Project Specification Page 1

ONLINE BANKING SYSTEM

Abstract

Online banking isn't out to change your money habits. Instead, it uses today's computer
technology to give you the option of by passing the time-consuming, paper-based aspects of
traditional banking in order to manage your finances more quickly and efficiently.

For years, financial institutions have used powerful computer networks to automate millions of
daily transactions; today, often the only paper record is the customer's receipt at the point of
sale. Now that its customers are connected to the Internet via personal computers, banks
envision similar economic advantages by adapting those same internal electronic processes to
home use.

Banks view online banking as a powerful "value added" tool to attract and retain new
customers while helping to eliminate costly paper handling and teller interactions in an
increasingly competitive banking environment.

Online banking services

Most online banking sites offer these basic services:

 View account balances, including checking, savings and securities

 Access account history
 Transfer funds between accounts

Advantages of online banking

Convenience: online banking sites never close; they're available 24 hours a day, seven
days a week.

Ubiquity: If you're out of state or even out of the country when a money problem arises,
you can log on instantly to your online bank and take care of business, 24/7.

Transaction speed: Online bank sites generally execute and confirm transactions at or
quicker than ATM processing speeds.

Efficiency: You can access and manage all of your bank accounts, including IRAs, CDs,
even securities, from one secure site.

Manage your accounts online

When you sign up for online banking, you designate which accounts you wish to access online.
Then you will be issued a user ID and temporary password via regular mail, e-mail or both,
with instructions on how to use them to access the secure online banking portion of your
bank's site where your account information is available.

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Data Flow Diagram

User

No
Validate

Yes

Master Transaction Recurring Reports

Deposit

Customer Savings Daily

Vendor Deposit Monthly
Withdraw Typewise
Loan

Database

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Many banks require you to change your password for every 30 days. You will have
access to all of the accounts that you have registered for online banking. You can easily
view your current balances and payments, complete account history. Most sites have a
financial summary page that lists all registered accounts.

Introduction

Bank Limited is planning to provide Internet banking to their customer. The customer is able to
do the Banking from his home, office or even out of home.

Whether it is to check his account balance, transfer money, pay his electricity bill, request for a
demand draft to be made or to keep in touch with his Relationship Manager at XYZ Bank.

Database Schema

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Detailed Explanation of the Database Schema

Table: USER_DETAILS

Column Name Data Type Description

User_Code VARCHAR(3) Unique code for every customer
User_Name VARCHAR(20) Unique user name for every customer
Password VARCHAR(20) Password for the user

Table: ACCOUNT_TYPE

Column Name Data Type Description

Acc_Type VARCHAR(2) Unique identification of a Account Type (SB, RD,FD)
Acc_Desc VARCHAR(20) Name of the Account Type (Saving Bank, Recurring Deposit, Fixed Deposit)
Interest_Rate INTEGER Interest will be varies for different Account Type

Table: USER_HISTORY

Column Name Data Type Description

Account_No VACHAR(14) Unique identification of an every account
User_Code VARCHAR(3) Refers to the User_Code field of the User_Details Table
Account_Holder_Name VARCHAR(50) Name of the Account Holder
Acc_Type VARCHAR(2) Refers to the Acc_Type field of the Account_Type Table
Account_Currency VARCHAR(3) INR->Indian Currency, USD-> US Dollars
Available_Balance INTEGER Available Balance in the Account
Overdraft_Limit VARCHAR(1) Y->Yes or N->No
Openning_Date DATETIME Default Current Date

Table: TRANSACTION

Column Name Data Type Description

Account_No VARCHAR(14) Refers to the Account_No field of the User_History Table
Trans_Date DATETIME Default Current Date
Trans_Type VARCHAR(2) CR->Credit or DR-Debit
Trans_Details VARCHAR(20) Details about Credit or Debit Information

Table: ACCOUNT_STATIS
Column Name Data Type Description
User_Code VARCHAR(3) Refers to the User_Code field of the User_Details Table
Prev_Log_Date DATETIME Last Login Date
Prev_Log_Time DATETIME Last Login Time
Logon_Status VARCHAR(10) Last Logon Status ( Success or Failure , it will be stored)
Table: COUNTRY_CODE
Column Name Data Type Description
Country_Code VARCHAR(3) Unique identification of an every country
Country_Name VARCHAR(20) Name of Country

Table: ATM_LOCATORY
Column Name Data Type Description
ATM_Code VARCHAR(10) Unique identification of an every country
Country_Code VARCHAR(3) Refers to the Country_Code field of the ATM_Locator Table
Address VARCJAR(25) Address for the corresponding ATM
Street VARCHAR(25) Street for the corresponding ATM

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Pincode INTEGER Pincode for the corresponding ATM

Table: ATM_LOCATORY
Column Name Data Type Description
Branch_Code VARCHAR(10) Unique identification of an every branch code
Country_Code VARCHAR(3) Refers to the Country_Code field of the Branch_Locator Table
Address VARCJAR(25) Address for the corresponding Branch
Street VARCHAR(25) Street for the corresponding Branch
Pincode INTEGER Pincode for the corresponding Branch

Main Screen

Registration for New User

After all information is accepted from the user, the desired USERID is checked for uniqueness. If
some other user is using that id, an error message is displayed and the user is prompted to
choose a different sign on name. Otherwise, if the desired sign on name is unique, a mail is sent
to the user’s id, confirming his/her successful registration.

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Logon Already Existing

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View Account Details

This Screen will display the Account Type, Account No, Account Currency, Account Balance,
Credit Interest.

View Account Histor

It will displays the transaction between the Fom_Dates to To_Dates.

ATM/BRANCH LOCATOR

Through this screen the user know the ATM & Branch address

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