International Journal of Emerging Technology and Advanced Engineering Website: www.ijetae.com (ISSN 2250-2459, ISO 9001:2008 Certified Journal, Volume 3, Issue 7, July 2013)

Centralized Internet Banking System Rajnish Kumar1, Pradeep Bhaskar Salve2, Amit Chotia3 1,3

Sir Visvesvaraya Institute of Technology, Nasik 2 C M J, Meghalaya State  Balance enquiry.  Funds transfer to another account in the same bank.  Funds transfer to another account.  Request for cheque book/change of address/stop payment of cheque.  Viewing monthly and annual statements.  Bill Payment.

Abstract— In World, a number of banks have either gone for Centralized Internet Banking or are on the verge of going for it. This Centralized Internet Banking System is different from what was possible up to now - off line information or few limited services. It enables the customer to transact business online in real time. The system provide the facility of Balance Enquiry, View Statements, Bill Payment, and Funds Transfer within the same bank or another bank account at the same time to the user. The much more thing is security factor. This centralized Internet Banking System is very secure for Administrators, Customers and to others.

1.2 Existing System:  Existing system is a manual system. It does not provide much good online system.  Existing system does not provide fast online transaction facility to another bank account.  System does not give fast update account information to the customer.

Keywords— Centralized, Controller Servlet, Java beans

I. INTRODUCTION The Centralized Internet Banking System provides the facilities like Balance Enquiry, Funds transfer to another account in the same bank and also to another bank, Request for cheque book /change of address/stop payment of cheque and Viewing monthly and annual statements. The Centralized Internet Banking System has developed a new security infrastructure for conducting commerce on the Internet. The initiative, called Bank ID, aims to become a national ID infrastructure supporting services such as authentication and digital signatures for the entire authentication population. Many researchers expect rapid growth in customers using online banking products and services. This System allows customer contact through increased geographical reach and lower cost delivery channels. Customers can reach a given institution from literally anywhere in the world. Management must understand the risks associated with The Internet Banking System before they make a decision to develop a particular class of business. Management should have the skills to effectively evaluate internet banking technologies and products. Looking for an online comprehensive solution to manage internet banking. This will be accessible to all customers who have a valid user id and password.

1.3 Proposed System: The development of this new system contains the following activities, which try to develop on-line application by keeping the entire process in the view of data base integration approach. They are:  Customer must have a valid user ID and password to login to the system.  If a wrong password is given thrice in the session, that account will be locked and the customer will not be able to use it. When an invalid password is entered a warning is given to the user than the count going to get locked.  After the valid user logs in he is shown the list of accounts he has with the bank.  On selecting the desired account he is taken to a page which shows the present balance in that particular account number. User can view his monthly as well as annual statements. He can also take print out of the same.  User can transfer funds from his account to any other account with this bank  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

1.1 Purpose: This system provides an online solution to the customer by providing facilities such as:

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International Journal of Emerging Technology and Advanced Engineering Website: www.ijetae.com (ISSN 2250-2459, ISO 9001:2008 Certified Journal, Volume 3, Issue 7, July 2013) Hence it is essential for you understand this paradigm thoroughly. The following steps are executed when the user submits the request.  The Controller Servlet handles the user’s request. (This means the hyperlink in the JSP should point to the controller servlet).  The Controller Servlet then instantiates appropriate JavaBeans based on the request parameters (and optionally also based on session attributes).  The Controller Servlet then by itself or through a controller helper communicates with the middle tier or directly to the database to fetch the required data.  The Controller sets the resultant JavaBeans (either same or a new one) in one of the following contexts – request, session or application.  The controller then dispatches the request to the next view based on the request URL.  The View uses the resultant JavaBeans from Step 4 to display data. Note that there is no presentation logic in the JSP. The sole function of the JSP in Model 2 architecture is to display the data from the JavaBeans set in the request, session or application.

II. MODULES DESCRIPTION The system after careful analysis has been identified to be presented with the following modules: 1. Administrator. 2. Customer. 3. Transaction. 4. Security and authentication. 5. Reports 2.1 Administrator: Administrator can add the customers (users) and provides some username and password for the customer. Administrator can accept the cheque book requests, view all the transactions and provide loans information and branch details. 2.2 Customer: User can make a funds transfer to another account in the same bank or another bank. User is provided with a transaction password which is different from the login password. User applies the cheque book requests; view all the loan information, sub branch details. 2.3 Transaction: User can transfer funds from his account to any other account with this bank. If the transaction is successful a notification should appear to the customer, in case it is unsuccessful, and a proper message should be given to the customer why it failed. 2.4 Security and authentication: 1. User registration 2. Login as a user or administrator 3. Change password 4. Forgot password 2.5 Reports: In this module the different actors can generate the different types of reports according to their access. III. PROCESS FLOW The Model 2 architecture has been designed for this system. For designing JSP pages is in reality, Model View Controller (MVC) has been applied to web applications. Hence the two terms can be used interchangeably in the web world. MVC originated in small Talk and has since made its way into Java community. Model 2 architecture and its derivatives are the cornerstones for all serious and industrial strength web applications designed in the real world.

Fig.: Model II Architecture

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International Journal of Emerging Technology and Advanced Engineering Website: www.ijetae.com (ISSN 2250-2459, ISO 9001:2008 Certified Journal, Volume 3, Issue 7, July 2013) Following screens will be provided for Customers:

IV. FUNCTIONAL REQUIREMENTS

 A login screen for Customers and Administrators to enter the username and password, so that the authorized user can have an access without any problems.  For all services, there exist different page.  Security has been included for all types of users.

It includes:    

Registration of Employees and Customers. Admin will be able to register their branches. Customer can select account type as per their choice. Many services such as Bill Payment, Funds Transfer, and History Statements are available. For each services, there is different page.  Reports can be generated separately by Administrators and Bank Employees.  Separate profile has been included for Administrators and Customers.  Security has been mentioned.

B. Software Interface :        

V. NONFUNCTIONAL REQUIREMENTS 5 . 1 Performance Requirements:  This system has been tested more than 1000 databases and it works very fast.  Performance has been increased by adding some attributes in the system.

Operating System: Windows XP or Higher Version. User Interface : Html/CSS Client Side Scripting : Java Script Programming Language : Java Web Application: Jdbc, Servlet and Jsp IDE : My Eclipse 8.0 Database: Oracle 10g Server Deployment : Tomcat 5.x

C. Hardware Interface :  Intel Pentium IV or Higher processor  1.80 GHz  1 GB of RAM

5.2 Security Requirements: VII. SCREENSHOTS OF THIS PROJECT

 All the users of this system such as Administrator, Customer, Employee having their own user id and password.

7.1 Login Page

5.3 Portability Requirements:  This system is portable to run on windows as well as Linux and Mac OS.  If you want to run this system on Linux then IDE have to install for Linux.  We can make this system as online by purchasing domain name. 5.4 Maintainability  The user will be able to reset all options and all stored user variables to default settings. VI. EXTERNAL INTERFACE REQUIREMENTS A. User Interface : The application that will be developing will have a user friendly and menu based interface.

Fig. Login Page

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International Journal of Emerging Technology and Advanced Engineering Website: www.ijetae.com (ISSN 2250-2459, ISO 9001:2008 Certified Journal, Volume 3, Issue 7, July 2013) 7.2 Administrator Welcome Page

7.4 Services Master Page

Fig. Services Master Page

Fig. Administrator Welcome Page

7.5 Employee Reg. Page

7.3 Branch Page

Fig. Employee Registration Page

Fig. Branch Page

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International Journal of Emerging Technology and Advanced Engineering Website: www.ijetae.com (ISSN 2250-2459, ISO 9001:2008 Certified Journal, Volume 3, Issue 7, July 2013) 7.6 Update Profile Page

7.9 Customer Welcome Page

Fig. Update Profile Page

Fig. Customer Welcome Page

7.7 Report Page

7.10 Customer Reg. Page

Fig. Customer Reg. Page

Fig. Report Page

7.11 Customer Transaction Page

7.8 Admin Change Password Page

Fig. Customer Transaction Page

Fig. Admin Change Password Page

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International Journal of Emerging Technology and Advanced Engineering Website: www.ijetae.com (ISSN 2250-2459, ISO 9001:2008 Certified Journal, Volume 3, Issue 7, July 2013)    

VIII. LIMITATIONS Following limitations exist:  Only the permanent employees can access the system.  Advanced techniques are not used to check the authorization.

REFERENCES ―System Analysis and Design‖ by Elias M. Awad. ―Object-Oriented Databases and Their Applications to Software Engineering‖ by Alan Brown. [3] ―Database Management System‖ by Ramakrishna and Gehrke. [4] ―Java Programming with Oracle JDBC‖ by Donald Bales. [5] Java and XML By Brett McLaughlin. [6] Database Programming with JDBC and Java by George Reese. [7] Java Complete Reference by Herbert Shield. [8] www.tutorialspoint.com/hibernate/hibernate_pdf_version.html [9] http://www.webtechsoftwares.co.in/products/product.aspx?name=O nline_Admission_System [10] http://www.nispaara.com/html/online-admission-application.html [11] http://www.answers.com [1] [2]

IX. FUTURE ENHANCEMENTS These are some future enhancements:    

Reduced errors due to human intervention User friendly screens to enter the data Portable and flexible for further enhancement Web enabled.

System can be upgraded with new features. New Modules can be added. Security can be enhanced. New information can be added. X. CONCLUSION

WORK DONE: The ―Internet Banking System‖ was successfully designed and is tested for accuracy and quality. During this project we have accomplished all the objectives and this project meets the needs of the organization. The developed will be used in searching, retrieving and generating information for the concerned requests.

[12] www.wikipedia.org [13] http://www.consumer.ftc.gov/articles/0218-electronic-banking [14] http://www.icicibank.com/Personal-Banking/insta-banking/internetbanking/start-banking-online.html [15] https://www.danskebank.com/en-uk/ci/ProductsServices/Transaction-Services/business-systems2/online-bankingfor-businesses/Pages/online-banking-for-businesses.aspx [16] http://www/google.co.in

GOALS  Reduced entry work.  Easy retrieval of information

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