Chapter-1

PROBLEM DEFINITION

1.1 Introduction of the Project

1.11 Online banking, also known as internet banking, e-banking or virtual banking, is an
electronic payment system that enables customers of a bank through the bank’s website. The
online banking system will typically connect to or be part of the core banking system operated by
a bank and is in contrast to branch banking which was the traditional way by which customers
accessed banking services.

1.2 Brief Description of the project

1.21 To access a bank’s online banking facility, a customer with internet access will need to
register with the bank for the service, and set up a password and other credentials for customer
verification. The credentials for online banking is normally not the same as for telephone or
mobile banking. Banks now routinely allocate customers numbers, whether or not customers
have indicated an intention to access their online banking facility. Customer numbers are
normally not the same as account numbers, because a number of customer accounts can be
linked to the one customer number. Technically, the customer number can be linked to any
account with the bank that the customer controls, though the bank may limit the range of
accounts that may be accessed to savings, loan, credit card and similar accounts.

1.22 The customer visits the bank’ssecure website, and enters the online banking facility using
the customer number and credentials previously set up. The types of banking transactions which
a customer may transact through online banking are determined by the bank, but usually includes
obtaining account balances, a list of the recent transactions, electronic bill payments and funds
transfers between a customer's or another's accounts. Most banks also enable a customer to
download copies of bank statements, which can be printed at the customer's premises (some
banks charge a fee for mailing hard copies of bank statements). Some banks also enable
customers to download transactions directly into the customer's accounting software. The facility

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may also enable the customer to order a cheque book, statements, report loss of credit cards, stop
payment on a cheque, advise change of address and other routine actions.

1.3 General Description of the System under study

1.31 The online banking system provides the new users the registration module for registering in
the system. When the user successfully register in the system they will get a user id and
password to login in the system using the login module and after logging in they will be provided
with the account module where they can apply for the account and the account number will be
automatically generated by the system and they will select the type of account the user wants for
him/her that is the current account, saving account or the student account and sends request to
the admin. The admin will look after the requests by using the admin login module. One user
can apply for only one account for him/her but can send the request for further accounts too but
the last decision will be taken by the admin that he will allow the same user for more than one
account or not. The request will be taken care by the admin. After opening of the account the
user have all the facilities that a bank provides that is he/she can transfer money and can pay
online. Then the user will have service module that will help the customer for the bank services
that is loan facility. The system will provide the report module which gives the history of the
account that how much money is transferred or saved in the account. The report module will
give each and every transaction detail of the account. And at last, we have the feedback module
which is just for a review of the customer that what they feel about the system and what changes
should be done for the betterment of the system.

1.4 User Requirements

1.41 In the existing system the transactions are done only manually but in proposed
system we have to computerize all the banking transaction using the software Banking
system. In the existing system we have some drawbacks that it has lack of security of data. The
existing system dediacted to paperwork, which leads to time consuming. The existing system
requires more man power. In existing system their is no direct role for the higher officials.

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Existing system consumes large volume of pare work. Existing system needs manual
calculations which requires a lot of time and still no accuracy.

1.5 Establish the Need of the New System

1.51 The proposed system supports to avoid all these limitations and make the working more
accurately the system needs to be computerized. The aim of proposed system is to develop a
system of improved facilities. The proposed system can overcome all the limitations of the
existing system. The System provides proper security and reduces the manual work.

1.52 The system is very simple in design and to implement. The system requires very low
system resources and the system will work in almost all configurations. It has got
following features:

a) Security of data.
b) Ensure data accuracy’s.
c) Proper control of the higher officials.
d) Minimize manual data entry.
e) Minimum time needed for the various processing.
f) Greater efficiency.
g) Better Service.
h) User friendliness and interactive.
i) Minimum time required.

1.6 Objective of the project

1.61 The Online Banking System has been developed to overcome the problems prevailing in
the practicing manual system of Bank. This Software is supported to eliminate and reduce the
hardships faced by this existing system. Moreover this system is designed for the particular need
of the company to carry out operations in a smooth and effective manner.

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1.62 The application is reduced as much as possible to avoid errors while entering the data. It
also provides error message while entering invalid data. No formal Knowledge is needed for the
user to use this system. Thus by this all it proves it is user- friendly. Online Banking System , as
described above, lead to error free , secure , reliable and fast management system. It can assist
the user to concentrate on their other activities rather to concentrate on the record keeping. Thus
it will help organization in better utilization of resources.

1.63 Every organization, has challenges to overcome and managing the information of Account ,
Bank needs , therefore we design exclusive employee management systems that are adapted to
your managerial requirements. This is designed to assist in strategic planning and will help to
ensure that the organization is equipped with the right level of information and details for the
future goals.

1.64 These were quite easy to do but I wanted to explore more and find out how actual coding is
done. I did a lot of research on it and came to the conclusion that it can be achieved using JSP
language. So, I believe that it can achieved and hopefully I will be able to develop a successful
Online Banking website.

1.7 Methodology
1.71 In this project Classic SDLC methodology was used. The system development life cycle
(SDLC) or software development process is a process of creating or altering information system,
and the models and methodologies that people use to develop these system. It aims to produce a
high quality system that meets or exceeds customer expectations, reaches completions within
time and cost estimates. .Justification of using SDLC (software Development Lifecycle Model)
in this project:

a) Simple goal
b) Simple to understand and use
c) Clearly define stages
d) Well understood milestones
e) Easy to arrange tasks

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 f) Process and results are well documented
g) Easy to manage
h) Each phase has deliverable and a review
i) Work well for projects where requirements are well understood
j) Works well when quality is more important than schedule
k) Customers/End users already know about it

1.72 The stage it involves can be characterized and divided up in different ways, including the
following:

1.73 Requirement Analysis : Requirement gathering and analysis is the first stage of any SDLC
model. This phase is basically the brainstorming phase and often consists of sub-stages like
Feasibility Analysis to check how much of the idea can be put into action. If any particular
software needs to be modified, the underlying problem of that software is sorted out along with
finding ways to solve it. If brand new software is going to be developed, then every minute
requirement regarding that software is looked in to. This implies that this stage involves
maximum research and inputs from both the company that is developing the software and the
client.

1.74 System and Software Design : This is the second phase of SDLC where the entire system is
defined in detail. In fact, it this stage wherein a detailed blueprint of various processes of the
software is developed. If needed the system is divided into smaller parts to make it easier more
manageable for the developers, designers, testers, project managers and other professionals who
are going to work on the software. System Design helps in specifying hardware and system
requirements and also helps in defining overall system architecture. The system design
specifications serve as input for the next phase of the model.

1.75 Implementation and testing : On receiving system design documents, the work is divided
in modules/units and actual coding is started. The system is first developed in small programs
called units, which are integrated in the next phase. Each unit is developed and tested for its

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functionality; this is referred to unit testing. Unit testing mainly verifies if the module/units
meet their specifications.

1.76 Integration and System testing : As specified above, the system is first divided into units
which are developed and tested for their functions. These units are integrated into a complete
system during integration phase and tested to check if all modules/units coordinate with each
other and the system as a whole behaves as per the specifications. After successfully testing
software, it is delivered to the customer.

1.77 Operations and Maintenance : This phase of the model is virtually a never ending phase.
Generally, problems with the system developed (which are not found during the development
lifecycle) come up after its practical use starts, so die issues related to the system are solved after
deployment of the system. Not all the problems come into picture directly but they arise from
time to time and need to be solved, hence this process is referred to as maintenance.

1.8 Project Planning

1.81 Project planning is a discipline for stating how to complete a project within a certain
timeframe, usually with defined stages, and with designated resources. At the beginning of the
project, proper timeline is being set for the design and implementation of the software and what
language to be used in writing the software. After thorough follow up we then develop a time-
line for the project when would be the first version for software will be releasing and the
estimated time that would be used for refactoring. Same follows up for the other versions of the
software and their estimating time. Deciding the project title is also done here only.

1.82 Gantt chart : Gantt chart is a type of a bar chart that is used for illustrating project
schedules. Gantt charts can be used in any projects that involve effort, resources, milestones and
deliveries. At present, Gantt charts have become the popular choice of project managers in every
field. Gantt charts allow project managers to track the progress of the entire project. Through
Gantt charts, the project manager can keep a track of the individual tasks as well as of the overall
project progression. In addition to tracking the progression of the tasks, Gantt charts can also be
used for tracking the utilization of the resources inthe project.

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Figure no-1.1: Gantt chart

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 Chapter-2
SYSTEM REQUIREMENT SPECIFICATION

2.1 Introduction

2.11 Requirement analysis is usually the first phase of large-scale software development project
.The “Online Banking System” has been developed to override the problems prevailing in the
practicing manual system. This Software is supported to eliminate and in some cases reduce the
hardships faced by this existing system. Moreover this system is designed for the particular need
of the company to carry out operations in a smooth and effective manner.

2.2 Process Identification: Based on the requirement gathered we divide the system into
modules and these are :
2.21 Module 1: Login Module :- This module is considered with login of customers. Every
customer is provided with a particular user id and password at the time of registration. The
administrator can’t login from this module. The main objective behind this module is to provide
security to the project so that access is restricted to the authorized users.

a) Input is taken as ID and password that the user enters.

b) This user login and password entered by the user is sent to the database to check the
information.
c) If the login succeeded then it means the user is a valid user and he / she can access the
project.

2.22 Module 2: Admin login Module :- This Module is considered with the Administration
login. Only Admin can login from this module with the specific Admin user id and Password. He
can insert, delete or update customer’s login name and password. This module checks the
authenticity of the person accessing the project.

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2.23 Module 3: Registration Module :- This Module is considered with the Registration of the
user to get particular user id and password for login module. After Registration in this module
user can further access transaction module, statement module, can request for account creation
whether it is saving, current or Student account.

2.24 Module 4: Transaction Module :- This Module is mainly considered with three sub modules
that is Deposit module, Withdrawal Module, Balance Transfer module. User can deposit money ,
withdraw money and transfer money to another account.

2.25 Module 5: Account Module :- In this module user can request for the account creation.
Here user have to enter the account holder name and select the account type i.e saving, current or
Student respectively. Then the random account number will be given to that account holder name
until Admin accept the request for the account opening.

2.26 Module 6: Service Module :- This Module mainly Deal with providing services to the
registered user. Here services mean providing loan to the customers.

2.27 Module 7: Report Module :- This module will generate the reports for the entire software
like, transaction made by the users. Similarly, when a particular customer has to collect the
information for a particular date or time, on which, transaction were made by the customer.
Report contains Account number, operation, amount, balance and with proper date/time.

2.28 Module 8: Feedback Module :- This main objective of this module is to get feedback about
our project from the user. User will send their reviews about any problems which they have
faced while using this project and then Developer will fix those problems. The Main objective of
this module is to get ideas from user point of view.

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2.3 Inputs to and outputs of each Process:- For all above module we identify the processes
which constitutes of requirement, input, processing and output.

2.31 Login Module

Input : Login ID, Password.
Process: click on the login link. If user enters ID and password correct it goes to the services
otherwise displays the same page with an error massage.
Output: Displays the service page.

2.32 Administrator Module

Input: admin ID, Password.
Process: click on the login link. If administrator enters ID and password correct it goes to the
admin services otherwise displays the same page with an error massage.
Output: Displays the admin services page.

2.33 Transaction Module

a) R1 :Withdrawl Module
Input: account no., amount.
Process: click on the withdraw link. If user enters all the information correct it will withdraw the
amount specified by the user from the account otherwise displays the same page with an error
massage.
Output: Displays the same page with successful withdraw message.
b) R2 : Deposit Module
Input: account no., amount.
Process: click on the Deposit link. If user enters all the information correct it will deposit the
amount specified by the user to the account otherwise displays the same page with an error
massage.
Output: Displays the same page with successful deposited message.
c) R3 : Transfer Module
Input: account no., amount ,rec_accountno.

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Process: Click on the Transfer link. If user enters all the information correct it will transfer the
amount specified by the user to the account otherwise displays the same page with an error
massage.
Output: Displays the same page with successfully Transfered message.

2.34 Account Module

Input : Holder_name , acc_type
Process : After Login user can request for account opening by selecting the account type and
entering account holders name. After that random account number will be given to the customer.
And request for that account will be send to the admin for approval.
Output : Display the same page with message approval request sent to the admin.

2.35 Service Module

Input : loan_type ,lamount,
Process : loan approved.
Output : Display the same page with message loan approved.

2.36 Report Module

Input :loginid , password
Process : After clicking the report link user will redirected to the report module .
Output : Displays the same page with transaction history of the account that is linked with that
login id and password

2.37 Feedback Module

Input : name , email, comment
Process : After using the website the user will be asked for the feedback.
Output : Display the same page with message Thank you for your feedback.

2.38 Registration Module

Input : name ,address, age, sex, phoneno, adhar

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Process : This Module is considered with the Registration of the user to get particular user id and
password for login module. After Registration in this module user can further access transaction
module, statement module, can request for account creation whether it is saving, current or
Student account.
Output : Displays the same message with account successfully created.

2.4 Data elements(fields) in each Input & Output:-

2.41 Login Module

a) userid
b) upass
c) code
2.42 Admin Login Module
a) admin_id
b) password
2.43 Registration Module
a) cid
b) uname
c) upass
d) dob
e) address
f) mobile
g) email
h) city
i) pin
j) sec_question
k) answer
2.44 Transaction Module
a) Withdraw Module
i) Accno

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 ii) Balance
iii) Uname
iv) Acc_type

b) Deposit Module
i) Accno
ii) Balance
iii) Uname
iv) Acc_type
c) Transfer Module
i) Accno
ii) Balance
iii) Rec_accno
2.45 Account Module
a) accno
b) balance
c) uname
d) acc_type
2.46 Service Module
a) accno
b) email
c) contact_no
d) name
e) address
f) interest
g) amount
2.47 Report Module
a) accno
b) date
c) balance
d) type

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2.48 Feedback Module
a) name
b) phone
c) email
d) message

2.5 Procedures/Rules/Mathematical Relationships used for converting Input into output

2.51 Login Module :- To use the system, registered user has to login into the system to access all
the services provided for banking like account details , deposit , withdraw and transfer amount to
other accounts.

a) Transaction Module :-This is mainly considered with three sub modules that is Deposit
module, Withdrawal Module, Balance Transfer module. User can deposit money , withdraw
money and transfer money to another account.

b) Account Module :- Here user can request for the account creation. Here user have to enter the
account holder name and select the account type i.e saving, current or Student respectively. Then
the random account number will be given to that account holder name until Admin accept the
request for the account opening.

c) Service Module :- This Module mainly Deal with providing services to the registered user.
Here services mean providing loan to the customers.

d) Report Module :- This will generate the reports for the entire software like, transaction made
by the users. Similarly, when a particular customer has to collect the information for a particular
date or time, on which, transaction were made by the customer. Report contains Account
number, operation, amount, balance and with proper date/time.

2.52 Admin login Module :- This Module is considered with the Administration login. Only
Admin can login from this module with the specific Admin user id and Password. He can insert,
delete or update customer’s login name and password. This module checks the authenticity of the
person accessing the project.

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2.53 Registration Module :- This Module is considered with the Registration of the user to get
particular user id and password for login module. After Registration in this module user can
further access transaction module, statement module, can request for account creation whether it
is saving, current or Student account.

2.54 Feedback Module :- This main objective of this module is to get feedback about our project
from the user. User will send their reviews about any problems which they have faced while
using this project and then Developer will fix those problems. The Main objective of this module
is to get ideas from user point of view.

2.6 Controls (for I/O & Access), security Need, validation rules and code used for data
element :- The Controls used in the development of the input/output interface and data accessing
interface for Online Banking System are:

Labels Controls used Buttons

User Login
Login Email Textbox Login in
Password Password
Registration
cid Textbox Register
uname Textbox Cancel
upass Textbox Reset
dob Drop Down list
address Textbox
mobile Textbox
email Textbox
city Textbox
pin Textbox
sec_question Textbox
answer Textbox

Admin Login
admin_id Textbox login
Password Textbox

Table No-2.1:Control Used In Online Banking System

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Withdraw Form
Accno Textbox
Balance Textbox Withdraw
Uname Textbox
Acc_type Drop Down List

Deposit Form Deposit

Accno Textbox Cancel
Balance Textbox
Uname Textbox
Acc_type Textbox
Drop Down List
Transfer Form
Accno Textbox Transfer
Balance Textbox Cancel
Rec_accno Textbox

Open Account
accno Textbox
uname Textbox Submit
acc_type Drop Down List

Service
accno Textbox
email Textbox Apply
contact_no Textbox Cancel
name Textbox
address Textbox
interest Textbox
amount Textbox

Report
accno
date Table
balance View Report
type

Feedback Module
Name Textbox
phone Textbox Submit
email Textbox Cancel
message Textbox

Table No-2.1:Control Used In Online Banking System

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2.61 Security Requirement and Validation Rules
a) Security requirements

i) When any user attempting into the system by using id and password the system first
check for validation of id and password , if valid then allow further processing otherwise
display a warning message.
ii) Every user(admin or user) can use the services according to the privileges.

2.62 Validation Rules:-

a) JavaScript provides the following validation Rules:

i) Required Field Validator: The Required Field Validator control ensures that the required
field is not empty. It is generally tied to a text box to force input into the text box. For eg-
if Area is left undone by user then he will not be able to proceed further. So validation is
put there.
ii) Range Validator: The Range Validator control verifies that the input value falls within a
predetermined range.

Properties Description
Type Define types of the data like
date,double,integer,string
Minimum It specifies minimum of the range
Maximum It specifies maximum of the range
Table No-2.2:Range Validator

iii) Compare Validator: The Compare Validator control compares a value in one control with
a fixed value or a value in another control. It has the following specific properties:

Properties Description
Type Define types of the data like
date,double,integer,string
Control to It specifies the value of the input
Compare control to compare with
Value to It specifies the constant value.
Compare
Table No-2.3:Compare Validator
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2.7 Deficiencies in existing system
2.71
2.8 Suggestions for removing deficiencies
2.81

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