IEEE-20180

An Enhanced Smart Multi-Banking Integrated

System - Service Oriented Approach
P.lyappan
1
Dr.V.PrasannaVenkatesan
2
R.Amarnath
3
L. Noor Mouhammed
3
A.Selvamani
3
I Research Scholar, Department of Computer Science & Engineering, Manonmaniam Sundaranar University, Tirunelveli, Tamil Nadu.
2
Associate Professor, Department Of Banking Technology, Pondicherry University, Puducherry.
3 UG Student, Department of Computer Science Engineering, Sri Manakula Vinayagar Engineering College, Puducherry.
l
iyappan_be@yahoo.co.in, 2 prasanna_ v@yahoo.com, 3 noor786.master@gmail.com
Abstract: Nowadays smart way of doing the work is very
familiar among every business oriented enterprise
applications. In this paper we propose an enhanced smart
multi-banking integrated using service oriented
composition model by which using single username and
password the user can able to access multiple bank
accounts. Every user can have more than one bank
accounts and each bank provides diferent username and
passwords. To operate his/her account he/she wants to
remember all the user name and password of each bank.
This Multi Banking Interface is aimed to enhance the
current services of the bank to meet the requirements for
future-banking world for the users who is having accounts
in multiple banks. By using this interface any user who is
having accounts in various banks can directly login to
Multiple Banks and make any kind of transactions. By
using this interface client can also able to see all various
bank account summaries in the single page. He/she can get
minimum 10 transaction details of all banks. Even amount
can be transacted between the banks in the single
interface. In addition to this, the main feature of the paper
is, Sometimes the client need a particular amount, but all
the banks in which he/she has account is having balance
lesser then the required amount. For this we are providing
a dynamic service composition interface to overcome this
problem. Consider 'n' number of banks is going to
participate in multi-banking interface. Here one of the
banks acts as a primary and remaining are secondary one.
Consider the scenario that the user requires the amount of
Rs.I0000/- but no banks have full-required amount. Now
the integrated system checks whether 60% of required
amount is available in any of the banks. If so, it takes the
amount from the corresponding bank otherwise it checks
for 50% of required amount and so on for particular limit.
Similarly, the remaining amount is taken from other
banks in such criteria. Now the integrated system transfers
the amount, which is taken from the secondary banks to
primary bank account. Finally From the primary bank
account the user can withdraw the required amount. If the
client needs to add one more bank he/she can add the bank
details and make our system to composite with the existing
bank services dynamically.
Keywords: Integrated banking, Bank composite service, Multi
banking, Service Composition.
1. INTRODUCTION
Service-oriented architecture (SOA) [1] is another milestone
of distributed computing to describe web information system s
based on the request or reply design method for both
synchronous and asynchronous applications [2]. The
components/fnctions involved in the enterprises are
presented as services for client applications. It is generally
defned as various coordination of services and communicated
with one other. The communication involved in the service
based system can refer to either by involving two or more
services coordinating some activity or by simply passing the
information.
The majority of Service Oriented Architecture publishing is
focus on the individual business services implementation.
Building business solutions requires combination of multiple
existing enterprise services. To build higher-level solution
these composite service recursively composed with other
solution. These services are said as one of the most essential
characteristics of Service Oriented Systems creating a path for
building new solutions based on the existing services based
architecture. It is easier to implement new enterprise solution
when the need of individual business process services
increases and their compositions grow in a raising technology.
The stucture of the paper is organized in the following
manner. The chapter 2 contains the detailed description about
Service Oriented Architecture and its major atibutes. Chapter
3 deals with service composition, signifcant role of service
composition in SOA and types of Interactions involved in
composition. The chapter 4 contains existing system and work
done so far in that system. Finally chapter 5 contains our
proposed system named as smart enhanced hybrid multi
Banking integrated system for composing a service
dynamically and its various features.
2. SERVICE ORIENTED ARCHITECTURE
Recent developments show that SOA plays a major role in
distibuted environment. A clear meaning of the term service
should be kown before going for the Service Oriented
Architecture. A service [3] is a self contained, well-defned
fnction, with fnctional and non fnctional requirements, that
do not depends on other services. So we are calling services as
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stateless. Services make the SOA environment effective.
When considering many of organization; the infastucture is
heterogeneous over various felds like system sofware,
applications perspective, operating systems and business
application infastucture. The enterprises should respond
instantly to the business changes to address newer business
requirements. So SOA is preferred. SOA is a loosely coupled
nature which allows enterprises to add new services or
upgrades already existing services in a better way to address
the new business requirements. Figure 1 shows the basic
model of service Oriented Architecture and its basic
Components.
Service
Registry
Find
/
Register
Service Service
Consumer Provider
Invokes
Fig. 1. Service Oriented Architecture
By using service-oriented architecture, the sofware
components can able to communicate with other applications
without kowing their technical details. While many
defnitions are available for service-oriented architecture,
there are four particular components everyone accepts IS as
follows.
Service Consumer: The service consumer [4] will get the
service fom other component by requesting them and send
request to service provider, which found in the registy for
service execution.
Service Contact: Service contact [4] gives permission to the
service consumer to identif service provided by the service
provider. By using this consumer can allow accessing the
fnctionalities of service provider. It sends the details to
consumer about the format of request to acceptable.
Service Provider: The service provider [4] is a network
accessible application. This application provides a service to
the consumer and this service publishes its contact to service
registy and make itself available to the service consumers.
Service Registry: It accepts and stores service contacts fom
the service providers and make them identifable to the service
consumers. There are two types of service public and private
service. Public service allowed used over Interet. Only
limited role based consumer uses Private Service.
2.1 Attributes of SOA
Every system sofware architecture brings out the diferent
principles [5] used by designers. Service-oriented system
architecture consists of these characteristics, but not limited.
The Services are:
Dynamically bound and discoverable.
Reusable.
Location-tansparent.
Network-addressable interface.
Stress interoperability.
Stateless.
Coarse-grained interfaces.
Composition.
Loosely coupled.
Other then this many characteristics are available. For to
make any service oriented interface the important character
needed is service composition. While doing the service
composition we need other character such as service
interoperability [6]. Since services may be in diferent
platform while composing various services we will achieve
the interoperability. In this paper we mainly focused on the
role of service composition in a smart multi-banking
interface application dynamically.
3. SERVICE COMPOSITION
Reusable sofware components, a new tend in the sofware
architecture is preferred to minimize the amount of code
developing for each application. Service oriented architecture
satisfes this tend to the maximum extent with the set of
existing web technologies [9]. The common fnctionalities
required by different applications are given as services, so that
they are making self-built and reusable. Then it is expected the
services to be platform-independent. This feature allows the
enterprises to create business processes by composing existing
web services, which is offered by different providers. A
XML [10] based language called WSDL [11] provides the
descriptions for the services to be platform independent. There
arises a compelling need that service composition of web
services has to handle effectively. A new standard is needed to
provide dynamic service composition because the current
BPEL [12] does not support dynamic service composition. So
the new techniques should be developed for providing
dynamic service composition. If we want to develop a new
enterprise - wide SOA, it should comprise of enormous
service compositions satisf the taditional roles associated
with these terms.
Service composition provides the benefts such as:

Usage simplicity. It reduces the development of code for
creating the composite service.

Improved reusability: The composite service provides a
simple method to reuse the already available services. By
using service composition the value can be added to the
service provider.

Faster time to market: The services are available at many
levels along with a methodology for combining and
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administering them that allows the new services and
solutions can be developed with minimum time and less
effort.

Improved auditability and security: The composite service
represents basic services and it provides easy way of
managing service invocation contacts and permitting the
access to the component services.

Lower duplication: The same service can be
implemented many number of times and get the required
composite service.

Improved modifability: There is a single place change of
the fnctionality all over the enterprise to get our required
fnctionality. If any changes done on the services the
particular implementation are made available to all
customers using this service.
Service Composition is mostly used for more sofware
development process and it increases reusability. It is used in
the area like Management, Hospital, Banks .So, we are going
to develop a smart hybrid enhanced multi-banking interface by
composition the various services dynamically by taking the
following scenario. By using service composition technique,
in this paper we are going to compose many bank services into
single service to the client. He/she can get bank account
summary in single page. Transact the amount between two
banks in same page. Customer can get the required amount in
case insufcient amount all the banks in which he/she has the
account. These are all the services we are going to give to
client in single interface with single userame and password.
4. EXISTING SYSTEM AND ISSUES
The objective of existing system [15] is a single integrated
banking system. They proposed a system where the users can
able get into many banks with many security elements like
smart card, userame, password and biometrics. By using this
things user allows to get information of different services of
the banks in which user has provision of online banking
system. The architecture of Existing system is consists of
Master servers such as servers fom multiple banks, servers
for remote user authentication, numerous database, mobile
service provider and mobile device. Initially Remote server
will verifes the customer and then it provides the services to
the user. Else illegal/uown user will access the
information. So, the server should give alert to user and bank
that some illegal user is accessing. Here various users fom
various ends can able to communicate with authentication
server. Remote Authentication Server [15] plays a major part
in authentication. Only if the userame and received card data
are matched, the database present in the database server can be
accessed. By using the combination of algorithms and some
set of programs information are matched. Once the
verifcation is done it will allow the database to access if not
then database will be blocked. Now this database consists of
biometric data, userame and various details of the user etc.,
and this makes the transaction to happen between
authentication server and banks.
4.1. lnteiaces of the Existing System
Initially using registation server user will register his/er
personal details for storing in a database. Afer providing the
required details they are provided with user identifcation and
secure password for the user. Afer this they provide some
banks to select by the user where he/she has accounts. Then
the user has to provide the biometric. Then have to insert the
given card in a secure card reader and the retieved data is
providing to the server, the encryption fnction will encrypt
the data. This encrypted data will pass to the verifcation
server. As soon as it received it perform the identical
operation for the received data. If the data is same, then
verifcation code will be created and dispatch to the user, else
verifcation failed or other eror message will be sent.
4.2. Modeling the Process
The modeling phase has divided into two processes:
1. Registation phase
2. Login phase
I
Registration
Admin
requestto
provide
biometric
data
Caputer
image will
send to
secure
channel
Fig. 2. Modeling of Registration Phase
Allin
formation
writeto
database and
necessar
information
provide to
userby card
Figure 2 shows the Registration Phase will contain these steps
that are involved:
Step 1. Administator server receives documents and
understands the particular request.
Step 2. Afer verifing all the details Administator creates
password and user identifcation.
Step 3. Administator gets the biometric authentication fom
user.
Step 4. Then image-capturing device will enable for image
request.
Step 5. The fngerprint identifcation is taken.
Step 6. The captured image is send through a secure channel.
Step 7. Gathered details will be saved in the database table.
Step 8. Important details are written on smart card afer
compositions.
Step 9. The customer will receive the card, user id and
password.
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In the login phase the following steps would be taking place:
Byusing
user id and
password
select
multiple
banks
Biometeric
Serverwill
mforation
checks data
are scanned
with database
and
match sends
TAN,else
encrypted
send error
Fig.3. Modeling of Login Phase
LlsingLiser id
and TAN Llser
enterto
banks it
match with
banks access
allowed, else
denied
Step 1. Initially users enter the user name, password and
select the banks then submit to the remote authentication
server.
Step 2. By using the scanners user provides the biometric
information.
Step 3. User puts his card in a protected card reader.
Step 4. Using the encrypting device the captured data IS
encrypted and provided to server.
Step 5. The necessary action done by the server.
Step 6. Server verifes that the data are correct it generate the
6 digit authenticated tan number and send to user and
other banks.
Step 7. By using this tan number and userame user can
access the data in all the banks.
Step 8. User can't able to access directly bank because it will
check for authentication for user and then user can able to
access hisler accounts.
In Existing system it describes only about the security given to
secure the user details. Security gives to data given by the
user during registation phase. For security they have used the
biometric device such as thumb impression, and image
capture. For login purpose they used card reader. In our
proposed system we are going to add few more services like
dynamic composition of detecting and tansacting money fom
various banks to other banks and also to the client requested
account.
5. PROPOSED SYSTEM
Nowadays Lot of research work is going in online banking
system [15][16]. Each and Every bank providing the online
banking service and every bank user are using this service. If a
single person or a family having accounts in diferent banks,
to know there account summary they have go to each and
every banks website and they have to remember all the banks
user name and password. Enter to every bank website is time
taking process. In this paper we propose an enhanced hybrid
multi-banking model by which using single userame and
password the user can able to access multiple bank accounts.
Every user may have any number of bank accounts and each
bank will provide unique userame and passwords for
accessing his/er account. The user wants to remember all the
user name and password of each bank. This Multi Banking
Interface is aimed to enhance the current services of the bank
to meet the requirements for fture-banking world for the
users who is having accounts in multiple banks. By using this
interface any user who is having accounts in various banks can
directly login to Multiple Banks and make any kind of
tansactions. By using this interface client can also able to see
all various bank account summaries in the single page. He/she
can get minimum 10 tansaction details of all banks. Even
amount can be transacted between the banks in the single
interface. In addition to this, the main feature of the paper is,
Sometimes the client need a particular amount, but all the
banks in which he/she has account is having balance lesser
then the required amount. For this we are providing a dynamic
service composition interface to overcome this problem.
Consider n number of banks is going to participate in multi
banking interface. Here one of the banks acts as a primary and
remaining are secondary one. Consider the scenario that the
user requires the amount of Rs.10000/- but no banks have fll
required amount. Now the integrated system checks whether
60% of required amount is available in any of the banks. If so,
it takes the amount fom the corresponding bank otherwise it
checks for 50% of required amount and so on for particular
limit. Similarly, the remaining amount is taken fom other
banks in such criteria. Now the integrated system transfers the
amount, which is taken fom the secondary banks to primary
bank account. Finally From the primary bank account the user
can withdraw the required amount.
5. J Pr ocess involved in proposed system
Step 1. The user creates the account by registering their
details and then they are allowed to choose the required
banks to perform their tansactions.
Step 2. The administator generates the user id and password
for the user.
Step 3. For each login process, the administator generates
the random verifcation code, which will be sent to the
user's mail id.
Step 4. By using the user id, password and verifcation code,
the user enters into the integrated environment.
Step 5. Now the user is allowed to perform the following
operations.
a. Account sumary
b. Transaction process
c. Transaction history
Step 6. In account sumary the user can able to see the
entire bank balance.
Step 7. In tansaction process he/she can allow to transfer the
money between banks.
Step 8. In tansaction history the user can able to see
minimum 10 tansactions all the banks.
Figure 4 shows the architecture of integrated banking system.
From IBS to the administator server there will be a
verifcation process and this server is connected to the
database. In-between the administator and the bank server we
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have our dynamic composition service where the integration
process is carried out. This receives the required data fom the
banks.
I-
Authentic:tion mid
velifcOltion process
intergrated
banking system
Database! Database2 D'lhlbase3
Fig. 4. Architecture of integrated banking system.

Authentication & verifcation Process: Here username
and password are verifed before entering to the interface.
If username and password is wrong then it will give the
error message.

Composite Service: Here it will act as smart interface
between the administator and banks. Here the common
service that we wrote for the process is present. The
composite service presents in the administator server.

Verifcation: Bank will verif the query that enters to
bank server for security purpose.

Database: Both administator and bank will contain the
database for storing the data.
6. IMPLEMENT A TION AND RESULTS
The proposed system modeling architecture is carried out in
two phases. The objective of the multi-banking interface
using dynamic service composition is done on two
implementation phases.
1. Registation Phase
2. Integration phase
6.1 Registrati on phase
In registation phase it consists of two-process. First one is
client registation process and the fnal one is administator
process. Let us take the working process involved in the client
registation process. The initial process in registation process
is client registation and selecting the required banks. The
main objective of the registation phases is to add the client to
the integrated banking solution. For that the new users, who is
having account in various banks has to do the registation
process. In the registation page users have to give their
personal details like frst name, last name, date of birth, e-mail
address, and phone number etc. Afer completing the details,
the users have to select the banks in which they have an
account. Here we are giving 5 banks service to our integrated
banking customer. From this 5 banks the user allow to select
the banks in which he/she has the account and to identif the
account they have to give their account number. And this
detail is saved in integrated banking database temporally. As a
result of this client will send request to the administator and
the request will be as shown in the Fig.5.
First name Selva
Last name Mani
Date of Birth 14.03.1988
Address 32, Gandhi steet, Chennai
Phone no 044-22225678
Mobile Number 9866569543
e-mail selva12@gmail.com
Bank1- Axxis ACC NO: 58234975
Bank-3-SBBI ACC NO: 92834758
Bank-5-HDFC ACC NO: 98352394
Master(Primary) Bank1- Axis
Request Status:
User waiting for ACCEPT/IGNORE
Fig.5. View of Client sending request for acceptance of
administator
Then the Process of administator takes place. Here the role
of administator is to check the details of user/client and
conforming the user to participate in the integrated banking
system by generating unique user id and password to their
corresponding e-mail id. Finally the database of the integrated
system when the corresponding user is accepted by the
administator will look like as shown in the Fig. 6(a).
First name Selva
Last name Mani
Date of Birth 14.03.1988
Address 32, Gandhi steet, Chennai
Phone no 044-22225678
Mobile Number 9866569543
e-mail selva12@gmail.com
Bank1- Axxis ACC NO: 58234975
Bank2- Inndian NULL
Bank-3-SBBI ACC NO: 92834758
Bank-4-ICCICI NULL
Bank-5-HDFC ACC NO: 98352394
Master(Primary) Bank1- Axxis
Request Status: ACCEPT
Unique User id 77456
Password
*******
Fig. 6(a). Integrated banking database
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Similarly the database of the integrated system when the
corresponding user is not accepted or still in waiting state will
look like as shown in the Fig. 6(b).
First name Ram
Last name Singh
Date of Birth lO.07.1990
Address 90, Petit canal steet, Chennai
Phone no 044-22445432
Mobile Number 9894678908
e-mail ramsingh@yahoo.com
Bank 1- Axxis ACC NO: 23498500
Bank2- Inndian ACC NO: 83475355
Bank-3-SBBI ACC NO: 92837557
Bank-4-ICICI NULL
Bank-5-HDFC ACC NO: 38753587
Master(Primary) Bank 1- Inndian
Request Status: INACTIVE
Unique User id Not Yet Generated
Password Not Yet Generated
Fig. 6(b). Integrated banking database
The fnal process in registation phase is Admin Process.
Here Administator will be act as contoller. The admin
receives the user details along with the bank details. The work
of administator is to accept or ignore the user request. Users
allow to access the integrated banking service only when
admin accept the request. If the admin accepts the request the
user status will be active other it will be inactive until admin
accepts the request. While accepting the request it checks the
details with banks whether the user having the account in
corresponding bank or not. If the user not having the account
then the user request will be blocked. When all the details is
perfect then the userame and password is generated and send
to user mail id. Afer user gets the userame and password
he/she can use the integrated page for account summary and
tansaction process etc. For each time user enter the userame
and password will get the verifcation code to user e-mail for
security purpose.
6.2. Integrated phase
In this phase the banks selected by the user are integrated.
Here we are writing the common services for account
summary, transaction process, and balance enquiry to all the
banks. When the user-selected banks then those banks are
comes into the integration process. These services are
applicable for the banks which user added dynamically. By
using this integration process the user can able to see balance
of all the banks in single page. He/she can tansact the amount
between banks. Using single user name and password carries
out all this fnctions.
Service provided by the integrated banking interface:

Account Suary

Transaction history

Transferring amount between user's banks

Transaction amount into master account

Delete account
6.2.1 Account Summary
Initially we are going to discuss about Account Suary
fnction. Here we are giving a single service which fetch the
balance details fom corresponding bank with its account
number. Here using the userame and account number of the
bank fetches correct details. Both userame and account
number act as primary key. And we are designed the web page
in which all the banks i.e., user selected banks account balance
details is displayed in single page a shown in the Fig.7.
Bank Name AXXIS II HDFC
Acc No 23498500 83475355 38753587
Acc Name Ram Ram Ram
Branch Saram Pondy Villianur
Acc type Saving Saving Current
Acc balance 5000 8000 6500
FIg. 7. VIew of Account Suary of a user
6.2.2 Transaction History
The second characteristic fnction in our proposed system is
tansaction history. In this we are maintaining the separate
database table for each bank to maintain the tansactions. For
this we are writing the single service to get the tansaction
history of particular user fom the tansaction table at each and
every bank and show in single webpage for user convenience.
For example credit and debit details through ATM and self
deposit of Axxis bank, Inndian Bank and HDFC Bank is
listed below as shown in the Fig. 8(a), 8(b), and 8(c)
respecti vel y.
Date 18-4-2012 17-4-2012 16-4-2012
Details
ATM2197
SELF DEPOSIT
COM
Saram Service
Credit 2500.00
Debit 500.00 lOO.OO
Total bal 5000.00 5500.00 2000.00
FIg. 8(a).AxXls Bank TransactIOn History
Date 03-4-2012 20-3-2012 16-3-2012
Details SELF CREDIT ATM 6578
DEPOSIT FROM 654789 Pondy -IG
Credit
5000.00 lOOO.OO
Debit 600.00
Total bal 8000.00 3000.00 4000.00
Fig. 8(b).Inndian Bank Transaction History
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Date 24-4-2012 17-4-2012 16-4-2012
Details Bank-Axxis
Saram Transfer to
Branch Inndian bank
Self Deposit
Deposit
Credit 2500.00 3500.00
Debit 1500.00
Total bal 6000.00 5000.00 5000.00
Fig. 8(c).HDFC Bank Transaction History
6.2.3 Transferring amount between user's banks
The third fnction is amount tansfer between banks of the
single user. Here for amount tansfer initially we allow the
user to select the banks for deposit and withdraw. Afer
selecting the banks we allow the user to enter the amount to be
tansfer. Before transaction we wrote service to check the
account details and the bank balance if the balance is available
and the details are correct then the tansaction is done
successflly and the message is given to user. If the balance
and details is not correct then the tansaction is not carried out.
Here another one fnction is carried out while during the
tansaction that is when the tansaction is completed this
tansaction details is added to the tansaction table of the
corresponding bank databases. The view of simple money
tansaction between two bank accounts is shown below as
shown in the Fig. 9.
First name Selva
Last name Mani
Lending Bank Name(Selection) Axxis Bank
Lending Acc _ No
23498500
Lending Bank Bal
12, 500.00
Enter Money to transfer
10,000.00
Receiving Bank Name(Selection)
ICCICI Bank
Receiving Acc_No 22225678
Receiving Bank Balance 500.00
Updated Balance Axis Bank 2, 500.00
Updated Balance ICCICI Bank 10, 500.00
Mobile Num ber 9866569543
e-mail selval2@gmail.com
Status Transfer
Completed
Fig. 9. Transferring amount between user's banks
6.2.4. Transfer amount into master account
The most important problem we had taken here is when the
required amount is not present in the any of the banks. For this
issue we get input as required amount fom user and check
whether the required amount is available on the master bank
preferred by the particular user, if present means user can
directly withdraw the amount fom the master. Otherwise it
will check for other banks, which is holding this amount
completely if any of that bank has means we, insists the user
to transfer to the master bank account. If none of the bank is
having that amount means frst step is to total the amount
present in all the banks. Some time the totaled amount will be
less than the required amount, at that time message sent to
user that insufcient of amount in the banks.
If the totaled amount is higher than the required amount next
step is carried out. The next step is to arrange the bank in
descending order with respect to amount present in the banks.
Now this will be displayed to user. Banks are expecting the
user to maintain some balance in bank account. By
considering this case we are showing the amount to user by
subtracting the minimum balance amount fom bank. Now
the required amount is divided into some percentage according
to the number of banks. The highest bank amount is checked
with the percentage. If the amount is present then that amount
is taken and stored in separate variable. If not present than the
percentage is reduced and checked. Now remaining amount is
checked with next highest bank if the amount is present then
the amount is taken and stored in separate variable if not then
the percentage reduced. Finally if the entire amount is taken
then the variable is added and stored in another variable.
For example consider this case. The amount available at
bank 1, bank2 and bank3 are Rs.3000/-, Rs.6000/- and
Rs.4000/- respectively. Let us consider the scenario that the
user requires the amount of Rs.10000/- but no banks have fll
required amount. Now the integrated system checks whether
80% of required amount is available in any of the banks. If so,
it takes the amount fom the corresponding bank otherwise it
checks for 70% of required amount. Now the interface detects
that 50% of required amount (Rs.5000/-) is present in bank2.
Now the integrated system checks whether remaining 50% of
required amount is available in any of the banks. Interface
detects 30% of remaining required amount is present in bank
3. Remaining 20% of amount is taken fom bank l. Now the
amount of Rs.2000/-, Rs.5000/- and Rs.3000/- is taken fom
the bank 1, bank 2 and bank 3 respectively are transferred to
the primary bank account (bank 1). Now the user can able to
withdraw the required amount of Rs.10000/ - fom bank 1 i.e.
primary bank. This how the amount is calculated and taken
fom each bank. Afer this percentage is calculated the
tansfer process is carried out. The amount taken fom each
bank is tansfer to the primary bank. While tansferring
process, the bank database will update with the amount. Then
another process done simultaneously is updating the
tansaction history in each bank tansaction table. Since during
this tansfer, amount is tansfer between the banks. So, those
details should be updated to the tansaction history database.
Fig. 1 0 shows the view of Master Account tansfer afer
tansacting amount fom secondary banks to primary bank
account.
ICCCNT'12
26th _28th July 2012, Coimbatore, India
IEEE-20180
Bank Name Axxis Inndian HDDFC
Existing Balance 7353 4500 4147
Amount taken 4000 3000 3000
Percentage 40% 30% 30%
Updated Balance 133353 1500 1147
Fig. 10. View of Master account tansfer
6.2.5. Delete Account
Delete Account option will delete the person details fom the
integrated banking interface. To do user has to send the
request to the administator. The Administator has the contol
to delete the person account fom integrated banking interface.
When the admin see the delete request fom client, the admin
will delete account fom the admin database. Customer
personal details and bank account details will be deleted fom
the admin database. There will not be any change in bank
databases. Fig. l l. shows the delete request sent by client to
the administator.
First name Selva
Last name Mani
Date of Birth 14.03.1988
Address 32, Gandhi steet, Chennai
Phone no 044-22225678
Mobile Num ber 9866569543
e-mail selval2@gmail.com
Bank 1- Axxis ACC NO: 58234975
Bank2- Inndian NULL
Bank-3-SBBI ACC NO: 92834758
Bank-4-ICCICI NULL
Bank-5-HDFC ACC NO: 98352394
Master(Primary) Bank 1- Axxis
Request Delete
Fig 11. Delete request send by client to admin
6.2.6. Comparison between with service composition and
without service composition in internet banking scenario.
Scenarios With service Without service
composition composition
Reusability Available Not Available
Accessibility Easy Diffcult
Time complexity Less More
Login complexity Less More
Maintenance Difcult Easy
CONCLUSION& FUTURE WOR
Our integrated system provides a solution to the user to
withdraw the amount fom multiple banks when the required
amount is insufcient in single bank. If the client needs to add
one more bank he/she can add the bank details and make our
system to composite with the existing bank services
dynamically. Nowadays various sectors like Interet banking,
electronic-billing in various sectors etc., are facing the security
problem regarding in several perspectives like in tansaction
and database related query and responsiveness. We intoduced
an enhanced composite Multi-Banking System for the user to
access more than one bank accounts at a same time with a
single user name and password. In Future By doing this
dynamic service composition, security and interoperability are
two main features to focus on when combining more number
of business applications.
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ICCCNT'12
26th _28th July 2012, Coimbatore, India