Formatted Contents

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a project for partial fulfillment ofDOEACC A Level


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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


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Getting StartedX

Views & TestingXI

ConclusionXII

Appendix

XIII

Gopal K Verma Table of contents


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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?

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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.



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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.



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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.



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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

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Gathering Data

Maintaining Data

Retrieving and Updating


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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


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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


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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


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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.


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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

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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,


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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.


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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

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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


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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.


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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.


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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.


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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

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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.


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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


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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.


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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

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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


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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


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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


request for deposit to an account he/she must fill a deposit


that form for accuracy purpose also. When customer gets their money


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deposited, data base should be automatically updated and user should

provide confirmation that transaction has been made successfully.

Proposed DFD for Withdrawing Money


request for withdrawing money from an account he/she must fill a

withdraw voucher/form. Then there should be some validity checks


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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


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request to close an account he/she must fill a close account


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.


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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


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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


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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.


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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

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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.


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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.


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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

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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.


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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.


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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


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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


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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

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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.


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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


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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


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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


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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.


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PRINT

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.


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"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

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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.


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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.


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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


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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.


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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.


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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.


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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

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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

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(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

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