Jimy Java Project

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CHAPTER 1

1.0

INTRODUCTION

The main purpose that banks have been serving since their inception is keeping o

ur money safe for us. While keeping our money safe, they also let us earn a certain amount of interest on the money deposited with them. Traditional banks havebeen doing this, and internet banks continue the same function. The only difference is in the way the transactions are made. We all know about internet bankingand most of us use it quite often as well, but few of us actually understand about the history of internet banking and how it all came out. Knowing the historyof internet banking can be incredibly useful, especially since it will allow usto have more respect for the little things that we take for granted. Computers themselves have really come an enormous way since their initial establishment, asthe earliest electronic computers were so large that they would take up the ent

ire area of a room, while today some are so small that they can hardly be seen at all. In today's world, computers play an incredibly large role in the way the

world exists in general, and the majority of tasks could actually not be completed if not for the use of computers. Although there are certainly some areas andjobs that cannot yet be completed solely by computers and which thus still require actual manpower, for the most part, computers have helped to make life significantly easier, productive, and more convenient for us all. Internet banking hasbeen around for quite a few years now, but has really only become prominent ove

r the past year or so in particular. Internet banking offers an array of different advantages to the user, including:1


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account balances and history including year-to-date information, the ability totransfer money from one account to another and to payees for bill payments, check history, reorders, and stop payments, check credit card balances and statements, complete online loan applications, secure interactive messaging with staff, and much more. Internet banking basically allows you to be able to do everythingthat you can in your regular banking institution, only with the benefit that youcan do it all right from the convenience of your own home. Not only is this gre

at because you can be comfortable and have peace of mind knowing that you can keep track yourself of all your banking issues, but as well it allows for more ease because you never have to worry about rushing out and making it to the bank. 1.1 With STATEMENT OF THE PROBLEM the problems and limitations associated with manual banking

procedures as witnessed in most parastatals today, complied with the problems associated with the existing application programs even much more in the presence of serious technological advances aimed at improving information system. This isactivities aimed at shedding light upon the need for improvement in accounting activities and the means of achieving its efficiency, effectiveness, reliabilityand success promising future through computer intervention. Internet banking ide

ntifies a particular set of technological solutions for the development and thedistribution of financial services, which rely upon the open architecture of theInternet. With the implementation of an Internet banking system, the banks main

tain a direct relationship with the end users via the web and are able to provide a personal characterization to the interface, by offering additional customised services.

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1.2

PURPOSE OF THE STUDY

The aim of this project is to develop a secured online banking system with the following objectives: Create a banking system that is easily accessible by customers from the comfort of their homes, offices etc. Reduce the flow of hum

an traffic and long queues at banks Reduce the time wasted in going to banks tostay on queues. Promote efficient and effective banking for the banks by focusing on those services that still require physical presence at the banking hall.

1.3

IMPORTANCE OF THE STUDY

This will cover the benefits derived in using internet banking and its fundamental. 1.3.1 ONLINE BANKING HOW IS IT DIFFERENT? Many consumers today are turning to the ease and convenience of Internet banking to take care of their financial needs. With the new levels of access made possible by the Internet, people can

now check the status of their finances with the click of a button. The historyof Internet banking has evolved from simply allowing customers to check balancesonline, to now being able to trade stocks and bonds from the comfort of their own home!

1.3.2

WHY USE ONLINE BANKING?

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Online banking services have grown from simply allowing customers to check balances, to trading assets. Today, banks like ING Direct are functioning entirely online, with no brick and mortar building. With the costs saved by requiring feweremployees and the lack of facility expenses, these virtual banks can often offer higher interest rates than their traditional counterparts. Internet banking gives you the power to control your finances completely. You are no longer tied down to managing your money during the hours the bank is open. If you want to tran

sfer a balance after business hours, you can! If you have access to the Internetand have a number of recurring monthly bills, then you should use Internet banking to make your life easier. 1.3.3 FEATURES OF ONLINE BANKING

Today, online banking services are quite varied. One of the best features of online banking is putting the user in control. The user controls all bill paying, transfers, and investments from home. There are other features, though of onlinebanking. One of these is increased accessibility to your account information. Users of online banking services can access their account information from anywhere in the world! This is particularly helpful for businesses. Internet business banking is becoming increasingly popular, as businesses are becoming more globalin their reach. Now business people can access their accounts, even when on over

seas business trips. Business Internet banking is extremely popular for this reason. A particularly popular aspect of online banking services is the ability tomake bill payments electronically. With a minimum degree of set-up, customers can enter the amounts of their paper bills (or opt to receive electronic bills) and process all their payments at one time, from one screen

1.4

SCOPE OF THE STUDY4


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The scope of this project is limited to the activities of the operations unit ofthe banking system which include opening of Account, Deposit of funds, Withdrawal of funds and transfer.

1.5

METHODOLOGY

This project employs the object oriented approach of software engineering usingappropriate (UML TOOLS) an object oriented approach. Some of the steps to be taken are: Feasibility study understanding and identifying of existing system and associated study. Analysis proper analysis and suggested solution to tackle such problems will be considered. Design designing the new system will beachieved through an object oriented software tools (UML). Coding this is implemented as a 3tier architecture model using java language. The 3 layers of theapplication are as follows. 1, Java server pages / html pages front end 2, Java server pages / servlets middle end 3, SQL server as the back-end

1.6 MODE OF OPERATION WEBTRUST will contain self explanatory hyperlinks that cus

tomers can click to make any request or perform a task.

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If a customer clicks on account opening links, he is taken to page where he fills a form and clicks the submit button if he is through. A successful filling ofthe form gives a response that confirms the customer account is open and activated. Thus such a customer can receive money into such an account through funds transfer. Account details are sent by the bank to the customers email box. Registered customers or Account holders of the bank can now login using the account details posted to their email box to login before they can perform financial trans

actions. The system is secured such you cannot operate another mans account evenif you knew his account details because a new transaction number is always sentto a customer for each login. This transaction number is what will be used to authenticate any transaction per time.

1.7 DESCRIPTION WEBTRUST is built on the three tier architecture of web applications.

www.webtrust.com

Internet / intranet

JSP/Servlet(Application logic)

Home Services Contact .

Database

WEBTRUST Server (Web server)

Front-end6


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Middle-tier

Back-end

When a request is made on a web page through the browser, a jsp/servlet script that is residing on the web server (the WEBTRUST Server) processes the request. It connects to the database to retrieve the requested information and sends its r

esponse back to the browser which displays the output on another web page. The advantage of this architecture is that the database is more secured as it is onlyaccessible by the application logic (jsp/servlet script) that resides on the web server.

1.8 SOFTWARE TOOLS USED IDE: Net Beans 5.5 Language: Java Web Server: Apache Tomcat 5.0 Web Technology: JSP/Servlet Database: Ms Access / SQL Server

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CHAPTER TWOLITERATURE REVIEW The emergence of electronic commerce over the past decade hasradically transformed the economic landscape. For developing countries, the digital revolution offers unprecedented opportunities for economic growth and development, a case study of Pakistan.

2.1 DEFINING E-BANKING / ONLINE BANKING In the 21st century there will be a lot

of banking, but there will be no banks. Says Bill Gates. The term "online banking" or "internet banking" covers both computer and telephone banking. Using computer banking, a customer either uses his computer to dials directly into its bank

s computer or gains access to the banks computer over the internet. Using telephone banking, the customer can controls its bank accounts by giving the bankinstructions over the telephone. Both computer and telephone banking involve theuse of passwords which give access to the customers accounts. Using these methods, banking transactions can be actioned 24 hours a day. Online banking allowsthe person, for instance, to view recent transactions, print out statements andtransfer funds between accounts and make payments. Many banks also have the facility for someone to set up, amend or cancel standing orders. Internet banking also allows payments to be made to the customer, i.e. acceptance of credit card do

nations. Most people that use

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internet banking will also continue to use some of the elements of more traditional methods of banking, such as a cheque book.

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2.2

E-BANKING IN DEVELOPING COUNTRIES

Just like Internet infrastructure, E-Banking in developing countries is at earlystages; however there are some exceptions where countries like: Brazil have75% of enterprises, excluding micro-enterprises using the Internet for bankingin 2005. Morocco (34.9%). (United Nations Conference on Trade and Development, 2006), There is an increasing growth of online banking, indicating a promising future for online banking in these countries.

In China, while banks issue credit cards and while many use debit cards to drawdirectly from their respective bank accounts, very few people use their credit cards for online payment. Cash-on-delivery is still the most popular mode of e-co

mmerce payment. Nonetheless, online payment is gaining popularity because of theemergence of China pay and Cyber Beijing, which offer a city-wide online payment system. (Zorayda Ruth B. Andam, 2003).

The Nigerian economy is largely cash-based with a lot of money residing outsidethe banking system. To a greater extent, this has hindered the participation ofher citizens in e-commerce where epayment is the acceptable means of settling transactions. (Ayo Charles. K and Babajide Daniel O, 2006). In Nigeria, the modernization of the payment process started with the introduction of the MICR. This9


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was followed by the establishment of ATMs for cash dispensing, account balance enquiry and payment of utility cheques. In 1993, the Central Bank of Nigeria (CBN), introduced the use of payment cards (smartcard) and paper-based instrument. Similarly in 2004, CBN introduced a broad guideline on e-banking which included the introduction of ATM, e-money products such as credit and debit cards (Salimon, 2006).

The Turkish banking sector has not only grown in numerical terms it has also expanded in terms of technology and the range of new services offered to its localand foreign customers. The sector has been viewed as the leader of technologicalinnovations in Turkey.

Although a lot of work and progress has been made in electronic banking by thesecountries, but these nations are still cash based economies largely. There needs to be a regulatory framework and awareness among the banks and the consumers about the benefits and drivers of such systems. Fast adoption of electronic formof banking is the need of the day for these developing nations to survive in tod

ays hypercompetitive global world.

2.3 E-BANKING IN PAKISTAN Just like many other developing countries, electronicbanking initiatives are being worked on in Pakistan to exploit the technologicalbenefits that can be reaped along with many other e-readiness initiatives beingtaken.

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Pakistan has been among the late entrants into e-banking. The first ATM switch was setup in 1999 and in2000 Internet Banking was introduced. (Ali Ahmad, 2006) When the government started an information-technology (IT) and ecommerce initiative in early 2000, the banks were expected to lead the way into e-commerce. However, although the banking sector is the leading spender on information communications technology, the most progress in ecommerce has been in e-government. Somebusiness-to-business (B2B) portals are available, but they are designed more fo

r Information than transactions. (The Economist Intelligent Unit, 2006)

Since the de-regulation of the banking sector in Pakistan in 2002 many foreign and private banks have established strong consumer base by adopting e-Commerce techniques, thus exploiting the first mover advantage myth. However, for such initiatives to be successful Government needs to play an active role in creating awareness among the consumers and a regulatory infrastructure and legislation.

Pakistani government has already started working towards forming an informationsociety to create awareness among the people but the process is relatively slow.The Ministry of Science & Technology has been taking number of measures to promote E-Commerce and E-Banking in Pakistan, Technology helps to catalyze efficienc

y in the provision of financial services and ultimately in determining the winners in the intensely competitive financial markets of the future.

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The use of ATMs and e-banking products is gaining currency and almost all bankshave established networking of their ATMs with the interconnectivity of switches. Better outreach offered by ATMs will enhance the customer base and offer morealternatives and choices to customers. Further development on e-banking and internet banking will open up new avenues like on-line banking. Among others, the relatively smaller size banks will be able to compete with the large banks and retain their market presence by using technology more effectively. Technology tends

to have a high degree of obsolescence. Thus, the financial institutions will have to invest heavily in the development of their IT systems, which might initially burden their resources.

Half of the countrys 7,000 commercial-bank branches, including 90% of the branches in urban areas, had been computerised by August 2006. Many banks and exchange companies offer online funds transfers from overseas, such as for workers remittances. A few of banks offer mobile-phone banking, where customers can pay utility bills using their mobile phones. The National Institutional Facilitation Technologies (NIFT), an automated check-clearing house was operating in 14 cities in August 2006, and it processed 60m checks per year in 2005/06. NIFT is a public-private company owned 51% by banks (The Economist Intelligence Unit, 2006)

In recent years, Automated Teller Machines (ATM), Tele Banking, Internet Banking, Credit and Debit Cards, etc. have emerged as effective delivery channels for traditional banking products in Pakistan. Foreign banks took the

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lead by re-introducing credit cards to the Pakistani mass market in mid1990s. (State Bank of Pakistan, 2003) This was followed by the domestic banks, which introduced ATM facility in late 1990s. However, this delayed entry in e-banking maybe largely explainable by regulatory hurdles, higher start-up costs, 38 ongoingbanking sector reforms, and lack of technical skills.

At present, a number of commercial banks have set up their own standalone ATM ne

tworks, issuing credit and debit cards, offering round the clock phone banking,and maintain comprehensive websites providing detailed information on their conventional and e-banking products. Furthermore, all banks have joined one of the two operating ATM Switch Networks (MNet and ATM Switch Network) and these two switches are in process of linkage with each other. Haven linked these two switches, customers will have access to over four hundreds ATMs throughout Pakistan.39 However, other e-banking activities are yet to establish. In Pakistan, the ATMs generally allow cash withdrawals, balance information, PIN change, and to print mini-statement. A few banks also provide fund transfers, check book request, andutility bill payment facilities through their ATM networks.

2.4 METHODOLOGY This is an exploratory research that evaluated different factors

that why consumers in Pakistan are reluctant to adopt e-banking. Data collection methods are an integral part of research design. Both primary and secondary data are used in this research. Three research methods; surveys, case studies andresearch articles had been used for this paper.

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A questionnaire was developed to gather data from the banking consumers, which consisted of two sections to which there were 145 respondents forming a Non Probability Sample. The sample data consisted of 34 Online Banking users while 111were non-users.

2.5 PROFILE OF RESPONDENTS: The majority of the respondents were male (83.3%), young (73.7 %) were between the age of 18 and 30. 53.3 % of the respondents were

employed, 36% were students and belonged to the income class between RS 10,000 -20,000. For the purpose of this project, two commercial and four national bankshad been analyzed.

Table 1. Age Profile of respondents Frequen Valid 18-25 years 26-30 Years 31-40Years 41 & Above TOTAL 145 100.0 100.0 cy 78 32 24 117 Percent 53.8 22.1 16.6 67.6 Valid Percent 53.8 22.1 16.6 100.0 Cumulative Percent 53.8 75.9 92.4

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Table 2: Most important reasons for opening an internet account

Valid Better rates Safety & security Low services charges Easy to maintain transaction activity Loan payment information Seeking product & rate info Download loan application Download personal dank transactions Check balance online Consumerloans & credit cards applications Inter account transfer Online bill payments

Frequency 13 16 13 19 10

Percentage Agreeing 38.2 47.1 38.2 55.9 29.4

13 12

38.2 35.3

16 16 16 13 13

47.1 47.1 47.1 38.2 38.2

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Table 3: Reasons for not opening an online bank account Frequency Never had of internet banking Dont know whether my bank offers this facility No time to opensuch account Dont see any real value Would like to see how it works before Notavailable through my bank Concerned about security 33 51 38 52 51 45 42 29.7 45.9 34.2 46.8 45.9 40.5 37.8 Percentage Agreeing

Table 4: Important factors for non-users in choosing online banking facilities

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Frequency Better rate & lower service charges Bank familiarity Bank location Security of transactions Convenience Quick service Variety of features & services 79 82 73 79 83 81 79

Percentage Agreeing 71.2 73.9 65.8 71.2 74.8 73.0 71.2

2.6 CONCLUSION The findings reported here clearly indicate that at macro level w

hereby due to globalisation and a demanding lifestyle, there is a strong need for having one stop online banking accounts. The analysis therefore shows that thelevel of electronic readiness and participation is rather low for a populationof approximately 169 million in Pakistan. It was also interesting to note the perceptions about prospective benefits regardless the limitations and reasons fornot adopting online banking. Although online banking is not yet ubiquitous in Pakistani society but there is a very high potential and scope. It is about time that the Government, banks and consumer realize that without adoption of the newemerging technologies such as e-banking they will lag behind as pointed out by Andy Grove: You have no choice but to operate in a world shaped by globalizationand the information revolution. There are two options: adapt or die. Andy Grove, Chairman, Intel.

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CHAPTER 3SYSTEM ANALYSIS AND DESIGN This chapter deals with the analysis and design of Online Banking, application of new system, the hardware and software requirementsfor implementing the system and stating the choice of the language used. 3.1 Defining a system:

A system is a collection of components, which are interconnected, and work toget

her to realize some objective. There are three major components in every system,1. input 2. processing 3. Output.

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Input

Processin g

Output

3.2

Analysis

System analysis is a logical process; the objective of this stage is not actually to solve the problem but to determine what must be done to solve the problem.The basic objective of the analysis stage is to develop the logical model of thesystem using tools such as UML (Unified modelling language). First lets take alook at the existing and proposed system.

3.2.1 Existing System

Existing system is the traditional banking, where customers have to go through t

he long queue, time wasted and still wouldnt have access to efficient and effective banking system.

3.2.2 Proposed System:

Considering the stress and time taken to go to bank and do transaction. The development of a well structure and secured online banking system will allow customer to perform objectives like, creating a banking system that is easily accessible by customers from the comfort of their homes, offices 24/7.19


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Reduce the flow of human traffic and long queues at banks; Promote efficient andeffective banking for the banks by focusing on those services that still require physical presence at the banking hall. Provides intra-bank funds transfer services to their customers. Keep a detailed log of customer transactions with the bank on his account. Generate the statement of account of a selected period BANKING (WEBTRUST And Provide a customer ONLINE of time for customers. BANK relationship services

PLC)

3.3

UML DIAGRAM OF WEBTRUST

REGISTER MANAGE CUSTOMERS SIGN IN

SystemMANAGE OPEN AN ACCOUNTS ACCOUNT

System Customer

20OPERATE AN MANAGE TRANSACTION ACCOUNT

Customer


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3.3.1 MAIN COURSE OF EACH USE CASE. 1. REGISTER (Actor: Customer) Pre-condition:None 1.1Navigate to the Registration page 1.2Fill the registration form 1.3Submit the form Post-condition: Get instant message that customer profile is createdand login details is sent to inbox 2. SIGN IN (Actor: Customer) Pre-condition:Register as a Customer 1.1Navigate to sign in page 1.2Enter login details 1.3Click Login Post-condition: Access is granted to the user home page for the customer

3. OPEN AN ACCOUNT (Actor: Customer) Pre-condition: Login as a customer 1.1Clickthe create account button on the user home page 1.2View the create account page1.3Enter account name for the new account 1.4Select account type for the new account21


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1.5Click submit button Post-condition: The new account is added to the accountslist on user home page

4. OPERATE AN ACCOUNT (Actor: Customer) Pre-condition: Login as a customer 1.1Select the account to operate in the list of accounts 1.2Click the desired operation such as deposits, withdrawals , funds transfer and statement of account Post-condition: Access is granted to the appropriate transaction page for the selecte

d account

5. MANAGE CUSTOMERS (Actor: System) Pre-condition: None 1.1Create customer inbox1.2Generate customer login details 1.3Sends details to inbox Post-condition: Customer can check his login details in his inbox.

6. MANAGE ACCOUNTS (Actor: System) Pre-condition: None 1.1Generate account details22


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1.2Send details to customer inbox Post-condition: Customer details such as account no, access code etc is sent to inbox.

7. MANAGE TRANSACTIONS (Actor: System) Pre-condition: None 1.1Execute transaction instructions 1.2Updates customer account 1.3Generate account balances Post-condition: Customer sees the current state of account on the user home page

3.4 UML DIAGRAM FOR OPERATING AN ACCOUNT

OPERATE AN ACCOUNT (WEBTRUST BANK PLC)23FUNDS WITHDRAWA STATEMENT Click TRANSFER DEPOSITS LS OF


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3.4.1 MAIN COURSE OF EACH USE CASE. 8. DEPOSIT (Actor: Customer) Pre-condition:Select the account to operate 1.1Navigate to the Deposit form page 1.2Fill the deposit slip 1.3 Submit the slip Post-condition: Selected account is credited appropriately 9. WITHDRAW (Actor: Customer) Pre-condition: Select the account to operate 1.1Navigate to Withdrawal form page 1.2 Fill the withdrawal slip 1.3 Submit the slip Post-condition: The selected Account is debited and it can be viewedby clicking on the statement of account which displays all the transaction

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10.FUND TRANSFER (Actor: Customer) Pre-condition: Select on the account on whichthe fund is to be transferred 1.1Navigate to the Fund transfer form page 1.2Fill the fund transfer slip 1.3Submit the slip

11. STATEMENT OF ACCOUNT: (Actor: Customer)

Pre-condition: Click on the account on which the statement is to be viewed 1.1 N

avigate to the Statement of Account form page 1.2View the transactions of the selected account

3.5 ENTITY RELATIONSHIP(ER DIAGRAM) OF THE TABLES USED

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CHAPTER 427


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IMPLEMENTATION 4.1 System Implementation

During the implementation stage the system is physically created. Necessary programs are coded, debugged and documented. A new hardware (where necessary) is selected, ordered and installed. 4.2 System Specification Every computer system consists of three major elements. 1. The Hardware 2. Application Software. 3. Operating system For successful operation of the package following must be kept in mi

nd: Too many packages should not be used, as very few systems may have all thosepackages installed due to memory problem. Thus, the compatibility of the systemdeveloped will get reduced. 4.3 Hardware Requirements

Intel Pentium III processor at 750 MHz or faster, minimum of 1G available disk space for installation (including IBM SDK), minimum of 512 MB memory, CD-ROM drive. 4.4 Software Requirements

Software tools used IDE: Net Beans 6.128


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Language: Java Web Server: Apache Tomcat 6.014 Web Technology: JSP/Servlet Database : Ms SQL Server 2000 The application software is developed in Java, and thecentral database is based on MS SQL Server 2000. The system can be accessed on astandalone computer. Implementation A.) Create a DataSourceName(DSN)

To Create a DSN, You need to perform following steps: 1. You need to first openthe Control Panel window. 2. double click Administrative Tools icon. 3. To open

the ODBC Data Source Administrator dialog Box, double click the Data sources ODBC icon. The following figure shows the ODBC Data Source Administrator dialog Box:

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ODBC Data Source Administrator Dialog Box 4. Click the Add button to select a driver for creating a DSN. 5. To connect to SQL Server 2000, select the SQL ServerOptions from the name list box in the Create New Data Source Dialog Box. 6. Click the Finish button to complete the task of selecting the driver for creating aDSN. B.) Specify the Connection details for the DSN 1. To Create a DSN, type the name of the data source in the name text box of the Create a New Data Source to SQL Server dialog Box as shown in the following figure.

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2. To select the required SQL Server select the name of the SQL Server from theServer drop down list and click the Next button. 3. To indicate how the SQL Server should authenticate a login ID, select with the SQL Server authentication using a login ID and a password entered by the user option. The login ID and the password entered by the user option. The Login ID and Password textboxes becomes active as shown in the following figure.

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4. Type the username and password in the text boxes and click Next. 5. To enablethe database drop-down list, select the change the default database to options.6. To select the required database select the name of the database from the drop down list and click Next button. 7. Select the language for the System messages to English and click Finish.

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8. The ODBC Microsoft SQL Server Setup dialog box appears with all the details about the created DSN as shown in the following figure.

9. To test the created DSN for the connection with the database, click Test

Data Source button, the message regarding the connectivity test appears. 10.Click Ok to save the Configuration settings for the new data source.

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11.To verify that the DSN is created, check the name of the Created DSN in the user data source list box of the ODBC Data Source Administrator dialog box and click Ok. The following figure shows the ODBC Data Source Administrator dialog box.

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Displaying the webtrust Data Source created.

The Data Source is then used in the Login Process, to access specific tables inthe database.

4.5

SCHEMATIC DIAGRAM OF DATABASE

Schematic Diagram of Database depicting the Data Types used and relationships among them with Database views. Each of these diagrams represents the tables thatwould be created and would be worked along with. The database that would be useddepends on the Data Source that is created by the administrator linking to itspreferred Database.

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4.6 Recovery & Security A forced system failure is induced to test a backup recovery procedure for file integrity. Inaccurate data are entered to see how the system responds in terms of error detection and protection. Related to file integrity is a test to demonstrate that data and programs are secure from unauthorizedaccess. Usability Documentation & Procedure: The usability test verifies the user-friendly nature of the system. This relates to normal operating and error-handling procedures. 4.7 Quality Assurance

Proper documentation is must for mainframe of any software. Apart from Inline documentation while coding. Help coding, help files corresponding to each programwere prepared so as to tackle the person-dependency of the existing system.

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CHAPTER 5RESULT AND CONCLUSION This section discuses the result of the work done in thisproject And also mentions the future scope for improvement. 5.1 Conclusion As the world becomes more of a global village being runned by paperless systems, theidea of a cashless society is the hope of the future. Thus more innovations willstill evolve which will make cashless transactions easily accessible and affordable. 5.2 Future Scope of Improvement

The Banking Online System is a big and ambitious project. I am thankful for being provided this great opportunity to work on it. As already mentioned, this project has gone through extensive research work. On the basis of the research work, we have successfully designed and implemented banking online System. This system is based upon 2-tier client server architecture. The tools used for development were as follows.

Front-end-----Net beans 6.0.1 Back-end----MS SQL Server 2000

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5.3 Annexure A Home Page

Sample forms

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Customer Information

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Viewing Signature form

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Viewing Sign-In Page

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Welcome Login Account Page

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Account Details

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BioData

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Statement of Account

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Deposit Views

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Withdrawal Views

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Fund Transfer Views

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PROGRAM LISTING

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// createAccount.jsp


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int byteread = fis.read(bytearray,0,avail);

userid = new String(bytearray).trim(); } catch(IOException ioe) { out.println(ioe.toString());

}

%> Signature Form .ms-contemp-main { BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFTSTYLE: none; BORDER-BOTTOM-STYLE: none } .ms-contemp-tl {

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BORDER-RIGHT: white 2.25pt solid; BORDER-TOP: white 2.25pt solid; FONT-WEIGHT: bold; COLOR: black; BORDER-LEFT-STYLE: none; BORDERBOTTOM-STYLE: none } .ms-contemp-left { BORDER-RIGHT: white 2.25pt solid; BORDER-TOP: white 2.25pt solid; FONT-WEIGHT: normal; COLOR: black; BORDER-LEFT-STYLE: none; BORDERBOTTOM-STYLE: none}


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style="Z-INDEX: 2; LEFT: 34px; WIDTH: 475px; POSITION: absolute; TOP: 2px; HEIGHT: 64px"> 57


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Specimen Signature form

Fix passport Here &nbsp

;

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User id: Enter your choice password 62


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Password: Confirm Password:

NOTE: Don

t forget your userid, password and the access code that

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REFERENCES 1. Ayo Charles. K and Babajide Daniel O, 2006, Designing a Reliable Epayment System:2. www.google.com

3. www.wilkipedia.com 4. Nigeria a Case Study, Journal of Internet Banking and Commerce, vol. 11, no.25.

Ali Ahmad, 2006, Policies & Regulations for Expanding e-banking to the Poor, TheFirst Microfinance Bank Ltd, Pakistan, 5

6. Dr. Shamshad Akhtar, 2006, Financial Sector of Pakistan The

Roadmap, Dawn Asia Finance Conference. http://www.sbp.org.pk/about/speech/governors/dr.shamshad/2006/Daw n-Asia-Finance-Conference-13-May-06.pdf 7. Salimon Alao(2006): Moving towards a cashless economy, Financial Standard, vol 7, no: 60,pp 19-21, June 2006. 8. The Economist Intelligence Unit, Nov 2006 Overview of e-commerce in Pakistan,66


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http://globaltechforum.eiu.com/index.asp?layout=rich_story&doc_id=9 616&title=Overview+of+ecommerce+ in+Pakistan&categoryid=30&channelid=4, Accessed 18/06/07

9. Zorayda Ruth B. Andam, 2003, e-commerce and e-business, e-Asean Taskforce UNDP-APDIP, Phillipines & Malaysia, 23

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Jimy Java Project

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