Project 5 Presentation

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Project 5 Presentation

• LOAN DIRECT
• A Web Site for Financial Services

Susanne Krabbe- Catherine Ledogar - Gaudenz
Pacher-Theinburg Laetitia Soler - Tang Yi
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Agenda

• Objectives
• Project description
• Choice of Technologies
• Task Assignment
• Timetable
• Financial Aspect
• Calculations

• Database Structure
• Security Aspect
• Technical Aspect
• Web Design
• Demonstration
• Evolution
• Assessment

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Objectives
Customer
Bank clerk

• Easy application
• Short application
• Quick access to funds
• Flexible financing
• Flexible loan amount
• Flexible repayment terms

• Easy to use
• Support on decision making

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Project Description

• Online financing a start up company

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Choice of Technologies

• Web server Apache
• Database server MySQL
• Script language PHP4
• Extension PHPLib
• HTML 4.0
• CSS

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Task Assignment

• Functionalities definition
• Web site design
• Database structure
• Calculations
• Server
• Security
• Final documentation

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Timetable
Nov
Dec
Jan
Feb

• Phase 1 Information gathering, assesment of
  existing sites on the subject,
  installation of software environment
• Phase 2 Definition of the detailed
  architecture and design of the site
  selection of technical solutions for
  implementation
• Phase 3 Development of a prototype and
  documentation

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Agenda

• Objectives
• Project description
• Choice of Technologies
• Task Assignment
• Timetable
• Financial Aspect
• Calculations

• Database Structure
• Security Aspect
• Technical Aspect
• Web Design
• Demonstration
• Evolution
• Assessment

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Financial Aspect
Structure

• Cs of credit
• Credit Scoring method
• Categories
• Z-Score Modell
• Financial Calculatios

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Cs of Credit

• Character
• Capacity
• Capital
• Collaterals
• Conditions
• Coverage

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Credit Scoring method

• Score values (additive or multiplicative), weight

• Prescreptive - descreptive

• Rating Classes Division Score

• Neuronal nets Classes Division Score

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Categories
Final Score

• Market share

• Structure of organ.

• Equity rate

• Market growth

• Cash Flow

• Experience

• Return on total ..investment

• Sector trends

• Strategy

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Z-Score Modell

• Working Capital / Total Capital
• Open depreciation fund / Total Capital
• Profit before interest and tax / TC
• Market value EK / FK
• Turnover / TC
• Weight determined by discriminatory analysis

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Calculations we used
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Financial Calculations

• Mathematical correct average of payements
• Equivalent with repayment
• Interest proportion repayment proportion

Annuity
Interest

• Equivalent with internal rate of return

Effective rate
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Database Structure

• 8 Tables
• Identity_of_ requester
• Project_presentation
• Loan
• Bank_clerk
• Complement_on_the_requester
• Complement_on_the_project
• Calculations
• Activity

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Database architecture
Complement_on_the_requester
Calculations
Identity_of_requester
Project_presentation
Activity
Loan
Complement_on_the_project
Bank_clerk
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Database Structure

• Links between tables
• IDENTITY_OF_REQUESTER
• and COMPLEMENT_ON_THE_REQUESTER

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Database Structure

• Links between tables
• PROJECT_PRESENTATION
• and COMPLEMENT_ON_THE_PROJECT

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Database Structure

• Links between tables
• IDENTITY_OF_REQUESTER
• and PROJECT_PRESENTATION

Identity_of_requester
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Database Structure

• Links between tables
• PROJECT_PRESENTATION
• and CALCULATIONS

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Database Structure

• Links between tables
• PROJECT_PRESENTATION
• and LOAN

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Database Structure

• Links between tables
• BANK_CLERK
• and LOAN

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Identity_of_requester
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Project_Presentation
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Loan
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Bank_clerk
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Complement_on_the_requester
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Complement_on_the_project
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Calculations
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Activity
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Agenda

• Objectives
• Project description
• Choice of Technologies
• Task Assignment
• Timetable
• Financial Aspect
• Calculations

• Database Structure
• Security Aspect
• Technical Aspect
• Web Design
• Demonstration
• Evolution
• Assessment

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Security Aspect

• Access control
• Database backup
• Firewall

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Access control

• User and Password authentication
• Grant user privilege

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Backup strategy

• The backup system
• Full backups Incremental backups
• Tape rotation scheme

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Three levels protection
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Firewall Architecture
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Agenda

• Objectives
• Project description
• Choice of Technologies
• Task Assignment
• Timetable
• Financial Aspect
• Calculations

• Database Structure
• Security Aspect
• Technical Aspect
• Web Design
• Demonstration
• Evolution
• Assessment

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Technical Aspect-Php
Structure

• Sessions/DB Connection
• Authentification
• Validation

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PHP Lib -Sessions

• - Need of passing variables from one site to the
  other
• - Set variables called session (identified by
  SessionID)

• Fallback solution if (cookie_enabled) cookie
• else url

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SessionClass Overview
Class Ex_CT_Sql extends CtSql Var
database_class Ex_DB
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Authentification

• Influence on transmission (use of kryptographical
  methods)
• Calculated / time limited logoff
• Username as login schema not necessarily
• User data for personalisation
• Controll of appareance of loginscreen

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LoginClass Overview
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Validation
Server Side (PHP)
Client Side
(JavaScript)

• Strlen()
• Ereg()
• Empty()
• Email address

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Agenda

• Objectives
• Project description
• Choice of Technologies
• Task Assignment
• Timetable
• Financial Aspect
• Calculations

• Database Structure
• Security Aspect
• Technical Aspect
• Web Design
• Demonstration
• Evolution
• Assessment

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Web Design

• Technical requirements
• Structure of the web site
• Navigation
• The questionnaire
• Conveniences for the user

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Technical requirements

• Internet Explorer 5.x
• Netscape 4.7x
• HTML 4.0
• CSS
• Javascript enabled
• Cookies enabled

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Structure of the web site

• Home
• Application
• Contact us
• Log in
• Links
• Sitemap
• Your Opinion

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Different users - different site
Login
Bank clerk
Client
bank_clerk.php
client.php

• List of clients

• Data of the client

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Different users - different site

• Navigation for the client
• Navigation for the bank clerk

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The questionnaire

• to collect the data necessary for the loan
  decision
• two possibilities to fill in the data (dependent
  on the status of the user 1. Application -gt
  apply 2. Log in -gt A new loan)

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Conveniences for the user

• Search facility
• Print buttons
• Support of different languages

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Demonstration
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Agenda

• Objectives
• Project description
• Choice of Technologies
• Task Assignment
• Timetable
• Financial Aspect
• Calculations

• Database Structure
• Security Aspect
• Technical Aspect
• Web Design
• Demonstration
• Evolution
• Assessment

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Evolution

• The future of Loan Direct
• Click on the phone number of the
• bank clerk to call him
• Net Meeting with the bank clerk
• thanks to a digital camera
• (visio conference)

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Assessment

• Discovering others working methods and their
  adequacies
• Perpetual communication among the various members
  of the group
• A very enriching experiment

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Thanks

• Mrs. Claudia Schremmer
• M. Jean-Claude Grattarola

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• Thanks for your attention !
• Merci de votre attention !
• Danke für Ihre Aufmerksamkeit !
• MERRCI VOTRE ATTENTION !