PROJECT REPORT ON

i-Banking

DateofSubmission:18042012

Submittedby:

VIJAYJHA
CSE/10/447

VISHAKHAVASHISHT
CSE/10/448

(Approved by AICTE, Ministry of HRD, Govt of India & DTE, Govt of Haryana

and Affiliated to M.D.University, Rohtak)

INDEX
1. INTRODUCTION
1.1 Background
1.2 Objectives
1.3 Purpose and Scope
1.3.1 Purpose
1.3.2 Scope

2. SURVEY OF TECHNOLOGIES
3. REQUIREMENTS AND ANALYSIS
3.1 Problem Definition
3.2 Preliminary Product Description
3.3 Requirement Specification
3.4 Hardware and Software Requirements
3.5 Conceptual Models
3.5.1 Use Case Diagrams
3.5.2 Data Flow Diagrams
3.5.3 Entity Relationship Diagram
3.5.5 Data Structures

4. SECURITY MECHANISMS
5. FUTURE SCOPE
6. REFERENCES

1.
1.1

INTRODUCTION
Background

The Project INTERNET BANKING SYSTEM provides comprehensive electronic

fund transfer and payment solutions that enable thousands of Citizens, Financial
Institutions and hundreds of businesses the convenience of receiving and
transferring their funds online.
It's fast, easy and puts you in complete control you decide who to transfer
funds, checking of the account details. Receive and pay all your

paper bills at

one site at your bank, credit union.

Plus, you can enhance the convenience of transferring funds online by receiving
your bills electronically, checking statuses of accounts and viewing the
statements can possible with this system. You can do this from one secure online
location, in just a few minutes.
Internet-Banking system provides the greater opportunity to interact

with

Account holder. But in regular system there are no more interactions with An
account holder or trustee. Authorities of Internet -Banking system can Provides
the greater knowledge on Internet -Banking and they can effectively Explain in
broader sense.

1.2 Objectives
As the name of the project is INTERNET Banking its main objective is to
provide an efficient and effective way to manage all information related to
customers who access account-specific information and possibly conduct
transactions from a remote location - such as at home or at the workplace.
The project has been developed to achieve the following objectives:
To have a central database which stores all the data at a single
place. If at all any changes need to be made it would it would
be done at a single place. In this way duplication of data is
reduced and hence helps in efficient space utilization.

 To reflect the changes in database in real time to all the

authorized users of the system.
To have the system that is user-friendly and easy to use.
To provide better services to the customers.
To create and interactive user-friendly environment where the
user can feed or retrieve the required information in real time
with the help of graphical user interface .The primary concern is
to correctly feed the customer related information and also
manages this information efficiently.
To be able to perform all the relevant validations that are
required to be done before performing a particular transaction
or task or before and data needs to enter in the database.
To secure the data stored in the database . Allowing only
authorized user to access the Account information of the
customer. Username and password are checked for this
purpose.
To deliver report on time to customer.

1.3 Purpose and Scope

1.3.1 Purpose
The purpose of the project is to provide the following services:1. Real-time Banking
Internet-Banking service is anytime, anywhere and real-time banking.
2. Security
Internet-Banking service brings together a combination of industry-approved
security technologies to protect data for the Bank and for you,our
customer. It features password-controlled system entry, a VeriSign-issued Digital
ID for the Banks server, Secure Sockets Layer (SSL) protocol for data
encryption, and a router loaded with a firewall to regulate the inflow and outflow
of server traffic.
3. Time Out Feature

Once you have logged into the E-Banking, a session can last as long as
10 minutes. After this time has elapsed, the system will logout requiring you to
sign on again. This feature is for your safety and protection. If you were to leave
your computer for any reason while still logged into the e-Banking, this feature
will allow only a short period of time to elapse for an unwanted person to access
your account information.
4. Easy to Signing In
Once you are at the Login screen you will need to enter your Customer
Code and Password.
1.3.2 Scope
The Internet banking portal of our bank, enables its retail banking customers to
operate their accounts all across India, removing the restrictions imposed by
geography and time. It's a platform that enables the customers to carry out their
banking activities from their desktop, aided by the power and convenience of the
Internet. Availing the Internet banking services, you can do the following normal
banking transactions online:
Self-account funds transfer .

Third party transfers in the same branch

New account opening

Demand Draft requests

New Cheque-book request and much more.

Above all, you can transfer funds between your accounts held at several
locations. All this and much more from your desktop.

2.

SURVEY OF TECHNOLOGIES

Introduction to Microsoft .NET

Microsoft .NET is Microsoft's new Internet strategy. .NET was originally called
NGWS. NGWS - Next Generation Windows Services. Before the official
announcement of .NET, the term NGWS was used for Microsoft's plans for
producing an "Internet-based platform of Next Generation Windows Services".
.NET is Microsoft's new Internet and Web strategy
.NET is NOT a new operating system
.NET is a new Internet and Web based infrastructure
.NET delivers software as Web Services
.NET is a framework for universal services

.NET is a server centric computing model

.NET will run in any browser on any platform
.NET is based on the newest Web standards

.NET is built on the following Internet standards:

HTTP, the communication protocol between Internet Applications

XML, the format for exchanging data between Internet Applications
SOAP, the standard format for requesting Web Services
UDDI, the standard to search and discover Web Services

.NET Framework
The .NET Framework is the infrastructure for the new Microsoft .NET Platform.
The .NET Framework is a common environment for building, deploying, and
running Web Services and Web Applications. The .NET Framework contains
common class libraries - like ADO.NET, ASP.NET and Windows Forms - to
provide advanced standard services that can be integrated into a variety of
computer systems. The .NET Framework is language neutral. Currently it
supports C++, C#, Visual Basic, JScript (The Microsoft version of JavaScript) and
COBOL. Third-party languages - like Eiffel, Perl, Python, Smalltalk, and others will also be available for building future .NET Framework applications.
The new Visual Studio.NET is a common development environment for the
new .NET Framework. It provides a feature-rich application execution
environment, simplified development and easy integration between a number of
different development languages.
Introduction to Microsoft ASP.NET
ASP.NET is the latest version of Microsoft's Active Server Pages technology
(ASP). ASP.NET is a part of the Microsoft .NET framework, and a powerful tool
for creating dynamic and interactive web pages. ASP.NET has better language
support, a large set of new controls and XML based components, and better user
authentication. ASP.NET provides increased performance by running compiled
code. ASP.NET code is not fully backward compatible with ASP. ASP.NET is a
programming framework built on the common language runtime that can be used
on a server to build powerful Web applications. ASP.NET is a server side
scripting technology that enables scripts (embedded in web pages) to be
executed by an Internet server.

ASP.NET is a Microsoft Technology

ASP stands for Active Server Pages
ASP.NET is a program that runs inside IIS
IIS (Internet Information Services) is Microsoft's Internet server
IIS comes as a free component with Windows servers
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IIS is also a part of Windows 2000 and XP Professional

ASP.NET File
An ASP.NET file is just the same as an HTML file
An ASP.NET file can contain HTML, XML, and scripts
Scripts in an ASP.NET file are executed on the server
An ASP.NET file has the file extension ".aspx"
MICROSOFT SQL SERVER
SQL (commonly expanded to Structured Query Language) is the most popular
computer language used to create, modify, retrieve and manipulate data from
relational database management systems. The language has evolved beyond its
original purpose to support object-relational database management systems. It is
an ANSI/ISO standard.
Microsoft SQL Server is a relational database management system (RDBMS)
produced by Microsoft. Its primary query language is Transact-SQL, an
implementation of the ANSI/ISO standard Structured Query Language (SQL)
used by both Microsoft and Sybase. SQL Server is commonly used by
businesses for small- to medium-sized databases, but the past five years have
seen greater adoption of the product for larger enterprise databases.
Sybase SQL Server was the name of Sybase Corporation's primary relational
database management system product from 1987 to 1995. It was originally
created for UNIX platforms in 1987.To adapt the SQL to Microsoft SQL Server,
the company developed Transact-SQL as Microsoft's implementation of SQL.
Transact-SQL is the language used internally by Microsoft SQL Server and
MSDE. Although SQL Server highly adheres to the SQL standards, it has some
internal details that may not be applied to other database systems like MySQL,
Oracle, or even Microsoft Access, etc; although they too fairly conform to the
standard. As a computer language, the SQL is used to give instructions to an
internal program called an interpreter.
CONNECTIVITY
SQLDirect .NET is an enhanced data provider for SQL Server that builds on
ADO.NET technology and SqlClient to present a complete solution for developing
SQL Server-based database applications. As part of the Core Lab database
application development framework, SQLDirect .NET offers both high
performance native connectivity to SQL Server and a number of innovative
development tools and technologies.SQLDirect .NET introduces new approaches
for designing application architecture, boosts productivity, and leverages
database application implementation.
ADO.NET Overview
ADO.NET is an evolution of the ADO data access model that directly
addresses user requirements for developing scalable applications. It was
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designed specifically for the web with scalability, statelessness, and XML
in mind.
ADO.NET uses some ADO objects, such as the Connection and Command
objects, and also introduces new objects. Key new ADO.NET objects include the
DataSet, DataReader, and DataAdapter.
The important distinction between this evolved stage of ADO.NET and previous
data architectures is that there exists an object -- the DataSet -- that is separate
and distinct from any data stores. Because of that, the DataSet functions as a
standalone entity. You can think of the DataSet as an always disconnected
recordset that knows nothing about the source or destination of the data it
contains. Inside a DataSet, much like in a database, there are tables, columns,
relationships, constraints, views, and so forth.
A DataAdapter is the object that connects to the database to fill the DataSet.
Then, it connects back to the database to update the data there, based on
operations performed while the DataSet held the data. In the past, data
processing has been primarily connection-based. Now, in an effort to make multitiered apps more efficient, data processing is turning to a message-based
approach that revolves around chunks of information. At the center of this
approach is the DataAdapter, which provides a bridge to retrieve and save data
between a DataSet and its source data store. It accomplishes this by means of
requests to the appropriate SQL commands made against the data store.
The XML-based DataSet object provides a consistent programming model that
works with all models of data storage: flat, relational, and hierarchical. It does this
by having no 'knowledge' of the source of its data, and by representing the data
that it holds as collections and data types. No matter what the source of the data
within the DataSet is, it is manipulated through the same set of standard APIs
exposed through the DataSet and its subordinate objects.
While the DataSet has no knowledge of the source of its data, the managed
provider has detailed and specific information. The role of the managed provider
is to connect, fill, and persist the DataSet to and from data stores. The OLE DB
and SQL Server .NET Data Providers (System.Data.OleDb and
System.Data.SqlClient) that are part of the .Net Framework provide four basic
objects: the Command, Connection, DataReader and DataAdapter. In the
remaining sections of this document, we'll walk through each part of the DataSet
and the OLE DB/SQL Server .NET Data Providers explaining what they are, and
how to program against them.
The following sections will introduce you to some objects that have evolved, and
some that are new. These objects are:

Connections. For connection to and managing transactions against a

database.
Commands. For issuing SQL commands against a database.
DataReaders. For reading a forward-only stream of data records from a
SQL Server data source.
DataSets. For storing, remoting and programming against flat data, XML
data and relational data.
DataAdapters. For pushing data into a DataSet, and reconciling data
against a database.

3. Requirement And Analysis

3.1 Problem Definition
Internet banking is a web-based service that enables the bank's authorized
customers to access their account information. It allows the customers to log on
to the bank's website with the help of a bank-issued identification and a personal
identification number (PIN). The banking system verifies the user and provides
access to the requested services.
The products and services offered by the bank on the Internet can be divided
into two types:
Information Kiosks: It includes providing information regarding various products
and services offered by the bank to its customers and others in general. The
bank's site receives and answers queries of customers through e-mails.
Basic Internet Banking: It includes enabling customers to open new accounts,
check account balance and pay utility bills.
you can avail of a wide range of banking services that literally puts your bank at
your fingertips. You can:

3.2

View your account balances

View transaction history

Track / Schedule Fund transfers

Request for a Cheque book

Request for Demand drafts

Stop payment of Cheque

Preliminary Product Description

Administrator:

Administrator maintains the database.

Administrator Controls the customer accounts and transactions.
Account holder:
Account holder gets the details of his account.
Request for the viewing of his n transactions.
The

proposed

system

categories

and

follows

these

functionalities

to

implement.
Create new account
Login Component
Balance Enquiry
Funds Transfer
Demand draft processing
Request for cheque books/change of address/stop payment of cheques.
Viewing Statements
System Help
Logout
Description:
CREATE NEW ACCOUNT :
In this module the new customer makes the request for creating new
account. For creating new account information is accepted from customer and
verified. After the verification of the information new account for the customer is
created and the account information is stored in account database. On the other
hand the employee will check for the details of the existing customer accounts
that can be retrieved from the account database.
LOGIN COMPONENT:
Customer must have a valid user id and password to the system.
If a wrong password is given thrice in succession that account will be locked
and the customer will not be able the use it .When an invalid password is
entered a warning is given to the user that his

account is going to get

locked.
After the valid user logs in he is shown the list of accounts he is the list of
accounts he has with the bank.
BALANCE ENQUIRY:

10

Using the interface on selecting the desired account he is

taken to a page which shows the present balance in that

particular account

number.
FUNDS TRANSFER:
This interface

helps user to transfer funds to another account in the same

bank. User is provided with a transaction password which is different from the
login and password.
If the transaction is successful a notification should appear to the customer. In
case it is unsuccessful a proper message should be given to the customer as to
why it failed.
DEMAND DRAFT PROCESSING :
This module is responsible for the processing of Demand Drafts (DD). The
customer initially places the request for the creation of DDs and enters the details
for it. Once the details are entered employee verifies this and DD is generated
with the help of taking information from the account database about amount and
update it. DD information is stored in DD database.
VIEWING STATEMENTS:
User can view his monthly as well as annual statements. He can also take print
out of the same.
SYSTEM HELP:
Proper help is provided as and when requested by the user.
LOGOUT:
Logout from the system.
3.3 Requirement Specification
Internet banking is the new buzz word around the corner. Forget traditional
banking and the way you used up to queue to get the transactions done. Internet
banking is here to change that all. Now banking is no more taking out time from
your schedule and to start with finding a place in the car park and then waiting for

11

your turn to get to the counter. Internet banking gives you the freedom to do
banking at your finger clicks.
Introduce yourself to internet banking. Now you can do the transactions sitting
right into your office cubicle or from your home. It can be said that with this the
new era of banking has arrived and for the better of it. Internet banking is simple
for anyone who has a access to internet. It certainly is beneficial compared to the
traditional way of banking. You simply use internet instead of using paper or
phone to access your account and can enjoy it from virtually anywhere.
First, online banking is convenient. It allows you to perform transaction, pay bills
and cheque balances 24 hours a day , 7 days a week. The bank virtually never
closes because it is accessible at your PC or laptop computer.No matter where
you are in the country or in the world,you can visit your online bank and handle
money matters.
Second, online banking is fast,efficient and effective.Through the

internet,

transeciton are typically performed and executed at a faster rate. In addition,

online banks give you the ability to handle several bank account from one site.
Thirdly, you can have the reports like your account information, monthly
statements etc. whenever you want to access. No calling up to the bank or the
customer care to get a work done, everything is conveniently at the fingertips.
3.4 Hardware And Software Requirement Specifications

a) Hardware:
1) HDD capacity

40 Gb with 3 Gb free

2) RAM

256 MB

3) CPU

Pentium III and above

b) Software:
1) Operating system

Windows XP

2) Tools

Visual studio .Net

3) Database(Backend)

MS SQL Server 2005

3.5 Conceptual Models

3.5.1 USE CASE DIAGRAMS:

12

A Use-Case diagram shows a set of Use-Cases and Actors and their

relationships. Use-Case is a pattern of behavior the system exhibits. Each use
case is a sequence of related transactions performed by an actor and the system
in a dialogue. An actor is someone or some thing that must interact with the
system under development.

LOGIN

BAL ENQUIRY

TRANSACTIONS

REQ FOR
DEMAND DRAFT
ACCOUNT
HOLDER

ADMINISTRATOR
REQ FOR
CHEQUE BOOK

A/C CONTROL

CUSTOMER
CONTROL

LOGOUT

13

3.5.2 DATA-FLOW DIAGRAMS:

Data flow diagram is a pictorial representation of the system in which Flow of
data from one process to another process is described. A Data Flow is composed
of Data movement shown by arrows.
Transformation or process of data shown by named circle or rounded rectangle.
Sources and destination of data represented by named rectangles.
Static storage or data at rest denoted by an open rectangle that is named.
Data Flow Diagrams are of two types:
Physical Data Flow Diagrams: These are implementation-dependent i.e., they
show the actual devices, departments, people, etc., involved in the system.
Logical

Data

Flow

Diagrams: These

diagrams describe

the

system

independently of how it is actually implemented, they show what takes places,

rather than how an activity is accomplished.
The DFD is intended to represent information Flow but it is not a flow chart and is
not intended decision-making, flow of control, loops and other procedural aspects
of the system. DFD is a useful Graphical tool and is applied at the earlier stages
of requirements analysis. It may be further refined at preliminary design stage
and is used as mechanism for top-level structural design for software.

Customer

Administrator
BANKING
SYSTEM

DATABASE

14

Level-0 DFD

User ID/Password

UserID/Password
Customer

1. Login

Failure

Login
Success

Login
Success
Response

Administrator

Failure

Request

Login Account Info

Request
Response

2. Bank
Account
Management

3. User
Account
Management

Banking Info

15

Level-1 DFD
Customer

User ID/Password

UserID/Password

Administrator

1.1 Login
Verification

Retry
Message

Failure

Login
Success

Retry
Message

Failure

Request
1.2 Show
Retry Login
Page

1.2. Show
Retry
Login Page
Login Info

Request

3.1 Show
Admin
Options Page

2.1 Show
User Options
Page
3.2
Create
Account

2.2 Choose
Account

2.2
Check
Balance

2.3
Fund
Transfe
r

Bank Account Info

2.4
View
Statem
ent

2.5
Reques
t for
DD

3.3
Update/
Delete
Account

2.6 Stop
Cheque
Payment

3.4
Manage
Pending
Request
s

2.7
Request
for
Cheque
book

Request Catalogue

16

Level-2 DFD
3.5.3 ENTITY RELATIONSHIP DIAGRAMS
ER Diagrams represent the relationship between the entities. An ER diagram is
composed of
Entity is shown by rectangle.
Attribute is shown by oval.
Relationships with rhombus.
Optional is shown by circle.
Compulsory with dash.
Primary key with underscore.
C_Phon
e
C_nam
e
C_id

C_Add
C_mail

Customer

ACC_I
D

Acc_ID

Acc_Type
Account

H
as

I
N

Perfor
m
Amount

T_ID
B_I
D

Branch
B_Tel

B_Name

B_Add

B_City

Transaction

T_dat
e
T_Typ
e

Pay_At
Balanc
e

T_Mode

Pay_to
Acc_I
D

Entity Relationship Diagram

17

3.5.4 DATA STRUCTURES

I have used the following tables:
Customer
Customer_Account
Transaction
Branch
Employee
Account_Type
PassBook
Request
Table: Customer
Name

Length

Cid
2
Cname
20
DOB
Address
20
City
10
State
10
PIN
6
Email
20
Telno
10
Mobno
10
Marital_status
1
Qualification
6
Password
10
Table: Customer_Account

Type
Number
Char
Date
Varchar
Char
Char
Number
Varchar
Number
Number
Char
Char
Varchar

Name

Length

Type

Acc_no
Pbookno
Acctype
DOC
Bid

10
10
10
5

Number
Number
Char
Date
Number

Balance
Acc_status

10
8

Float
Char

Integrity
Constraint
Primary Key

Integrity
Constraint
Unique
Unique
Foreign key
(Branch)

18

Cid

Number

Foreign Key
(Customer)

Table : Transaction
Name

Length

Type

Tid
Accno
Trdate
Type
PayAt
PayTo
Balance
Table: Branch

2
10
10
10
10
10

Number
Number
Date
Char
Number
Number
Float

Name

Length

Type

Bid
Bname
Baddress
Bcity
Bstate
Bpin
Btel
MgrID
Table: Employee

1
10
15
10
10
10
10
3

Number
Char
Varchar
Char
Char
Number
Number
Number

Name

Length

Type

Integrity
Constraint
Primary Key
Unique

Integrity
Constraint
Primary Key

Unique
Integrity
Constraint

Ename
Egender
EdoB
Eaddress
Ecity
Estate
Epin
E-Email
E-tel
Edesig
Emartial_status
Estatus
Table:Account_type
Name

15
1
20
10
10
10
20
10
10
10
10
Length

Char
Char
Date
Varchar
Char
Char
Char
Varchar
Number
Char
Char
Char
Type

Integrity
Constraint
19

Acc_Code
Acc_Type
Table:PassBook

3
10

Number
Char

Primary Key

Name

Length

Type

Integrity

Pbookno
Acc_no
Description
IssuedOn
AccBalance
Table:Request

10
10
20
10

Number
Number
Char
Date
Float

Name

Length

Type

Rid
RfromAccno
Rdesc

3
10
20

Number
Number
Char

Constraint
Unique
Unique

Integrity
Constraint
Primary Key

4. Security Mechanisms
A Security Mechanism is a mechanism designed to detect, prevent, or recover
from a security attack. These mechanisms need to be incorporated at
appropriate protocol layer. I enlist some of the mechanisms used in this report
are:
Decipherment- Transforming the data to a form that is not readily intelligible.
Access Control- A variety of mechanisms (ACLs, user permissions etc.) that
enforce access rights to resources
Data Integrity- A variety of mechanisms Hashing etc. used to assure the
integrity of data
Authentication Exchange- A mechanism intended to ensure the identity of an
entity by means of information exchange
Traffic Padding- Insertion of bits into gaps in a data stream to frustrate traffic
analysis attempts.
Routing Control- Enables selection of particular physically secure routes for
certain data and allows routing changes

20

 Notarization- The use of a trusted third party to assure certain properties of a

data exchange
Security Audit Trail- Data collected and potentially used to facilitate a security
audit, which is an independent review and examination of system records and
activities
In my software I tried to establish a mapping between the various security
requirements and security mechanisms which fulfill these requirements. The
mapping is usually many to many, i.e a security tactic can be satisfied by many
mechanisms and vice-versa.

5. FUTURE SCOPE OF THE PROJECT

The software can be made compatible as per future technologies and strategies
and is easily extensible and upgradable according to organization need with little
or no changes and can be made upto-date and to incorporate necessary
changes for both customers as well as for bank staff.

6. REFERENCES
1. Study Material Provided By IGNOU
2. www.microsoft.com
3. http://www.santanu.in/forums/
4. www.dotnetspider.com
5. (Bipin 01) Bipin C. Desai, An Introduction to Database Systems
6. (Pankaj 98) Pankaj Jalote, Software Engineering , BPB Pub

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