PROBLEM STATEMENT

The main aim of the project is to develop a system which provides the solution to the bank as well as its customer. Here we are focusing on two main things1) Issuing the credit card to a customer 2) Providing customer accessibility to know his/her credit score, the account details, application status, gift offerings and acceptance, etc. (Credit Scoring) For this, system takes some data for validation & checks the validity of the data by comparing the data values present in the database. The importance of this system is to check whether the customer is in a position to have a credit card. It checks whether the client, who is applying for the credit card is under the constraints mentioned for the credit card he is applying for. There are two phases in this website-

In first phase, the capabilities of the customer are

detected and if he is eligible and fulfilling the criterion then issuing him/her the credit card of the appropriate type.

In second phase, the credit scoring is done. The score

card is made giving points to each credit card holder whenever he does any transaction to it. For each type of transactions different scores are recorded in the Database. The engine works automatically whenever a transaction is done by the cardholder and increases his points.
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Depending on the credit points awarded to the cardholder, the system offers some gifts to the cardholder. Using this, the credit card provider can easily fetch those customers who are responsible for their credits. By this action, the credit values of each customer increases after obtaining certain points. Credit card providers can use this application for easy maintenance of the customers so that neither the customer nor the provider will have any injustice to their work that they are doing. This application is developed as a generic application that can be developed for any other organization.

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AIM OF THE PROJECT

Apply online for Credit Card.

Checking the eligibility criteria for acquiring a credit card Online transactions through Credit Card. Credit score Calculation
Redeem points by picking up gifts

Generates Credit Score cards and Credit Card statements Maintenance of Credit Card holders profile Easy fetching of credit score by the card provider. Online deactivation of Credit Card. Authentication of transactions

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OBJECTIVE OF THE PROJECT

Credit Scoring Engine allows customers to apply for a credit card online and do online transactions through that credit card. The system tracks the credit point of individual card holder as per their transaction and the credit card policies set by the company. It also provides online transaction option to the customer. Credit Scoring Engine site includes the following online features Online credit card Application/Activation.
Online Credit card Transactions

Check Credit Score Redeem Points Generate Monthly Credit card Statement Update credit card holders profile
View eligibility criteria and guidelines

Cancellation of credit card Generation of Crystal reports as Credit history. Credit Scoring engine will handle the request for new credit cards and issue the credit card as per the eligibility criteria. System will ensure easy maintenance of customer records, transaction
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management

which

includes

authorization

of

details

and

database updations . System will enable the card provider to fetch the scores for individual customers and enable them to redeem their points easily.

SCOPE OF THE PROJECT

Our economy is based on credit. Most people finance their homes with mortgages and pay for their cars with loans. Young people often obtain loans to pay for college. And, of course, countless people routinely make purchases with credit cards. We can't expect to receive credit as a matter of course, however. We must apply for it. And just as you would be hesitant to lend money to a stranger, no bank, retailer, or finance company will grant you credit without knowing something about you. It is used to be that retailers or banks would have to call each creditor you listed on an application form before they would decide to extend you credit. Today, they rely on credit reports, so it's important for you to know what's in yours. This s/w is designed keeping in mind the developments in the lending industry and analyze rising trends to forecast future requirements for credit scoring systems, the specifics of the
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markets in which these credit scoring systems will be deployed, and the economic motivations that drive customer demand. Today's shifting market dynamics have led us to the need for scoring software that won't be geared exclusively toward major credit institutions. That is why our credit scoring solution will be a highly attractive proposition and a golden opportunity for a large number of smaller banks and companies. So our Credit Scoring Engine is providing an easy way to explore the world of credit cards, it enables the user to get the credit card online in easy steps and get the credit score report automatically generated whenever he/she does any transaction. It is basically designed for banks/organizations providing credit card facility so it enables them to get a better command over their customers by getting all the details about the customers credit score in few steps and help them in managing their recovery pattern and gift distribution in an automated manner. The best way to find yourself is to loose yourself in the service of others. This website is based on the technologies such as ASP.NET, C#, SQL Server 2005, Java Script, Html, Dhtml , Xml, AJAX, Flash, Dream weaver, GIF animator, etc..

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PROJECT DICTIONARY
MODULES
The project mainly consists of 4 modules-

Administrator Manager Official User Applicant (Customer)

MODULE DESCRIPTION
Administrator:

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 Engine.

Administrator administrates the whole Credit Scoring For security purpose, administrator provides user id and Final acceptance for the application is done by

passwords to the manager and the official user. administrator under the assistance of manager. Credit card number and Card type is also allotted by Credit Scoring Control is also done by the administrator. him/her.

Manager: Manager does verification of Customer Identification Form Creates and manages the card details. He is the one who decides whether the applicant can be

(CIF) that is received by the official user.

given the appropriate card or not. Specifies the Constraints on the basis of information of CIF If the conditions are validated then forward the request for then validate it. approval to the administrator recommending him with specific card type to be issued (like Platinum or Gold, etc).
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Otherwise reject the applicant form and inform the official

user about that. Official User: Enters the Customer (Applicant) details in CIF. Sending the CIF details to Manager for further amendments in it and for approval. Grants the credit card to the customer on the basis of the approval done by manager and administrator.

Creating and maintaining the credit score report, regular

transaction(credit/debit) statements, etc.

Requests to be sent to the customer for gifts offered,

closing/renewal of a credit card.

Applicant: The person who applies for a credit card and uses it. He applies for Credit card by filling the CIF. If Card is granted then does the transaction in terms of cash or purchase. Respond to the statements generated by the official user by depositing the credited amount. Accepts or rejects the gift offered for the credit points gained by him/her. Requests for renewal or closing of credit card.

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PROBLEM ANALYSIS
We can define problem analysis is: Both the activities in the orientation phase and in the definition of the policy problem give an indication for the determination of the evaluation criteria. In the orientation phase, it was already investigated which aspects are relevant. An analysis of wishes, friction points, complaints or initiatives around the subject under study can give an indication of relevant evaluation criteria. Product definition A system is an orderly grouping of the independent components linked together according to achieve an objective. In
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the context of programming, a system is an integrated collection of programs and data files that act as a unit to achieve a target. System study is comprehensive management study for

investigation of overall problem, which is to be solved. By which there will be increase in the efficiency and effectiveness of the system or we can say system study is test of an existing system according to its workability. Impact on the organization, ability to meet user needs and effective use of resources. When the new system is developed, we need to study the old study system. In study of old system, we study various operations performed by the system. A key question is what must be done to solve the problem? During the system, study data is collected on the files. In system study, we study the existing system and see what kinds of input are required to run existing system. Now we have to decide what kind of input we required so is can fulfill the requirement of the proposed system. The front end and back end tools used in website as following:

Designing: ASP.NET,HTML, DHTML, Dreamweaver CS3, GIF Animator. Coding Server Side: C# and Java Script. The Back end tool: SQL Server 2005.

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FEASIBILITY ANALYSIS
A simple definition of feasibility analysis is - An analysis to determine the feasibility of a project. Details of construction costs, projected income from the project plus location and economic factors affecting the project will be required. Similar to a feasibility study by a developer conducted to decide whether to proceed with plans and required by the lender to decide whether to provide funds. A study of the cost-benefit relationship of an economic endeavor. The feasibility study is conducted see weather the proposed system is feasible or not. The site where the system is to be installed can beer all the expense and effect before and after the installation of the proposed system. There are four types of feasibility study: 1.) Technical feasibility. 2.) Economic feasibility. 3.) Operating feasibility. 4.) Social feasibility. 1.) Technical feasibility: Under this feasibility, we study whether the technical requirement for the working of the proposed system are okay or not. The hardware of the software requirement for the operation of the system is available with the firm or not. Whether or not there is any need for upgrading the hardware configuration for
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the running of the system.This project is basically designed on a common platform mostly available with all systems hardware configurations. So it can run on almost all the computer systems. Only software is required to run this system, which are commonly available on computer systems or in the market at reasonable rates. In this part the aspects that are considered are : 1) Can the work for the project be done with the current equipment, existing software technology and available personnel?
2) If new technology is required, what is the likelihood that it

can be developed? 2.) Economic feasibility: Under this section, we study the economic feasibility of the system. Weather the proposed system is economical to be developed and used in comparison to the previously used system? If any up gradation of the hardware is required to be done for the running of the system .whether it is feasible to spend more money on the up gradation of the hardware or the software. This system is very economical to be implemented art any place .if any new system is to be installed, even then it is more economical cause.

3.) Operational feasibility:

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In the operational feasibility study whether the proposed system will work accordingly to the policies and estimates of the end user after the implementation or not. The operational feasibility of the composed system also depends upon the training of the end user complexity of the system.

4.) Social feasibility: Survey of the feasibility is the most important part of the feasibility study. it is most commonly seen that the end user often resist to adopt the new software and new hardware. Those are the persons who will be affected by the implementation of new user. So their opinion must be known.

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SOFTWARE REQUIREMENT ANALYSIS

Introduction The analysis part of the designing of the software focuses on the requirement analysis of the software. It is based on studying of what is required from the software, the nature of program to be built, behaviour, performance and interface. It is based on studying the existing system. The basic part of the analysis part is to study existing system, the work done by the existing system, the reports generated by the existing system, and to have a meeting with the users of the system and getting from them what they require from the new system. Purpose: The purpose behind developing this software is to get things done automatically like filling the customer application form online to get the credit card and to
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generate the credit score card on the basis of online transactions done by the customer through that credit card by having an unique customer id and password. Scope: The scope of this software is quite wide and devastating. As today everyone want things get done on a click i.e., we dont want to stand on queue and apply for credit card. This software is providing instant information .Thus it is making the accessing faster, easier and efficient and hence saving the time and money of both the customer and bank. Definition: Credit Scoring Engine is a web-based software designed in order to automate the activities of the bank that are being done manually via means of a software. Functional Requirements:
Under this, all the functions to be performed by this

software comes. They are as follows: 1.Credit Card Application management 2.Credit Score calculation 3.Authenticating User 4.Transaction Management 5.Online Transaction 6.Credit Card Statement 7.Cancellation of Credit Cards
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8.Management of customer records

Specific Requirements In specific requirements means to run any system, what is the basic needs of proposed system with respect to hardware as well as software. Like system configuration, operating system, what software needs to be installed on the system?

Minimum Hardware Specification: HARDWARE CPU Speed Processor Memory/RAM: Display Properties Screen Resolution Size of Hard Disk Software Requirements 1. System has IIS Installed on it.
2. .NET Framework 3.5 installed on it.

SPECIFICATION 2.0 GHz recommended or higher Pentium IV or above 1GB minimum, 2GB recommended or higher Greater than 256 color depth 1024x768 recommended or higher at Normal Size (96dpi) 40GB Minimum

SOFTWARE Operating System Development Platform

DETAILS Microsoft Windows XP2 or Vista Visual Studio 2008, .NET Framework 3.5
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Web Server IDE Web Client Database

ASP.NET built in server, IIS Visual Studio 2008 Web Browser(IE 7.0,or above) SQL Server 2005

Non- Functional Requirements: Reliability: This software is very reliable for both customer as well as the bank. System failure is kept minimum in it and it is taken into consideration that it provides correct output for which it is being designed. Flexibility and Maintainability: This software is flexible i.e. changes can be made according to user requirement maintaining its verifiability and correctness and consistency. Portability: This software is portable and can run on different hardware platforms as it is designed on platform independent software. Behavioral Description: Under this, the system and states, events and actions are being described with the help of ER (Entity Relationship) Diagram and DFD (Dataflow Diagram).

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 DATA FLOW DIAGRAMS (DFDS)

CC- Credit Card CSR- Credit Score Report (i) 0 Level DFD

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Administrator

CC- Credit Card Pwd- Password

(ii)1.1 Level DFD for Administrator Module

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Manager

CIF- Customer Identification Form

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(iii)1.2 Level DFD for Manager Module

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Official User

CS- Credit Score Database CC-Credit Card (iv)1.3 Level DFD for Official User Module
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Applicant/Customer

(v)1.4 Level DFD for Customer Module

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Data Flow of the Project

(vi) 2 Level DFD for Overall Project

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 ENTITY RELATIONSHIP DIAGRAM

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MICROSOFT VISUAL STUDIO 2008 FOR FRONT END

Microsoft visual studio is an Integrated Development Environment (IDE) provided by Microsoft to create and develop Windows-based, Web-based, Console-based etc applications for .NET Framework 3.5. These Applications might be created by using different languages such as Visual Basic Visual C# Visual C++, etc. It contains a complete set of development tools for building ASP.NET web applications, web services, desktop applications and mobile applications. The new features and enhancements made in Visual Studio 2008-

Support for Multi- Targeting Support for ASP.NET AJAX and Jscript IntelliSense Support for Language Integrated Query (LINQ) Improved Deployment Support for Client application services Support for reporting applications Supports multiple versions of .NET Framework Helps in minimizing the development time
Editions of Visual Studio[27]

1. Visual Studio Express Edition(not use full MSDN library) 2. Visual Studio Standard Edition(not includes SQL Server) 3. Visual Studio Professional Edition(Contains everything except reporting tools and meant for a developer)
4. Visual Studio Team System (A complete set of s/w

Development and reporting tools meant for full programming staffs in large corporations) About ASP.NET 2008ASP.NET is the latest version of Microsofts Active Server Pages technology (ASP). It is a powerful tool to create dynamic and interactive web pages. ASP.NET is a Microsoft server-side Web technology. Main features of ASP.NET are1. Better performance 2. Improved Security 3. Greater scalability 4. Cookie-less Sessions AJAX is an extension of ASP.NET for developing and implementing AJAX functionality. About C#.NET 2008C# is a simple, type-safe, object oriented general purpose programming language. It provides cod-focused developers with powerful tools and language support to build rich, connected web and client applications on the .NET Framework. About ADO.NET 2008-

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ADO.NET is a technology used for working with data and databases of all types. It provides access to data sources such as Microsoft SQL Server and to data sources exposed through OLE DB and XML. ADO has used only Connected architecture but ADO.NET is implementing both Connected and Disconnected Architecture (basically using disconnected data architecture). It is scalable and transfers data in XML format.

SQL SERVER 2005 FOR BACK END

SQL SERVER 2005 is a Microsoft Product that is a software used to provide service that deals with the database. SQL is a query language that is used to interact with the database. It can be accessed by most programming languages. Information stored in a SQL Server 2005 database hosted on a web server can be accessed from anywhere in the world with a computer. This makes it a good way to store information that needs the ability to change over time, but also needs to be accessed over the net. Some examples that can utilize SQL Server 2005 are a web message board or a customer's shipping status.

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SQL Server has some differences from Oracle 9i such as the Unique key can have at most one null values here. It uses various stored procedures as a compiled object. SQL Server 2005 Express is the free version of the Microsoft SQL Server 2005 database. It replaces MSDE (Microsoft SQL Server 2000 Desktop Engine), which was based on Microsoft SQL Server 2000. Organizations that have developed MSDE applications will find it easy to move to SQL Server 2005 Express. SQL Server 2005 Express includes the new SQL Server 2005 database engine enhancements and a new graphical user interface (GUI) tool called SQL Server 2005 Management Studio Express Edition. SQL Server 2005 Express is integrated with Microsoft Visual Studio, which facilitates the design and development of database applications. Like MSDE, SQL Server 2005 Express is designed to provide an easy-to-use database platform that can be freely distributed with your applications. It is easy to move your MSDE applications to SQL Server 2005 Express. SQL Server 2005 Express has a number of important advantages over MSDE, such as visual configuration tools, XML data support, and simplified deployment of applications. These

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changes have resulted in a number of important differences between SQL Server 2005 Express and MSDE.

WHY VISUAL STUDIO 2008 AND SQL SERVER 2005?

Microsoft Visual Studio 2008 and SQL Server 2005 combine

to be an easily acceptable combination and are supported by all Operating Systems.

Microsoft Visual Studio 2008 is the Microsoft Software that

can be easily bounded with SQL Server 2005 as it is accompanied within the Visual Studio2008 package.
In Visual Studio 2008, I am using Visual C#, ASP.NET in my

web application.
Visual Studio 2008 works at the Front End and SQL Server

2005 at the Back End .

Web Designing in ASP.NET, and coding through C# and

Connection establishment with SQL Server 2005 for database access is much easier. Both provide GUI environment. Easily transported and stored.

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 .NET Framework has enabled us to develop a platform

independent application.

DESIGN PHASE
The design phase focuses on the detailed implementation of the system recommended in the feasibility study. Emphasis is on translating performance specifications into design specifications. The design phase is a translation from a user-oriented document (system proposal) to a document oriented to the programmers or database personal. Logical and Physical Design System design goes through two phase of development: logical and physical design. A data flow diagram DFD shows the logical flow of a system, it describes the inputs (source), outputs (destinations), data bases (data stores), and procedure (data flow) all in a format that meets the users requirements. When analysts prepare the logical system design, they specify the information flow into and out of the system and the required data resources.
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The Design covers the following:

Reviews the current physical system Its data flow, file

content, volumes, frequencies, etc.

Prepares outputs specifications that is, determine the

format, content, and frequency of the reports, including terminal specifications and locations. Prepares input specifications format, content, and most of the input form functions. This includes determining the flow of the document from input data source to the actual input location. Prepares edit, security, and control specifications. This includes specifying the rules for edit correction, backup procedures, and the controls that ensure processing and file integrity. Specifies the implementation plan. Prepares a logical design walkthrough of the information flow, Output, Input, controls, and implementation plan. Reviews benefits, cost, target dates date, and system constraints. Following logical design is physical design. This produces the working system by defining the design specifications that tell programmers exactly what the candidate system must do. In turn, the programmer writes the necessary programs or modifies the software package that accepts input from the user, performs the necessary calculations through the existing file or database produces the report on a hard copy or displays it on a screen, and maintains an updates database at all times.
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Specifically, physical system design consists of the following steps: Design the physical system o Specify input/out put media. o Design the database and specify backup procedures. o Design physical information flow through the system and a physical design walkthrough. Plan system implementation o Prepare a conversion schedule and a target data. o Determine training procedure, courses and timetable. Devise a test and implementation plan and Update benefits, costs, conversion date, and

specify any new hardware/software.

system constraints (Legal, financial, hardware, etc.). Design Methodologies During the past decade, there has been a growing move to transform the art of the systems analysis and design into an engineering-type discipline. The feeling that there has to be a more clearly defined logical method for developing a system that meets user requirement has led to new techniques and methodologies that fundamentally attempt to do the following: Improve productivity of analysis and programmers.

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 Improve documentation and subsequent maintenance

and enhancements. Cut down drastically on cost overruns and delays.

Improve

communication

among

the

user,

analyst,

designer, and programmer. Standardize the approach to analysis and design and programmer. Simplify design by segmentation.

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DATABASE DESIGN
Database name CSE with nine tables: SN Table Name o 1 User1 2 User2 Description Contains Login information of existing customer. Contains Login information of Employee (Administrator, Manager, Official User) Contains whole information about (new/existing) Customer filled by him/her online. Contains information about credit card like its type, limit, etc. Contains information about cardholder alongwith its credit card details Contains the information about the validations checked by officials and constraints applied on the credit card. This table contains the records about the transactions done by the customer via credit card and the record of incash, ie, cash deposited as a bank recovery by the customer. This table contains the records about the transaction done by the customer.

Customer

4 5

CreditCardDetail CustomerCreditcar dInfo Validations

CreditHistory

Transactions

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Gift

This table contains the records about the gift that are to be redeemed by the customer as his score points.

Table 1: User1 The Log in information about the existing cardholder. Schema

Colum Data n Type Name userid Int utype varchar(2 0) unam varchar(4 e 0) passw varchar(1 ord 0) email varchar(4 0) Records useri utype d 1001 Custom er 1002 Custom er 1003 Custom er

Nullabl e No No No No Yes

Colum Primary/F n ID oreign Key 1001(identi 1 Yes(PK,FK ty) (Customer) ) Customer 2 3 4 5

Default Value

Uname

passw ord Harshpre 12345 et Singh Jyoti 11111 Bala Ashu 12346 Bhatt
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Email harsh08.walia@gmail. com awasthijyoti@gmail.co m ashu@yahoo.com

1004

Custom er

Preeti Gupta

Aaaaa

pgupta@rediff.com

Table 2: User2 The Log in information of the Employees i.e. administrator, manager, official user . Schema Colum Data n Type Name userid Int Utype varchar(2 0) Unam varchar(4 e 0) passw varchar(1 ord 0) Email varchar(4 0) Records useri utype uname
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Nullab Default le Value No No No No Yes 10001(ide ntity) Customer

Colu Primary/ mn ID Foreign Key 1 Yes(PK) 2 3 4 5

passwor

Email

d 1001 1002 1003 Administrat or Manager Administrat or Mohit Duggal Official User Sanjeev Sharma

d admin_12 abc@gmail.com 3 12345 m.dd6017@yahoo.c om Shallu shallumax@gmail.c om

Table 3: Customer The information of the each customer either existing or new. This data is filled by the user while filling the online application form to apply for the credit card. Schema Column Name Custid bank_rel ccwithoth er Title Fname Mname Data Type Int varchar(2 0) varchar(2 0) varchar(4) varchar(2 0) varchar(2 Nullabl e No Yes Yes Yes Yes Yes
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Defaul t/ initial value

Column Primary/ ID Foreign Key 1 2 3 4 5 6 Yes(PK)

0) Lname varchar(2 0) nameoncc varchar(5 0) Dob varchar(2 0) Gender varchar(2 0) Mstatus varchar(2 0) Qualify varchar(2 0) Panno varchar(1 6) Mob decimal(1 8, 0) Email varchar(4 0) vehicleinf varchar(4 o 0) Rhno varchar(2 0) Rstreet varchar(2 0) Rlocality varchar(4 0) Rcity varchar(4 0) Rstate varchar(4 0) Rpin Int Resiphno decimal(1 8, 0) rno_of_re Int siyrs p_hno varchar(2 0) Pstreet varchar(2 0) Plocality varchar(4 0)

Yes No Yes Yes Yes Yes Yes Yes No Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes

7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27

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Pcity Pstate Ppin onameofc omp Odept Odesig obuilding no o_yrsincu rrjob Opin Olocality Ostreet Ocity Ostate Iindtype Icurrposi Isector Iprof annualInc mainbank name Branch Accno Status

varchar(4 0) varchar(4 0) Int varchar(4 0) varchar(4 0) varchar(4 0) varchar(1 0) Int Int varchar(4 0) varchar(4 0) varchar(4 0) varchar(4 0) varchar(4 0) varchar(4 0) varchar(4 0) varchar(4 0) decimal(1 8, 0) varchar(4 0) varchar(4 0) decimal(1 8, 0) varchar(4 0)

Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes No No
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28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 47 48 49 50

Score Referto

Int varchar(4 0)

Yes No

51 52

Yes(FK(Credit Score))

Table 4: CreditCardDetail It contains information about specific credit card and is not edited while runtime so it is a credit card master table Schema Column Data Nulla Default/ini Colu Primary/ Name Type ble tial Value mn ID Foreign Key cardid Int No 10001(ident 1 Yes(PK) ity) cardtyp varchar(20 No Customer 2 e ) creditli decimal(1 No 3 mit 8,0) Records Cardid 1 2 3 4

Cardtype Silver Gold Platinum Titanium

Creditlimit 25000 30000 35000 50000

Table 5: CustomerCreditcardInfo It contains information about credit card a customer. Schema Column Data Nullab Defa Colum Name Type le ult/in n ID itial Value Cardno decim No 1 al(18, 0)
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that is issued to Primary/Foreign Key Yes (PK)

Cardid cardholde rID Issuedate

Int Int dateti me Int

No No No No No

2 3 4 5 6

Yes(FK(CreditCard Detail)) Yes(FK(Customer) )

validtillda te renewalda Int te Records cardno 1000000000000 002

cardi cardhold d erID 1 1030

1000000000000 003

1032

issuedat e 4/25/200 9 12:00:00 AM 4/27/200 9 12:00:00 AM

validtilld ate 1

renewald ate 4/25/2010 12:00:00 AM 4/27/2010 12:00:00 AM

Table 6: Validations It contains the information about the validations checked by officials and constraints applied on the credit card. Schema Column Name Vid Custid eligibility ccwithother bank Data Type Int Int varchar(1 0) varchar(1 0) Nulla ble No No No No Default/ initial Value 1(identity) Colu Primary/Forei mn ID gn Key 1 2 3 4 Yes(PK) Yes(FK(Custome r))

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pancard

varchar(1 0) add_proof varchar(1 0) prev_relatio varchar(1 n 0) work_status varchar(1 0) incometaxp varchar(1 ayee 0) documentsu varchar(1 bmit 0) cust_prev_e varchar(1 xists 0) not_bankrup varchar(1 t 0) have_loan varchar(1 0) canbegivenc varchar(1 ard 0)

No No No No No No No No No No

5 6 7 8 9 10 11 12 13 14

Records
vid custid eligibility ccwith Pan work_ incometax document cust_prev not_ have_ canbe add_proof prev_relation otherbank card status payee submit _exists bankrupt loan givencard

1 2 3 4

1029 1030 1032 1033

True True True True

True True True True

True True True True

True True True True

False True False True

True True True True

True True True True

True True True True

False False True True

True True True True

False True False False

True True True True

Table 7: CreditHistory This table contains the records about the transactions done by the customer via credit card and the record of incash, ie, cash deposited as a bank recovery by the customer.

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Schema Column Name Chid Custid cardno creditdat e creditmod e creditamo unt creditbala nce debitdate debitamo unt totalBala nce Data Type Nullab Defa le ultVa lue Int No Int No Int Int varchar(10 ) Decimal(18 ,0) Decimal(18 ,0) Datetime Decimal(18 ,0) Decimal(18 ,0) No No No No No No No No Colu mn ID 1 2 3 4 5 6 7 8 9 10 Primary/Fore ign Key Yes(PK) Yes(FK(Custom er) Yes(FK(Custom er CredicardInfo)) Yes(FK(Custom er))

Records
Chid Custid Cardno Creditmode Creditdate credit amount Credit balance Debit date Debit amount Total balance

1030

1000000000000 002 1000000000000 002 1000000000000 002 1000000000000 002 1000000000000 007 1000000000000 007

Cash

1030

Purchase

1030

Cash

1030

Purchase

1040

Cash

1040

Purchase

5/4/2009 4:09:53 AM 5/4/2009 4:10:04 AM 5/4/2009 4:22:06 AM 5/4/2009 4:22:27 AM 5/5/2009 1:22:42 PM 5/5/2009 1:23:09 PM

5000

20000

15000

10000

2300

22700

12000

13000

9800

40200

1500

38700

1/1/1900 12:00:00 AM 1/1/1900 12:00:00 AM 1/1/1900 12:00:00 AM 1/1/1900 12:00:00 AM 1/1/1900 12:00:00 AM 1/1/1900 12:00:00 AM

21000

11000

23700

14000

40200

38700

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1040

1000000000000 007 1000000000000 002 1000000000000 002 1000000000000 002

Purchase

1030

Cash

1030

Purchase

10

1030

Cash

5/5/2009 3:51:08 PM 5/6/2009 11:55:16 AM 5/6/2009 11:58:55 AM 1/1/1900 12:00:00 AM

500

38200

8000

17000

1500

15500

15500

1/1/1900 12:00:00 AM 1/1/1900 12:00:00 AM 1/1/1900 12:00:00 AM 5/6/2009 5:16:29 PM

38200

17000

15500

5000

20500

Table 8: Transactions This table contains the records about the scoring made on the basis of transaction done by the customer. Schema Column Data Name Type tid custid itemid tmode Item_c ost Cash amount Scorep t Creditb al Int Int Int Dateti me Int Int int Decima l Nullab Defau le lt/ initial Value No No No No No No No No Colum Primary/Foreig n ID n Key 1 2 3 4 5 6 7 8 Yes(PK) Yes(FK(customer ))

RECORDS Tid Custi Itemi Tmode Item_c d d ost 1 1030 0 Cash 0

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Cashamo unt 5000

Score creditb pt al 200 20000

2 3 4 5 6 7 8 9 10

1030 1030 1030 1040 1040 1040 1030 1030 1034

4 0 6 0 3 5 0 3 0

Purcha se Cash Purcha se Cash Purcha se Purcha se Cash Purcha se Cash

15000 0 12000 0 1500 500 0 1500 0

0 2300 0 9800 0 0 8000 0 8000

250 100 250 200 100 50 200 100 20

10000 22700 13000 40200 38700 38200 17000 15500 42000

Table 9: Gift This table contains the records about the gift to be redeemed by the customer online in order to redeem his/her gained score points. Schema Column Data Name Type tid custid itemid Int Int Int Nullab Defau le lt/ initial Value No No No Colum Primary/Foreig n ID n Key 1 2 3 Yes(PK) Yes(FK(customer ))

RECORDS GiftI Custi Gname d d 1 1030 Car 2 3 1030 1030 Car Car

Gamou nt 200000 200000 200000

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Giftp Status Scor t e 200 Accept 590 ed 200 Accept 590 ed 200 Accept 590

giftac p 28 28 28

4 5 6 7 8

1030 1030 1030 1034 1034

Car Washing Machine Car Washing Machine Washing Machine

200000 8000 200000 8000 8000

200 16 200 16 16

ed Accept ed Accept ed Accept ed Accept ed Accept ed

590 590 590 20 20

28 28 28 16 16

DATABASE DIAGRAM

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[49]

USER MANUAL
The name of the project site is Credit Scoring Engine. It contains two sections: User section and Admin section. Proposed Systems snapshots: [Home Page of Credit Scoring Engine Website]

The above snapshot displays the static image of Home page of the project.

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Proposed Systems snapshots: [ABOUT US PAGE ]

This page displays one of the links of the Home Page i.e., About Us. This simply describes about the project and its flow in the form of a Slide Show.

[51]

SNAPSHOTS OF ADMINISTRATOR MODULE [Log In Page ]

This is the Log in page of Administrator to get into Admin_Home

[52]

[AdminHome Page ]

This is Admin home. Administrator has to perform set of functions like Approving and issuing Credit card, creating user, deleting and blocking, etc that are being shown in next forms.

[53]

[Administrator Approval Page ]

Here administrator selects the pending customers id from the dropdown list and if all documentations are being done as being referred by Manager then Issue/Reject the request on the basis of his/her consensus.

[54]

If he clicks on Issue the above information is being displayed dynamically on the page displaying the admin the information that user is issued card with the following credit card details, otherwise the request will be rejected. After Clicking on the OK button, he is directed to the Create User Page.

[55]

[Create User Page ]

This is Create User Form that is used to create and provide user a customer ID and password. This create user form is also used to create Employees Login ID information by the administrator.

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[Change Password Page ]

Administrator has the right to change the password of the Customer and other accessible employees like Manager, Official User, etc.

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On clicking Change Button, above information is displayed.

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[Delete User]

This snapshot show that administrator has the power to delete any kind of user at any time.

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[List of Existing Customer/ Card Holder]

This snapshot displays the list of existing customer that are having their log in and passwords to the Administrator to keep track of all customer.

[60]

[Credit Details of all the Customers]

This snapshot displays the details of online transactions done by the existing customers through their credit cards in the form of a crystal report that help the administrator to keep track of all customers.

[61]

SNAPSHOTS OF MANAGER MODULE [Manager Log in Page]

This snapshot shows Log in page of Manager. As Manager logs in, he is directed to the manager home.

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[Manager Home Page]

This snapshot shows the Manager Home.

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[List of Pending Requests]

This page displays the list of pending requests that are being waiting to get approved or rejected. On the basis of this request manager refer to the next page to apply constraints on the request send as referrals by the official user.

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[Constraints to be Applied Page]

Here manager apply constraints by first referring to the validations checked by the official user and some other validations. If all necessary validations are fulfilled then the constraints are applied automatically by filling the income details of that customer to get to know which card is to be issued to that customer on the basis of its eligibility as shown in next form snapshot.

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Here we can see that Constraints are being applied and the referred card along with its details is being send to the administrator for approval.

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SNAPSHOTS OF OFFICIAL USER MODULE [Login Page]

This Snapshot displays the log in page of official user that if authenticated redirect the user to its home page.

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[Official User Home Page]

This snapshot displays the Official User Home Page. Fill in the CIF is a Customer Identification Form that is either filled by the customer online or by the official user when the applicant apply directly by contacting bank first. We have shown the CIF form in the Customer Phase.

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[Check Documentation Page]

This is Snapshot to check whether the documentation submitted properly or not and whether the necessary conditions are being fulfilled or not. Official User simply has to check certain checkbox if they are present and refer the request to the manager for further considerations.

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On clicking Refer the request is sent to the manager.

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CUSTOMER MODULE
CREDIT CARD HOME PAGE

This is credit card home from where new user can communicate by getting know about the credit cards, eligibility , can apply for the credit card also. Existing customer can also know his/her credit score from this page links only and can do online transactions.
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SNAPSHOTS ACCESSIBLE BY THE NEW USERS CREDIT CARD FEATURES [Eligibility form]

This snapshot tells the new user who is interested to apply for a credit card to know the eligibility to apply for credit cards.
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[Usage Guide Page]

This snapshot shows the usage guide to let you know how to use credit card while doing online transactions, for applying for loans etc.

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APPLY FOR CREDIT CARD [Customer Identification Form Page]

This is the first phase of CIF form i.e. to be filled by the user who is applying for credit card. In this, customer has to fill the personal detail then move to fill Residential details, Office details and income details.

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This is the second phase of the tab panel showing the residential details that are to be filled by the applicant applying for the credit card.

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This is the third phase of CIF form that contains the office details within the tab panel that is being filled by the applicant of the credit card

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This is the last phase of CIF form that contains the income details within the tab panel that is being filled by the applicant of the credit card.

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When the customer fills all the details and click on the submit button he/she got and auto generated customer ID that he/she can use for checking his/her status of application that can be either pending or issued if credit card is being issued or rejected if request for credit card is rejected by the bank.
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[Application Status Form]

This snapshot is from application status form that is being used by any user to know his/her application status that can be either

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Pending or Issued or Rejected on the basis of customer id issued to him while filling the CIF.

This is the snapshot showing the status of the application if it is issued. It is displaying all the details to the customer along with the Login details to do further transaction online.
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SNAPSHOTS OF EXISTING CUSTOMER MODULE LOG IN PAGE OF CUSTOMER

This snapshot displays the log in webpage of the existing customer to enable him/her to do online cc transaction or to get their credit score report or to redeem their score points.
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ABOUT CREDIT SCORE [What is Credit Scoring?]

This snapshot gives the user information about credit scoring and why it is being done it doesnt contains any functionality except displaying information.
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[Your Credit History]

This is the webpage that displays the existing customer his/her credit history i.e. the transactions being done by him/her online via credit card. This page is visible to only those users who have been logged in.
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[Credit Score Card Page]

This snapshot display the Credit Score Card that is being displayed to the customer and is containing brief detail about the customer his credit card information and the scoring detail along with the points that are being redeemed by him. This page is also accessible to the authenticated credit card holders only when they are logged in.

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CHANGE PASSWORD [Customer Change Password Form]

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This snapshot displays the customer privilege that has been provided to him/her to change the password anytime whenever he/she desires.

On clicking on change the password of the customer is being changed and the information is being displayed as shown on the webpage snapshot.

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ONLINE CREDIT CARD TRANSACTIONS

This is snapshot of online transaction provided to the customer while he/she is logged in.
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[Deposit Page]

The customer is navigated to this webpage when he/she clicks on Deposit button of OnlineCC form. Here the customer can deposit

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the amount online in his/her account to pay off credit card bills,etc.

[Cash Withdraw Page]

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On clicking to Cash withdraw, customer is navigated to cash withdraw webpage and here on entering the amount he/she can withdraw the cash as shown in the snapshot.

[Online Purchasing Page]

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This snapshot displays some items available online for customer to do online purchasing by selecting any of them and buy them via credit card. This webpage is also accessible only if customer is logged in.

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On clicking on any of the item the customer is navigated to another page to accept or cancel the purchase request. On clicking purchase, the item is purchase by the customer.

GIFT REDEEMPTION [Snapshot of Gift form]

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This snapshot shows the gift items that can be redeemed on the basis of points gained by the customer.

[Gift approval page]

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This is snapshot of the webpage where customer decides to pick gift or not and it also let customer know that whether he/she is in condition i.e., having sufficient points to pick that gift or not.

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On clicking to accept button the gift is issued to customer and his/her score is automatically updated and can be seen as a message or in the score card

[95]

SNAPSHOT OF SPECIAL OFFERS PAGE

This is just an advertisement page to let customer know about the facilities provided inside the site when he will visit and explore it fully.

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SNAPSHOT OF GUIDELINE WEBPAGE

This snapshot displays the guideline to browse over the website and to help the users to let them know about the site. It works like a Site Map here in which links are provided to go through the website.

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CONTACT US PAGE

This is the last snapshot of the project to help the user to contact the Officials of the Bank. The Site is still under Construction

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TESTING PHASE
System testing is vital to success of system. System testing makes a logical assumption that if all the parts of system are correct, the goal will be successfully achieved. Inadequate testing or non testing leads to errors that may not appear until month later. This creates two problems 1. The time lag between the cause and appearance of the problems that is, the longer the time interval more complicated the problem has become. 2.The effect of the system error on files and records within the system, a small system error can conceivably explode into a much larger problem. Effective testing early in the process translates directly into longterm cost savings from reduced number of errors. Another reason for system testing is its utility as a user- oriented vehicle before Implementation. The best program is worthless if it does not meet user needs. Unfortunately the users demands are often compromised by efforts facilitate. Programs or design efficiency in terms of processing time or memory utilization. Often the computer technician or users have communication barriers due to diff.
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TYPES OF TESTING The test plan specifies the objectives of testing, the test completion criteria, the system Integration plan, methods to be used on particular modules and the particular test cases to be used. Generally there are two types of test cases: static analysis and dynamic test cases. Which include unit testing and system testing in it. UNIT TESTING: Unit testing comprises the set of tests performed by individual programmer prior to Integration of the unit into a larger system; the situation is illustrated as follows: Coding & debugging Integration testing A program unit is small enough that the programmer who developed it can test it in great deal. There are four categories of tests that a programmer will typically perform on a program Unit: 1. 2. 3. 4. 5. Functional tests Performance tests Stress tests Structure tests Integration testing
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Unit testing

6. Acceptance testing

1.) FUNCTIONAL TESTS: Cases involve exercising the code with nominal input value for which the expected result are known as well boundary values and special values such as logical related inputs ,1*1 matrix , the identity matrix , files of identical elements and empty files. 2.) PERFORMANCE TESTING: Determines the amount of execution time spent in various parts of the unit, program throughput, response time, and the device utilization by the Program unit. Performance testing is most productive at the sub system and the system levels. 3.) STRESS TESTS: Are those tests design to intentionally break the unit, a great deal can be learned about the strengths and limitation of the program by examining the manner in which a program unit breaks. 4.) STRUCTURE TESTS: Are concerned with exercising the internal logic of a program and Traversing a particular execution class. The major activities in structural activities are deciding which paths to exercise, deriving test data to exercise those paths.

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5.) INTEGRATION TESTING: A strategy for integrating software components into a functioning product includes the bottom-up strategy, the top-down strategy and sandwich strategy. Bottom-up integration is the traditional strategy used to integrate the software components. Bottom-up integration consists of unit testing, followed by sub system testing, followed by the testing of entire system. Top-down integration starts with the main routine and one or two immediately subordinate routines in the system structure. Topdown integration requires the use of program stubs to simulate the effect of lower level routine that are called by those being tested. Sandwich integration is predominately top-down, but bottom techniques are used on some modules and subsystems. The mix alleviates many of the problems encountered in pure top-down testing and retains the advantages of top-down integration at the sub system and system level. 6.) ACCEPTANCE TESTING: Acceptance testing involves planning and execution of functional tests, performance tests and stress test in order to
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demonstrate

that

the

implemented

system

satisfies

its

requirements. Acceptance tests are typically performed by quality assurance and/or customer organization.

IMPLEMENTATION
IMPLEMENTATION MECHANISMS THAT WILL BE UESD User Administration & Security Introduction Each user will have a unique order number user Id allocated to each use. This is to make sure that no all the orders id are unique in nature. Also each user will be assigned a level according to his/her functional responsibilities. The access to menu items will be controlled through this level. However, it system administrator wants; he can super code this and can withdraw certain privileges from the user of the respective level. Logging into the system The user will be required to fill out the shipping information and Press Ok button to process the order. At this moment the system will process the order. If the order is placed successfully then automated responded email gone to user as well as administrator about the order After the admin has entered the User name and password correctly, the system will check for privileges of this user. Based on the assigned privileges, the menu options will be available.

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BIBLIOGRAPHY AND REFERENCES

C# 2008 Black Book- by Dreamtech Press ASP.NET 2008 Black Book- by Dreamtech Press

The C# Complete Reference-by Schildt C# 2008- by Wrox Macromedia Dream weaver GIF Animator Ajax

SQL Server 2005 Black Book by Dreamtech Press www.google.co.in www.wikipedia.com

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