Académique Documents
Professionnel Documents
Culture Documents
Table of Content
Introduction
Types of E-Banking
Project scope
Objectives of the proposed system
Feasibility study
Software requirement specification (SRS)
Entity Relationship Diagram
Data Flow Diagram
Database Table overview
System Specification
Pros N Cons
Conclusion
Bibliography
Securities of E-Banking
Conclusion
Bibliography
INTRODUCTION
E-banking is the wave of the future. It provides enormous benefits to
consumers in terms of ease and cost of transactions, either through Internet,
telephone or other electronic delivery. Electronic finance (Efinance) has
become one of the most essential technological changes in the financial
industry. E-finance as the provision of financial services and markets using
electronic communication and computation. In practice, e-finance includes
e-payment, e-trading, and e-banking.
According to the definitions from the Bank for International Settlement
(BIS-EBG, 2003b), e-payment creates considerable efficiencies and is
superior to traditional paper based solution. E-trading is referred to as a wide
variety of systems that provide electronic order routing, automated trade
execution, and electronic dissemination of pre-trade and post-trade
information. With the help of the e-trading systems, the transactions can be
executed at a remote server and information can be conveyed to a remote
location. And e-banking means the provision of retail and small value
banking products and services through electronic channels and large value
electronic payments and other wholesale banking services delivered
electronically. Although clients have enjoyed great convenience of ebanking and bankers have improved cost efficiency of banks (Lin and Lin,
2006, 2007), e-banking may lead to unstable financial environments. In
other words, e-banking could make the financial markets less manageable by
the regulators. Internet banking refers to the deployment over the Internet of
TYPES OF E-BANKING
The common assumption is that Internet banking is the only method of online banking. However,this is not strictly the case, as several types of service
are currently available:
PC Banking - The forerunner to Internet banking has been around
since the late 1980's and is still widely used today. Individual banks
provide software which is loaded on to an SME's office computer. The
SME can then access their bank account via a modem and telephone
link to the bank. Access is not necessarily via the Internet.
Internet Banking - Using a Web browser, a user can access their
account, once the bank's application server has validated the user's
identity.
Digital TV Banking- Using the standard digital reception equipment
(set top box and remote control), users can access their bank account.
Abbey National and HSBC services are available via Digital TV
providers. One of its main selling points is that no account details are
transmitted via the World Wide Web;
Text Phone Banking - HSBC have introduced this service to allow
customers with text phones to check their balance, pay bills and
transfer money.
PROJECT SCOPE
The projects aim is to automate the system,pre-checking the inclusion of all
required material and automatically process the transactions used in a
banking. The criterions which include over here is to creation of an account
and its all respective perspectives. The data used by the system is stored in a
database that will be the centre of all information held about the customer
and the base for the remainder of the process after initial signing up been
made. This enables things to be simplified and considerably quickened
,making the jobs of the involved people easier. It supports the current
process but centralizes it and makes it possible for decisions to be made
earlier and easier way.
The main goal of the system is to automate the process carried out in the
bank with improved performance an realize the vision of paperless banking.
some of the goals of the system are listed below: Manage large number of customer details with ease.
Manage all details of the student who are registered with the bank and send
appropriate details about latest policy of the bank to each of its customer.
Create customer account and maintain its data efficiently and effectively.
View all the details of the customer.
Create a statistical report to facilitate the finance department work.
Activities like updating, modification, deletion of records should be easier.
OBJECTIVES OF THE
PROPOSED SYSTEM
The aim of the proposed system is to address the limitations of the
current system .The requirements for the system has been gathered
from the defects recorded in the past and also based on the feedback
users of the previous metrics tools.
Manual Process
Leaves
the
bank
Customer
physically visits
the bank
Customer
makes a
counter sign
and receives
the checkbook
Customer
physically visits
the bank
5. The system at any point of time can provide the information related to the executed
transactions by the customer.
6. The system with respect to the necessities can identify all the history details of the
trial participants along with their outcome of the results.
7. The system with respect to the necessities can provide the status of research and
development process that is under schedule within the organization currently.
8. With proper storage of the data in a relational environment the system can
Applegate itself to cater to the standards of providing a clear and easy path for future
research standards that may arise due to organizational policies.
FEASIBILITY STUDY
A significant transformation in banking system has occurred in the world.
The online system of banking and improvements has been made through
recognizing difficulties encountered by the customer and the authority.
Both qualitative and quantitative research, through parent/career surveys.
Focus groups and staff training sessions have influenced the online process.
As a result this had produced an efficient and user friendly system, that
relies on an effective online form, but on the coordination between ban and
its customer.
A comprehensive feasibility study of social, economical and technical
aspects has also been made and implemented as below:-
Social Feasibility
Economic Feasibility
The project is economically Feasible since we are getting ample
economic support required for the project from banking authorities.
Technical Feasibility
Minimum requirement for execution of the project is a java
supporting operating system since the connection to the database
will be made using JSP and SERVLETS,minimum of 64 MB of
RAM, a database software, a server and a web browser with which
we were previously equipped.
System Specification
SOFTWARE SPECIFICATION
Client on Internet: Web browser(any),operating system(any)
Client on Intranet: Client software, Web Browser, Operating System
(any)
Web server: Apache Tomcat or Glassfish, Operating System(any)
Database Server: MS-access, Operating System(Microsoft
Windows<any version>)
Development End: Net beans (J2EE, Java, Servlets, JSP), MSAccess (DB tool).
HARDWARE SPECIFICATION
CLIENT SIDE :INTERNET
EXPLORER 6.0
PROCESSOR
PENTIUM II at 500
MHz
RAM
DISK SPACE
64 MB
500 MB
512 MB
1GB
512 MB
512 MB
PENTIUM III at
1GHz
PENTIUM III at
1GHz
DATABASE TABLE
OVERVIEW
The database tables which are used over here are ten in number which are
customer,administrator,account,transaction,businessloan,homeloan,
personal loan,educational loan,agricultural loan.The structures of the tables
are shown as follows:
1.customer
ATTRIBUTE NAME ATTRIBUTE TYPE
ATTRIBUTE SIZE
F_NAME
Text
50
L_NAME
Text
50
ACC_NO
Number
50
E_MAIL
Text
20
BR_NAME
Text
40
USER_ID
Text
10
PIN
Text
DOB
Text
10
2.administrator
ATTRIBUTE NAME
ATTRIBUTE TYPE
ATTRIBUTE SIZE
USER_ID
Text
20
PASS_WD
Text
10
ATTRIBUTE TYPE
Number
Text
Number
ATTRIBUTE SIZE
50
10
100
ATTRIBUTE TYPE
Number
Number
Text
Text
Text
Number
ATTRIBUTE SIZE
2.account
ATTRIBUTE NAME
ACC_NO
OPENDATE
BALANCE
2.transaction
ATTRIBUTE NAME
SL_T
ACC_NO
DOT
DESOT
CORD
AMOUNT
50
10
20
5
2.businessloan
ATTRIBUTE NAME
TYPEOF_BUSINESS
ANN_INC
AMT_LOAN
ATTRIBUTE TYPE
Text
Number
Number
ATTRIBUTE SIZE
100
100
100
TENURE
Number
10
SECURITY_DET
Text
100
PAN_NO
Text
50
BR_NAME
Text
20
F_NAME
Text
50
L_NAME
Text
50
ADD
Text
100
ACC_NO
Number
50
CON_NO
Number
10
2.homeloan
ATTRIBUTE NAME
ATTRIBUTE TYPE
ATTRIBUTE SIZE
LOC_PRO
AR_CONS
OCC_DET
AMT_LOAN
TENURE
SECURITY_DET
Text
Text
Text
Number
Number
Text
100
100
100
100
10
100
PAN_NO
Text
50
BR_NAME
Text
20
F_NAME
Text
50
L_NAME
Text
50
ADD
Text
100
ACC_NO
Number
50
CON_NO
Number
10
ATTRIBUTE NAME
REASON_LOAN
OCC_DET
ANN_INC
AMT_LOAN
TENURE
SECURITY_DET
ATTRIBUTE TYPE
Text
Text
Number
Number
Number
Text
ATTRIBUTE SIZE
100
100
100
100
10
100
PAN_NO
Text
50
BR_NAME
Text
20
F_NAME
Text
50
L_NAME
Text
50
ADD
Text
100
ACC_NO
Number
50
CON_NO
Number
10
3.personalloan
4.educationalloan
ATTRIBUTE NAME
TYPEOF_COURSE
Text
100
PRE_EDU_QUALIFICATION
Text
100
SEC_MARKS
Number
100
HIGHSEC_MARKS
Number
100
GRADUATION_MARKS
Number
10
ANN_INC
Text
100
TENURE
Number
10
PAN_NO
Text
50
BR_NAME
Text
20
F_NAME
Text
50
L_NAME
Text
50
ADD
Text
100
ACC_NO
Number
50
CON_NO
Number
10
4.agriculturalloan
ATTRIBUTE NAME
AR_LAND
Text
100
ANN_PRO
Text
100
OCC_DET
Number
100
ANN_INC
Text
100
TENURE
Number
10
SECURITY_DET
PAN_NO
Text
Text
50
50
BR_NAME
Text
20
F_NAME
Text
50
L_NAME
Text
50
ADD
Text
100
ACC_NO
Number
50
CON_NO
Number
10
PROS N CONS
Features of Internet banking
The features available from an on-line bank account are similar to those
which are available via 'phone banking or visiting the local branch. Online banking features do differ between the banks, but usually include:
CONCLUSION
Thus reaching to the conclusion of our project we observe that Traditional
banks offer many services to their customers, including accepting customer
money deposits, providing various banking services to customers, and
making loans to individuals and companies. Compared with traditional
channels of offering banking services through physical branches, e-banking
uses the Internet to deliver traditional banking services to their customers,
such as opening accounts, transferring funds, and electronic bill payment.
E-banking can be offered in two main ways. First, an existing bank with
physical offices can also establish an online site and offer e-banking services
to its customers in addition to the regular channel. For example, Citibank is
a leader in e-banking, offering walk-in, face-to-face banking at its branches
throughout many parts of the world as well as e-banking services through
the World Wide Web. Generally, e-banking is provided without extra cost to
customers. Customers are attracted by the convenience of e-banking through
the Internet, and in turn, banks can operate more efficiently when customers
perform transactions by themselves rather than going to a branch and dealing
with a branch representative.
E-banking services are delivered to customers through the Internet and the
web using Hypertext Markup Language (HTML). In order to use e-banking
services, customers need Internet access and web browser software.
Multimedia information in HTML format from online banks can be
displayed in web browsers. The heart of the e-banking application is the
computer system, which includes web servers, database management
systems, and web application programs that can generate dynamic HTML
pages.
One of the main concerns of e-banking is security. Without great confidence
in security, customers are unwilling to use a public network, such as the
Internet, to view their financial information online and conduct financial
transactions. Some of the security threats include invasion of individuals'
privacy and theft of confidential information.