For Project & Synopsis Contact us At : 9015596280, 9313565406, 9212129290




 The concept of Internet banking has been simultaneously evolving with the development of the World Wide Web. Programmers working on banking data bases came up with ideas for online banking transactions, sometime during the 1980s.

In 1983, the Nottingham Building Society, commonly abbreviated and referred to as the NBS, launched the first Internet banking service in United Kingdom. This service formed the basis for most of the Internet banking facilities that followed. The facility introduced by Nottingham Building Society is said to have been derived from a system known as Pestle that is deployed by the postal service department of United Kingdom. Internet banking means any user with a personal computer and a browser can get connected to his bank’s website to perform any of the virtual banking functions:

  • Balance enquiry.
  • Transfer of funds.
  • Online payment of bills.
  • Accrued interest, fees and taxes.
  • Transaction details of each account.
  • Accounts, credit card.
  • Home loan balances.
  • Transfer funds to third party accounts you nominate.
  • Open a deposit right from the terminal you are sitting at.



In NET BANKINGSYSTEM, once bank has approved a user registration, then user is able to access his/her accounts online. Bank will give a registration number or login ID. User will also need a password (IPIN).The Internet password is different from the PIN that user use with his debit card. Before user can access his account online, he’ll need to register with the bank for Internet banking.

Merits/Demerits of Internet Banking Convenience: Unlike your corner bank, online banking sites never close; they’re available 24 hours a Merits: Transaction speed: Online bank Ubiquity: If user is out of state or even out of the country when a money problem arises, user can log on instantly to your online bank and take care of business, 24/7 day, seven days a week, and they’re only a mouse click away. sites generally execute and confirm transactions at or quicker than ATM processing speeds.

  • Efficiency: You can access and manage all of your bank accounts, including IRAs, CDs, even Effectiveness: Many online banking sites now offervsecurities, from one secure site. sophisticated tools, including account aggregation, stock quotes, rate alerts and portfolio managing programs to help you manage all of your assets more effectively. Most are also compatible with money managing programs such as Quicken and Microsoft Money.
  • The trust thing: For many people, the biggest hurdle to online banking is learning to trust it. Did my transaction go through? Did I push the transfer button once or twice? Best bet: always print the  transaction receipt and keep it with your bank records until it shows up on your personal site and/or your bank statement.
  •  Bank site changes: Even the largest banks periodically upgrade their online programs, adding new features in unfamiliar places. In some cases, you may have to re-enter account information.
  • Learning curve: Banking sites can be difficult to navigate at first.Plan to invest some time and/or read the tutorials in order to become comfortable in your virtual lobby.
  • Start-up may take time: In order to register for your banks online program, you will probably have to provide ID and sign a form at a bank branch. If you and your spouse wish to view and manage your assets together online, one of you may have to sign a durable power of attorney before the bank will display all of your holdings together.



  • STEP 1: Make sure your computer is connected to the Internet.
  • STEP 3: Once user is registered with bank’s website there is a button or the icon labelled ‘Log on to Internet banking’ or something similar(the terminology varies from bank to bank).  Click on this icon It will take you to a login page
  • STEP 4: Login to your Internet account. It generally requires you to enter your registration number or login ID You will also have to enter your password – either by typing it in, or by clicking on letters and numbers onscreen.
  • STEP 5:  Some banks have a two stage authentication process ― an additional security measure to protect customers’ accounts and personal data. If a two-stage process, user will then have to enter another code. The code may be generated by a security token the bank gives you when you register for Internet banking, or it could be contained in an SMS message the bank sends to your mobile phone.
  • STEP 6: If user’ve entered the correct information at all these stages, you’ll gain access to your accounts and be able to begin your Internet banking.
  • STEP 7: Once user’ve got online access to your accounts he’ll see the different types of transactions that you can perform. Usually on the left side of the screen there will be a list of functions. Click on a function to open it. For example, if user want to transfer funds, click on the button or icon labelled ‘Transfers’ or something similar. User’ll need to complete the required data. Remember – make sure that you have the right BSB (Bank State Branch ) code and account number for the beneficiary of the transfer, as this is the information that the bank will use to process the transfer.
  • STEP 8: Once user’ve finished his Internet banking, be sure to log out from his account. Most banks also have in place a ‘time-out’ feature, which means that if you’re inactive for a certain period in your Internet banking session, you’ll automatically be logged out.
  • Increasing number of Fake emails fraudulent bank purporting to be sent websites. from banks. Use of Trojan Horse Hackers who hack into programs to capture personal bank user IDs and accounts and steal passwords. money.




This project is useful for the authorities which keep track of all the registered users in a particular state. The following steps that give the detailed information of the need of proposed system are:


Performance: During past several decades, the records are supposed to be manually handled for all activities. The manual handling of the record is time consuming and highly prone to error. To improve the performance of the Bank, the computerized system is to be undertaken. The computerized project is fully computerized and user friendly even that any one can use.


Efficiency: The basic need of this project is efficiency. The project should be efficient so that whenever a new user submits his/her details the project is updated automatically. This record will be useful for other users instantly.


Control: The complete control of the project is under the hands of authorized person who has the password to access this project and illegal access is not supposed to deal with. All the control is under the administrator and the other members have the rights to just see the records not to change any transaction or entry.

Security: Security is the main criteria for the proposed system. Since illegal access may corrupt the database. So security has to be given in this project.



This Project is coupled with material on how to use the various tool, sub sets available in ASP.NET AND SQL SERVER.

The project is developed using Relational Database Management System (RDBMS) as SQL-Server and follow multi-tier architecture. A database system is essentially a sophisticated, computerized record keeping system, a repository for a collection of computerized data files. A database system maintains information and makes that information available on demand, for this purpose a database system provides set of facilities to perform such operations.

 The need of today’s software development is competence in a GUI based front-end tool, which can connect to Relational Database engines. This gives the programmer the opportunity to develop client server based commercial applications.

These applications give users the power and ease of a GUI with the multi user capabilities of Novell, UNIX or WinNT based RDBMS engines such as SQL SERVER.

All the important coding techniques used by programmers, in OOPS based coding is brought out in full and in great detail.



  1. Understand the problem before you begin to create the analysis model.
  2. Develop prototypes that enable a user to understand how human machine interaction will occur.
  3. Record the origin of and the reason for every requirement.
  4. Use multiple views of requirements like building data, function and behavioral models.
  5. Work to eliminate ambiguity.




Entity – Relationship Diagram: This depicts relationship between data objects. The attribute of each data objects noted in the entity- relationship diagram can be described using a data object description. Data flow diagram serves two purposes:

  1. To provide an indication of how data are transformed as they move through the system.
  2. To depict the functions that transformation the data flow.

 Data Objects: A data object is a representation of almost any composite information that must be understood by the software. By composite information, we mean something that has a number of different properties or attributes. A data object encapsulates data only there is no reference within a data object to operations that act on the data.

Attributes: Attributes define the properties of a data object and take on one of three different characteristics. They can be used to:

Name an instance of data object.

Describe the instance.

Make reference to another instance in other table.


Relationships:  Data objects are connected to one another in a variety of different ways. We can define a set of object relationship pairs that define the relevant relationships.


  • Cardinality:

The data model must be capable of representing the number of occurrences of objects in a given relationship. The cardinality of an object relationship pair is


  • One-T0-One (1:1): An occurrence of object ‘A’ can relate to one and only one occurrence of object ‘B’ and vice versa.
  • One-To-Many (1:N): One occurrence of object ‘A’ can relate to one or may occurrences of object ‘B’ but an occurrence of object ‘B’ can relate to only one occurrence of object ‘A’.
  • Many-To-Many (M: N): An occurrences of ‘B’ and an occurrence of ‘B’ can relate to one or many occurrence of ‘A’.
  • Modality:

The modality of a relationship is zero if there is no explicit need for the relationship to occur or the relationship is optional. The Modality is one if the occurrence of the relationship is mandatory.


The object relationship pair can be represented graphically using the Entity Relationship Diagrams. A set of primary components are identified for the Entity Relationship Diagram.

  1. Attributes,
  2. Relationships and
  3. Various Type Indicators.

The primary purpose of the Entity Relationship Diagram is to represent data objects and their relationships.




Data modeling defines primary data objects, composition of each data object, and attributes of the object, relationships between each object and other objects and between objects and the processes.

List of Tables:


Home Loan Table: To details of the home loan applications

Field Name Data Type Constraints Description
Request_ID Primary key Char (30) Request ID
City Not Null Char (30) City in which property is based
Purpose Not Null Char (30) Purpose of loan
Current_Address Not Null Char (30) Where do you live current by
Date_of_birth Not Null Date Date of Birth
Type_of_job Not Null Char (30) Type of Employements
Status Not Null Char (30) Status of Approval
Date_of_req Not Null Char (30) Date of Request






Car_Loan Table: To store details of car loan Applications.

Field Name Data Type Constraints Description
Request_id Primary key Char (30) Request ID
City Not Null Char (30) City in which you live current by
Residence_type Not Null Char (30) Residence type
Time_of_residence Not Null Number When did you move to current residence
Date_of_birth Not Null Date Date of Birth
Make_of_car Not Null Char (100) Make & Model of car
Ex_showroom_price Not Null Number Show price of car
Type_of_emp Not Null Char (50) Type of employment
Status Not Null Char (50) Status of Approval
Date_of_req Not Null Date Date of Loan application









Personal Loan: To store detailing Personal Loan applications

Field Name Data Type Constraints Description
Request_id Primary key Char (30) Request ID
Current_adds Not Null Char (30) Current Address
Resi_type Not Null Char (30) Residence Type
Time_of_res Not Null Char (30) Period from which you living
Date_of_birth Date Char (30) Date of Birth
Type_of_emp Not Null Char (30) Type of Employment
Status Not Null Char (30) Status
Date_of_req Not Null Char (30) Date of Loan


Login: Login details for the online banking.

Field Name Data Type Constraints Description
User_id Primary key Numeric User ID
Password Not Null Numeric Pin No given by bank
Last_visited Not Null Date time Users for banking








Customer_Registration: To details of the users for online banking.

Field Name Data Type Constraints Description
User id Primary key Numeric User ID
Password Not Null Numeric Pin No given by bank
First Name Not Null Numeric First Name
Address Not Null Numeric Address
City Not Null Numeric City in which you live current by
State Not Null Numeric State
Country Not Null Numeric Country
Phone_No Not Null Numeric Contact No
Account_No Not Null Char (100) Account No
Branch_Name Not Null Numeric Branch Name
Branch_address Not Null Numeric Branch Address
Branch_id Not Null Numeric Branch ID
Contact_No Not Null Numeric Contact No


Fund Tranfer:

Field Name Data Type Constraints Description
Transaction_id Char(30) Primary key Transaction id
Type_of_account Char (30) Not Null Tranfer fund to account(oen, other, non-ICICI)
Transfer_amount Numeric Not Null Amount to be transfer
Transaction_remark Char (100) Not Null Remark about transfer
Balance Numeric Not Null Balance left
Date_of_trans Date/Time Not Null Date of Transaction


Account Table: To store details of the account.

Field Name Data Type Constraints Description
A/C_Number Numeric Not Null Account Number
Cust_Name Char (100) Not Null Account holder Name
Currency Char (30) Not Null Currency
Branch Char (100) Not Null Bank & Branch details
Total_bal Numeric Not Null Total available Balance
Status_as_of Char(100) Not Null Status as of on late
Type_of_account Numeric Not Null Type of account

Checkbook_Request Table:

Field Name Data Type Constraints Description
Account number Numeric Not null Account Number
Acc_holder_name Char (100) Not null Account Holder Name
Date_of_reg Date Not null Date of request
No_of_cheques Numeric Not null Number of Cheques required


Check book _Issue Table:

Field Name Data Type Constraints Description
Account_Number Numeric Not Null Account Number
Date_of_issue Char (100) Not Null Date of issue
Checkbook_Number Date Not Null Check book Number


Feedback Table:

Field Name Data Type Constraints Description
Name Char(30) Not Null Name
Contact_No Numeric Not Null Phone No
Email Char (30) Not Null E-mail ID
Comment Char (100) Not Null Comment


Field Name Data Type Constraints Description
Branch_id Primary key Char (30) Branch ID
Branch_name Not Null Char (30) Branch Name
Branch_city Not Null Char(30) City
Address Not Null Char (100) Address
Email-id Not Null Char (100) Email ID
Contact_no Not Null Numeric Contact NO

Context Level DFD










IInd Level DFD for Transaction

IInd Level DFD for Loan Application






Project Plan, Design & Approach

The proposed project will have its main page and will be mainly divided into partially dependent and partially independent modules as:



**These modules are described below**


Login master is the module which checks for a valid customer when the user enters his user id, password, and link to the correct page or denies and link to the registration page. It is divided in to following functions.


As user id rules the system so a person is known by his uniqueness of his user id. As it is to provide the viable candidate system .so the user id is being validated with password in different cases to validate the genuineness of the candidate.



This module keeps the status of the user when logged in and for which

purpose and for how much time. As it is an integral part for a paid site to

track the user login status if user not logon for certain period of time then

their account will be in suspended mode or expires.



The customers having account in the bank can apply for online banking. He should be registered for online banking after getting user id and pin number.  This module deals with the different state of registration as:

a). Customer building form will be displayed in this module.

b). Clint side validations being handled by validation master

c). Unique customer id checker (checks that the user id being entered by the candidate is unique or not.

d). Auto user id generator generates auto user id in user id field by taking the email id of the user if it is unique or suggest by combining it with some number.

e). All data about any new customers of site will be stored in database.




Fund transfer module deals with the transfer of funds.Funds can be transferred to your own Bank Account across India. Customer can transfer funds immediately between his linked Bank accounts.

Other Bank Account across India .
This facility enables the Customer to transfer funds instantaneously to any  Bank Account across India after.


Non  Bank Account using NEFT/RTGS/IMPS-IFSC across

Customer can transfer funds to any non- Bank Account across India after confirmation of his payee.



E-Statement module is related to mini statements. Users can get printouts or reports of their bank account. After login, users have to select his account number and duration for the statement.



The main objective of this module is to search the specific details in the project for the customers and administrator of the bank  can get their information, through mail on their e-mail address from the database. The project sends the information to their users according to their requirements.


  1. Report Generation Module

This module specially used by the customer or management of the bank. The main objective of this module is to give the interface to the management of the Bank, so they can manage whole System. They can view different types of reports like customers details, cheque book requests, cheque book issue details etc. In other word we can say that this module is the main module of the site and with the help of this module management is able to manage the Bank.



In this module users can apply for loans.


CAR LOAN: An existing customer can enjoy the benefit of reduced documentation for Car Loan.


PERSONAL LOAN: An existing customer can enjoy the benefit of reduced documentation for personal Loan.


HOME LOAN: An existing customer can enjoy the benefit of reduced documentation for Home Loan.



Through this module Customers can give their suggestions.The can give:

  • Name
  • Contact No.
  • Email Id
  • Comment



Management studies the Loan request submitted by the customers. In this module their requests are verified and responded to the customer.



In this module customers can request for new Cheque books and request details are then verified by the management. After verification, cheque books are issued to the customers.





Search module is an important module in any web site. With the help of this module visitor can search their requirements. An enhanced search tool is made to search data according to different criteria.



Validation handler module works with the validations given within the complete running program.  This module basically deals with the validation of different entries done during resume building process. This module deals with the discrepancies such as incorrect e-mail, date of birth, address, phone number, amount mode, Cheque number, bank name, credit card number etc in the profile making process and payment process. This module specially integrated with the different pages and forms checks all the given description given in the form by the user to make the system robust, reliable and error free. To finally deal with the any wrong entries being done by the user it validates as well as suggests for correct input.



Customer Support

  • Follow-up calls wherever needed
  • Diverting cases to concern departments/divisions

The administrators use the response master specially. Basically the use of this module is to help the administrator to response any customer according to his request. If the administrator find any suitable solution, they can response to any customer and also can contact those person through this response master.


Report Generation


The reports generated by the administrator are


  • Users Details
  • Customers Details
  • Details of the Cheque Books issued to the customers.
  • Fund Transfer Details
  • Mini Statements.
  • Transaction Details






Processor                     :           Pentium 2.4 GHz or above

Memory                       :           256 MB RAM or above

Cache Memory            :           128 KB or above

Printer             :           Laser Printer

Pen Drive              :        5 GB




Operating System       :       Windows XP (Professional).

Font-End Tool            :       ASP.NET

Back-End                    :       SQL Server 2010




ASP.NET with C# will be used for creating the user interface and designing of forms and reports. That is ASP.NET will be used as front end of the project




Microsoft SQL Server is an application used to create computer databases for the Microsoft Windows family of server operating systems. It provides an environment used to generate databases that can be accessed from workstations, the web, or other media such as a personal digital assistant (PDA). Microsoft SQL Server is probably the most accessible and the most documented enterprise database environment right now. This also means that you can learn it a little quicker than most other database environments on the market.


  • The project is based on multi-tier architecture where the application is divided into three logical constituents-


  1. User Services – Provide services such as user interface. (VB application in this case).
  2. Customer Business services – Implement business rules as per the requirement of the customer query
  3. Data Services – Provide handling and validation of data. (SQL-SERVER in this case). Example case number, customer organization number, core team specialty code, engineer code and alias etc.



Nowadays a large number of fraudulent websites are coming up which aim to trick persons into disclosing their sensitive personal information

Viruses and Worms –Trojan Horse Program

Fake Emails- This method is also known as Phishing. In the field of computer security, phishing is the criminally fraudulent process of attempting to acquire sensitive information such as usernames, passwords and credit card details by masquerading as trust wort Thereby Disclosing the customer’s ATM card numbers and theirv These Emails Guide customers and make them enter the fraud links.v Customers verify the personal information.v Emails are send by Fraudulent bank.vhy entity in an electronic communication passwords

Hackers Pharming is a hackers attack aiming to redirect websites traffic to another, bogus website. In recent years both pharming and phishing have been used for online identity theft information. Pharming has become of major concern to businesses hosting ecommerce and online banking websites. Sophisticated measures known as anti-pharming are required to protect against this serious threat. Antivirus software and spyware removal software cannot protect against pharming.









Internet banking is changing the banking industry and is having the Conclusion. The net banking, thus, “now is more of a norm rather than exception major effects on banking relationships. In many developed countries” due to the fact that it is the economical Banking is now no longer confined to the traditional brick and mortarvway of providing banking services, branches, where one has to be at the branch in person, to withdraw Providing internet banking is increasingly becoming a need to havevcash or deposit a cheque or request a statement of accounts than a nice to have services.


This project is designed to meet the requirements of the Internet Banking System. It will be developed in ASP.Net, keeping in mind the specifications of the system.


For designing the system we have used simple data flow diagrams.


Overall the project teaches us the essential skills like:


  • Using system analysis and design techniques like data flow diagram in designing the system.


  • Understanding the database handling and query.





Software engineering                                               –

Relational Database Management System              —

Microsoft SQL Server                                                   —

Mastering Visual Basic.                                                 —

ASP.NET                                                      —