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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
Agenda
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Objectives
Project description
Choice of Technologies
Task Assignment
Timetable
Financial Aspect
Calculations
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Database Structure
Security Aspect
Technical Aspect
Web Design
Demonstration
Evolution
Assessment
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Objectives
Customer
Bank clerk
• Easy application
• Easy to use
• Short application
• Support on decision making
• Quick access to funds
• Flexible financing
• Flexible loan amount
• Flexible repayment terms
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Project Description
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Online financing a start up company
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Choice of Technologies
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Web server : Apache
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Database server : MySQL
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Script language : PHP4
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Extension : PHPLib
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HTML 4.0
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CSS
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Task Assignment
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Functionalities definition
Web site design
Database structure
Calculations
Server
Security
Final documentation
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Timetable
Phase 1
Phase 2
Phase 3
Oct
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
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Objectives
Project description
Choice of Technologies
Task Assignment
Timetable
Financial Aspect
Calculations
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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
Cs of Credit
Character
 Capacity
 Capital
 Collaterals
 Conditions
 Coverage
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Credit Scoring method
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Score values (additive or multiplicative), weight
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Prescreptive - descreptive
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Rating Classes – Division Score
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Neuronal nets Classes – Division Score
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Categories
Final Score
Financial
situation
• Equity rate
• Cash Flow
• Return on total
..investment
Market position
Quality of
management
• Market share
• Structure of organ.
• Market growth
• Experience
• Sector trends
• Strategy
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Z-Score Modell
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Working Capital / Total Capital
 Open depreciation fund / Total Capital
 Profit before interest and tax / TC
 Market value EK / FK
 Turnover / TC
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Weight determined by discriminatory analysis
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Calculations we used
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Financial Calculations
Annuity
• Mathematical correct average of payements
• Equivalent with repayment
• Interest proportion repayment proportion
Interest
Effective rate
• Equivalent with internal rate of return
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Database Structure
8 Tables :
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Identity_of_ requester
 Project_presentation
 Loan
 Bank_clerk
 Complement_on_the_requester
 Complement_on_the_project
 Calculations
 Activity
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Database architecture
Calculations
Complement_on_the_requester
Identity_of_requester
Project_presentation
Activity
Loan
Bank_clerk
Complement_on_the_project
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Database Structure
Links between tables :
IDENTITY_OF_REQUESTER
and COMPLEMENT_ON_THE_REQUESTER
Identity_of_requester
Complement_on_the_requester
User_id
User_id
…
…
Fk_user_id
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Database Structure
Links between tables :
PROJECT_PRESENTATION
and COMPLEMENT_ON_THE_PROJECT
Project_presentation
Complement_on_the_project
User_id
User_id
…
…
Fk_user_id
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Database Structure
Links between tables :
IDENTITY_OF_REQUESTER
and PROJECT_PRESENTATION
Project_presentation
Identity_of_requester
User_id
User_id
…
…
Fk_user_id
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Database Structure
Links between tables :
PROJECT_PRESENTATION
and CALCULATIONS
Calculations
Project_presentation
Calculations_num
User_id
…
…
Fk_ user_id
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Database Structure
Links between tables :
PROJECT_PRESENTATION
and LOAN
Loan
Project_presentation
Loan_num
User_id
…
…
Fk_ user_id
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Database Structure
Links between tables :
BANK_CLERK
and LOAN
Loan
Bank_clerk
User_id
Bank_clerk_num
…
…
Fk_bank_clerk_num
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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
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Objectives
Project description
Choice of Technologies
Task Assignment
Timetable
Financial Aspect
Calculations
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Database Structure
Security Aspect
Technical Aspect
Web Design
Demonstration
Evolution
Assessment
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Security Aspect
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Access control
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Database backup
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Firewall
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Access control
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User and Password authentication
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Grant user privilege
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Backup strategy
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The backup system
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Full backups & Incremental backups
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Tape rotation scheme
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Three levels protection
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Firewall Architecture
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Agenda
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Objectives
Project description
Choice of Technologies
Task Assignment
Timetable
Financial Aspect
Calculations
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Database Structure
Security Aspect
Technical Aspect
Web Design
Demonstration
Evolution
Assessment
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Technical Aspect-Php
Structure
Sessions/DB Connection
Authentification
Validation
PHP Lib -Sessions
- Need of passing variables from one site to the other
- Set variables called session (identified by SessionID)
Url
-Fallback solution
if (cookie_enabled) cookie
else url
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Cookie
SessionClass Overview
Ex_Session
Ex_CT_Sql
Class Ex_CT_Sql extends CtSql{
Var $database_class
„Ex_DB“;}
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Ex_DB
Authentification
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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
Uses >
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Validation
Server Side (PHP)
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Client Side (JavaScript)
Strlen()
Ereg()
Empty()
Email address:
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Agenda
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Objectives
Project description
Choice of Technologies
Task Assignment
Timetable
Financial Aspect
Calculations
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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
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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
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Navigation for the client
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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 -> apply
2. Log in -> 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
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Objectives
Project description
Choice of Technologies
Task Assignment
Timetable
Financial Aspect
Calculations
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Database Structure
Security Aspect
Technical Aspect
Web Design
Demonstration
Evolution
Assessment
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Evolution
The future of Loan Direct :
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Click on the phone number of the
bank clerk to call him
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Net Meeting with the bank clerk
thanks to a digital camera
(visio conference)
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Assessment
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Discovering others working methods and
their adequacies
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Perpetual communication among the
various members of the group
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A very enriching experiment
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Thanks
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Mrs. Claudia Schremmer
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M. Jean-Claude Grattarola
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Thanks for your attention !
Merci de votre attention !
Danke für Ihre Aufmerksamkeit !
MERRCI VOTRE ATTENTION !
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