8/4/2019 Formatted Contents
1/62
a project for partial fulfillment ofDOEACC A Level
8/4/2019 Formatted Contents
2/62
I - 1
Table of contents
TopicSection
Introduction to Banking SectorI
Manual Data HandlingII
Introduction to ComputerizationIII
Computerized Banking SystemIV
System RequirementsV
Structured AnalysisVI
Introduction to bANK-iNDIANSVII
Specification of SystemVIII
Source Code ImplementationIX
Gopal K Verma Table of contents
8/4/2019 Formatted Contents
3/62
I - 2
Getting StartedX
Views & TestingXI
ConclusionXII
Appendix
XIII
Gopal K Verma Table of contents
8/4/2019 Formatted Contents
4/62
I - 1
What is a bank?
Bank is a special kind of unit that works under government
and as per its rules and regulations. It is an financial body unit that
deals in monetary market. It provides loans on interest and invites
people to save their money. It uses to provide them interest on their
savings with bank. Bank is now become the centre of whole economy
of any country. It is the centre of faith ness. People believe them and
vice versa. It provides help to peoples in several ways. The main
work of any bank is to make peoples money safe and secure, also
provide people loan under various schemes.
The evaluation of bank is stated as it come from the ideaof making a money pool that will make money safe and provide loan
to do the needful. Actually bank takes money from people then
distributes them under loan schemes. The money that it gives to
people say loan is the investment of the bank, and it uses to take
interest on that money. The money that it has taken under savings of
people, say saving, under different account schemes, is liability or
loan for the bank and it has to pay interest on that. The interest it
takes is always higher that what it gives to people on their saving.
The difference is the profit of the bank.
How it works?
Gopal K Verma Introduction to Banking Sector
8/4/2019 Formatted Contents
5/62
I - 2
As we have already studied the basics of working
procedure of a bank. Taking money from people by providing them
interest on low level, and on the other hand providing money as loan
and charging interest on high level. The difference is the profit of the
bank.
Generally, a bank maintains accounts of people that use to
save money under bank. Bank maintains their accounts in some
categorized way. These accounts can be categorized in three
categories:
1. Saving Accounts
2. Current Accounts
3. Fixed Accounts
Description of Bank Accounts
Saving Accounts is an account that is mostly used to
make savings on salary basis. It has medium rate of interest. One
can easily deposit and withdraw money by just filling a bank voucher.
Most of the people in India are using this account to make their
savings. Generally, this account assumes that customer will deposit
his/her money more frequently then withdraw in a period of time.
Normally, a bank allows a transaction maximum twice a day with this
kind of account. This ratio can differ according to banks policies.
Gopal K Verma Introduction to Banking Sector
8/4/2019 Formatted Contents
6/62
I - 3
Current Accounts are an account that is used for
business daily transactions. It has lower rate of interest because of
frequent transactions. This account allows users to deposit and
withdraw money several times a day. A bank can also charge extra
remuneration, depends upon the number of transactions made per
day. This is the best suitable for companies and businessmen that use
to have frequent transactions with the bank by means of drafts or
cheques. Frequent transactions increase the work load of bank, thats
why this kind of bank has lower rate of interest.
Fixed Accounts is an account with highest rate of
interest among the above accounts described. It is fixed for a number
of years for example 5 years fixed deposit account, i.e. account user
can not make transaction with this money that is depsited under fixed
account. The customer will be able to get his/her money with interest
whenever the period will over. This account is suitable for the users
who want their money in safe. This account is not recommended for
companies and businessmen, as it makes money blocked.
These are the accounts that one can have with any bank.
Anybody who is eligible to open an account with bank can have an
account with the bank. Generally all the banks have same eligibility
criteria. Now a days, due to competition in the market bankingcompanies are offering newer accounts or policies with better rate of
interest. But traditionally all of them use to serve the accounts
mention above for different users as per their needs.
Gopal K Verma Introduction to Banking Sector
8/4/2019 Formatted Contents
7/62
I - 4
Future of banking sector
Banking sector reflects the economical status of any
country. Banks are now symbol of prosperity and faith. Today, the
banking sector has grown up, and will grow in future unless some
thing takes it place. Earlier only the government was engaged in
baking sector. Government had its monopoly over banking sector.
But now the private bankers and financial companies are also a part of
this revolution. They are paying their bit in this sector. A healthy
competition is seemed to be here in this sector. Each and every single
person is related with this sector.
In future, we will see bank services, too fast that we cant
assume today. Loan procedure and saving schemes will become in
favor of people. Lots of companies will be seen in this sector. Today,
its procedures are little bit typical and complicated but in future it will
be smooth. E-banking will be one of the feature of futures banking
sector. E-banking will make transaction at higher speed. Electronic
cards will take place of todays vouchers and books. Countries, like
India, that are developing themselves now will pay more attention
towards banking sector. Machines will take place of todays
employees or help them executing transactions fast. Its future is
bright with banking sector. They will perform as money makers.
Globalization will be one the main feature of this sector.
Gopal K Verma Introduction to Banking Sector
8/4/2019 Formatted Contents
8/62
I - 5
Gopal K Verma Introduction to Banking Sector
8/4/2019 Formatted Contents
9/62
What is Data-handling?
Any text, picture, graph, number or any other element
that is to be processed is called data, and processed data is called
information. Generally information is computer field is refered to as
data. Data-handling is to handle these elements described above i.e.
text, picture, numbers graphs or such any thing. Data is handled
always for present or future purposes. Data differes by its users for
example a data for company could be cash balance or bank balance,
and for a bank data could be number of accounts opened or money
deposited with bank. Actually data-handling is to maintain data
concerning with that person or company or such any other thing.
Maitaining or data-handling includes gathering information
about data, storing it somewhere, adding security (if necessary), and
moreovre retrieving that stored data or information whenever needed.
Security matters when data is sensitive. Security could be of any type
like security at the time of collecting information or storing it or
retrieving it. Data handling has its own procedure. It can be shown
as:
Gopal K Verma Manual Data Handling
II - 1
Gathering Data
Maintaining Data
Retrieving and Updating
8/4/2019 Formatted Contents
10/62
Manual Data Handling
When the process of data-handling is done manually its
called manual data handling. Previously, all over the world human
used to store his data manually. Still in India and in many countries of
the world data is handled manually. India has its own system of
manual data handling i.e. Mahajani Bahi Khata Pranaali. In ancient
India, people who were engaged in businesses were called mahajans,
or vanik. The double entry data handling system is work just like
mahajani bahi khata pranaali. Now as the economical world has made
its growth, about all over the world the double entry data handling
system is working.
Keeping records manually refers one writes the collected
data in books, and himself retrieves it whenever needed and when
security issues matters these books kept under locks or lockers.
There is no other technique to make them safe. This technique is still
undergoing in many places of India. It is frequently used in very small
scale industries or people having own business are using this
techniques.
Drawbacks of Manual Data Handling
Handling data manually was the only technique in the
Gopal K Verma Manual Data Handling
II - 2
8/4/2019 Formatted Contents
11/62
past. As weve discussed earlier one himself has do all the works from
collecting data to manipulation and retriving it back from books. This
technique has ruled the for a number of decades. But Some of its key
features are given below:
Accuracy cant be occupied hundred percent with this
technique, because a man after all a man. He can make mistakes
anywhere in this long procedure, moreover when we are talking about
banking sector it is most important. There is no other procedure than
to have keen sight on the papers to get errors made. It is difficult to
get papers out of errors.
Natural hazards are always exists everywhere. Nothing
is fixed in this world. Anything can happen anytime. Keeping books in
safe is just not the safety. One should do more to have his data safe
and secure. No one can assume these hazards and one is not able to
be there to secure his data everytime. So better steps should be
taken for that.
Speed and efficiency is another critical matter in this
sector. This technique is adequate to have personal informations only
else it has too slow procedural work load that should not be in a
system where speed matters. Speed doesn't get effected by thenumber of persons instead number of persons handling the same work
in different phases causes more delay than a person is engaged with
multiple phases and it is impossible that one is perfect in everyphase
of data-handling
Understanding the procedure for manual data-handling
requires professionalism. It is complicated that is why a graduate
Gopal K Verma Manual Data Handling
II - 3
8/4/2019 Formatted Contents
12/62
person without having knowledge of each phase can't make his/her
work at the best. Making some one enable for that purpose, like
giving him/her training for a period of time is time consumable and a
headache.
Cost matters in every financially linked work. Whether it
is to trained personnel or to recruit when there is work load or to make
insurance etc to make data safe from natural or moral hazards,
increases cost per head that ultimately causes a detereoration in
business profits. There is no system that can decrease cost in manual
data handling.
Security have more important place in banking sector,
because this sector contains a lot of sensitive informations and data.
But in manual data handling, no security features can be seen.
Anyone can access any document that enhances the chances of
information leakage. It is not possible to make every document in
lockers.
Reports help business to have a sight on there woking
schedules and progress chart of business. In banking sector, a
customer want to know how much he/she has in their account, and the
banking management want to see how much accounts there are withthe bank. Report generation in manual data handling system can
cause much errors including accounts errors or countation errors
because error making is a quality human nature.
These disadvantages proves that Manual Data Handling
System is not suitable for banking sector as it is not so efficient for
this sector. To implement this system in banking sector will not be in
Gopal K Verma Manual Data Handling
II - 4
8/4/2019 Formatted Contents
13/62
favor of all the concerned i.e. the management, users and customers.
To make it implemented these drawbacks should be erased and that is
not possible as we all knew it very well.
Future of Manual Data Handling
The future is not bright of this system as it is equipped
with a lot of drawbacks than its benefits. The existing system is not
providing what the newer management concepts demand, the
customer wants. This is the age of computerized systems. We will
discuss it in next section.
Gopal K Verma Manual Data Handling
II - 5
8/4/2019 Formatted Contents
14/62
The Computer
The computer is an magnificent invention of science. It is
an electronic machine that makes working easy. It has the functions
of storing and retrieving stored data on users wish. It has a great
speed of operating. It takes raw data inputs and performs functions
that are requested by the users and gives output as information after
it is processed.
( A Computer System )
Computer has made a revolution that has made the world
very small and too fast that its performance measures in nano
seconds. This is the age of electronics and computers and both are
the gifts from science. It has put the whole worlds information on an
electronic chip. It has change the way we maintain our records and
data.
Gopal K Verma Introduction of Computerization
III - 1
8/4/2019 Formatted Contents
15/62
Introduction to Computerization
Computerization refers to a procedure in which we make
our manually handled work on computer systems. This is not a tough
procedure and not so long. It can be used by a person having little bit
knowledge of computers. It is not necessary that the user must have
mastery over computers or should be a computer professional
accountant. The term computerization doesn't mean that by just
having a computer will do everything. It is an aid to the management
and operators that ultimately shows its reflection as result with
increased quality service. The customer always gets impressed by
computerized system work.
Special Features
Computerization is an revolutionary change in every field.
It just not enhances the speed and accuracy but also generates
marvelous reports on users demands. Computerization of any bank
makes the management to have their back on seats comfortably.
They need not to worry about accuracy as its accuracy ratio is about
100%. Record once entered can be modified, removed, seen and
printable. When its about security, computerization helps its best.
No user can see any sensitive information unless permitted or allowed.
Information always stored in encrypted form i.e. if some one wants to
make any copy of that file, can not see it in formal or informal way.
He/she can not understand the file unless the specified system, that
executes that file, is run. It covers all the sensitive issues like security,
Gopal K Verma Introduction of Computerization
III - 2
8/4/2019 Formatted Contents
16/62
speed, accuracy etc. that are the drawbacks of Manual Data Handling.
It is the best replacement of Manual Data Handling System.
Future of Computerization
Computer has covered each and every sector that exists
in today's world. Still, nations like India, who are developing
themselves, are tending to have their works computerized.
Computerization have a bright future because it is providing better
services at nominal expenses. Its importance & performance covers
all the costs that are made to install computerized system. So as per
conclusion of choosing a system from the described above,
computerization have better future than previous one. Today,
government is also supporting computerization everywhere. Not only
government but also businessmen want to see themselves
computerized as it causes a better beneficial deal.
Gopal K Verma Introduction of Computerization
III - 3
8/4/2019 Formatted Contents
17/62
Gopal K Verma Introduction of Computerization
III - 4
8/4/2019 Formatted Contents
18/62
The S ystem
First we should know what a system is and what its basic
features are. To study it better here are some definitions of system:
1. Ludwing Von Bertalanffy, a biologist, a general system theory
that applies to any arrangement of elements such as cell,
people societies or even plants.
2. A political scientist related the system concept to the study of
organization by viewing an ongoing, a system as a processor of
information for amking decisions.
General system theory is concerned with developing a
systematic theoretical framework upon which to make decisions. The
idea of system has become most practical and necessary in
conceptualizing the interrelationship and integration of operations,especially when using computers. Thus a system is a way of thinking
about organization and their problems.
The term system is derived from the Greek work
SYSTEMA, which means a components relationship among
functioning units or components. A common thread that suggests that
a system is an orderly grouping of independent components liked
together according to a plan to achieve a specific objective.
Ultimately, we can say that system refer to a set of component that
works together to accomplish one or more common goals.
Gopal K Verma Computerized banking system
IV - 1
8/4/2019 Formatted Contents
19/62
A Computerized System
A computerized system is a set of computer programs that
works together to achieve one or more common pre-decided goal.
That is, when a system becomes computerized called computerized
system. It means the all the work that was previously done manually
or by other source will be done completely on computers as per there
needs. As we have discussed earlier that now computers have
covered all the field of life and have a wide eternal scope. In this
technique, all the work is done systematically by means of computers
and its components. That not only enhances the accuracy but also
increases speed and efficiency. In long run, computerized systems
are best suitable for every department, company, business or sector.
Computerized system interacts with environment to take
input and to give output; therefore it is called open system.
Computerized system can be touched and feel. It is real and tangible.
So by this properties it is a physical system.
Computerized Banking System
Gopal K Verma Computerized banking system
IV - 2
8/4/2019 Formatted Contents
20/62
A banking system when uses computers to achieve its
goal, call computerized banking system. In this, all the banking tasks
from opening an account to maintaining it, till it is closed are done by
computerized systems. Computerized banking system helps the bank
management to pay more attention to their customers instead of
bugging up with traditional working procedure.
There are a number of benefit can be counted on tips of
computerized banking system some of them are described brieflyhere:
Reliable: The first and more important feature of computerized
banking system is its greater reliability over previous one. It not
only secures information, but also of enhancing property
Cost Effective: In the long run the computerized banking
system is very cost effective than the previous system. It
reduces the cost per head. It decreases daily expenses in a
heavy ratio. Once when it is installed, gradually it is so cheaper
for the management from every aspect that is tough to explain.
Speed: As the computerized system entirely works on computer
system, that have extremely fast speed, enhances the entire
procedures speed. One can see his/her accounts information
in fraction of seconds.
Accuracy: Whenever money matters, accuracy gets in demand.
In a computerized system everything including calculations etc,
is pre-decided having a prediction how or what to execute in a
perfect manner. So therefore, no question occurs about
accuracy of system because it is already tested several times
before implementation.
Gopal K Verma Computerized banking system
IV - 3
8/4/2019 Formatted Contents
21/62
Checks & Validations: Computerized system has inbuilt
argument checking and validation procedures, that performs in
a real-time environment i.e. it validates and put checking terms
at the time of typing also. It removes the chances of mistakes
up to about 100%.
Security: The system is secured by a password mechanism. It
means no one who is not authorized, can view the information.
It is now need not to put your documents inside a locker.
Protective behavior: The system need not to fear about
natural hazards. Backup helps removing burden. If a system
fails its backup will regenerate all the information that is stored
just before the backup taken. Now, systems have become so
intelligent that it will itself prompt you that it is going down.
One can take its backup on its prediction.
Up - to- date: As system need not to make it refresh every
time you work. Once information stored is automatically
updated wherever it should be. The system is always ready to
update itself by prompting or without prompting the user, as
user wishes.
Reporting: A computerized banking system makes reportgeneration of various accounts and all the accounts easy and
with about 100% accuracy. Now the bank management needs
not to waste their time in paper work and taking information in
mind from the beginning of the year to the end of the year. The
system will automatically generate various kinds of reports to
help management in better way.
Gopal K Verma Computerized banking system
IV - 4
8/4/2019 Formatted Contents
22/62
Quality of performance: A computerization of banking
system replies in quality of performance. Bank customer always
feels safe and secure under the shed of computerized banking
system. They need not to be in queue for their payments. Bank
management can provide better service with a state-of-the-are
performance.
Scalability: A computerized banking system can scale itself
according the size of banking transaction. As the number of
transactions increases the system scale itself to fit as per needs
of management.
In this way, a computerized banking system performance
better than what the existing system provide from every aspects. As
it is need of the day, today.
Scope of Computerized Banking System
As we have discussed on computerized banking system
and so it has a better and wide scope and yet to cover a wide
application area. The scope is system starts right from the customer,
covering his/her needs to what the management wants. Covering all
the major issues of the person sitting in front of computer using the
system. The system covers all the aspects of each party that is
involved in banking sector.
The system can be used in any kind of bank or financial
company engaged in serving people by making their money safe,
providing the loans and interests. The system has a wide scope to use
in financial sector also.
Gopal K Verma Computerized banking system
IV - 5
8/4/2019 Formatted Contents
23/62
The Requirement
IEEE defines a requirement as (1) A condition of
capability needed by a user to solve a problem or achieve an
objective; (2) A condition or a capability that must be met or
possessed by a system to satisfy a contract, standard, specification,
or other formally imposed document. [IEEE87]. Note that insoftware requirements we are dealing with the requirements of
proposed system, that is, the capabilities that the system, which is yet
to be developed, should have. It is because we are dealing with
specifying a system that does not exist in any form (manual form of
existence does not generally have the same capability as the eventual
automated system) that the problem of requirements becomes
complicated. Regardless of how the requirements phase proceeds, itultimately ends with the Software Requirements Specification.
Generally, the SRS is a document that completely describes whatthe
proposed system should do without describing how the software will
do it. The basic goal of requirements phase is to produce the SRS,
which describes the complete external behavior of the proposed
software.
System Requirements
A computerized banking system requires that it should
meet the requirements of all the parties involved. Generally, system
is intended to provide the management better facilities so that they
Gopal K Verma System Requirements
V - 1
8/4/2019 Formatted Contents
24/62
can provide better services to their customers, in a way that is easy,
economical and with quality of performance. There are some of points
we are discussing here to consider what a computerized banking
system must do to become suitable on needs of management, users
and customers also.
Lets consider them briefly so that it can be clear what the
proposed system should provide:
Routine work: The basic and fundamental need is the
proposed system should perform all the routine work that are
normally done in a bank like opening a bank account,
performing transactions with those accounts, closing an existing
bank account, counting interest etc.
Less paper work: The proposed system should maintain near
about all the work inbuilt, so that paper work can be decreased.
The less paper work the less maintaining cost. The system
should not make the customer having a number of papers in
hand. It should demand less information but with full record.
Accuracy: As described already, accuracy is the key function of
any financially engaged sector. Whenever its about banking
sector, each and every transaction should be accurate and
tested several times. That is, it should perform invalid functions
or/and counting.
Security: As it is a sensitive application area, security issue
must be here with password protection and data encryption
techniques or technologies. User should not view the
information that is not for his/her use.
Gopal K Verma System Requirements
V - 2
8/4/2019 Formatted Contents
25/62
Speed: Making customer in queue for their work is not one of
the demands of proposed system. The system should have
marvelous speed technique that enhances the overall speed of
banking routine works. That is, the management can satisfy
their customer in whenever speed matters.
Data hiding: The data must not be opened for everyone.
Considering security also. For example, if cashier needs the
information of an account that how much balance it has, he/she
should not be able to see the personal information of the
customer. He/she should not be able to print that information
also that are not of his/her business.
Report Generation: The proposed system should at least
generate all the reports that are important for management to
have a glance on their business and to provide the customer a
quality service. In reports, personal information of a customer is
not necessary, yet it is also not necessary to enter customers
name to view it. It should be done by customers account
number.
Automatic Updating: The system must consider that manual
work should at least. The user should need not to update
everything after information has stored. For example, interest
should be automatically calculated and deposited in accounts as
the pre decided date of interest comes. The user should need
not to update every account for interest charging. It should be
automatically done by the system.
Printing: Having information is not adequate sometimes as for
government procedures bank management should need some of
Gopal K Verma System Requirements
V - 3
8/4/2019 Formatted Contents
26/62
the reports in printed form say hard copy. The customer may
ask for his account status and may demand for a hard copy of it.
The proposed system should met these needs.
There are several other issues that should be covered by
proposed system like it should pure accounting rules, and many
others. But the discussed above are must for the proposed system
that is to be installed.
Gopal K Verma System Requirements
V - 4
8/4/2019 Formatted Contents
27/62
Structured Analysis
Structured analysis has a pre-defined set of functions to
be performed to get the requirement exactly what it is. It contains
some structured procedures that are to follows. We have mentioned
here its basic components:
Context Diagram
Data Flow Diagram
Feasibility Study
Context Diagram
The first step in this method is to study the physical
environment. During this, a DFD of the current non automated (or
partially automated) system is drawn, showing the input and output
data flows of the system, how the data flows through the system, and
what processes are operating on the data. This DFD might contain
specific names for data flows and processes, as used in the physical
environment. For example, names of departments, persons, local
procedures, and organizational files can occur in the DFD for the
physical environment. While drawing the DFD for the physical
environment, an analyst has to interact with the users to determine
the overall process from the point of view of the data. This step is
considered complete when the entire physical data flow diagram has
Gopal K Verma Structured Analysis
VI - 1
8/4/2019 Formatted Contents
28/62
been described and the user has accepted it as a true representation
of the operation of the current system. The step may start with a
context diagram in which the entire system is treated as a single
process and all its inputs, outputs, sinks and sources are identified and
shown.
(Context Diagram for Banking System)
The Context diagram shows all the possibilities that can
occur in the system proposed. It concentrates on both customer and
managements needs. A customer can make request for Reports to
know the status of their account, opening or closing an account,
transactions (like deposit, withdraw) etc. On the other hand,
management wants reports and verified data. The system should
provide the management verified information plus response for all
Gopal K Verma Structured Analysis
VI - 2
8/4/2019 Formatted Contents
29/62
what management needs. The system should also response the
customer for what he made requests.
Data Flow Diagrams
The Data flow diagram shows the flow of data through the
system that is to installed or proposed system. Here we are some
basic Data Flow Diagrams, representing the flow of data in various
requests.
Proposed DFD for opening an account
The diagram explains that when a customer makes a
request for opening an account he/she must fill an account
Gopal K Verma Structured Analysis
VI - 3
8/4/2019 Formatted Contents
30/62
voucher/form. Then there should be some validity checks imposed on
that form for accuracy purpose also. When customer gets their
account opened data base should be automatically updated and user
should provide an account number with confirmation that account has
been opened.
Proposed DFD for Depositing Money
The diagram explains that when a customer makes a
request for deposit to an account he/she must fill a deposit
voucher/form. Then there should be some validity checks imposed on
that form for accuracy purpose also. When customer gets their money
Gopal K Verma Structured Analysis
VI - 4
8/4/2019 Formatted Contents
31/62
deposited, data base should be automatically updated and user should
provide confirmation that transaction has been made successfully.
Proposed DFD for Withdrawing Money
The diagram explains that when a customer makes a
request for withdrawing money from an account he/she must fill a
withdraw voucher/form. Then there should be some validity checks
Gopal K Verma Structured Analysis
VI - 5
8/4/2019 Formatted Contents
32/62
imposed on that form for accuracy purpose also. When customer gets
their money withdrawn, data base should be automatically updated
and user should provide confirmation that transaction has been made
successfully.
Proposed DFD for closing an account
Gopal K Verma Structured Analysis
VI - 6
8/4/2019 Formatted Contents
33/62
The diagram explains that when a customer makes a
request to close an account he/she must fill a close account
voucher/form. Then there should be some validity checks imposed on
that form for accuracy purpose also. When customer gets their
account closed, data base should be automatically updated and user
should provide confirmation that the account has been closed
successfully.
Feasibility Study
A Feasibility study is a test of a system proposal according
to its workability, impact on the organization, ability to meet user
needs and effective use of resources. In this process we determine
the benefits of new system over the current one. To do this job we
analyze the disadvantages of the running system and the tools of new
system to remove them.
We already studied the disadvantages of Manual Data
Handling system. Now well put focus on how the system satisfies
customers and management needs. The objective was to put forward
a solution, resulting in quicker and up to date service in a cost
effective manner.
Gopal K Verma Structured Analysis
VI - 7
8/4/2019 Formatted Contents
34/62
Economical Feasibility: Economical analysis is the most
frequently used method for evaluating the effectiveness of
a candidate system. This method is also known as
cost/benefit analysis, the procedure is to determine the
benefits and savings that are expected from a candidate
system and compare them with costs. We find that the
proposed computerized system is economically more
capable than Manual Data Handling system. That is, in
the long run the installation & maintenance charges and
expenses become so tiny that are easy to say none.
Paper work is partially removed. It reduces cost per head.
Technical Feasibility: Technical feasibility centers on
the existing system and to what extent it can support the
proposed addition. In traditional banking system was a
very technical job. Only a trained operator/clerk can
handle accounting work under shed of a bank. But in the
new computerized system, the software makes these
works so easy to operate that even an untrained user can
operate it. An online help is also provided to help him in
operation. There is no need of technical forms to handle a
transaction.
Behavioral Feasibility: People are inherently resistant
to change, and computers have been known to facilitate
change. An estimate should be made of how strong a
reaction the user staff is likely to have towards the
Gopal K Verma Structured Analysis
VI - 8
8/4/2019 Formatted Contents
35/62
development of a computerized system. To develop a
computerized system, the employees would be happy
because they will get a new environment to work, that it
easily to handle than the existed. Customers will also be
in favor of it because they will get better services, better
communication with the banking system.
Cost Benefit Analysis: The current system is much
costly than the proposed one. If we need about three
persons to open an account, the proposed system can do
it with one person only, with better speed, accuracy and
security. In this way, we are going to make our internal
banking system a cost-effective system. The installation
charges are cause to none in long period.
Cost-Benefit Analysis at a glance
Particulars Current System ProposedSystem
Gopal K Verma Structured Analysis
VI - 9
8/4/2019 Formatted Contents
36/62
No of employees
Salary
Yearly expenditure of employee(including all expenses)
Depreciation on computer
3
2,500
90,000
0
1
2,500
30,000
10,000
Total expenditure for the year
Savings
40,000
50,000
The whole study reflects what should be in proposed
system and which needs should be given preference. Feasibility study
reports that the new computerized system should take its place,
replacing the previous one that is Manual Data Handling system.
Gopal K Verma Structured Analysis
VI - 10
8/4/2019 Formatted Contents
37/62
Introduction
bANKiNDIANS is computerized banking system that is
designed keeping all the needs and issues in mind that can effect the
field of banking sector. As explain in earlier sections and study made
reflects in bANKiNDIANS. As it is made keeping in mind the baking
sectors purposes. bANKiNDIANS is a computerized system that works
under MSDOS operating system. bANKiNDIANS provides almost all the
transaction that must be in such kind of system. A wide study made
for this package that weve read already in previous sections. As per
its requirement the user need not to be a master in computers. As
online help is always attached this package to show him the path how
to use this package.
Special Features
bANKiNDIANS has a number of things to explain. It justnot only makes the normal routine work on fingers but also help
management to have a glance on that. It has reporting and printing
system. A user-friendly environment is provided to make it easier to
use. Here we are going to understand one of its basic features:
bANKiNDIANS has inbuilt help program that helps
user to make their work much easier than ever. The
users need not to look for a book or a guide for his
Gopal K Verma Introduction to bANKiNDIANS
VII - 1
8/4/2019 Formatted Contents
38/62
problem. The help cum tour teaches how to use the
package right from installation to operating it
forever.
bANKiNDIANS is menu driven. Means user need not
to learn commands. By just moving Up and Down
key he can select the job he/she wants and by
pressing Enter key, he/she will be inside that menu.
This feature of bANKiNDIANS makes it easier and
comfortable with user friendly environment.
bANKiNDIANS behaves and acts in real time
processing environment. As soon as the command
is given it processes it in background with a
marvelous speed. User needs not to wait for even a
moment.
Security features are one of the main concentrated
areas of bANKiNDIANS. As it is password protected
package equipped with encryption technology.
Report generation is now so easy with bANKiNDIANS.
One can generate customers bank account report
by just giving account number of that customer.Standard Information System is one of the key
features of this package. That is made with a lot of
attention to have a glance on all the accounts
pursuing with bank.
Daily transactions like depositing money,
withdrawing money are so easy with this package.
Gopal K Verma Introduction to bANKiNDIANS
VII - 2
8/4/2019 Formatted Contents
39/62
By just giving account number and money it
performs the task in fraction of second.
Changes in interest rates can be followed by this
package. It helps changing password and interest
rates by prompting the user. User can see activities
which are happening in an interactive way.
Real time processed clock on the front menu with
date and day, makes it looking a perfect package.
bANKiNDIANS is complete package for working
environment in banking sector. The previous systems faults have
been covered in this package and now ready to use with interactive
user interface. It manages the record and hides data from
unauthorized view. Have a glance on its performance.
Gopal K Verma Introduction to bANKiNDIANS
VII - 3
8/4/2019 Formatted Contents
40/62
Introduction
bANKiNDIANS is computerized banking system that works
for better performance in banking sector environment. There are
several issues that should be covered by this kind of package. Here
we are going to specify how the system provides more than the
previous system internally.
To understand it better we will discuss in this section
about the issues that are covered by the system bANKiNDIANS. We
will see technically how it performs better. What file structure it uses
and how data is managed internally? First, have a glance on issues
covered:
Security: The sensitive issue, as described in
previous section has covered by password
protection. The package will ask for a password to
operate the package. Without this password one will
not be able to enter inside. The password later
stored using an encrypted technique. That is, if
somebody gets known how to see password, will not
able to understand it. Only the package can
understand it.
Data Hiding: The package is providing views and
forms for input and to interact with package. User
cant know what he running behind the view. In this
way, the data being processed is hidden with views
and forms.
Gopal K Verma Specification of System
VIII - 1
8/4/2019 Formatted Contents
41/62
Speed: To improve the speed of package, the
enhanced technique to get the record is used. This
technique called hashing. In this record number are
calculated by account number and the pointer is
sent to that particular point without reading all the
records of database.
Accuracy: A study was previously made before the
package was designed. All the facts were
undertaken to provide useful data with no mistakes.
Better functions and procedures are working behind
the scene to provide better accuracy.
Reports: Two kinds of reports can be generated by
bANKiNDIANS. First one displays the status of an
account by providing account number, called
Account Information Report. Second can be use for
management information, i.e. it displays all the
accounts with their latest status at once. These
reports are printable and one can have its hard copy
several times.
Reliable: This is package is made in worlds most
intelligent and safe language C++, using the
concepts of OOP make it more reliable. This
package is made with the latest technique in the
market. OOP stands for Object Oriented
Programming i.e. everything in this package works
as an object. Every object has different properties
and functions that are hidden to another.
Gopal K Verma Specification of System
VIII - 2
8/4/2019 Formatted Contents
42/62
Auto Generation: This package automatically
generates the account number using the LILO
method. That is the last account number is added
with one and provides the newly opened account
number. User need not to bug up with counting
account numbers every time he/she opens an
account.
File Structure
bANKiNDIANS is using three master files to keep the
records interactively and in consistence mode. One is used for banks
own record and two other are used for customers information. File
named with BankeeXL.bnk is used for keeping banks own record
like its name, address and registration number etc.
File that is used to store customers information are
PInfobnk.bnk and AInfobnk.bnk. The record of a single customer
is further divided in two parts to improve speed and performance. The
DBMS concept doesnt allow having everything in one file. Customers
personal information with bank is stored in PInfobnk.bnk file, and
customers account information with bank is stored in AInfobnk.bnk.
Both these file are later joined by using a common field called primary
key in DBMS. This primary key is here account number of customer.
Gopal K Verma Specification of System
VIII - 3
8/4/2019 Formatted Contents
43/62
Data Dictionary
bANKiNDIANS has used OOPs technology. Therefore, the
data is divided in classes. bANKiNDIANS is using multiple classes as
per OOPs rules. these are described here briefly.
Data Dictionary
Sno Variable name Class TypeSize
(bytes)Used for
1 AcNoAccoutInfo &PersonalInfo
Unsigned int 2Storing account number and works asprimary key
2 NameAccoutInfo &PersonalInfo
Char 30 Storing name of customer
3 Deposits AccoutInfoUnsigned longint
4 Deposit made with bank
4 Withdraws AccoutInfoUnsigned longint
4 Withdraws from bank
5 AcType AccoutInfo Unsigned char 2 Type of account
6 Status AccoutInfoUnsignedshort int
1 Status of account opened or closed
7 Interest AccoutInfoUnsigned longint
4 Interest added to account
8 Date AccoutInfo Char 20 Opening date of account
9 Fname PersonalInfo Char 30Stores father's name of accountholder
10 Address PersonalInfo Char 35 Stores customers address
11 City PersonalInfo Char 30 Stores city
12 State PersonalInfo Char 30 Stores state
Gopal K Verma Specification of System
VIII - 4
8/4/2019 Formatted Contents
44/62
13 Telephone PersonalInfo Char 15 Stores telephone number
14 Profession PersonalInfo Char 30 Stores profession of customer
15 DOB PersonalInfo Char 20 Stores Date of Birth of customer
16 BankName Bank Char 50 Stores bank's name
17 Regd Bank Char 10 Stores bank's registration number
18 Address Bank Char 50 Stores address of bank
19 City Bank Char 30 Stores city of bank
20 State Bank Char 30 Stores state of bank
21 Telephone Bank Char 15 Stores telephone of bank
22 Branch Bank Char 30 Stores branch type of bank
23 Password Bank Char 10 Stores password to open package
24 SavingInterest Bank Float 4Stores Interest rate applicable onsaving accounts
25 CurrentInterest Bank Float 4Stores Interest rate applicable onCurrent accounts
Gopal K Verma Specification of System
VIII - 5
8/4/2019 Formatted Contents
45/62
BEFORE WE START
1. YOUR DEFAULT PASSWORD IS 'MR GOPAL', AND IS NOT CASE SENSITIVE.
2. PLEASE UPDATE YOUR INTEREST RATE.
3. CHANGE YOUR PASSWORD FOR SECURITY CONCERN.
4. TO GET OUR OF ANY FORM PRESS "CTRL+END".
5. FOR BETTER RESULTS PLEASE MAKE UP THIS TOUR.
INTRODUCTION
"bANK-iNDIANS" is financial transaction software specially
designed for the banking companies. At small scale project area
bANK-iNDIANS will help you to have records of customer's daily
transactions with a company working in banking sector. It will
response you online and in real-time processing environment. The
bANK-iNDIANS have a large working area including storing records,
retrieving records and printing records.
GETTING STARTED
As soon as you have installed the software you can
enter into it by giving password. For first time the password is "Mr
Gopal", it's NOT case-sensitive. Later you can change it for as per
your security choice and convenience. We have mentioned how to
Gopal K Verma Getting Started
X - 1
8/4/2019 Formatted Contents
46/62
change password later. You'll see its FRONT VIEW after giving
password. Lets understand it better.
FRONT VIEW
The FRONT VIEW is created keeping all the facts in mind
that what users can expect more from bANK-iNDIANS. It has use
INNOCENTColor Scheme that will give you a wrinkle free view and it is
blissful for your precious eyes also. It has bank's name along with a
real-time working clock (that will show you time according to your
system) and Date column. Both of them together make you to have
todays date, day, year, month and time. It also has the "Main-Menu"
of bANK-iNDIANS that is the GateWay and Map of bANK-iNDIANS. Lets
see the features of Main-Menu.
MAIN MENU
As you know that Main-Menu the main entrance to the
bANK-iNDIANS. It includes several Sub-Menus also. The Menu names
are decided as per their working criteria. Lets have their overview.
Gopal K Verma Getting Started
X - 2
8/4/2019 Formatted Contents
47/62
NOTE: HELP AND QUIT OPTION DON'T HAVE ANY SUB-MENU
USING MENUS
All the Menus support same handling procedures. use UP
and Down keys to change options and press ENTER to select option.
Pressing ESC you will get yourself out of that Menu but to get out of
Main-Menu or to close the bANK-iNDIANS you must have to select
QUIT option and then press ENTER. You will then see the name of the
founder of bANK-iNDIANS.
HANDLING RESPONSE
You will see response almost at every window like OPEN,
CLOSE etc. Response has three more selection options i.e. OK, RESET
and CANCEL option. OK will get your command as true and will commit
it by updating your database or working as per your requirements.
RESET will permit you to reset your form or entries that you've just
Gopal K Verma Getting Started
X - 3
8/4/2019 Formatted Contents
48/62
entered. CANCEL will make all the effect void and will make you
return back on previous MENU.
OPEN
To open an account in bank for a customer you should
select ACCOUNTS >> OPEN, option fill all the entries and its entry
will be made in database and you will get ACCOUNT NUMBER for that
account. That will later use for ACCOUNT OPERATIONS. The OPEN
option uses AUTOMATIC ACCOUNT DISTRIBUTION SYSTEM (AADS), that
enables you to have a brand account number, i.e. one next of the last
account number provided to your customer.
NOTE: AADS WILL START COUNTING OF ACCOUNT NUMBER FROM 110001.
EDIT
EDIT allows you to make editing in a customer's account. To select this option select ACCOUNTS >> EDIT. This option will
allow you to change the personal information of the customer and
not the information pertaining to the Bank's Account Management
System.
CLOSE
To close a customer's account with bank select ACCOUNTS>> CLOSE, and enter account number that is to close. This process
will mark this account deleted in the database. You will not able to
do any further transaction with that account but you can still see its
details.
DEPOSIT
Gopal K Verma Getting Started
X - 4
8/4/2019 Formatted Contents
49/62
To Deposit money in customer's account select and press
enter at TRANSACTIONS >> DEPOSIT, fill all the entries properly,
give Response to bANK-iNDIANS, you will get that account with
money deposited.
WITHDRAW
Getting money back from bank is called Withdrawing
money. Doing so choose the same menu but different option i.e.
TRANSACTIONS >> WITHDRAW. Fill out the form, after your proper
Response the bANK-iNDIANS will check the amount of that account
with bank, it should not be less than Rs 1000. If so happens, the bANK-
iNDIANS will ask for closing account and will wait for your Response,
and will work according to command given to it.
ACCOUNT INFO
Retrieving information a particular account will open a
window having brief introduction of that account and its status etc.
To go for that option select REPORTS >> ACCOUNT INFO. Enter
existing account number and you will the its basic information for
banking purpose only.
STANDARD INFO
After major studies and researches bANK-iNDIANS will give
you the briefing with full of information. Its amazing option that will
enables you to view all the accounts information at a glance covering
all the expected columns that will work on your finger tips. Press UP
and DOWN key you can go ahead and come back to any of that
record. Go for that amazing option selecting REPORTS >> STANDARD
Gopal K Verma Getting Started
X - 5
8/4/2019 Formatted Contents
50/62
INFO, and experience the Great pleasure of working under bANK-
iNDIANS.
REMOVE CAI
CAI stands for Closed Account Information i.e. your
database will hold all the information of each and every account
with bank no matter it is active or has been closed. To remove Closed
Account Information form your database select SETTINGS >> REMOVE
CAI. That will remove all the closed accounts. After executing this
option you will not further go for any of closed accounts information
again.
NOTE: REMOVING CAI WILL DETELE ALL THE INFORMATIONS OF CLOSED ACCOUNTS WITH BANK.
INTEREST RATE
This option will set the actual interest rate for Current andSaving bank accounts. For the first time it is 6% and 8% respectively.
You can change it by choosing SETTINGS >> INTEREST RATE. Here
you are enabled to set interest rate for the both kinds of bank
accounts.
NOTE: THE INTEREST WILL BE ADDED TO ACCOUNTS ON THE FIRST DATE OF EVERY MONTH. e.g. 1st
APRIL, 1st MAY etc.
PASSWORD
From the security's point of view bANK-iNDIANS enables
you to have users password according to your convenience. By
default the password is "Mr Gopal". You can change it from SETTING
menu selecting the PASSWORD option. Give the previous password
and enter the new one.
NOTE: PASSWORD SECTION IS NOT CASE-SENSITIVE.
Gopal K Verma Getting Started
X - 6
8/4/2019 Formatted Contents
51/62
To get a hard copy you have to just select what do you
want like, printed information of one account only or for all the
accounts with bank select these options from PRINT >> ACCOUNT
INFO, PRINT >> STANDARD INFO.
NOTE: bANK-iNDIANS WILL NOT PRINT CAI.
HELP
HELP option will bring you to help tour.
QUIT
This option will make bANK-iNDIANS closed.
Gopal K Verma Getting Started
X - 7
8/4/2019 Formatted Contents
52/62
"bANK-iNDIANS has number of views. Its every view is
checked and tested several times. Here we are going to have glance
on them serial wise as they occur in real time. A view is generally an
interface between end user and the system. View works as security
aspect and data hiding. Lets consider them.
This figure is of password manager every time after
installation this works as gate keeper. Without providing it no one can
enter inside. It takes string, numbers and special characters as
argument. Password is not case-sensitive.
In this section, we have briefly described almost important
menus and forms. For more information on that menus and their
function please refer to previous section if necessary.
Gopal K Verma Views & Testings
XI - 1
8/4/2019 Formatted Contents
53/62
The next figure is of main menu having multiple options
described briefly in previous sections. One can use it by using arrow
keys and enter key
This figure shows Transaction Menu to make transaction;
includes deposit and withdraw options. Used by arrow key and enter
key.
Gopal K Verma Views & Testings
XI - 2
8/4/2019 Formatted Contents
54/62
This figure shows Accounts Menu; includes open, edit and
close options. Used by arrow key and enter key.
This figure shows Reports Menu; includes Accounts Info
and standard Info options for printing purpose. Used by arrow key and
enter key.
Gopal K Verma Views & Testings
XI - 3
8/4/2019 Formatted Contents
55/62
This figure shows Settings Menu; includes Remove CAI,
Interest Rate and Password options for system setting purposes. Used
by arrow key and enter key
This figure shows Change Password form; one can change
systems password from here
Gopal K Verma Views & Testings
XI - 4
8/4/2019 Formatted Contents
56/62
The next figure explains how an account can be opened.
It is a view of open account form.
The next figure shows the form of account information
from where customer takes his account status report. This is a
printable report.
Gopal K Verma Views & Testings
XI - 5
8/4/2019 Formatted Contents
57/62
The next figure shows the form of standard information
from where management takes all accounts status report. This is too
a printable report
Now, the next figures are of Checks and Error report
generator.
Gopal K Verma Views & Testings
XI - 6
8/4/2019 Formatted Contents
58/62
Error Display
Automatic Follow-up Messages
Confirmation Messages
Programmers Message that appears at exit
From these views and testing made we can get known
that bANKiNDIANS is perfect to use in banking sector and has fulfills
every aspect to be new system. This proposed system is now ready
for use.
Gopal K Verma Views & Testings
XI - 7
8/4/2019 Formatted Contents
59/62
Gopal K Verma Views & Testings
XI - 8
8/4/2019 Formatted Contents
60/62
The case study we made and package we discussed are
not everything promoting the computerization. It is just a step
towards computerization. Study concluded that the computerization
should made and manual data handling
The study tells that the existing system is not providing
everything and not perfect on any partys expectations. Here the
party can be a customer, operator/end user or the bank management
itself. the benefits we discussed are much to replace the previous
one. The new system will take care of every party as per their needs
that we have discussed earlier. The new system, as per study made,
is fulfilling everyones need and is a great step towards removing the
drawbacks of existing system.
The economical feasibility report says that it is
economically better than previous one. The previous system is not
only costly but slow also. As on the other hand, the proposed system
has superior speed at low cost. It can be seem costly at a glance but
in the log run it is beneficial than previous one.
Ultimately, the study is fully intended to make banking
sector computerized. So that, this sector can perform better and can
serve its customers with better facilities. By implementing the
proposed system, the management will get enough time and relative
reports to think about their customers satisfaction. Customer will be
in benefit from every aspect. Cost reduces always make end users
smile. Here the conclusion in the pocket of proposed system.
Gopal K VermaConclusion
XII - 1
8/4/2019 Formatted Contents
61/62
About Project:
Project named : bANKiNDIANS
Application Area : Banking sector
Created system : Dos based
Language used : C++
Concept undertaken : Object Oriented Programming Concepts
Time Consumed : 250 Hrs approx (including documentation &
Research)
References:
DBMS : Introduction to DBMS (Korth)
C++ : Let us c++ (Yashwant kanetkar)
Object Oriented Programming through C
(E Balagurusamy)
Software Concepts : An Integrated approach to softwareengineering
Gopal K Verma Appendix
XIII - 1
8/4/2019 Formatted Contents
62/62
(Pankaj Jalota)
Documentation:
Pages : 136
Base Fonts : Document: Optimum Size:12
Source Code: Courier New Size: 11
Margins : Top: 1.8 Bottom: 1.06
Left: 0.92 Right: .06
Gutter: 0.8 Alignment:Justify
XIII - 2