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TITLE PAGE

DESIGN AND IMPLEMENTATION OF ONLINE BANKING SYSTEM,


(A CASE STUDY
OF
MAY FRESH SAVINGS AND LOANS BANK CARITAS UNIVERSITY,
ENUGU)
BY
AREMU BABATUNDE OLUWAYOMI
CE/2007/178
DEPARTMENT OF COMPUTER ENGINEERING,
FACULTY OF ENGINERING
CARITAS UNIVERSITY, AMORJI-NIKE, ENUGU STATE.
IN PARTIAL FULFILLMENT OF THE
REQUIREMENTS FOR THE AWARD OF ENGINEERING (BEng)
DEGREE IN
COMPUTER ENGINEERING

SEPTEMBER, 2012

CERTIFICATION PAGE

I certify that this work recorded in this report was carried out by Aremu
Babatunde Oluwayomi and has been read and certified to have satisfied the
requirement of the Department of Computer Engineering, Faculty of
Engineering, Caritas University Amorji-Nike, Enugu State, Nigeria for the
Award of (BEng.) In Computer Engineering.

---------------------------

----------------------------------

Engr. M.C. Obi

DATE

(Supervisor)

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Engr. C.N. Mba

DATE

(HOD)

---------------------------

----------------------------------

(External Supervisor)

DATE

DEDICATION
This report is dedicated to the members of my family especially to my parent
Mr and Mrs Aremu who have been my financial source through all my
academic pursuits up to this extent, for the support and sacrifice of my family
members during my project work.

ACKNOWLEDGEMENT
I wish to express my gratitude to God Almighty who made the project work to
be successful, and to all who contributed morally, spiritually, physically and
financially to make sure that I do this project successfully.
I am grateful to Engr. M.C .Obi my supervisor for his patience and guidance in
the supervision of my work.
My special thanks goes to Prof. Uzomaka and Prof. Ojobor the HOD of
Computer Engineering and the Dean of Engineering faculty respectively for
their assistance intellectually, also to all the lecturers in Computer Engineering
Department of Caritas University Enugu Engr. C.N. Mba, Engr. Etomchi, Engr.
Toni, and others who has lectured me up to this level.
My gratitude goes to my parent Mr. and Mrs. Aremu and my Sibling , Aremu
Sunday, Aremu Yetunde, and Aremu Michael who joined my supervisor in
giving me moral, academic and financial advice that will help me in life.
Lastly I want to thank God who gave me the grace and strength to go through
this period of project work without accidents or health breakdown which made
my project a success. Without God my Project would not have been possible.

ABSTRACT
The application has three users, Managing Director, Teller and the Customer
login page. The MD has access to all the transaction details, MD can create an
Account , add staff and each account created will have password for security
purpose which is going to serve as login details. The Teller can check account
details, Credit an account with the following details: Account Number, Amount
and Depositor Name, also Debit an account with the following details: Account
Number, Amount and Withdrawer Name. The Customer has access to check
his/her account details, view and print transaction details, also changes his/her
password.

LIST OF FIGURES
Fig 3.1 Manual Process DiagramFig 3.2 Input, Output Analysis- Fig 3.3: Main menu- Fig 3.4: New Users-

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Fig 3.5 Edit AccountFig 3.6: Deposit SlipFig 3.7: Account Opening FormFig 3.8: Transaction File Structure- Fig 3.9: Structure of the Master File- Fig 3.10: Transaction FileFig 3.11 Available Cash- -35
Fig 3.12 Account Type- - Fig 3.13 User TableFig 3.14: Program Flowchart- Fig 3.15: Accounting Opening Flowchart- Fig 3.16: Bank Transaction Flowchart-38
Fig 3.17: System Flowcharts- Fig 3.18: Top down diagram- Fig 4.1. Account form (KYC) - Fig 4.2 Admin and Customer Login ImplementationFig 4.3 Feedback InterfaceFig 4.4 Transaction Interface- Fig 5.1 Main Interface with admin loginFig 5.2 Admin welcome page interfaceFig 5.3 Update Customer DetailsFig 5.4 Checking of Account Balance-56
Fig 5.5 Crediting of Account- Fig 5.6 Debiting of Account- Fig 5.7 Customer Transaction Details- -

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Table 3.2 Extent of Computerization at May Fresh Bank- -

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Table 4.1 Account Number Testing- -

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Table 4.2 Account KYC form Testing-

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Table 4.3 Login page Testing- -

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Table 4.4 Feedback Form Testing-

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LIST OF TABLES
Table 3.1 Operations at May Fresh Bank-

Table 4.5 Admin page Testing- -

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Table 4.6 Teller page Testing- -

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Table 4.7 Customer page Testing-

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Table 5.1 Project Expenses-

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TABLE OF CONTENTS
Title page

Certification- -

-iii

Dedication-

Acknowledgement-

-v

Abstract-

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List of Figures-

vii

List of Tables -

viii

Table of contents-

ix

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CHAPTER ONE

1.1 Introduction

1.2 Statement of Problem-

1.2 Objectives of the Project-

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1.4 Scope of the Project- -

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1.5 Limitation of the Study-

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1.6 Programming Language Used-

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1.7 Organization of Project Report -

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1.8Definition of Terms- -

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2.1 The Online Banking Management System

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2.2 Registration and Security- -

CHAPTER TWO
Literature Review -

2.3 Database Management Systems - -

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2.4 Data Management-

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2.4.1 Data Integrity -

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2.4.2 Cash/Cheque Payment - -

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2.5 Traditional Banking Vs Online Banking -

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2.6 Types of Services -

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2.7 The Role of Information Technology in the Banking System-

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2.8 Security Features in Online Banking System- -

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2.9 Advantages of Online Banking-

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2.10 Disadvantages of Online Banking -

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2.11 Online Banking System Security -

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CHAPTER THREE
3.1 Methodology- -

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3.2 Information Gathering-

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3.3 Data Analysis- -

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3.4 Limitations of the Existing System-

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3.5 Description of the Existing System -

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3.5.1 Feasibility Considerations-

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3.5.2 Economic Feasibility -

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3.5.3 Operational Feasibility-

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3.5.4 Manual Process Diagram3.5.5 Problem Domain- -

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3.6 Proposed System Design-

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3.6.1 The Manual System

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3.6.2 Input, Output and Analysis-

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3.6.3 The Current Issues Involving the Following Factors-

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3.6.4 New User - -

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3.6.5 Existing User -

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3.6.6 Accounts-

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3.6.7 Design Procedure- -

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3.6.8 Flow Diagram-

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3.6.9 Some Forms (Tellers) Used In May Fresh Bank-

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3.7 Database Design Standard- -

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3.7.1 Output Specification and Design-

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3.7.2 Input Specification and Design- -

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3.7.3 Transaction File Structure-

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3.7.4 File Design- -

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3.7.5 Structure of the Master File -

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3.7.6 Transaction File-

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3.7.7 Available Cash-

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3.7.8 Account Type-

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3.7.9 User Table- -

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3.8 Program Flowchart - -

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3.8.1 Account Opening Flowchart -

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3.8.2 Bank Transaction Flowchart -

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3.8.3 System Flowcharts- -

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3.9 Top down Design Diagram- -

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4.1 Choice Of Development Tools-

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4.2 System Requirement- -

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4.2.1 Hardware Requirement - -

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4.2.2 Software Requirement - -

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4.3 Database Implementation- -

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4.3.1 System Security Implementation-

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4.3.2 Implementation of the Feedback Table Design-

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4.3.3 Implementation of Transaction Table Design-

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4.4 The Test Plan- -

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4.4.1 Test Data, Expected Versus Actual Test Result-

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4.4.2 Testing the Database -

CHAPTER FOUR

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4.4.3 Testing the Admin Side- -

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4.4.4 Testing the Customer Side-

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4.4.5 Integrated Testing- -

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4.4.6 System Evaluation-

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CHAPTER FIVE
5.1 Summary-

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5.2 Limitation-

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5.4 B.E.M.E (Bill Of Engineering Measurement And Evaluation)-

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5.5 Conclusion-

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References- -

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Appendix A-

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Appendix B-

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5.3 Recommendations-

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CHAPTER ONE
1.1

INTRODUCTION

Design and implementation of online banking system, a case study of May fresh
savings and Loans Bank Caritas University Branch.
The greatest innovation that has taken place in the twentieth century is in the
realm of information Technology.

This is currently made possible by the

introduction of the digital computers which has been observed in the field of
communication to be increasingly inseparable from communications. These
linkages often referred to as convergence is driven by technology and amplified
by business trends. Faster growth in network systems that use communication
links to connect subsidiary system (nodes) which may send and receives, direct
and redirect information.
Talking of the internet a couple of years ago would have sound like a
fairytale but today the internet is pervasive in almost every field of human
Endeavour changing the fundamentals of how we conduct national as well as
international businesses. Few years of its existence, the internet has shown that
it can deliver the long sought after goal of electronic commerce.
It is worth that companies in the developed countries world-wide have
recognized the business potential of the internet and are getting connected to the
network of networks in their millions.

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The financial institution (Bank) is one of such organizations. Banking


constitutes one of the most prominent life wire for Socio-Economic grow and
development in any given nation, it supports and assists in the supply of long
and short term loan, accepts both current sowing and fixed deposits, both
foreign transactions, advice and facilitates transactions between client, workers,
agents, firm, buyers and seller by providing payment services, not excluding the
issue of undertaking risk on behalf of their clients, only to mention but a few.
The internet having found its application and acceptance in the banking
procession has particularly put the banking industry on an accelerating pace of
development. The technological highway (the internet) has become an enabler
for Banks in achieving high level productivity and in handling volumes of
transaction which would have been impossible without the use of on-line
banking (E-commerce).
The technology facilitates linkages with clients both through the
provision of information and quality service delivery, as well as in reducing
barriers to entry into payment systems retail banking. Internet banking allows
clients to engage in informal transaction relationship which would have taken
long distance travels or movement of documents with the attendant risk of loss.
With the online banking (internet) you can at your convenience, at home and at
any time review account balances and transactions, transfer funds, receive and
pay bills, down-load transaction services and contact customer services just to
mention but a few.
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An over view of the benefits and prospects of the on-line banking suggest
that for banks to be relevant to their customers in term of the services they
provide in the twenty-first century and in the future, must append this services
provided by E-commerce in the banking system in order to stay in competition.
Now the on-line banking is the one thing bank should get up and invest in
internet technology to reap bounteously the benefit accruing from internet
banking.
While Internet continues growing and gaining popularity among crowd,
mobility represents new challenges to web designers. Wireless access is a new
challenging mission in the current Internet era, with different demand for
information by using less efficient terminals and networks. What really
motivated our choice of topic was the fact that Information and Communication
Technology (ICT) is not yet fully applied in May fresh Bank and in our
economy as a whole. We felt that May fresh Bank Caritas University Branch
should also exploit the use and application of this wireless system in order to
enhance their operations effectively and efficiently.
1.2 STATEMENT OF PROBLEM
In banking industries today, queuing has become the order of the day,
customers line up for hours waiting to withdraw or deposit money. This creates
a lot of problem to both customers as they waste their useful time in the banking
hall. The management also wastes their time as they run around to find solution
to those problems. Also it is observed that customers cannot withdraw money
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any time they want as banks has their working hours. This is a big problem as
needs can arise at any time and human beings will always like to have those
needs solved. Also money deposited into accounts at times takes some hours to
reflect in the persons account balance hence making banking operations slow
and unhealthy for business growth.
Information and Communication Technology is still underutilized in May
fresh Bank Caritas University Branch and in our society as a whole. May
fresh Bank Caritas University Branch lacks effective ICT capacity for
dynamic wireless operations. On analyzing the existing system of branch,
the following problems were identified:
a.

May fresh Bank Caritas University Branch lacks the Information and
Communication Technology (ICT) capability to wirelessly operate and
interact with their database in order to:

Verify whether an account is credited or debited, wirelessly using GSM


handset or internet.

To verify the status of a Customers transactions.

b.

May fresh Bank, can verify the validity of their customers only through
one source in a whole Branch through on central database online.

c.

Presently, customers cannot access their May fresh Bank account


Information online or with their GSM handsets, either to check or verify
the status of a transaction without much official steps.

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May fresh Bank cannot automatically contact their customer whose account
number has been credited or debited as a result of lack of automated system.

1.3 OBJECTIVES OF THE PROJECT


To improve in the speed, effectiveness, efficiency and convenience in
business transaction.
To design and implement a computer software to solve this problem and
rendering the services.
To design a friendly web-site that graphically advertises goods and
services provided by the institute on web pages.
To provide an On-line banking database for May fresh Bank using
MySQL database.
To interface the client and server side in a cost effective and efficient
manner.
To generally enhance the operational capacity of May fresh Bank via
ICT.
To design an interface that could be used to input transactions details for
customer, and the bank staff information, able to store them in the
database for further use and investigations of any bank transactions.
1.4 SCOPE OF THE PROJECT

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This project will provide an online banking database using MySQL database
for May fresh Bank that can be accessed wirelessly from any branch area at
any time. It features both GSM based wireless database access and Internet
based wireless access for WAP enabled cell phones. Other features include
ability to receive feedback wirelessly from any stakeholder and also the
ability to provide answers wirelessly to frequently asked questions and other
enquiries. It is hoped that its wireless database access feature would greatly
enhance the operational capacity of May fresh Bank in a cost effective
manner.
1.5 LIMITATION OF THE STUDY
Hard time is not a new phenomenon to an ordinary Nigerian but to the
student researcher, it is even worse. Time and finance posed a lot of constraints
to the work.
Consequently, difficulties were encountered during the collection of
primary data. Most of the administrators, system engineers and clerks visited
reluctantly refused interview for one reason or the other and being referred to,
the organization from one personnel to the other not excluding even security
men.
Books related to this topic are relatively scarce and could only be gotten from
the internet, which took a lot of time and money.
However, with persistence and perseverance reasonable facts were finally
obtained.
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1.6 PROGRAMMING LANGUAGE USED


Programming language used are HTML, JAVA script, PHP. Software
includes Adobe Software used are Adobe Dreamweaver CS5, Adobe
Fireworks and wampServer .
1.7ORGANIZATION OF PROJECT REPORT
This Project report is organized in five chapters. Chapter one is on the
Introduction, Chapter two is on Literature Review. Chapter three is on
Research Methodology and System Design, Chapter four Testing and
Implementation. Chapter Five is on recommendations and Conclusions.
1.8DEFINITION OF TERMS
Analysis: Breaking a problem into successively manageable parts for
individual study. Data flow: Movement of data in a system from a point of
origin to specific destination indicated by a line and arrow
Design: Process of developing the technical and operational specification of
a candidate system for implements.
Implementation: In system development-phase that focuses on user
training, site preparation and file conversion for installing a candidate
system.
Operation System: In database machine based software that facilitates the
availability of information or reports through the DBMS.
Password: Identity authenticators a key that allow access to a program
system a procedure.
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System: A regular or orderly arrangements of components or parts in a


connected and interrelated series or whole a group of components necessary
to some operation.
System Design: Detailed concentration on the technical and other
specification that will make the new system operational.
System Testing: Testing the whole system by the user after major programs
and subsystem has been tested.
Unit testing: Testing changes made in an existing or new programs.

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CHAPTER TWO
LITERATURE REVIEW
2.1 THE ONLINE BANKING SYSTEM
During the 1990s researchers at the Stanford Institute invented ERMA
according to Molina (1990) the Electronic Recording Method of Accounting is
a computer processing system. ERMA began as a project for the bank of
America in an effort to computerize the banking industry. ERMA computerized
the manual processing of checks and account management and automatically
updated and posted checking accounts. Because of the historical evolution and
peculiarities, engendered taking into account the model of the European
structure of a banking system, two levels has been created; the National Bank of
Romania, as the Central Bank, and the Commercial Banks(Vossen,1991).
Considering the role and importance held by the banks as regards the good
operation of the economic agents and the requirements of all the categories of
economic agents in the market economy, as well as of the physical persons
beneficiaries of credits, depositors etc.. The computers security system should
be sound enough to maintain privacy of personal information. Recent media
attention to information privacy issues has shown that citizens are increasingly
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concerned about information privacy and their right to it. Governmental and
other organizations have been collecting data about individuals. The ability to
gather so much information on individuals is largely because of advances in
information technology (Renon, 1997).
It is important for managers and professionals to understand the issues
surrounding personal information privacy in order to protect the rights of those
from and about whom they collect data. The speed employed by the online
banking for executing and confirming the transactions is faster than the
traditional speed of the ATM processing. (Bergstrom, 1994).
2.2 REGISTRATION AND SECURITY
Before user can actually use a secure online banking management system, a
registration procedure is performed. During this registration procedure, the
security of the system is bootstrapped. The user has to obtain an initial means
for entity authentication with which a first secure session can be established
with the bank, thereafter, the regular security authenticators are enabled. It is
clear that something goes wrong during this stage, the security of the rest of the
computerized system is undermined (Renom, 1997).
In some situations, the ability of delegation within an electronic banking system
is desired e.g. the manager of a department would like to be able to delegate
right to one or more employees who needs to have access to the companys
banking transactions, or that parents would possibly delegate certain rights to
their children, the use of ID and password. These and other security measures
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must be installed. Security in online banking is typically provided through


effective prevention not only a breach of privacy, but other security concerns
like the alteration of data, IT fraud, etc. But it is in ensuring system availability
that banks still have a lot of work to do (Renom, 1997).
2.3 DATABASE MANAGEMENT SYSTEMS
Computers permit the collection and aggregation of statistical information
which would be time consuming, if not impossible to assemble from manual
systems. Data are raw facts that constitute building blocks of information.
Database is a collection of information and a means to manipulate data in a
useful way, which must provide proper storage for large amount of data, easy
and fast access and facilitates the processing of data. Database management
system is a set of software that is used to define, store, manipulate and control
the data in the database. A database provides integrated and structured
collection of stored operational data which can be used or shared by application
systems. The advanced database technology along with internet has proved
faster communication and worldwide connectivity (Willits, 1992).
2.4 DATA MANAGEMENT
It is important in developing and maintaining executive information (EIS). An
EIS can fail due to lack of an adequate data infrastructure for this data intensive.
2.4.1 Data Integrity
Is crucial to the success of an EIS because even a minor incidence of failure to
provide accurate information can lead to a fatal loss of executive trust in the
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system. Some EIS managers believe that executives tend to be less forgiving
within accurate data displayed on screens that those provided on paper reports.
A survey conducted by the International Data Corporation found 65% of the
respondents choose data integrity as one of the critical success factors of an EIS.
2.4.2 Cash/Cheque Payment
With the invention of online banking management system, customers cannot
only through in physical cash to their accounts, but can equally pay in through
cheque and get automatic update of their accounts. (Kingsbury, 2000). This
projects enables clerk, view, the edit, auto update, and closing of account should
the customer apply. According to (Glass, 2000) the advent of computerized
banking has over taken the virtually in all areas of banking system. According
to Customer Services manager Chika Okparaugo (1998) the speed, accuracy,
efficiency of computerized banking has gone a long way to reduce crowd in the
banking hall.
2.5 TRADITIONAL BANKING VS ONLINE BANKING
There is a lot of difference in traditional banking and online banking. Online
banking is time saving, fast and efficient than the traditional banking. In these
busy days, people are finding it difficult to spend time on personal banking.
Internet banking is a boon for all such customers. Internet banks pay higher
yields, require low balances to avoid fees, charges less for bounced checks,
follow friendlier ATM policies and offer higher percentages of accounts that

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cost nothing at all. The hurdle that banks must overcome is primarily
psychological fear of insecurity.
To encourage more people to use the services, banks are offering incentives
such as cash bonus for online payments. Large banks like Citigroup Well Fargo
and Bank of America, are making good progress with their online services. Its
more cost effective for small banks to start online banking than large banks,
because of small investment required establishing the infrastructure (Renom,
1997).
2.6 TYPES OF SERVICES
Every bank has different types of accounts designed to suit the needs of their
customers. Checking and savings are the widely used accounts in most of the
banks. Customer can check information of his checking account, saving
account, Mortgage loan, Home Equity loans or credit line using online banking.
Most important service that any bank would assure its customer is access of
account information in a most secured way. However, there is still some
perceived insecurity from hackers and cyber criminals. There are various
services that a bank offers its customers and they enable the customer to the
following:
Check multiple account information and account balances
Balance a checkbook
Direct deposit of the paycheck
Transfer money between accounts
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Track recent account activity


Apply for loans (auto, student, home equity, mortgage or personal)
Receive investment product and service information
2.7 THE ROLE OF INFORMATION TECHNOLOGY IN THE
BANKING SYSTEM
Information technology has been an integral part of banking system since
almost four decades. Since the arrival of internet technology, banking system
has taken a new shape and style with a blend of convenience and satisfaction.
Banking from a customers bedroom, office or anywhere in the world has made
its way into banking system with the advent of internet technology. Information
technology has always helped the banking industry to serve its customers in a
better way. To explain few examples, direct deposit is a method where the
employers bank communicates directly with the employees bank. This is only
possible with the help of information technology. This direct deposit feature
saves an employee time to cash his paycheck every fortnight or every month
(Olea et al. 1999).
This feature is safe, fast and has no hazels. One more service that an online
bank could provide its customer in online loan application. Filling out the
documents and comparing options and waiting for approval is a time consuming
process. Through the internet, this process is made much easier and sometimes

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the approval is made within minutes. This explains an efficient way of banking
and saves time and money to a customer (Olea et al. 1999).

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2.8 SECURITY FEATURES IN ONLINE BANKING SYSTEM


Security breaches in web-based banking are increasing in spite of having
efficient technology. All the banks, which offer online banking system, take a
special care and interest in building and developing their internet banking
system. It s very important to give a special features like security, Privacy,
confidentiality and Authenticity (Fluaghter, 1990).
For security and privacy issues, there are protocols like Secure Socket Layer
(SSL), Secure Electronic Transaction (SET), e-Cash, Smart Card, Digital
Signature, and Digital Certificate. SSL is a protocol, which is embedded in the
browsers, encrypts sensitive information like CC Numbers, passwords, SSN,
etc, which cannot be interpreted by any unauthorized interceptors (Fluaghter,
1990).
Banks use these secure protocols and servers to host their web-sits, between the
customer and the bank or vendors. This encryption process encrypts the data in
to some symbols, which can only be understood by the machine and not
humans. SET is similar to SSL, except that the retailer cans never see the CC
Number of a consumer. These features prevent any unauthorized or illegal
tapping of data over the internet (Fluaghter, 1990).
2.9 ADVANTAGES OF ONLINE BANKING
Clear advantages of internet checking accounts over those of traditional brickand-mortar banks are higher yields, a higher proportion of free accounts and
much lower balance requirements. Online banking allows the users to check
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their account information, statements and pay the bills instantly. Customer has
to login into his account using the username and password, check the statement
and fill the amount and authorize the payment and it will be posted instantly or
in a couple of days. Options are provided to authorize payments on regular
intervals to the same vendor or different vendors. There are many other
advantages of online banking system and some of them are listed below:
It saves a lot of time
It is very convenient to use it right from the bedroom, office or anywhere
in the world.
Transactions are very fast and postal delays can be avoided.
It is inexpensive to customer
Bills can be paid in a very convenient fashion round the clock
It allows making transaction on weekends
Transaction are secured
Help the bank in reducing the costs such as labor, inventory and
stationary.
2.10 DISADVANTAGES OF ONLINE BANKING
Online banking has few disadvantages such as:
A customer should be a computer literate to manage an online account
Internet account with an ISP s required

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Some customers are scared of the insecurity involved in the online


transactions, though the bank implements the most secure ways of
processing transactions. Switching between banks online is more
tedious than doing it physically.
2.11 ONLINE BANKING SYSTEM SECURITY
In internet banking as with traditional banking methods, security is a primary
concern. We have taken every precaution necessary to be sure your information
is transmitted safely and securely. The latest methods in internet banking system
security are used to increase and monitor the integrity and security of the system
The security of the internet banking application is addressed at three levels. The
first concern is the security of customer information as it is sent from the
customers PC to the Web server. The second area concerns the security of the
environment in which the internet banking server and customer information
database reside. Finally, security measures are in place to prevent unauthorized
users from attempting to log into the online banking section of the web site
(Charp, 1994).
Data security between the customer browser and our web server is handled
through a security protocol called Secure Sockets Layer (SSL). SSL provides
data encryption, server authentication, and message integrity from an internet
connection. In addition, SSL provides a security handshake that is used to
initiate the connection. This handshake results in the client and server agreeing

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on the level of security they will use and fulfils any authentication requirements
for the connection. Currently online banking application supports data
encryption at the highest level (128 bit). In order to get this level of encryption,
you will need a browser that supports it. Both version 3 and 4 of the most
popular browser support 40-bit encryption as a default, and have complete
versions as well as patches that will support the stronger 128-bit encryption.
Check with your browser manufacturers website for more information (Charp,
1994).
Requests for online banking information are passed on from the Web server to
the internet banking server. The internet banking application is designed using a
three-tiered architecture. The three-tiered architecture provides a double
firewall, completely isolating the web server from the customer information
SQL database.
The World Wide Web interface receives SSL input and sends requests through a
firewall over a dedicated private network to the internet banking server. The
World Wide Web interface is the only process capable of communicating
through the firewall to the internet banking server. Therefore, only authenticated
requests communicate with the internet banking server.
The customer information database is housed on a Microsoft SQL server, which
implements Microsoft NT security in addition to the firewall technology. The
customer database is stored on a RAID-5 drive array, which provides
uninterruptible data access, even in the hard drive failure. Just as the World
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Wide Web interface is the only process capable of communicating with the
internet banking server, the internet banking server is the only process able to
send requests to the SQL (Wise, et al, 2000).

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CHAPTER THREE
METHODOLOGY AND SYSTEM ANALYSIS
3.1 Methodology
According to Ndunagu (2004) Strauss and Corbin in 1998 defined
Methodology as a way of thinking about and studying social reality. Potter in
1996 defined methodology as strategies that lay out the means for achieving the
goals of research. They all defined methods as procedures and techniques used
to reach the studys goal. Potter in 1996 sums up the inter-relationship and
differences by stating: Methodologies are the blue prints; methods are the
tools (Donald, 2004.).
For the purpose of this work, the Structured System Analysis and Design
Methodology (SSADM) were used to analyze the system. In this, the TopDown Design approach was used, where the entire system was broken into
several subsystems and each subsystem also broken into different modules.
3.2 Information Gathering
In any system analysis, information must be gathered, and this one cannot be an
exception. Information can be gathered through any of the following methods:
questionnaire, manual study of a procedure, oral interview, reading of textbooks
and published articles and Journals, watching television and also surfing the
Internet. For this particular work, surfing the Internet and oral Interviews from
May fresh Bank officials were used.

31

Mr. Emanuel, the Bank Manager of May fresh Bank Ememe branch, Enugu
was orally interviewed. The questions and the responses obtained from this
exercise are shown in Tables 3.1 and 3.2.
May Fresh Bank OPERATIONS
INTERVIEWER
RESPONDER
What functions do you carry out in this The functions include Routine Inspection,
Bank?
Opening of Account for customers both
Saving and Current, Money transfers to
other banks and giving out loans to
customers.
On which areas do you carry out all these The areas include: Customer that want
functions?
open account with the bank and those that
want to borrow money.
How do you carry out these functions?
Marketing department normally go out to
look for customers.
Is there any electronic device that you use Greater percentage of the work is done
in carrying out your function?
manually except that in some few
occasions, we use desktop or laptop
computers for the zonal headquarter and
branches to query the database for prompt
response to the needed account information
like debiting and crediting of customer
account.
Apart from using your GSM handsets or No
computers system to book appointments
with your clients and confirmation of
account from other branches, is there any
other way it is applied to facilitate your
operations in general?
This project aims at implementing an Yes. You are encouraged to implement it as
interface where your GSM handset and we have been looking forward to an ample
Computer can be used to achieve wireless opportunity like this. Thank you.
access to your operational database from
anywhere in order to make the entire work
easier and faster for you and your clients.
Do you think the project is worth
implementing?
If your GSM handset and Computer usage Yes, because most times, we dont meet
potential is maximized through its use for our target because of insufficient electronic
wireless database access, will it be of any devices to assist us.
interest to this Department and May Fresh
Bank as a whole?

Table 3.1 Operations at May Fresh Bank.

32

EXTENT OF COMPUTERIZATION
INTERVIEWER
RESPONDER
Do your customers have online access Partially, because even when they access
now?
the forms online, they still come to the
office to physically present their products
to us.
Is it possible for your customers to check No, they must come to May Fresh Bank
the status of their account balance while office.
seated at home?
Is there any way your customers with GSM No.
handsets or Computer system can verify
the status of their account on their own
wirelessly?
Is there any way you can query your No, we can only make calls.
database with your GSM handset or
Computer system while on inspection
irrespective of the location where you are.
The report you produce here after your No, we only send it as an electronic mail to
inspection, is there any automation them via the Internet.
involved while making effort to forward it
to the headquarters?
Table 3.2 Extent of Computerization at May Fresh Bank

3.3 Data Analysis


During the interview stage, much information was gathered concerning
May Fresh Bank operations, registration, extent of their Computerization
and database. These data as presented in Tables 3.1 and 3.2 were
organized by topic in order to know what area of May fresh Bank
operations should be enhanced using the wireless means. The analysis
method used was a close inspection on the responses given by the
official.
3.4 Limitations of the existing system
The following are the limitations of May Fresh Bank that led to our
choice of this topic:

33

1.

May Fresh Bank cannot use Computer System or GSM handset to


wirelessly interact with their database:

to verify customer information.

to verify the status of a account.

2.

The customers cannot wirelessly use their computer system or mobile


devices to access their May Fresh account Information System directly.

3.5 DESCRIPTION OF THE EXISTING SYSTEM


The organization of the existing financial institution of May fresh saving and
Loan Bank Caritas University Branch which is a case study of this research
work was firstly examined, and means of getting information was through oral
interview of various heads of the organization and collection of data, forms,
organization profiles, codes, was not an easy task due to the nature of the job.
Most time I went there, they are busy attending to customers. The manual
system is taken more time and the services to the customer are slow and not
accurate. The client focus problem with the existing system with respective two
values, such as time value and cost value.
Investigation of the existing system, oral interview discussion with staffs of
bank and statement are the sources used in getting facts about the existing
system. In order to comprehensively study the existing system, the capabilities
and weakness of the existing system is fully explored.

34

3.5.1 Feasibility Considerations


The analyst must consider the following feasibility were highly considered step
by step Economic feasibility, operational feasibility.
3.5.2 Economic feasibility
Economic analysiss most frequently used technique for evaluating the
effectiveness of a proposed system. More commonly known as cost/benefit
analysis, the procedure is to determine the benefits and savings that are
expected from a proposed system and compare them with costs. If benefit
outweighs costs, a decision is taken to design and implement the system
otherwise; further justification or alternative in the proposed system will have to
be made if it is to have a change of being approved. This is an ongoing effort
that improves in accuracy at each phase of the system life cycle.
3.5.3 Operational Feasibility
The project is easy to operate and it has a user-friendly interface. The working
staff of the company can be trained easily. It easy for the staff to adapt and use
according to the proposed system. A ready willingness is shown by the staff and
the customer to use the proposed system. Hence the system is operationally
feasible.
The research investigated and observed this in the existing system bank among
others the objectives.
a) To render accurate services to customer
b) The reduction of fraudulent activities
35

c) To achieve speedy processing, the guarantee of increase security


d) A higher turnover rate.
e) A better storage and retrieval medium
The online banking system is designed for financial Institutions to deal with
their basic banking services. The system allows customers to open accounts,
view account balances and statement details, transfer funds between
accounts and change personal information and passwords. Any customer is
able to scan interest details, along with frequently requested information for
checking, savings, and certificate of deposit accounts quickly and easily
without interacting with bank clerks.
3.5.4 Manual Process Diagram
Inquires for existing
service

Customer

Physically visits the bank or specific information

Customer
leaves

Associated and integrate the


information

And comes back


to visit the bank

Raises a request of cheque by


filling in the prescribed
information

The clerk in charge checks


the specific
The clerk in charge accepts
the cheque book

Customer makes counter


sign and receives the cheque

Fig 3.1 Manual Process Diagram

36

The cheque book is sent for


management initials

3.5.5 Problem Domain


The following problems were envisaged in the manual banking system.
i)

In existing manual system, it is difficult to maintain a large scale order


transactions.

ii)

In existing manual system huge expenditure and a lot of time is spend


in communicating the information across the external bank branches
and the centralized system.

iii)

Manually the information may not be as secure as in automated


system.

3.6 PROPOSED SYSTEM DESIGN


In the proposed system we are concentrating the problems whatever a client
faced with existing manual system. By introducing online banking
management system, the client provides faster services to the customer. The
transaction service, report generation services and every service is available
at no delay (Sanmartin, 1997). This project is an attempt to make the task of
administrator as well as customer easier. The administrator has the right to
know everything. He/she has the right to know the account details of the
users and bank reports. The development of the new system contains the
following activities which try to automate the entire process keeping in view
of the database integration approach. The administrators have great

37

accessibility in collecting the consistent information that is very much


necessary for the system to exist and coordinate.
i.

The system can provide information related to the different types of


accounts that are existed within the bank.

ii.

The system can provide the bank administration with information on


the number of customers who are existence in the system.

iii.

The system at any point of time can provide the information related to
executed transactions by the customer.

iv.

The system with respect to the necessities can identify all the history
details of the trial participants along with their outcome of the results.

3.6.1 The Manual System


The research investigation and observed that the existing which is manual
short-circuited in delivering their services and could not meet up with the
required objectives needed as below:
a) To render accurate services to customer
b) The reduction of fraudulent activities
c) To achieve speedy processing, the guarantee of increase security
d) A higher turnover rate
e) A better storage and retrieval medium

38

3.6.2 Input, Output and Analysis


An investigation made in respect of this study relay that as a customer comes
to transact business with the bank, he or she moves to the counter for
inquiry. He or she then informed of what to do.
Supposing he or she wants to open saving/current account, he works directly
then to the saving/current section. He is then issued a passbook in which
deposits and withdrawals are made for recorded. Then the relevant data
entries and other facts about the customers is given and entered into the
computer system (off-line system) to be processed later. Data given by the
customer forms the database of the very customer. In adding the data issued
to him by the clerk/cashier.
These data are:
Account Name

Address

Account Number

E-mail

Gender

Phone Number

Signature

Passport photography

Amount deposit

Amount withdrawal

Fig 3.2 Input, Output Analysis


These are some of the input data in demand below are simples of the input
forms for the saving account (Deposit/withdrawal) or account transactions of
May Fresh Saving and Lone Bank.
39

3.6.3 The Current Issues Involving the Following Factors


Provide facility to the registration for account management.
Provide facility for the last transactions. This project is totally
functioning on menu based system.
Main menu
New User
Existing user
Exit

Fig 3.3: Main menu

3.6.4 New User


This procedure collects all the personal information like name, date of birth,
address, phone number, e-mail, verifying person, initial amount to be deposited
from the user and provides unique identification number and account no. Using
which user can make transaction after accepting only identification number and
account number. It saves the information given by the user in our maintained
database through file system support.
3.6.5 Existing User
The following data items such as is enlisted in the Fig 3.3 are stored in the
existing user menu:
EXISTING USER
New Account
Account List
Individual Account Detail
Daily Transaction
Account Update
Exit

Fig 3.4: New Users

40

a) New Account: Provides facilities to existing user to open another new


account under the same identification number. And provides the same
functionalities as above described in new user. It saves the information given by
the user in our maintained database through file system support.
b) Account List: It provides list of all users associated with our banking saving
system, in which name, customer identification no, phone no, e-mail. Which
retrieves data from our maintained database through the file system support?
c) Individual account details: This method is provided to facilitate the
associated user to observe current position of his or her account based on the
customer identification no and account no given by the user. This retrieves data
from our maintained database through the file system support.
d) Daily Transaction: this function provides the facilities to the associated
user. For depositing, withdrawal amount through cash or cheque based on the
customer identification no and account no given by the user. It saves the
transaction performed by the user in our maintained database through file
system support.
3.6.6 Accounts
The following data items, modify account, close account and exit are found in
the edit account menu:

Edit
Modify account
Close account
Exit

Fig 3.5 Edit Account


41

a) Modify Account: this function provides the user facility of correcting his
name if he has miscued it and modifying his phone no based on the customer
identification no and account no given by the user. It saves the transaction
performed by the user in our maintained database through file system support.
b) Close Account: this method provides user the facility of closing his account
if he wishes to do based on the customer identification no and account no given
by the user. It saves the latest account state in our banking saving system in our
maintained database through file system support.
c) Exit: it gives the command direct to the first main menu of our project.
3.6.7 Design Procedure
Software design is both a process and model. The design process is a sequence
of steps that is enables the designer to all aspects of the software to be built.
Basic design principles enable the software engineer to navigate the design
process. There are some principles of software design:
i)

The design process should not suffer from :tunnel vision:

ii)

The design should be traceable to the analysis.

iii)

The design should not reinvent the wheel.

iv)

The design should minimize the intellectual distance between the


software and the problem as it exists in the real world.

v)

The design should exhibit uniformity and integration

vi)

The design should be structured to accommodate change

42

vii)

The design should be structured to degrade gently, even when aberrant


data, events, or operating conditions are encountered

viii) The design should be assessed for quality as it is being created, not
after the fact.
ix)

The design should be reviewed to minimize conceptual.

3.6.8 Flow Diagram


The data flow diagram depicts the flow of the information within the
system. The system and its user act as link with all the information following
into them. Client act the source as all the request are generated by him. The
record is held in the storage spaces depict by partially open rectangle.
Arrows within the DFD is quit important as its records in a pictorial form all
the information flow within the system. With the help of DFD we can
identify the current information structure of the system. The structure of the
system can thus be analyzed and it helps in making improvement within the
current system
3.6.9 Some Forms (Tellers) Used In May Fresh Bank
A/C NO:
NAME:
DEBIT/CREDIT TRANSACTION:
CHEQUE NO:
DATE:
AMOUNT:
DENOMINATION:
DEBIT AMOUNT:
CREDIT AMOUNT:
Fig 3.6: Deposit Slip
43

3.7 DATABASE DESIGN STANDARD


The standard of the design includes
1. Design an input format that will enable the user capture all the necessary
data online.
2. Structure a database system that will store all the information
3. Design a well formatted output that will present information to
management in a meaningful format
4. Employ a top-down methodology in the design to enable a central control
menu for accessing other sub system.
3.7.1 Output Specification and Design
Output from the system is in the form of document, majority of the outputs
carries information relating to bank transaction operations, account
statements, etc. the outputs are presented in a text format and some of the
information is retrieved from the database. Some of the reports produced are:
Statement of Account
Account Holders in the Bank:
Account Balance
3.7.2 Input Specification and Design
The program designed involved some input forms in order to achieve or derived
some required outputs. These forms relates to customers account opening and

44

transactions. The forms designed in this system are expected to be used to


capture program inputs. The forms included:
1. Account opening form Know Your Customer (KYC)
2. Deposit/withdrawal form
Account Opening Form (KYC)
Account Name
Account No
Address of customer
Sex
Opening date
Deposit No
Opening Amount

Fig 3.7: Account Opening Form


3.7.3 Transaction File Structure
Transaction From
Account Name:
Account Number:
Amount:
Date:
Type of transaction:
Cheque No:

Fig 3.8: Transaction File Structure


3.7.4 File Design
Access database was used in storing the information used in this project.
The database was integrated into the system that the program access and
update the files. In the course of the design, five tables were created in the
database. The master files account table, available cash table, account
type table, transaction table and user table.

45

3.7.5 Structure of the Master File


Field Name
Account No
Name
Address
Sex
Date of Birth
Date
Amount
Account type
Password

Type
Text
Text
Text
Text
Date
Date
Double
Text
Ver Char

Size
20
50
100
10
8
8
8
20
50

Fig 3.9: Structure of the Master File


3.7.6 Transaction File
Field Name
Account No
Date
Deposit
Withdrawal
Balance
Teller

Type
Text
Date
Double
Double
Double
Var Char

Size
20
8
8
8
8
10

Fig 3.10: Transaction File


3.7.7 Available Cash
Field Name
Amount
Name

Type
Double
Text
Fig 3.11 Available Cash

Size
100
30

3.7.8 Account Type


Field Name
Id
Account type

Type
Int
Text
Fig 3.12 Account Type

46

Size
100
30

3.7.9 User Table


Field Name
Name
Username
Password
Last Login

Type
Text
Text
Var Char
Date
Fig 3.13 User Table

Size
100
30
30
50

3.8 PROGRAM FLOWCHART


Start

Select option from the login page

Yes
Display Admin page menu

Admin ?
No
Yes

Display Teller page menu

Teller ?
No
Yes

Display Customer page


menu

Customer
?
No
Return to main menu

Fig 3.14: Program Flowchart


Fig 3.14 program flowchart shows procedure of the application, if Admin page
display, if Teller page display likewise if Customer the page display.

47

3.8.1 Account Opening Flowchart

Start

Enter the Account Name, No,


Address, opening amount

Store the record on the database

Yes
More
entry?
No
Stop

Fig 3.15: Account Opening Flowchart


Fig 3.15 shows account opening process flowchart where data entry takes place
like account number, account name and amount etc.

48

3.8.2 Bank Transaction Flowchart

Start

Select option from sub


menu

Yes

Enter the deposit


transaction

Deposit
No
Yes

Enter withdrawal
transaction

Withdrawal

No
Yes

Balance

Display customers balance

Return to main menu

Stop

Fig 3.16: Bank Transaction Flowchart


Fig 3.16 shows bank transaction flowchart process like depositing into account,
withdrawal from account and checking of account balance.

49

3.8.3 System Flowcharts


Input Data

Report

Input From
the
Keyboard

CPU

Output
Disk
Storage

Fig 3.17: System Flowcharts


Fig 3.17 shows the system flowchart; data entering are done through
keyboard, processed by the central processing unit (CPU), and stored in disk
storage device, output by the monitor.

50

3.9 TOP DOWN DESIGN DIAGRAM


Main Menu

Main Menu Driver

Administrator

Teller

Data Input
Subsystem
Driver

Online Services
Subsystem
Driver

New Account

Check Account
Balance

Update
Account

Subsystem
Driver

Check Balance
View Transaction

Credit Account

View Account
View Transaction

Customer

Print Account
Statement
Debit Account
Change Password

Add Staff
Delete Staff
View Staff

Exit

Exit

Exit

Fig 3.18: Top down diagram


Fig 3.18 is the top down design for main menu of the project. It shows the
subsystems and their respective modules with their possible navigations.

51

Quit

CHAPTER FOUR
TESTING, IMPLMENTATION AND PACKAGING
4.2 CHOICE OF DEVELOPMENT TOOLS
After the analysis of this entire Software System, I chose to work with Adobe
CS5 Dreamweaver and MySQL database as our development tools.
The choice of Adobe CS5 was due to the fact that it is a development platform
that helps in creating web applications at a very fast speed. It is a high level
programming language that provides a very user friendly environment to write
managed applications and involves less coding.
Our choice of MySQL database is due to the fact that it can be used to set up a
query which, when applied to a database typically returns a set of records that
matches your SQL (Structured Query Language) query. It is also used to handle
large databases
4.2 SYSTEM REQUIREMENT
In order to realize this project, the following software components were used
4.2.1 Hardware Requirement
In the cause of the design, the software developed needed the following
hardware for an effective and efficient operation of the new system
Intel Computer System
1. At least 512 MB RAM
2. At least 40gb hard disk
3. Colored Monitor
4. An uninterruptible power supply (UPS)
5. Printer
4.2.2 Software Requirement
The software requirement includes:
1. A window 98 or higher version for faster processing
52

2. Microsoft Access
3. Visual Basic Integrated development environment (version 6.0)
4. Dream Weaver
5. Font Page
4.4 DATABASE IMPLEMENTATION
Several database tables and forms were designed and implemented in this
project using MYSQL (Structured Query Language) database. Each of these
tables and forms has their corresponding user interface that enables the user to
supply data to the system. Application table was designed for this system in
order to capture the account number of each application submitted. Once an
application is entered, it is automatically numbered and this is seen on top of
every application / Account registration form show in fig 1.4. The account
number of every application is automatically captured and stored in the account
database table. In the implementation phase, the project reaches fruition. A
critical phase in SLDC (System Development Life Cycle) is the successful
implementation of the system; implementation simply means bringing the new
system into operation. Due to our well-written documentation and user training
methods developed by the experts will aid the user staff so that they can use the
system efficiently and effectively. Firstly install the software and start using. As
the software has been implemented for performing all the tasks related to client
information system and as a result it will reduce the complexity at work.

Fig 4.1 Account form (KYC) implementation


53

4.3.1 System Security Implementation


Login menu is for the user that has registered already and simply wishes to
access the system. Fig 4.2 shows the user interface that captures data from a
new user. Here the user supplies username and password which are verified for
validity and existence, if they already exist, they are rejected, but if they are
unique and valid, the username and password are created for that user.

Fig 4.2 Admin and Customer Login implementation


4.3.2 Implementation of the Feedback Table Design
Fig 4.3 is the implementation of the user interface that captures feedback data
from users in terms of how they feel about the system, their comments,
recommendations, etc. When this information is supplied, it is captured and
stored in the feedback database table.

Fig 4.3 feedback Interface

4.3.3 Implementation of Transaction Table Design


Fig 4.4 is the implementation of teller interface for crediting and debiting of an
account that captured data and stored in the transaction database table.

Fig 4.4 Transaction Interface


54

4.4 THE TEST PLAN


The test plan used in this project was to test the modules, the subsystems and
then the entire system. The testing was done in two parts: unit testing and
integration and final testing.
4.4.1 Test Data, Expected versus Actual Test Result
At subsystem level testing, each subsystem was taken as the test data while at
module level testing; each module was taken as the test data. The entire system
was also taken as the test data during the system testing. During this testing, the
expected result was noted, which was compared with the actual result that came
up. These step by step processes were taken in all the stages of the testing
process and are hereby presented in the following tables.
4.4.2 Testing the database
The database was tested by supplying sample data to each of the database tables
and then verifying that the data supplied is reflected in the database.
Account Number Testing
Test Data

Expected Result

Actual Result

It was expected to Account number Account number


Account Number
on every registration.
automatically appeared on
every registration made.
Table 4.1 Account Number Testing
Account KYC Form Testing
Test Data

Expected Result

Actual Result

Registration Form

It was expected to see the registration The registration form was


form ready to capture data from users.
displayed and when data
were supplied, it reflected
appropriately in the database.
Table 4.2 Account KYC form Testing
Login Page Testing

Test Data
Login Form

Expected Result

Actual Result

It was expected to see the logon form


displayed and ready to accept input from
user. The database was also expected to be
updated with the information supplied on
the logon form.
Table 4.3 Login page Testing

The
logon
page
was
displayed and when data was
supplied, it reflected in the
database.

55

Feedback Form Testing

Test Data

Expected Result

Actual Result

It was expected to see the feedback Form The


Feedback Form

feedback

form

was

displayed and ready to accept input from displayed and when data was
the user. The database was also expected supplied, it reflected in the
to be updated with the data inputs database.
supplied.
Table 4.4 Feedback Form Testing

4.4.3 Testing the Admin side


On testing the Admin side, all the admin side subsystems were tested as well
as their individual modules. There was unit and general testing, in other
words each module was tested individually and finally tested collectively as
a subsystem.
Here, the individual modules were tested followed by the subsystem testing.
Test Data

Expected Test Result

Add Account

The application form was expected to The subsystem driver was able to
display when this test data button was display the application form,
clicked on. It was also expected to be which was ready to capture data
ready to capture inputs from the user. inputs.
The user interface for making this The user interface was displayed
request was expected to display and and data inputs were supplied.
capture inputs when supplied.
It was expected to return the user to When the test data button was
the login page when this button is clicked on, the user was returned
clicked on.
to the login page.
It was expected to see this subsystem The subsystem and the modules
displayed with all the modules were displayed accordingly and
represented when you click on the each of the modules is
buttons. It displayed all the customer performing the function for
information.
which it was designed.
It was expected to see all the The button was click on and
customer account details.
account deleted.
The application form was expected to The subsystem driver was able to
display when this test data button was display the application form,
clicked on. It was also expected to be which was ready to capture data
ready to capture inputs from the user. inputs.
Table 4.5 Admin page Testing

Update Account
Status
Log out

View Account

Delete Account
Staff
Registration

Actual Test Result

56

Teller Testing
Here, all the modules were tested separately and then collectively.
Test Data
Check Account
Balance

Credit Account

Debit Account

Log out

Expected Test Result

Actual Test Result

It was expected to see the user The page was displayed and ready
interface that allows a user to enter to capture information from users
account number.
and the account balance was
displayed.
It was expected to see the user The account was credited amount
interface to key in account details, was displayed.
amount and teller number,
When this button is clicked on, it The account was debited amount
was expected to see interface to was displayed.
key in account details, amount and
cheque number.
When clicked, the user was When the test data button was
expected to be taken to the login clicked on, the user was returned
page.
to the login page.
Table 4.6 Teller page Testing

4.4.4 Testing the Customer side

On testing the customer side, all the client side subsystems were tested as well
as their individual modules. There was unit and general testing, in other words
each module was tested individually and finally tested collectively as a
subsystem
Main Menu Testing
Test Data

Expected Test Result


Actual Test Result
When this button is clicked on, it When it was clicked, the account
Check Balance was expected to display account balance was displayed.
balance
When this button is clicked on, it When it was clicked, the transaction
was expected to display all the detail was displayed.
Transaction
transaction details.
When this button is clicked on, it When it was clicked, the account
Print A/C
was expected to display the account statement was printed.
Statement
statement.
When clicked, the user was When the test data button was
Log out
expected to be taken to the login clicked on, the user was returned to
page.
the login page
Table 4.7 Customer page Testing

57

4.4.5 Integrated Testing


After the unit and general testing, all the modules in each subsystem were
integrated into one subsystem and tested and finally all the subsystems
were integrated into one system and equally tested.
4.4.6 System Evaluation
The system performance was satisfactory. It is very simple to use.
Performance evaluation was carried out in all the testing process
including the unit and general testing.

58

CHAPTER FIVE
SUMMARY, CONCLUSION AND RECOMMENDATIONS
5.1 SUMMARY
A summary of the achievements of this project, the existing system was
analyzed, after which information were gathered followed by the analysis
of those data. Based on the analysis, the limitations of the existing system
were identified which initiated the choice of this project topic. This was
followed by the system design, specification, database design, client side
design, server side design, interface design and system security design.
The implementation of these designed units was carried out successfully.
After the design and implementation of the various units, system testing
was carried out both on unit and general testing basis using test data to
check the expected and actual test result. Finally, the performance
evaluation of the system was certified since it is doing what it was
designed to do.
5.2 LIMITATION
On the course of this project, many problems were encountered. Some of
which includes: lack of knowledge of Adobe CS5, this problem was
solved by learning this programming Language. Lack of adequate finance
to run around for the project, this was solved by getting money from
some family members. Unavailability of some answers to research
questions from textbooks and other sources, the solution was to interact
with some Information Technology staff whom their practical
experiences really helped in the project implementation.

59

5.3 RECOMMENDATIONS
We strongly recommend that companies, industries, institutions, business
organizations should start using this software as it will go a long way
eradicating many of their difficulties in their various business endeavors.

5.4 B.E.M.E (Bill of Engineering Measurement and Evaluation)


System Costing: The software was realized with about two hundred and
forty eight thousand naira only.
The expenses are as presented in table 5.1.
Item

Amount (N)

Adobe CS5 Programming 30,000.00


Tutorial
Laptop Computer
120,000.00
Internet Browsing

20,000.00

Phone Calls

5,000.00

Transportation

10,000.00

Printing

15,000.00

Compact Disks

500.00

GSM handset

25,000.00

Other Logistics

14,500.00

Total

N240,000.00
Table 5.1 Project Expenses

5.5 CONCLUSION
The aim of this project is to provide a computerized banking system to be
used in the bank. This project has been successfully completed and will
go a long way to change the mode of operation of May Fresh Bank
especially to improve efficiency of the bank.
60

REFERENCES
Bergstrom, R. (1994), ATM Attached Importance and Techniques, London:
Pitman publication ltd.

Charp, S. (1994), Networking and Telecommunications. Technical Horizons in


Education, New York: John Publishing.

Fluaghter, R. (1990), Computerized Adaptive Testing, Hillsdale, New York:


ACM press.

Glass, H. (2000), Interpretation of International Banking System, New Jersey:


Vintage publication.

Kingsbury, A. (2000), Mobile Banking Services and Operations, Birmingham:


Morgan Kaufmann Publishers.

Klausmeier, J. (1984), Networking and Microcomputers Eric Digest NY,


Clearing House on Information Resources, New York: Academic press.

Lewis, I. (2001), Computerization of Banking Systems, New York: Pearson


Publication.

61

Molina, J.K. (1997), Item Banks Information Storage and Management;


Analysis of a Computer System, Megrowhill, New York: Vintage books.

Olea, J. & Prieto, G. (1999), Tests Information: Fundamental Application.


Educational Research, Washington DC: DP Publication ltd.
Renom, J. (1997), Perspective Tests Adaptive Information, New York: Yarchi
Press.

Sands, W. (1997), Computerized Adaptive Testing, American Psychological


association, Washington DC: McGraw Hill.

Vossen, G. (1991), Data Models, Database Languages. And Database


Management Systems Adison-Wesley Publishing, New Orleans: Pitman
Publication.

Wise, S., & Kingsbury, G. (2000), Practical Issues in Developing and


Maintaining a Computerized Adaptive Test: Fundamental Application,
New York: ACM Press.

62

APPENDIX A
SOURCE CODE
<?php
session_start();
$username = $_SESSION['username'];
$fullname=$_SESSION['fullname'];
if(!$username){
header("Location: index.php");
}
?>
<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0
Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1transitional.dtd">
<html xmlns="http://www.w3.org/1999/xhtml">
<head>
<meta http-equiv="Content-Type" content="text/html; charset=utf-8" />
<title>Admin</title>
<link href="admin.css" rel="stylesheet" type="text/css" />
<script src="SpryAssets/SpryMenuBar.js" type="text/javascript"></script>
<link href="SpryAssets/SpryMenuBarHorizontal.css" rel="stylesheet"
type="text/css" />
<script type="text/javascript" src="scripts/jquery-1.4.1.min.js"></script>
<script type="text/javascript"
src="scripts/jquery.jcarousel.pack.js"></script>
<script type="text/javascript"
src="scripts/jquery.jcarousel.setup.js"></script>
</head>
<body>
<div id="head">
<div id="header"></div>
</div>
<div id="nav">
<div id="main_nav">
<ul id="MenuBar1" class="MenuBarHorizontal">
<li><a href="admin.php">HOME</a></li>
<li><a class="MenuBarItemSubmenu"href="#">Account</a>
<ul>
<li><a href="newacc.php">Add Account</a></li>
<li><a href="updateacc.php">Update</a></li>
<li><a href="deleteacc.php">Delete Account</a></li>
<li><a href="viewacc.php">View</a></li>
63

</ul> </li>
<li><a href="trans.php">Transaction</a></li>
<li><a class="MenuBarItemSubmenu" href="#">Staff</a>
<ul>
<li><a href="addstaff.php">Add Staff</a></li>
<li><a href="edit.php">Edit Staff</a></li>
<li><a href="deletestaff.php">Delete Staff</a></li>
<li><a href="viewstaff.php">View</a></li>
</ul> </li>
<li><a href="profile.php">Profile</a></li>
<li><a href="logout.php">Log Out</a></li>
<li><div class="t">Welcome :<?php print $username; ?> </div></li>
</ul></li></ul>
<div id="clearfix"></div>
</div></div>
<script type="text/javascript">
var MenuBar1 = new Spry.Widget.MenuBar("MenuBar1",
{imgDown:"SpryAssets/SpryMenuBarDownHover.gif",
imgRight:"SpryAssets/SpryMenuBarRightHover.gif"});
</script>
<div id="main_content">
<?php
include 'connection.php';
connect();
select_db();
$transDate = date("Y-m-d h:m");
//Debit account
?>
<div class="center">
<table width="100%" border="0" cellpadding="5" class="text1">
<?php
$usQry = mysql_query("select * from user where username =
'$username'") or die(mysql_error());
$usRow = mysql_fetch_array($usQry);
$fullname = $usRow['fullname'];
$lastlog = $usRow['lastlog'];
?>
<tr>
<td align="center"><h2>Welcome to DataBase Management of MayFresh
Savings And Loans Bank LTD.</h2></td>
</tr>
<tr>
64

<td align="center"><strong>Your Name is:</strong><h2> <?php print


"$fullname"; ?></h2></td>
</tr> <tr>
<td align="center"><strong>Date and Time of Login:</strong><h2>
<?php print $lastlog; ?></h2></td>
</tr><tr>
<td>&nbsp;</td></tr>
</table>
</div>
<div id="clearfix"></div></div>
<div id="footer"> <table border="0" align="center"><tr>
<td bgcolor="#CC6633">&copy; Copyright MayFresh Savings & Loans
Bank 2012.Powered By <a href="http://www.oremtech.com" >Aremu
Babatunde O/ CE/2007/178</a></td></tr></table>
</div></div>
</body>
</html>

65

APPENDIX B
SAMPLE OF OUTPUT
Main Interface of the page

Fig 5.1 Main Interface with admin login


Admin Page

Fig 5.2 Admin welcome page interface

66

Update of Customer Account Details

Fig 5.3 Update Customer Details


The Teller Interface

Fig 5.4 Checking of Account Balance

67

The Teller Interface for Crediting of Account

Fig 5.5 Crediting of Account

The Teller Interface for Debiting of Account

Fig 5.6 Debiting of Account

68

Customer Account Statement Page Interface

Fig 5.7 Customer Transaction Details

69