International Journal of Emerging Technology and Advanced Engineering

Website: www.ijetae.com (ISSN 2250-2459, ISO 9001:2008 Certified Journal, Volume 3, Issue 7, July 2013)

Centralized Internet Banking System

Rajnish Kumar1, Pradeep Bhaskar Salve2, Amit Chotia3
1,3

Sir Visvesvaraya Institute of Technology, Nasik

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

Abstract In World, a number of banks have either gone

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

1.2 Existing System:

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

Keywords Centralized, Controller Servlet, Java beans

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

1.3 Proposed System:

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

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

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International Journal of Emerging Technology and Advanced Engineering

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

II. MODULES DESCRIPTION

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

Fig.: Model II Architecture

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International Journal of Emerging Technology and Advanced Engineering

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

IV. FUNCTIONAL REQUIREMENTS

A login screen for Customers and Administrators to

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

It includes:

Registration of Employees and Customers.

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

B. Software Interface :

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

Operating System: Windows XP or Higher Version.

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

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

5.2 Security Requirements:

VII. SCREENSHOTS OF THIS PROJECT

All the users of this system such as Administrator,

Customer, Employee having their own user id and
password.

7.1 Login Page

5.3 Portability Requirements:

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

Fig. Login Page

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International Journal of Emerging Technology and Advanced Engineering

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

7.4 Services Master Page

Fig. Services Master Page

Fig. Administrator Welcome Page

7.5 Employee Reg. Page

7.3 Branch Page

Fig. Employee Registration Page

Fig. Branch Page

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International Journal of Emerging Technology and Advanced Engineering

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

7.9 Customer Welcome Page

Fig. Update Profile Page

Fig. Customer Welcome Page

7.7 Report Page

7.10 Customer Reg. Page

Fig. Customer Reg. Page

Fig. Report Page

7.11 Customer Transaction Page

7.8 Admin Change Password Page

Fig. Customer Transaction Page

Fig. Admin Change Password Page

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International Journal of Emerging Technology and Advanced Engineering

Website: www.ijetae.com (ISSN 2250-2459, ISO 9001:2008 Certified Journal, Volume 3, Issue 7, July 2013)

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

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

IX. FUTURE ENHANCEMENTS

These are some future enhancements:

Reduced errors due to human intervention

User friendly screens to enter the data
Portable and flexible for further enhancement
Web enabled.

System can be upgraded with new features.

New Modules can be added.
Security can be enhanced.
New information can be added.
X. CONCLUSION

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

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

GOALS
Reduced entry work.
Easy retrieval of information

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