Online Banking Business Requirement Document

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Online Banking
Business Requirement Document

ABSTRACT:

The main objective of the proposed solution is to be automated the various functions and activities of
the bank through Internet. The solution will facilitate to the bank employees and the account holders with
the different modules. This solution is very much necessary for the private sector banks and the corporate
sector. The banking industry will take a new shape and explore like never before. Using the solution the
bankers and account holders can generate various kinds of reports.

Business Requirements:

Searching Capabilities:

For the account holder’s convenience and on hand information, this solution provides certain
searching and checking features for his account. The account holder can any time and any number of time
can log on and search for various details as the account’s balance, details of transactions, interest amounts,
debits / credits, etc. The account holder will have his unique id and password for logging on to the account’s
information.

User friendly:

The solution provides very simple and modified features, which are very easy to view and operate
various features. The said project is designed and organized in very simplified manner to suit the current
requirements of the account holders of various models such as Saving Bank Account, Current Account and
Recurring Deposit Account.




Transaction Management:

The transaction made through either net or manually in bank need to have a consistency with respect
to the account details and other related information like transaction details across various databases.

Value Added Service

The solution provides good number of value added services in comparison to the normal banking
services. Account holder can view his accounts and give the instructions of making payment to various
government organizations for various services. An account holder can issue the instructions to transfer
certain amount to any particular account number of the same / different bank. Individual can log on to the
site and open new bank account in his name online by following the simplified registration form instructions

Security

The Net Banking system deals with a lot of proprietary information for its users, which are
confidential. It is therefore imperative to provide a means though which information can be kept
confidential. This is also ensures that the data that is put into the system maintains its integrity because
malicious or unauthorized individual will not have access to alter them. The security is at two different
levels, one at account holder and other at administrative level at the bank’s office.



Modules In Project:

1) New Account

Opening an account is possible through Internet. Account can be opened in the following methods
explained below.

Accounts :
 Savings Account
Input
Customer Details.
Output
Alert message.
 Current Account
Input
Customer Details.
Output
Alert message.
 Credit Card

Customer needs to open a savings/current account bank account before opening the credit card
account. Credit card account will be linked with their savings/current account. Customer needs to give their
account detail when applying for the credit card.
Input
Customer account details
Output
Alert message
 Term Deposit
Term Deposit can be of two types: Flexible deposit and Cumulative deposit.
 Flexible Deposit
Flexible deposit has links with the savings bank account.
 Input

 Customer details
 Amount



 Period

o Years
o Months
o Days
 Renewal Option
o Repay the deposit
o Auto Renewal
 Principal only
 Principal along with interest
 Output
Alert message.

 Cumulative Deposit
 Input

 Amount
 Period
o Years
o Months
o Days
 Output
Alert message
 Recurring Deposit
 Input

 Period
 Installment amount
 Output
Alert message



2) Administration

Account Types:

Opening an account is possible through Internet. Account can be opened in the following methods
explained below.

 Savings Account
Input
Customer Details.
Output
Alert message.
 Current Account
Input
Customer Details.
Output
Alert message.
 Credit Card

Customer needs to open a savings/current account bank account before opening the credit card
account. Credit card account will be linked with their savings/current account. Customer needs to give their
account detail when applying for the credit card.
Input
Customer account details
Output
Alert message
 Term Deposit
Term Deposit can be of two types: Flexible deposit and Cumulative deposit.
 Flexible Deposit
Flexible deposit has links with the savings bank account.
 Input

 Amount
 Period



o Years
o Months
o Days
 Renewal Option
o Repay the deposit
o Auto Renewal
 Principal only
 Principal along with interest
 Output
Alert message.

 Cumulative Deposit
 Input

 Amount
 Period
o Years
o Months
o Days
 Output
Alert message
 Recurring Deposit
 Input

 Period
 Installment amount
 Output
Alert message



3) Teller Services

Customer can use the facility of Teller to receive the details of their account. Teller services
component provides the following services:


 Account Summary
 Transaction Details
 Card Transaction
 Interest Statement
 Un Cleared Cheque
 Account Summary

Customer can go to the Teller option and select the Account Summary. It provides account summary
of the customer. Account summary will be grouped as:

 Regular Accounts
 Investment Accounts

 Loan Accounts

 Credit card Account

On selecting the account summary field, the type of accounts field will be displayed. Here the
customer selects their account type and the account number will be entered further. On entering these, the
account summary is displayed. Further, customer can enter from and to dates to see the opening balance and
the closing balance.

 Input



 Account Type
 Account Number
 Statement Duration

 Output

 Date
 Description
 Credit/Debit
 Amount
 Balance


Transaction Detail

User can use the transaction details option to obtain the details of their particular transactions.

 Input

 Account type
 Account number
 Period of transaction

 Output

Transaction history for the specified period

Card Transaction

The card transaction option will be provided for displaying the card transaction details.

 Input



 Card Type
 Card Number
 Period of transaction

 Output

 Card Number
 Account Number
 Expiry Date
 Date of transaction
 Pay To
 Amount

Interest Statement

In this option, a customer receives statement on interest earned/debited in their account for a
particular period

 Input

 Account Type
 Account Number
 Interest type (accrued/credited/debited)
 From and to dates

 Output

 Date
 Description (loan no. or flexi deposit no etc)
 Interest Accrued/Credited/Debited
 Interest credited during last year
 Interest credited during the current year



Un Cleared Cheque

Here, a customer gets report about the Un Cleared Cheque. A separate table is being maintained for
tracking cheque clearance.

 Input

 Account type
 Account number

 Output

Details of Un-Cleared Cheque:

 Date
 Drawn on
 Cheque number
 Amount

4) Transaction Services

This module offers two types of services:

 Funds Transfer
 Tax Payment
 Funds Transfer

Customers can use this service for regular payment from one account to another.

 Input

 Origin account number
 Destination account number
 Destination Bank
 Destination Branch
 Transfer Amount



 Frequency(OneTime/Monthly/Quarterly/Yearly)
 Transfer Date

Output

Alert message. In case if there is no sufficient fund in the origin account, the same must be alerted to
the customer.

 Tax Payment

The Tax Payment component facilitates the customer to calculate tax payment amount and remit the same to
the tax collecting authority.

Options provided to the customer include:

 Tax Payment request
 Tax Payment modification
 Tax Payment Cancellation
 Input

 Account Type
 Account Number
 Tax Payer ID
 Taxing Period
 Income during the above period
 Tax Payment amount
 Tax Collecting Authority

 Output

Alert message.

5) Bill Payment

Bill Payment Services:



Bill Payment Service components facilitate customers to instruct the banks to issue payment to their
bills regularly against utilities such as electricity, gas, water etc. Customer nominates the service provider to
the bank, provided the bank has a tie up with the provider. Service providers publish the bills to the bank
and the customers will be alerted subsequently. Bank will make payment to these service providers as they
get on line instructions from the customer. Bank debits service charge from customer’s account for
providing the service.

Following details will be displayed and the customer has multiple options to choose:

 Bill No.
 Bill date
 Bill period
 Payee
 Amount
 Description
 Select for payment (check box)

Customer has to select bills to be paid from the check box option. The customer also gives the
account number in which the amount has to be debited.

 Output

Alert message will be displayed to the user showing the service charge amount that will be debited
from his account.

Other Payment services

Other Payments component incorporates the following services:

 Recurring Payments
 Remittances
 Recurring Payments



A customer can move the regular payment facility from one account to another. Bank determines the service
charge for providing the service to the user. It will be displayed to the user for information to decide for
utilizing the services provided by the bank.

Here, the Customer instructs the bank to remit their recurring payment.

 Input

User has to enter the following fields:

 Payee Name
 Payment frequency
 Start date
 End date
 Payment Amount
 Account Type
 Account No.
 Branch

 Output

Alert message showing the service charge for providing the service.

 Remittances

Following services are provided to the customer:

 Transferring funds from one account to another within the bank.
 Making remittances.

Service charges will be displayed for the customer to avail the facility and will be determined by the bank.

 Input

The customer provides following details:



 Payee name
 Payee bank name and branch
 Payee account number
 Amount
 Account type
 Account No.
 Branch

 Output

Alert message showing the service charge to be debited from the customer’s account.

6. Requests

Under this module, the customer can request for the following services:

 Cheque Reorder
 New Card Request
 Draft / Cashier’s Cheque
 Stop Payment
 Cheque Reorder

In this case, the customer requests bank to issue a new chequebook and the bank may charge the
customer for it.

 Input

 Account Type
 Account No.

 Output




 New Card Request

In this process, the customer requests for a new card when he has lost his current card.

Input

 Card No.
 Card Type
 Lost on Date

Output


 Draft / Cashier Cheque

The customer requests bank to issue draft/cashier’s cheque. Bank may deliver the DD/cashier’s cheque at
users’ doorstep or payee’s doorstep. Bank will charge customer accordingly.

 Input

Options to user:

 Draft
 Cashier’s cheque

Further, customer enters the following details:

 Payee name
 Drawn on
 Amount
 Delivery options

o Deliver at customer’s doorstep
o Deliver at payee’s doorstep



 Payee’s address

o Door No.
o Street
o Area
o City
o PIN

 Output


 Stop Payment

In this process, the customer informs the bank to hold payment for the cheques he has issued.

 Input

 Account Number
 Branch
 Cheque No

 Output

On entering the cheque number, following will be displayed:

 Payee Name
 Date of issue
 Branch

Alert message also will be displayed to the customer with service charge.

7) Maintenance Services

Maintenance Services module comprises the following components:



 Open another account
 Close account
 Modify account info
 Modify customer info
 Open Another Account

In this process, an existing customer opens another account.

 Input

 Customer ID

 Output

Alert message showing the new account number.

 Close Account

In this process, an existing account holder closes his account.

 Input

 Account type
 Account number
 Branch
 Reason
 For remittance of balance

o Account Transfer

 Account number
 Bank name
 Branch



o Cashier’s cheque details

 Output

Account summary will be presented to the customer. Check list will be provided to the customer
regarding pending standing instructions, pending Cheque etc.

 Modify Account Info

In this process, a customer modifies his account information.

 Input

Customer has to enter the following information:

 Account type
 Account number
 Branch
 Mode of operation
 Account link
 Threshold

 Output

Alert message displaying that the account details have been modified.

 Modify Customer Info

In this process, the customer wants to change information about him such as address, phone
number etc.

 Input

 Account type
 Account number
 Branch



 Applicant number

 Output

Alert message showing that the customer’s details have been modified.

8) User Alerts

The User Alerts module consists of the following processes:

 Credit card payment
 Flexible deposit maturity

The module provides options to user to receive the alert messages. Customer requests will be
maintained in the database and the alert messages will be triggered whenever required and reach the
customer through email. In addition, these alert messages will be consolidated and displayed when
the user logs into the application.

 Credit Card Payment

User will be provided with two options:

 Two days before the due date
 One week before the due date

 Input

 Credit Card number
 Bank name
 Branch
 Alert message option

 Output

Alert message displaying that the customer’s request was processed.



 Flexible Deposit Maturity

User will be provided with two options:

 Two days before the date of maturity
 One week before the date of maturity

 Input

 Account number
 Amount
 Start date
 Maturity date
 Bank
 Branch

 Output

Alert message displaying that the customer’s request was processed.




COMPANY PROFILE:

UniSys, born during the techno-economic paradigm shift in Global Capital Market, is focusing all it's
energies on providing Software solutions to manage this transformation, using cutting edge technology and
deep rooted Domain experience.

UniSys core strength lies in the wealth of talent it possesses in the form of it's team. Culled from
among the best in the industry, their raw dynamism and their devotion to progressive e-knowledge
acquisition, coupled with incessant urge to evolve through innovation gives the company a definite edge
over other players in the industry. The result - a high performance, high caliber team turning out top-of-line
solution impacting global Capital Markets and Banking Industry!

In short, delivering value to those we serve is what we strive for. Always. UniSys is certified for
ISO 9001:2000 by KPMG for Quality Assurance. It has recently completed its 4th successful Surveillance
Audit for continuous registration.

Various aspects of quality control mechanisms are defined in SDG’s quality Management System
(QMS) outlining the Quality framework, Organizational Structure, Quality policy, Quality objectives and
QMS structure.

UniSys quality policy

To provide continually improving and reliable products in an ethical and complaint free environment
exceeding customer expectations.



We are a global professional services firm helping Insurance Carriers and a few niche segments of
the Financial Service Industry in leveraging information technology to rapidly deliver enhanced value to
their Customers, Business partners, Suppliers and Employees.

We approach every one of our client engagements with a strategic plan and embark on rapidly
delivering targeted business results by building effective, visible and practical solutions.

Our domain expertise, arising from real-world experience of servicing several clients and hiring
talent from the industry, enables us to deliver innovative, reliable and scalable business solutions within our
Customers’ time schedules and budgets

We also offer a great deal of flexibility to our clients by scaling up and downsizing team members on
a need basis. Thereby our clients do not have to bear the costs of carrying a large team while retaining the
flexibility to cater to peak workloads.

Existing System:

Identification Of Need:

The Net Banking is a web-based application some of its features are pointed out here :

a) The Existing system can be accessed from any part of the world, as opposed to stand alone or
manual system, and provides information at any time, anywhere round the clock to the customers.
b) If you're a customer of our Bank and if your Branch is enabled then you're on to becoming an e-
customer.

c) The customer needs to register, by which he is given user name and password through which he can
login and do the transactions whatever he wants to do. It provides easy to use and user friendly interface for
the user.

d) The system provides freedom to the user to move freely around various screens and status of the
system returned, as it was when he left the screen by expert personalities maintaining the web site.

e) The user can access the system at any time, because it’s 24-hour online from any where in the world.

f) The customer can do all the work online without persisting him to go to the bank like he can deposit the
money, transfer amount from account to another account, can get this available balance, able to see the
transaction reports that has done etc to mention a few.



Proposed System:

Identification Of Need:

The Net Banking is a web-based application some of its features are pointed out here:

a) The proposed system can be accessed from any part of the world, as opposed to stand alone or
manual system, and provides information at any time, anywhere round the clock to the customers.

b) Even though it is a web-based application it will keep the details of its clients private and no body
is allowed to tinker with the details.

c) The customer needs to register, by which he is given user name and password through which he
can login and do the transactions whatever he wants to do. It provides easy to use and user friendly interface
for the user.

d) The system provides freedom to the user to move freely around various screens and status of the
system returned, as it was when he left the screen by expert personalities maintaining the web site.

e) The user can access the system at any time, because it’s 24-hour online from any where in the
world.

f) The customer can do all the work online without persisting him to go to the bank like he can
deposit the money, transfer amount from account to another account, can get this available balance, able to
see the transaction reports that has done etc to mention a few.

g) The customer can save his money and time that is a valuable one in today’s day- to – day life.

Hardware And Software Requirements

Hard ware Specification:

Processor : Intel P-IV based system

Processor Speed : 1GHZ to 2.2GHZ

RAM : 256 MB to 512 MB



Hard Disk : 20GB to 80GB

Key Board : Microsoft 104 keys

Software Specification:

Language : J2SDK1.4

Front End : J2SE, JDBC, Servlets, JSP

Database Server : Oracle 8i

Application Server : Web Logic 8.0

Operating System : Windows2000/XP/NT Server

Software Process model:

There are times when the requirements of a problem are reasonably well understood when work flows from
communication through deployment in a reasonably linear fashion. This situation is some times encountered
when well-defined adaptations or enhancements to an existing system must be made (eg: an adaptation user
a/c software that has been mandated because changes to Govt., regulations).

It may also occur in a limited umber of new development efforts, but only when requirements, are well-
defined and reasonably stable. Some times it is called “Classic Life Cycle”, suggests a Systematic,
sequential approach to software development that begins with customer specification of requirements and
progresses through planning, modeling, construction, and deployment, culminating in on-going support of
the completed software.

Communication
Project
Planning
Initiation
Estimating
Requirements Modelin
Scheduling
gathering g
Tracking
Analysis Construction
Design Coding
Testing Deployment
Delivery
Support
Feed back



The Analysis Stage consists of Planning and Requirements definition. A feasibility study, developing
a recommended solution strategy, determining the acceptance criteria and planning development process.
The products of planning are a System definition and a project plan.
The Software Design follows analysis. Design is concerned with its software components, specifying
relationships among components specifying some structure, maintaining a record of design decisions and
providing blueprint implementation phase. Design consists of detailed design and Architectural design.
The implementation phase of software development involves translation of design specification into
source code, and debugging, documenting and unit testing the source code. To enhance the quality of the
software the methods are structured control constructs, built in and user defined data types, secure type
checking, flexible scope rules exception handling mechanism, concurrency constructs and separates
compilation modules.
System Testing involves two kinds of testing integration testing and acceptance testing. Developing
a strategy for integrating the components of a software system into a functioning requires careful planning
so that modules are available for integration when needed. Acceptance testing involves planning and
execution of various tests in order to demonstrate that the implemented system satisfies the requirement
document.
The Maintenance phase comes after the acceptance of the product by the customer and release of the
system for production work. Maintenance activities include enhancements of capabilities, adaptation of
software to new processing environments, and correction of software bugs. This project follows the Phased
Life Cycle Model or the Water Fall model to a large extent.

The analysis stage consisted of listening to the needs and requirements of the examination
department obtaining the required format of the system as desired by them, taking the required data to be
stored for future use etc., in the design stage the structure of the system was designed and all the required
screens were formatted. This was then shown to the officer’s approval and the system was built.
Implementation phase was done at PRITHVI INFORMATICS as they provided a computer with all the
required software and with required configuration. The coding and debugging was done. Even after this
stage certain changes were made as requested by the guide. The testing was done to check for any errors or
bugs or unwanted behavior in the system. Individual modules as well as the whole system were tested
separately.

The water fall model is most wide used process model. It is well suited for routine type of projects
where all the requirements are well understood. Following is a minimum set of documents that must be
produced to a successful product:



• Requirements documents

• Project plan

• System design document

• Detailed design document

• Test plan and test reports

• Final code

• Software manuals (user, installation etc.)

• Review reports

SYSTEM ANALYSIS:

Requriements Analysis

The requirement phase basically consists of three activities:

1. Requirement Analysis
2. Requirement Specification
3. Requirement Validation

Requirement Analysis:

Requirement Analysis is a software engineering task that bridges the gap between system level software
allocation and software design. It provides the system engineer to specify software function and
performance, indicate software’s interface with the other system elements and establish constraints that
software must meet.

The basic aim of this stage is to obtain a clear picture of the needs and requirements of the end-user and also
the organization. Analysis involves interaction between the clients and the analysis. Usually analysts
research a problem by asking questions and reading existing documents. The analysts have to uncover the
real needs of the user even if they don’t know them clearly. During analysis it is essential that a complete
and consistent set of specifications emerge for the system. Here it is essential to resolve the contradictions



that could emerge from information got from various parties. This is essential to ensure that the final
specifications are consistent.

It may be divided into 5 areas of effort.

1. Problem recognition
2. Evaluation and synthesis
3. Modeling
4. Specification
5. Review

Each Requirement analysis method has a unique point of view. However all analysis methods are
related by a set of operational principles. They are

• The information domain of the problem must be represented and understood.
• The functions that the software is to perform must be defined.
• The behavior of the software as a consequence of external events must be defined.
• The models that depict information, function and behavior must be partitioned in a
hierarchical or layered fashion.
• The analysis process must move from essential information to implementation detail.

Requirement Analysis in this Project

The main aim in this stage is to assess what kind of a system would be suitable for a problem and how to
build it. The requirements of this system can be defined by going through the existing system and its
problems. They discussing (speak) about the new system to be built and their expectations from it. The
steps involved would be

Problem Recognition:

The main problem here is the more time is taken to take opinions from the concerned people manually. This
has to be eliminated. A comprehensive solution has to be developed which will facilitate to answer, give or
respond for the surveys in a more faster and more efficient way.



Evaluation and Synthesis:

The system has to be designed only after complete evaluation of the existing one, upon which we can see
that a lot depends on the medium of communication. In the proposed system the information about surveys,
processing of the taking the feeback and the time taken to generate the results in a very effective and
convenient manner. So this has to be used such that there is no waste of time.

Specification:

The specifications from the user, here the survey conductors had to be taken. These persons provided the
required format for the Survey Tool. The appearance of forms, and their field names, the different screens
he desired, the stages of this database etc., were all given. The system has been built following all the
specifications.

Requirements Specification

Specification Principles:

Software Requirements Specification plays an important role in creating quality software solutions.
Specification is basically a representation process. Requirements are represented in a manner that ultimately
leads to successful software implementation.

Requirements may be specified in a variety of ways. However there are some guidelines worth following: -

• Representation format and content should be relevant to the problem
• Information contained within the specification should be nested
• Diagrams and other notational forms should be restricted in number and consistent in use.
• Representations should be revisable.

Software Requirements Specifications:

The software requirements specification is produced at the culmination of the analysis task. The function
and performance allocated to the software as a part of system engineering are refined by establishing a
complete information description, a detailed functional and behavioral description, and indication of



performance requirements and design constraints, appropriate validation criteria and other data pertinent to
requirements.

SYSTEM DESIGN

The most creative and challenging phase of the life cycle is system design. The term design
describes a final system and the process by which it is developed. It refers to the technical specifications
that will be applied in implementations the candidate system. The design may be defined as “the process of
applying various techniques and principles for the purpose of defining a device, a process or a system in
sufficient details to permit its physical realization”.

The designer’s goal is how the output is to be produced and in what format samples of the output and
input are also presented. Second input data and database files have to be designed to meet the requirements
of the proposed output. The processing phases are handled through the program Construction and Testing.
Finally, details related to justification of the system and an estimate of the impact of the candidate system on
the user and the organization are documented and evaluated by management as a step toward
implementation.

The importance of software design can be stated in a single word “Quality”. Design provides us
with representations of software that can be assessed for quality. Design is the only way that we can
accurately translate a customer’s requirements into a finished software product or system without design we
risk building an unstable system, that might fail it small changes are made or may be difficult to test, or one
who’s quality can’t be tested. So it is an essential phase in the development of a software product.

DESIGNING:

Data Dictionary

The logical characteristics of current systems data stores, including name, description, aliases, contents, and
organization. Identifies processes where the data are used and where immediate access to information
needed. Serves as the basis for identifying database requirements during system design.

Uses of Data Dictionary:

1. To manage the detail in large systems



2. To communicate a common meaning for all system elements

3. To Document the features of the system

4. To facilitate analysis of the details in order to evaluate characteristics and determine where
system changes should be made.

5. To locate errors and omissions in the systems

Database Design

1) ACCOUNT_TYPES Table contains details of different types of Accounts.
Field Name Data Type/Size Description
ACC_TYPE_CD Char(2) Account Type Code (Primary Key)*
ACC_TYPE_DESC Varchar(20) Account Type Description
MIN_AMT Number(5) Minimum Amount to Deposit
INTEREST_RATE Number(4,2) Rate of Interest
MIN_PERIOD Number(2) Minimum Period in Months
*Possible values are:
SB – Saving Banks Account CA – Current Account
CC – Credit Card Account TD – Term Deposit
RD – Recurring Deposit

2) STATES Table contains details of the Indian States.
STATE_CD Char(2) State Code (Primary Key)
STATE_NAME Varchar(30) State Name

3) ACCOUNTS Table contains details of each Account.
ACCOUNT_NO Char(8) Account Number (Primary Key)
ACC_CAT Char(1) Account Category*
OPERATION_MODE Char(1) Operation Mode#
OPEN_DATE Date Opening Date
BALANCE_AMT Number(10,2) Balance Amount
INT_NAME Varchar(25) Introducer’s Name
INT_ACC_NO Char(8) Introducer’s Account Number
BRANCH Varchar(20) Introducer’s Branch
KNOW_APPLICANTS Number(2)) Introducer knows applicants since
number of months
* Possible values include:
S – Single J – Joint C – Custodial



# Possible values include:
S – Self F – Former/Survivor E – Either/Survivor C–


4) CUSTOMERS Table contains details of each Customer.
Cust_code Char(7) Customer Code (Primary Key)
APPLICANT_NO Number(1) Applicant Number (1 or 2 or 3)
ACCOUNT_NO Char(8) Account Number
ACCOUNT_NO2 Char(8) Second Account Number (Optional)
CUST_FNAME Varchar(25) Customer’s First Name
CUST_MNAME Varchar(25) Customer’s Middle Name
CUST_LNAME Varchar(25) Customer’s Last Name
HOUSE_NO Varchar(10) House Number
STREET1 Varchar(20) Street Name
STREET2 Varchar(20) Street Name
AREA Varchar(20) Area Name
CITY Varchar(20) City Name
PIN Char(6) PIN Code
STATE_CD Char(2) State Code
RES_PHONE Char(13) Residence Phone
CELL_PHONE Char(10) Cell Phone
EMAIL Varchar(30) E-Mail Address
NO_YEARS_ADDRESS Number(2) Number of years residing in the address
PROFESSION Varchar(20) Profession Name
ORGANIZATION Varchar(20) Organization Name
WORKING_SINCE Date Date since working
DESIGNATION Varchar(20) Designation Name
OFF_DOOR_NO Varchar(10) Office Door Number
OFF_STREET Varchar(20) Office Street Name
OFF_AREA Varchar(20) Office Area Name
OFF_CITY Varchar(20) Office City Name
OFF_PIN Char(6) Office PIN Code
OFF_STATE_CD Char(2) Office State Code
OFF_PHONE Char(13) Office Phone Number
PAN_GIRN Char(10) PAN/GIRN Number
GENDER Char(1) Gender (Male/Female)
BIRTH_DATE Date Date of Birth
MAR_STATUS Char(1) Marital Status
REL_FIRST_APP Varchar(10) Relationship with the First Application
EDUCATION Varchar(20) Educational Qualification
MONTHLY_INCOME Number(6) Monthly Income
GUARDIAN_NAME Varchar(25) Guardian Name

5) TERM_DEPOSITS Table contains details of Term Deposit Accounts



DEPOSIT_AMT Number(10,2) Deposit Amount
TENURE_YEARS Number(2) Tenure Years
TENURE_MONTHS Number(2) Tenure Months
TENURE_DAYS Number(2) Tenure Days
PAYMENT_PERIOD Char(1) Payment Period*
RENEWAL_OPTION Char(1) Renewal Option#
M – Monthly Q – Quarterly O – On Maturity
P – Principal only D – Repay Deposit B – Principal + Interest

6) TERM_DEPOSIT_ALERTS Table contains details of Alerts for Term Deposits.
ALERT_OPTION Char(1) Alert Option*
T – Two days O – One week (before the date of maturity)




7) TRANSACTIONS Table contains details of Credit and Debit Transactions.
TRANS_TYPE Char(1) Transaction Type*
TRANS_DESC Varchar2(30) Transaction Description
AMOUNT Number(10,2) Transaction Amount
TRANS_DATE Date Transaction Date
TRANS_MODE Char(1) Transaction Mode#
C – Credit D – Debit
C – Cash Q – Cheque D – Demand Draft I – Internet S – Service Charge

8) NOMINEE Table contains details of Nominees.
NOM_NAME Varchar(25) Nominee Name
NOM_ADDR Varchar(40) Nominee Address
NOM_AGE Number(3) Nominee Age
RELATIONSHIP Varchar(10)) Relationship with Account Holder

9) CREDIT_CARDS Table contains details of Credit Card Accounts.
CREDIT_CARD_NO Char(10) Credit Card Number (Primary Key)
ISSUE_DATE Date Date of Issue
EXPIRY_DATE Date Date of Expiry
MAX_AMT Number(6) Maximum Credit Amount
STATUS Char(1) Status*
V – Valid L – Lost


10) CARD_TRANSACTIONS Table contains details of Card Transaction.
CREDIT_CARD_NO Char(10)
DESCRIPTION Varchar(50)
CREDIT_AMT Number(10,2)
CREDIT_DATE Date
PAYTO Varchar(30)



11) CREDIT_CARD_ALERTS Table contains details of Alerts for Credit Cards.
CREDIT_CARD_NO Char(10) Credit Card Number
ALERT_OPTION Char(1) Alert Option*

T – Two days O – One week (before the date of maturity)


12) RECURRING_DEPOSITS Table contains details of Recurring Deposit Accounts.
INSTAL_AMT Number(10,2) Installment Amount
TENURE_YEARS Number(2) Tenure Years
TENURE_MONTHS Number(2) Tenure Months
TENURE_DAYS Number(2) Tenure Days

13) LOAN_TYPES Table contains details of different Types of Loans.
LOAN_TYPE Char(3) Loan Type Code (Primary Key)



LOAN_DESC Varchar(20) Loan Type Description
INTEREST_RATE Number(4,2) Rate of Interest

14) LOANS Table contains details of Loans availed by different Account Holders.
LOAN_CODE Char(9) Loan Code (Primary Key)
LOAN_TYPE Char(3) Loan Type Code
APPLIED_DATE Date Date of applying for Loan
LOAN_PERIOD Number(3) Loan Period in Months
LOAN_AMT Number(6) Loan Amount
EMI Number(6) Equal Monthly Installments
DOC_DETAILS Long Document Details
STATUS Char(1) Status
NO_OF_INSTAL Number(3) Total Number of Installments
LAST_PAID Date Date of Last Payment


15) CHEQUES Table contains details of Cheques submitted by the Account Holders.
CHEQUE_NO Varchar(10) Cheque Number
PAYER_ACC_NO Char(8) Account Number of Payer
PAYER_BANK Varchar(20) Bank of Payer
PAYER_BRANCH Varchar(15) Branch of Payer Bank
PAYEE_ACC_NO Char(8) Account Number
CHEQUE_DATE Date Cheque Date
SUBMITTED_DATE Date Submitted Date
CHEQUE_AMT Number(10,2) Cheque Amount
STATUS Char(2) Status of Cheque

16) FUNDS_TRANSFERS Table contains details of Funds Transfers.
FUNDS_TRANS_CODE Char(10) Funds Transfer Code
ORIGIN_ACC_NO Char(8) Origin Account Number
TRANS_AMT Number(10,2) Transfer Amount



TRANS_DATE Date Transfer Date
DEST_ACC_NO Char(8) Destination Account Number
DEST_BANK Varchar2(20) Destination Bank Name
DEST_BRANCH Varchar2(20) Destination Bank Branch
FREQUENCY Char(1) Frequency of Transfer
INSTALMENTS Number(2) Number of Installments

17) TAX_PAYMENTS Table contains the details of Tax Payments.
TAX_PAY_CODE Char(10) Tax Payment Code
ORIGIN_ACC_NO Char(8) Origin Account Number
TAX_PAYER_ID Char(10) Tax Payer ID
TAX_PAY_DATE Date Tax Payment Date
TAX_FROM Date Tax From Date
TAX_TO Date Tax To Date
INCOME Number(10,2) Income during above period
TAX_AMOUNT Number(8,2) Tax Amount
TAX_AUTHORITY Varchar(30) Tax Authority

18) BILL_PAYMENTS Table contains the details of Bill Payments.
BILL_PAY_CODE Char(10) Bill Payment Code
BILL_NO Char(10) Bill Number
BILL_DATE Date Bill Date
BILL_FROM Date Bill From Date
BILL_TO Date Bill To Date
PAYEE Varchar(30) Payee Name
BILL_AMOUNT Number(10,2) Bill Amount
BILL_DESC Varchar(30) Bill Description

19) CHEQUE_REORDER Table contains the details of the Cheque Reorders.
CHEQ_RO_CODE Char(9) Cheque Reorder Code
REQUEST_DATE Date Request Date

20) DRAFT_CHEQUE Table contains the details of Drafts and Cheques Issued.
DD_OR_CHEQ Char(1) DD or Cheque
PAYEE Varchar(30) Payee Name
DRAWN_ON Date Drawn On Date
DD_CHEQ_NO Varchar(10) DD or Cheque Number



AMOUNT Number(10,2) Amount
DELIVERY Char(1) Delivery Option*
PAYEE_DOOR_NO Varchar(10) Payee Door Number
PAYEE_STREET Varchar(20) Payee Street
PAYEE_AREA Varchar(20) Payee Area
PAYEE_CITY Varchar(20) Payee City
PAYEE_PIN Char(6) Payee PIN Code
STATUS Char(1) Status

DATA FLOW DIAGRAMS

ZERO LEVEL:

Account Net
Transaction & Banking Reports
Services System

FIRST LEVEL

Account-Types
States

Get

New Account New Account
Report Details New A/C Report Details

Store
Nominee
Accounts

Require-Deposits Term-Deposits Credit-Cards Customers




SECOND LEVEL

Accounts

Get

Funds Transfer Funds Funds
Details Transfer Transferred

Store

Funds-Transfers

THIRD LEVEL

Accounts

Get

Tax Tax Tax Paid
Details Payment

Store

Tax-Payments



FOURTH LEVEL

Accounts

Get

Bill Bill Bill
Details Payment Paid

Store

Bill- Payments

FIFTH LEVEL

Accounts

Get

Check Check
Reorder
Reorder Reordered
Details

Store

Cheque-Reorders



SIXTH LEVEL

Accounts Credit-cards

Get

New Card New Card New Card
Details Request Created

Store

Credit-Cards

SEVENTH LEVEL

Accounts

Get

Draft/Cheque Draft/ Draft/ Cheque
Details Cheque Created

Store

Draft-Cheque


EIGTH LEVEL

Draft-Cheque

Get

Cheque Stop Cheque Payment
Details Payment Stopped

Store

Draft-Cheque

NINTH LEVEL

Customers Nominee
Accounts

Get

New Account Open Another New Account
Details Account Created

Store

Accounts Customers Nominee



TENTH LEVEL

Accounts

Get

Account Close Account
Details Account Closed

Store

Transaction

Accounts Customers Nominee

ELEVENTH LEVEL
Accounts Nominee

Get

Account Modify A/C Account Details
Details Info Notified

Store

Accounts Nominee


TWELTH LEVEL

Customers

Get

Customer Modify Customer Details
Details Customer Modified
Details

Store

Customers

THIRTEENTH LEVEL

Accounts Loan-Types

Get

Loan Details Loan Created
New Loan

Store


Loans


Entity-Relationship Diagrams

The over all logical structure of a database can be expressed graphically by an E-R diagram. The relative simplicity
and pictorial clarity of this diagramming technique may well account in large part for the widespread use of the E-R
model. Such a diagram consists of the following major components:

Rectangles: Represent Entity Sets

Ellipses: Represent attributes

Diamonds: Represent relationship sets

Lines: Link attributes to entity sets and entity sets to
Relationship sets

Double Ellipses: Which represent multi-valued attributes

Dashed Ellipses: Which denote derived attributes

Double Lines: Which indicate total participation of an entity in a
Relationship set



Nam Address
e E-R-Diagram
User Passwor Min_
d Acc_Ty
Name pe
Period

User
Customer is User Account
Has Types

Monthly Min_Amt

Income
Transa
ct

Acc_Ty
Max_A Acc_N pe Acc_Cat
mt o

Card Accounts

Expir Issue
y _Date Balance Operation
Date Amount _Mode

Post
Payer_ID Date

Tax Payments
Income Amount
Authority

Online Banking Business Requirement Document

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