A PROJECT ONLINE BANKING

Submitted By
Amit Sharma
Priya Das
Sudarshana
Das
BACHELOR OF COMPUTER APPLICATION
IN
DEPARTMENT OF COMPUTER APPLICATION

Asansol Engineering College

This is to certify that the project work entitled ONLINE BANKING is a

This is to certify that the project work entitled ONLINE BANKING is a bonafide
bonafide record of work carried out in the Department of Computer
record of work carried out in the Department of Computer Application, Asansol
Application, Asansol Engineering College, Asansol.
Engineering College, Asansol.

Name

Roll Number

Name
PRIYA
DAS
AMIT SHARMA

Roll Number
20

PRIYA
DAS
AMIT
SHARMS
SUDARSHANA
DAS
SUDARSHANA
DAS

28

10801213002
10801213020
10801213028

Registration
Number
Registration Number
10801213020
131081010002
131081010020
131081010028
10801213028

The students of 5th Semester BCA 2015-16 under my / our supervision in

The students of 5th Semester BCA 2015-16 under my / our supervision in
requirement of partial fulfillment of the Award of Degree of BCA from
requirement of partial fulfillment of the Award of Degree of BCA from
MaulanaAbulKalam Azad University of Technology, West Bengal.

MaulanaAbulKalam Azad University of Technology, West Bengal.

Signature of
The Project Guide
Name: Dr. /MrAmitava Chakraborty
Designation: Assistant Professor

Recommendation &Signature of
The Head of Department
Name: Dr. D. K. PAL

Recommendation & Signature of

The Principal
Name: Dr. M. G. TIARY

Recommendation &Signature of
Internal / External Examiners

Page | 1

DECLARATION
I,

hereby

declare

that

the

project

entitled

ONLINE

BANKING submitted is our original work and the project

has not formed the basis for the award of any degree,
associate ship, fellowship or any other similar titles. And the
information submitted herein is true and original to the best
of our knowledge.

Name : Amit Sharma

Signature :
Name : Priya Das
Signature : .
Name : Sudarshana Das
Signature : ..

Page | 2

ACKNOWLEDGEMENTS

We are greatly acknowledge to our teachers without whose

constant support we would not have been able to complete
our project titled ONLINE BANKING.We are especially
grateful to our project mentor Amitava Chakraborty who has
helped us to complete this project by sharing his valuable
knowledge with us.Above all our sincere gratitude goes to
our CA department H.O.D Dr. Dibyendu Kumar pal for proving
us his constant support and CA project lab for completing our
task successfully.

Team members

Amit Sharma
Priya Das
Sudarshana Das

ABSTRACT

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The adoption of Electronic Banking by commercial enterprises

has been in existence since the mid-90s, much greater in
number due to lower operating costs associated with it.
Electronic banking has initially been in the form of automatic
teller machines and telephone transactions.
More recently, it has been transformed by the Internet, a new
delivery channel for banking services that benefits both
customers and banks.
Internet banking system services can include: Open an
account, Balance enquiry, Request for Chequebook,
Beneficiary payments (EFT), Viewing monthly.
Furthermore, customers application for electronic banking
facilities is expanding as the cost savings on
Transactions over the Internet are significant.

TABLE OF CONTENTS
1. Introduction
2. Users Requirement Document
Background

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3.

4.

5.

6.

7.

8.
9.
10.
11.
12.
13.
14.
15.

Problem Statement
Objective of the proposed system
Limitations of the Internet Banking system
Requirement analysis Document
Functional Requirement
Non-functional Requirement
System Specification
Software specification
Hardware specification
Feasibility study
Social Feasibility
Economic Feasibility
Technical Feasibility
User Interface Specification
Description of complete user interface
Screen shots of Registration Form
Screen shots of Login Page
Screen shots of Home Page
Screen shots of Amount Transfer Page
Screen shots of Transaction Page
Screen shots of viewing Transaction Details Page
How the user interacts with the system
Diagram
Database Table
User Details
Account Details
Transaction Detail
Transfer Detail
DFD Model
User Guide
Division of Task
Advantages and Disadvantages of internet banking
Conclusion
Project Scope
Bibliography
Algorithmic Description

Introduction
E-banking is a wave of future.It provides enormous benefits to consumer in terms of
ease and cost of transactions, either through internet,telephone or other electronic
delivery.Electronic finance(E-finance)

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Has become one of the most essential technology changes in the financial
industry.E-finance as the provision of financial services and markets using
electronic communication and computation.In practice, e-finance includes epayment, e-trading, e-banking.
According to the definitions from the Bank for International Settlement (BIS-EBG,
2003b), e-payment
Creates considerable efficiencies and is superior to traditional paper based
solution.E-trading is referred to as a wide variety of systems that provide electronic
order routing, automated trade execution, and electronic dissemination of pretrade and post-trade information. With the help of e-trading system, the
transactions can be executed at a remote server and information can be conveyed
to a remote location. And e-banking means the provision of retail and small value
banking product and services through electronic channels and large value
electronic payments and other wholesale banking services delivered
Electronically. Although clients have enjoyed great convenience of e-banking and
bankers have improved
Cost efficiency of banks (Lin and Lin,2006,2007),e-banking may lead to unstable
financial environments.In other words, e-banking could make the financial markets
less manageable by the regulators. Internet banking refers to the deployment over
the Internet of retail and wholesale banking services.it involves individual and
corporate clients, and include bank transfer, payment and settlements,
documentary collections and credit, corporate and household leading, card
business and some others Internet banking will increase from 20 percent in 2001 to
33 percent in 2005, and that by 2010 there might be 55 million users. This is less
than the share of Internet securities trading, esteemed at between 20 and 25
percent of the total, but much more than overall business to-consumer (B2C) ecommerce, which represent less than total 2% of the retail trade.

USERS REQUIREMENTS DOCUMENT

Background
Internet Banking System refers to systems that enable bank customers to Access
accounts and general Information on bank products and services through a personal
computer or other intelligent device.

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The chances and threats that the internet symbolizes is no longer news to the present
day banking sector. No traditional bank would dare face investment analysts without an
Internet strategy. The main intention behind the commencement of electronic banking
services is to provide the customers with an alternative that is more responsive and
with less expensive options. With options just a click away, customers have more
control than ever. Their expectations are usability and real-time answers. They also
want personal attention and highly customized products and services.

Problem Statement
We got user requirements from some Computer Science students, Zukilla Roro,
MichaelMotlhabi, Yasser Buchana, and friends Allen Mwangonde, Ismail, from which
we formulated the document analysis in February 2012.
Internet banking identifies a particular set of technological solutions for the
development and the distribution of financial services, which rely upon the open
architecture of the Internet. With the implementation of internet banking system, it
maintain a direct relationship with the end users via the web and are able to provide a
personal characterization to the interface, by offering additional customized services.

Objective of the proposed system

The aim of the proposed system is to address the limitations of the current system.
The requirement for the system has been gathered from the defects recorded in the
past and also based on the feedback users of the previous metric tools.
Manual process

Customer

Customer
physically visits
the bank

Inquiries for an
existing service or
some specific
information

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Leaves the
bank

Associated and
integrated the
information as
needed

The in charge clerk

checks the
specification and
answer the query

The development of new system try to automate the entire process keeping in
view of the database integration approach.
Limitations of the Internet Banking System
Problems of security: Various sites are not properly locked at to ensure whether
the customers money is safe in cyber world or not.
Wrong assumption: Many people are afraid using Internet Banking because of the
assumption that it is more expensive than the traditional method of dealing with
bank transactions. They still prefer going to bank to perform transactions.
Lack of awareness: Another great hindrance is lack of awareness because effective
and wide media efforts in publishing Internet Banking need to be emphasized.

REQUIREMENTS ANALYSIS DOCUMENT

Functional Requirements
Customer can request details of the last n number of transactions he has
performed on any account.
Customer can make a funds transfer to another account in the same bank.
Customer can view his monthly statement. She/he can also take print out of
the same.

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 The system is providing balance enquiry facility.

Non-functional Requirements
Those requirements which are not the functionalities of a system but are the
characteristics of a system are called the non-functionalities.
Secure access of confidential data.
24X7 availability
Better component design to get better performance at peak time
Flexible service based architecture will be highly desirable for future
extensions.

SYSTEM SPECIFICATION
SOFTWARE SPECIFICATION
Client on Internet: Web browser(any),Operating System(any)
Client on Intranet: Client Software, Web Browser, Operating
System(any)
Web Server: Apache Tomcat or Glassfish, Operating system(any)
Database Server: MS-access, Operating system(Microsoft Windows
<any version>)
Development End: Net beans(J2EE,Java,Servlets,JSP),MS-Access
HARDWARE SPECIFICATION
CLIENT SIDE :
INTERNET EXPLORER
6.0

PROCESSOR
PENTIUM II AT 500
MHz

RAM
64 MB

DISK SPACE
500 MB

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SERVER SIDE :
APACHE TOMACAT

PROCESSOR
PENTIUM III AT 1 GHz

RAM
512 MB

DISK SPACE
1 GB

PENTIUM III AT 1 GHz

512 MB

512 MB

MS-ACCESS

FEASIBILITY STUDY
A significant transformation in banking system has occurred in the world. The
online system of banking and improvements has been made through recognizing
difficulties encountered by the customer and the authority.Both qualitative and
quantitative research, through parent/ career surveys.Focus groups and staff
training sessions has influenced the online process.As a result this has produced an
efficient and user friendly system, that relies on an effective online form, but on the
coordination between ban andits customer.
A comprehensive feasibility study of social, economic and technical aspects has
also been made and implemented as below:-

Social Feasibility:
It has simplified the banking procedure.
Customers and banking authority had huge acceptance
to the notion.
It had a good social impact and no objections or
problems regarding the project is found.

Economic Feasibility:
The Project is economically feasible since we are
getting ample economic support required for theproject
from banking authorities.

Technical Feasibility:
Minimum requirement for execution of the project is a
java supporting operating system since the connection

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to the database will be made using JSP and SERVLETS,

minimum of 64 MB of RAM, a database software, a
server and a web browser with which we were
previously equipped.

USER INTERFACE SPECIFICATION

The purpose of this document is to provide a detailed specification of the
Internet Banking System user interface. These requirements will detail the
outwardly observable behavior of the program. The user interface provides
the means for the user, to interact with the program. This User Interface
Specification is intended to convey the general idea for the user interface
design and the operational concept for the software. This document will be
updated with additional detail as our analysis and design activities progress.

Description of the complete user interface

The User Interface Specification (UIS) consists of one main graphical user
interface (GUI), which consists with different operations enlisted in the
options.

What the user interface looks like to the user

The customer must first register then only the customer can open a new
account in the system. He/She must fill all the details in the below form, as
well as choose a password in order to login after the registration.
Registration form and opening a new account

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By clicking click here registration page will appear

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Login Page
The Login page consists of two text boxes, namely Username and Password,
and a login command button allowing the customer to log into the system.
The login pagehelps the customers to login as a user who visualizes and analyze
data contained in the database.

After Login you have to create account

Create account page:

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After creating account Home Page will appear

Home Page

Once logged on, the customer is ready to perform Deposit and Withdraw account

Deposit Amount Page

Customer can deposit and withdraw money to his/ her account

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Withdraw Amount Page

Now Customer can transfer amount to other account

Transfer Amount page

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Customer can check his/ her balance

Check balance page:

Customer can view report of all transaction of his/ her account

Viewing Transaction Details page

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Finally Customer can logout and after logged out home page will appear again

How the user interacts with the system

The sequence diagram shows how the customer can open an account as well as how to register the
internet banking system in order to login the system. When the customer submit all thedetails in
the form then the
System automatically gives an account and sends to the database.

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Then the login process is shown below, the customer enters a valid account number and password
then the system checks if it is correct input or not, if it is correct then it allows to access for the
transactions, if it is not correct it will remain the home page.

Database Table
Table Name: USER DETAILS (user_details)

Page | 18

Description: This table is used to store Users Login details.

ATTRIBUTE NAME
ID
Uname
Upass
sec_question
Answer
Address
Email
mobile

ATTRIBUTE TYPE
AutoNumber
Text
Text
Text
Text
Text
Text
Text

ATTRIBUTE SIZE
10
50
10
50
50
50
20
10

Table Name: ACCOUNT DETAILS (acc_details)

Description: This table is used to store consumer/ client details.
ATTRIBUTE NAME
acc_no
uname
acc_type
details

ATTRIBUTE TYPE
Number
Text
Text
Text

ATTRIBUTE SIZE
20
50
10
50

Table Name: TRANSACTION DETAILS (tx_details)

Description: This table is used to store transaction details.

ATTRIBUTE NAME
Id
Uname
acc_no
operation
Amt
balance
time1
Isnew

ATTRIBUTE TYPE
AutoNumber
Text
Number
Text
Number
Number
Text
Text

ATTRIBUTE
SIZE
10
20
10
50
50
50
20
10

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Table Name: TRANSFER DETAILS (transfer)

Description: This table is used to store the fund transfer details.
ATTRIBUTE NAME

ATTRIBUTE TYPE

ATTRIBUTE
SIZE

ID
uname
acc_no
dest_acc
amt
time1

AutoNumber
Text
Number
Number
Number
Text

10
20
10
10
50
20

Algorithmic Description

Registration and opening new account:

<%@ page contentType="text/html; charset=iso-8859-1" language="java"

import="java.sql.*,com.onlinebank.BankCommons" errorPage="" %>
<%
//java Code
String uname = request.getParameter("username");
String password = request.getParameter("password");
String question = request.getParameter("question");
String answer = request.getParameter("answer");
String address = request.getParameter("address");
String email = request.getParameter("email");
String mobile = request.getParameter("mobile");
String sql = "INSERT INTO user_details (uname, upass, sec_question, answer, address, email, mobile ) VALUES
('"+uname+"','"+password+"','"+question+"','"+answer+"','"+address+"','"+email+"','"+mobile+"')";
//System.out.println(sql);

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int update = BankCommons.update(sql);

Showing balance:

<%@ page contentType="text/html; charset=iso-8859-1" language="java"

import="java.sql.*,java.util.*,com.onlinebank.BankCommons" errorPage="" %>
<%
//java Code

String uname = (String)session.getAttribute("cust_name");

String sql = "SELECT acc_no, acc_type FROM acc_details WHERE uname='"+uname+"'";
//System.out.println(sql);
ArrayList one = BankCommons.getAccountByName(sql);
//System.out.println(one);
int size = one.size();
if(size < 1) {
response.sendRedirect("noAcc.jsp");
}
%>

Transfer Balance
<%
//java Code

String uname = (String)session.getAttribute("cust_name");

String date = (new java.util.Date()).toString();
//String uname = request.getParameter("uname");
intaccno = Integer.parseInt(request.getParameter("accNo"));

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intdaccno = Integer.parseInt(request.getParameter("daccNo"));
intamt = Integer.parseInt(request.getParameter("Amount"));
String bal_sql = "SELECT balance FROM tx_details WHERE uname='"+uname+"' AND acc_no = "+accno+" AND isnew =
'YES'";
intbal = BankCommons.getBalance(bal_sql);
String n = BankCommons.getNameByNo("SELECT uname FROM acc_details WHERE acc_no = "+daccno);
String bal_sql_1 = "SELECT balance FROM tx_details WHERE uname='"+n+"' AND acc_no = "+daccno+" AND isnew =
'YES'";
String sqll="INSERT INTO transfer (uname,acc_no,dest_acc,amt,time1) VALUES
('"+uname+"',"+accno+","+daccno+","+amt+", '"+date+"')";
intut=BankCommons.update(sqll);
int bal_2 = BankCommons.getBalance(bal_sql_1);

int bal1=0;

if(bal<amt ){
//System.out.println("Current Balance : "+bal);
response.sendRedirect("lowBal.jsp");
}else if(bal == 0){
response.sendRedirect("noBal.jsp");
}else {
bal1 = bal - amt;
String sql_up = "UPDATE tx_details SET isnew = 'NO' WHERE uname='"+uname+"' AND acc_no = "+accno+"
AND isnew = 'YES'";
int up = BankCommons.update(sql_up);
String sql3 = "INSERT INTO tx_details (uname, acc_no, operation, amt, balance, time1, isnew ) VALUES
('"+uname+"',"+accno+",'WITHDRAW',"+amt+","+bal1+", '"+date+"', 'YES')";
int update = BankCommons.update(sql3);
//deposite into other account

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BankCommons.update("UPDATE tx_details SET isnew = 'NO' WHERE uname='"+n+"' AND acc_no =

"+daccno+" AND isnew = 'YES'");
bal_sql_1 = bal_sql_1 + amt;
String sql = "INSERT INTO tx_details (uname, acc_no, operation, amt, balance, time1, isnew ) VALUES
('"+n+"',"+daccno+",'DEPOSITE',"+amt+","+bal_sql_1+", '"+date+"', 'YES' )";
int u = BankCommons.update(sql);

%>

Withdraw Balance:
<%
//java Code
String op = "WITHDRAW";
String date = (new java.util.Date()).toString();
String uname = request.getParameter("uname");
intaccno = Integer.parseInt(request.getParameter("accNo"));
intamt = Integer.parseInt(request.getParameter("Amount"));
String bal_sql = "SELECT balance FROM tx_details WHERE uname='"+uname+"' AND acc_no = "+accno+"
AND isnew = 'YES'";
//System.out.println(bal_sql);
int bal1=0;
intbal = BankCommons.getBalance(bal_sql);
if(bal == 0){
//System.out.println("Current Balance : "+bal);
response.sendRedirect("noBal.jsp");
}else if(bal<amt){

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response.sendRedirect("noBal.jsp");
}else {
bal1 = bal - amt;
//System.out.println("Withdraw : "+bal1);
String sql_up = "UPDATE tx_details SET isnew = 'NO' WHERE uname='"+uname+"' AND acc_no =
"+accno+" AND isnew = 'YES'";
int up = BankCommons.update(sql_up);
}
String sql = "INSERT INTO tx_details (uname, acc_no, operation, amt, balance, time1, isnew ) VALUES
('"+uname+"',"+accno+",'WITHDRAW',"+amt+","+bal1+", '"+date+"', 'YES')";
//System.out.println(sql);
int update = BankCommons.update(sql);

%>

Deposit Amount:
<%
//java Code
String op = "DEPOSITE";
String date = (new java.util.Date()).toString();
String uname = request.getParameter("uname");
intaccno = Integer.parseInt(request.getParameter("accNo"));
intamt = Integer.parseInt(request.getParameter("Amount"));
String bal_sql = "SELECT balance FROM tx_details WHERE uname='"+uname+"' AND acc_no = "+accno+" AND isnew =
'YES'";
intbal = BankCommons.getBalance(bal_sql);
if(bal == 0){
System.out.println("Current Balance : "+bal);
bal = bal + amt;

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}else {
bal = bal + amt;
String sql_up = "UPDATE tx_details SET isnew = 'NO' WHERE uname='"+uname+"' AND acc_no = "+accno+"
AND isnew = 'YES'";
int up = BankCommons.update(sql_up);
}
String sql = "INSERT INTO tx_details (uname, acc_no, operation, amt, balance, time1, isnew ) VALUES
('"+uname+"',"+accno+",'DEPOSITE',"+amt+","+bal+", '"+date+"', 'YES' )";
//System.out.println(sql);
int update = BankCommons.update(sql);

%>

View Report
<%@ page contentType="text/html; charset=iso-8859-1" language="java"
import="java.sql.*,java.util.*,com.onlinebank.BankCommons" errorPage="" %>
<%
//java Code

String uname = (String)session.getAttribute("cust_name");

String sql = "SELECT acc_no, operation, amt, balance, time1 FROM tx_details WHERE uname='"+uname+"'";
//System.out.println(sql);
ArrayList one = BankCommons.getAccountDetailsByName(sql);
//System.out.println(one);
int size = one.size();
if(size < 1) {
response.sendRedirect("noAcc.jsp");
}
%>

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DFD Model

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USER GUIDE

Getting Started
The first page you get is the home page which contains several functions/features for the Internet
Banking Application. In order to login you fill in only two fields which are account number you have
and the password you selected when you registered.

Task 1: Register as well as open a new account

Click the register now on the home page at left side
Fill all the fields with your password
Submit after you are done

Task 2: Balance Enquiry

Login from home page with your account number and your
password
View your balance at the top right

Task 3: Electronic Fund Transfer (EFT)

Type the account number you want to transfer an
Amount

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Put the amount you want to transfer

Click Transfer to send the amount

Task 4: Bank Statement

Select the account from which you want a statement
To view the record of the transaction, click view statement
of the transaction page.

ADVANTAGES AND DISADVANTAGES OF

INTERNET BANKING

Advantages Of Internet Banking:

Opening and Closing Account
It Gives reliefs to their customer from carrying
heavy cash
Enable prompt and speedy operation to client
It saves lot of time to their customers and
convenient to access.

Disadvantages Of Internet Banking:

Customer may have to face risky transaction
and fraud.

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 Failure of power supply cause break down of

system.
Loss of heavy income at times of settlement of
higher magnitude.
Cost involved in training staff may not be
profitable specially times of attrition.

Project Scope
The scope of this project is limited to the activities of the operations unit of the banking
system which includes opening of Account, Deposit of funds, Electronic funds transfer,
Cheque balance and Monthly statement, automatically process transaction used in a
banking. The criterions which include over here is to creation of an account and its all
respective perspective. The data used by the system is stored in a Database that will be
the Centre of all information held about the customer and the base for the remainder of
the process after initial signing up been made. This enables things to be simplified and
considerably quickened, making the jobs of the involved people easier. It supports the
current process but centralizes it and make it possible for decision to be made earlier
and easier way. The main goal of the system is to automate the process carried out in
the bank with improved performance and realize the vision of paperless banking. Some
of the goals of the system are listed below: Large number of customer details with ease.
Manage all details of the students who are registered with the bank and
send appropriate details about latest policy of the bank and each of its
customer.
Create customer account and maintain its data efficiently and effectively.
View all the details of the customer.
Activities like updating, modification, deletion of record should be easier.

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CONCLUSION
Thus reaching to the conclusion of our project we observe that Traditional banks offer
many services to their customers, including accepting customer money deposits, providing
various banking services to customers, and making loans to individual and companies.
Compared with traditional channels of offering banking services through physical
branches, e-banking uses the internet to deliver traditional banking services to their
customers, such as opening accounts, transferring funds. E-banking can be offered in two
main ways. First, an existing bank with physical offices can also establish an online site and
offer e-banking services to its customers in addition to the regular channel. For example,
Citibank is a leader in e-banking, offering walk-in, face to face banking at its branches
throughout many parts of the world as well as e-banking services through the World Wide
Web. Generally, e-banking is provided without extra cost to customers. Customers are
attracted by the convenience of e-banking through the internet, and in turn, banks can
operate more efficiently when customers perform transaction by themselves rather than
going to branch and dealing with a branch representative.
On October 1, 2000, the electronic signatures bill took effect,
recognizing documents signed online as legal. Some banks plan to begin using electronic
checks as soon as they can work out various security measures.
The range of e-banking services is likely to increase in the future.
Some banks plan to introduce electronic money and electronic checks. Electronic money
can be stored in computers or smart cards and consumers can use the electronic money to
purchase small value items over the internet.

BIBLIOGRAPHY
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www.shareslide.com
www.bankersonline.com
www.en.wikipedia.org

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