE
CBS: CORE BANKING SOLUTION
PIN: PERSONAL IDENTIFICATION NUMBER

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