Project 5 Presentation LOAN DIRECT A Web Site for Financial Services Susanne Krabbe- Catherine...

Project 5 PresentationProject 5 Presentation

LOAN DIRECTA Web Site for Financial Services

Susanne Krabbe- Catherine Ledogar - Gaudenz Pacher-Theinburg

Laetitia Soler - Tang Yi

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AgendaAgenda

Objectives Project description Choice of Technologies Task Assignment Timetable Financial Aspect Calculations

Database Structure Security Aspect Technical Aspect Web Design Demonstration Evolution Assessment

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ObjectivesObjectives

Bank clerkBank clerkCustomerCustomer

• Easy application

• Short application

• Quick access to funds

• Flexible financing

• Flexible loan amount

• Flexible repayment terms

• Easy to use

• Support on decision making

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Project DescriptionProject Description

Online financing a start up company

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Choice of TechnologiesChoice of Technologies

Web server : Apache

Database server : MySQL

Script language : PHP4

Extension : PHPLib

HTML 4.0

CSS

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Task AssignmentTask Assignment

Functionalities definition Web site design Database structure Calculations Server Security Final documentation

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TimetableTimetable

Phase 1 : Information gathering, assesment of existing sites on the subject, installation of software environment

Phase 2 : Definition of the detailed architecture and design of the site ; selection of technical solutions for implementation

Phase 3 : Development of a prototype and documentation

Oct

Phase 1Phase 1

Phase 2Phase 2

Phase 3Phase 3

Nov Dec Jan Feb

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AgendaAgenda



Financial AspectFinancial Aspect

Cs of credit

Credit Scoring method

Categories

Z-Score Modell

Financial Calculatios

Structure

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Cs of CreditCs of Credit

Character CapacityCapital CollateralsConditionsCoverage

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Credit Scoring methodCredit Scoring method

Score values (additive or multiplicative), weight

Neuronal nets Classes – Division Score

Rating Classes – Division Score

Prescreptive - descreptive

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CategoriesCategories

Final Score

• Market share

• Sector trends

• Market growth

• Structure of organ.

• Experience

• Strategy

Financial situation

Market position

Quality of management

• Equity rate

• Cash Flow

• Return on total ..investment

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Z-Score ModellZ-Score Modell

Working Capital / Total Capital Open depreciation fund / Total Capital Profit before interest and tax / TC Market value EK / FK Turnover / TC

Weight determined by discriminatory analysis

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Calculations we usedCalculations we used

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Financial CalculationsFinancial Calculations

• Equivalent with internal rate of return

• Mathematical correct average of payements

• Equivalent with repayment

• Interest proportion repayment proportion

Interest

Annuity

Effective rate

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Database StructureDatabase Structure

8 Tables :

Identity_of_ requester Project_presentation Loan Bank_clerk Complement_on_the_requester Complement_on_the_project Calculations Activity

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Database architectureDatabase architecture

Identity_of_requester

Complement_on_the_project

Complement_on_the_requester

Project_presentation Activity

Loan

Calculations

Bank_clerk

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Links between tables :

IDENTITY_OF_REQUESTER

and COMPLEMENT_ON_THE_REQUESTER


Identity_of_requesterIdentity_of_requester

User_id

…

Complement_on_the_requesterComplement_on_the_requester

User_id

…

Fk_user_id

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PROJECT_PRESENTATION

and COMPLEMENT_ON_THE_PROJECT

Project_presentationProject_presentation

User_id

…

Complement_on_the_projectComplement_on_the_project

User_id

…

Fk_user_id

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IDENTITY_OF_REQUESTER

and PROJECT_PRESENTATION

User_id

…


User_id …

Fk_user_id


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and CALCULATIONS


User_id

…

CalculationsCalculations

Calculations_num

…

Fk_ user_id

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and LOAN


User_id

…

LoanLoan

Loan_num

…

Fk_ user_id

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BANK_CLERK

and LOAN

Bank_clerkBank_clerk

Bank_clerk_num

…

LoanLoan

User_id

…

Fk_bank_clerk_num

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Project_PresentationProject_Presentation

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LoanLoan

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Bank_clerkBank_clerk

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Complement_on_the_requesterComplement_on_the_requester

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Complement_on_the_projectComplement_on_the_project

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CalculationsCalculations

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ActivityActivity

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AgendaAgenda



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Security AspectSecurity Aspect

Access control

Database backup

Firewall

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Access controlAccess control

User and Password authentication

Grant user privilege

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Backup strategyBackup strategy

The backup system

Full backups & Incremental backups

Tape rotation scheme

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Three levels protectionThree levels protection

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Firewall ArchitectureFirewall Architecture

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AgendaAgenda



Technical Aspect-PhpTechnical Aspect-Php

Sessions/DB Connection

Authentification

Validation

Structure

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PHP Lib -SessionsPHP Lib -Sessions

- Need of passing variables from one site to the other

- Set variables called session (identified by SessionID)

CookieUrl

-Fallback solution if (cookie_enabled) cookie

else url

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SessionClass OverviewSessionClass Overview

Class Ex_CT_Sql extends CtSql{

Var $database_class = „Ex_DB“;}

Ex_Session Ex_CT_Sql Ex_DB

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AuthentificationAuthentification

Influence on transmission (use of kryptographical methods)

Calculated / time limited logoff Username as login schema not necessarily User data for personalisation Controll of appareance of loginscreen

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LoginClass OverviewLoginClass Overview

Uses >

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Validation Validation

Server Side (PHP) Client Side (JavaScript)

Strlen() Ereg() Empty() Email address:

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AgendaAgenda



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Web DesignWeb Design

Technical requirementsStructure of the web siteNavigation The questionnaireConveniences for the user

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Technical requirementsTechnical requirements

Internet Explorer 5.xNetscape 4.7xHTML 4.0CSSJavascript enabledCookies enabled

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Structure of the web siteStructure of the web site

Home Application Contact us Log in Links Sitemap Your Opinion

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Different users - different siteDifferent users - different site

Login

Bank clerk Client

bank_clerk.php client.php

• List of clients • Data of the client

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Different users - different siteDifferent users - different site

Navigation for the client

Navigation for the bank clerk

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The questionnaireThe questionnaire

• to collect the data necessary for the loan decision• two possibilities to fill in the data (dependent on the „status“ of the user 1. Application -> apply 2. Log in -> A new loan)

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Conveniences for the userConveniences for the user

Search facilityPrint buttonsSupport of different languages

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DemonstrationDemonstration

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AgendaAgenda



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EvolutionEvolution

The future of Loan Direct :

Click on the phone number of the bank clerk to call him

Net Meeting with the bank clerk thanks to a digital camera (visio conference)

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AssessmentAssessment

Discovering others working methods and their adequacies

Perpetual communication among the various members of the group

A very enriching experiment

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ThanksThanks

Mrs. Claudia Schremmer

M. Jean-Claude Grattarola

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Thanks for your attention !

Merci de votre attention !

Danke für Ihre Aufmerksamkeit !

!

Project 5 Presentation LOAN DIRECT A Web Site for Financial Services Susanne Krabbe- Catherine...

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