TITLE PAGE DESIGN AND IMPLEMENTATION OF ONLINEBANKING 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
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CERTIFICATION PAGE
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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. ---------------------------
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Engr. M.C. Obi
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(Supervisor)
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Engr. C.N. Mba
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(External Supervisor)
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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.
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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.
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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-
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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Fig 3.11 Available Cash-35 Fig 3.12 Account Type- Fig 3.13 User TableFig 3.14: Program Flowchart- Fig 3.15: Accounting Opening FlowchartFig 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- -
LIST OF TABLES
Table 3.1 Operations at May Fresh Bank-
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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
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Certification- -
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Dedication-
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Abstract-
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List of Figures-
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Table of contents-
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CHAPTER ONE
1.1 Introduction
1.2 Statement of Problem-
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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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1.8Definition of Terms- -
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2.1 The Online Banking Management System
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2.2 Registration and Security- -
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Literature Review -
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2.4 Data Management2.4.1 Data Integrity -
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2.5 Traditional Banking Vs Online Banking -
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2.7 The Role of Information Technology in the 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 3.5.1 Feasibility Considerations-
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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 Design3.6.1 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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3.6.6 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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3.7.3 Transaction File Structure-
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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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3.8.2 Bank Transaction Flowchart 3.8.3 System Flowcharts- -
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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 -
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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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5.4 B.E.M.E (Bill Of Engineering Measurement And Evaluation)-
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5.5 Conclusion-
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Appendix A-
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Appendix B-
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CHAPTER FIVE
5.1 Summary-
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5.2 Limitation5.3 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. 12
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 13
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 Customer‟s transactions.
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May fresh Bank, can verify the validity of their customers only through one source in a whole Branch through on central database online.
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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. 16
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 srcin 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. 17
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 1990‟s 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 19
concerned about information privacy and their right to it. Governmental and other organizations have been coll ecting data about individual‟s. 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 company‟s
banking transactions, or that parents would possibly delegate certain rights to their children, the use of ID and password. These and other security measures 20
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 21
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, a ccuracy,
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 23
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Track recent account activity
Apply for loans (auto, student, home equity, mortgage or personal)
Receive investment product and service information
THE
ROLE
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TECHNOLOGY
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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 customer‟s 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 employer‟s bank communicates directly with the employee‟s 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 26
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 tobe 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 customer‟s 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
28
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 manufacturer‟s 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 29
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).
30
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 study‟s goal. “Potter in 1996 sums up the inter -relationship and differences by stating: “Methodo logies 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 OPERATI ONS RESPONDER INTERVIEWER 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 in some few occasions, except we usethat 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 implementing an interface whereaims yourat GSM handset and Computer can be used to achieve wireless 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 potential is maximized through its use for wireless database access, will it be of any interest to this Department and May Fresh Bank as a whole?
Yes. Youbeen are encouraged to implement it as we have looking forward to an ample opportunity like this. Thank you.
Yes, because most times, we don‟t meet our target because of insufficient electronic devices to assist us.
Table 3.1 Operations at May Fresh Bank.
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EXTENT OF COMPUTER
I ZATION
INTERVIEWER Do your customers have online access now?
Is it possible for your customers to check the status of their account balance while seated at home? Is there any way your customers with GSM handsets or Computer system can verify the status of their account on their own wirelessly? Is there any way you can query your 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 inspection, is there any automation involved while making effort to forward it
RESPONDER Partially, because even when they access the forms online, they still come to the office to physically present their products to us. No, they must come to May Fresh Bank
office. No.
No, we can only make calls.
No, we only send it as an electronic mail to them via the Internet.
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:
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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.
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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 analysis„s 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
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
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
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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
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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
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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
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:
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
Type Text Text Text
Size 20 50 100
Sex Date of Birth Date Amount Account type Password
Text Date Date Double Text Ver Char
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 Size Int 100 Text 30 Fig 3.12 Account Type
46
3.7.9 User Table
Field Name Name Username Password
Type Text Text Var Char
Size 100 30 30
Last Login
Date Fig 3.13 User Table
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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
Customer
menu
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.
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3.8.1 Account Opening Flowchart
Start
Enter the Account Name, No, Address, opening amount
Store the record on the database
Yes More entr ? 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.
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3.8.2 Bank Transaction Flowchart
Start
Select option from sub menu
Yes Deposit
Enter the deposit transaction
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.
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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.
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
Test Data Registration Form
Actual Result
Account number automatically appeared on every registration made. Table 4.1 Account Number Testing Account KYC Form Testing
Account Number
Expected Result
It was expected to Account number on every registration.
Expected Result It was expected to see the registration form ready to capture data from users.
Actual Result The registration form was displayed and when data were supplied, it reflected appropriately in the database. Table 4.2 Account KYC form Testing Login Page Testing
Test Data
Expected Result
Actual Result
Login Form
It was expected to see the logon form The logon page was displayed and ready to accept input from displayed and when data was user. The database was also expected to be supplied, it reflected in the updated with the information supplied on database. the logon form. Table 4.3 Login page Testing 55
Feedback Form Testing
Test Data
Feedback Form
Expected Result
Actual Result
It was expected to see the feedback Form
The
displayed and ready to accept input from
displayed and when data was
the user. The database was also expected
supplied, it reflected in the
feedback
form
was
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
Actual Test Result
Add Account
The application form was expected to display when this test data button was clicked on. It was also expected to be ready to capture inputs from the user. The user interface for making this request was expected to display and capture inputs when supplied. It was expected to return the user to the login page when this button is clicked on. It was expected to see this subsystem displayed with all the modules represented when you click on the buttons. It displayed all the customer information. It was expected to see all the customer account details. The application form was expected to display when this test data button was
The subsystem driver was able to display the application form, which was ready to capture data inputs. The user interface was displayed and data inputs were supplied.
Update Account Status Log out
View Account
Delete Account Staff Registration
When the test data button was clicked on, the user was returned to the login page. The subsystem and the modules were displayed accordingly and each of the modules is performing the function for which it was designed. The button was click on and account deleted. The subsystem driver was able to 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 56
Teller Testing
Here, all the modules were tested separately and then collectively. Test Data
Check Account Balance
Credit Account
Debit Account
Log out
4.4.4
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
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 Check Balance
Transaction Print A/C Statement Log out
Expected Test Result Actual Test Result When this button is clicked on, it When it was clicked, the account 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 details. When this button is clicked on, it When it was clicked, the account was expected to display the account statement was printed. statement. When clicked, the user was When the test data button was expected to be taken to the login clicked on, the user was returned to page. the login page Table 4.7 Customer page Testing
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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
experiences really helped in the project implementation.
59
their
practical
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
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Welcome to DataBase Management of MayFresh Savings And Loans Bank LTD.
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Your Name is:
Date and Time of Login:
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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
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Update of Customer Account Details
Fig 5.3 Update Customer Details The Teller Interface
