CREDIT SCORING ENGINE

CONTENTS
1.ABSTRACT
2. INTRODUCTION
3. DESIGN PRINCIPLES & EXPLANATION
3.1. MODULES
3.2. MODULE DESCRIPTIOIN
4. PROJECT DICTIONARY
4.1. DATAFLOW DIAGRAMS
5. FORMS & REPORTS
5.1. I/O SAMPLES
6. BIBILIOGRAPHY

1.ABSTRACT
Main aim of the project is to develop a system which takes
some data for validation
& Check the validity of the data by comparing the data values present
in the database.
The importance of this is to check whether the
customer is in a position to have a credit card. It checks whether the
client is applying for the credit card is under the constraints mentioned
for the credit card he is applying for.
In this application there are two phases. In the first
phase, which is discussed above,
is finding the capabilities of the customer. Where as the second phase
is the scorecard, which is giving points to each credit card holder,
whenever he does any transaction through it. For each time of the
transaction different score of points are recorded in the database. The
engine works automatically whenever the transaction is done by the
cardholder and increases points. Using this the credit card provider can
easily fetch the list of those customers who are responsible for the
credit values of each customer increases after obtaining certain points.

2. INTRODUCTION
To develop a system which takes some data for validation and
Check validity of data by comparing the data values present in the
Database.
The importance of this is to check whether the customer is in a
Position to have credit card. It checks whether the client is applying for
a credit card is under the constraints mentioned for the credit card to
Which he is applying for.
In this application there are two phases. In the
First phase, which is discussed about finding the capabilities of the
Customer where as the second phase is about the score card which is
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. 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 for can use this application 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.

3. DESIGN PRINCIPLES & EXPLANATION

3.1. MODULES

The project mainly consists of 4 modules.

1.Administrator
2.Manager
3.Official User
4.Applicant (customer)

3.2. MODULE DESCRIPTIOIN

Administrator:
For security purpose administrator gives user id and
passwords to the managers and officials.
Final acceptance for the application is done by
management
Manager:
Creates and manages the card details. He is the one who
decides whether the applicant can be given the appropriate card or
not. Fixes up some rules and regulations. Specifies some constraints.

Official User:
He enters the customer details. Gets the information
about the person gives to the manager. Finally with the permission of
manager grants the card.
He is the one who provides the card to the applicant.
He also maintains the credit card transactions.
Applicant:
The person who applies for a credit card and uses it

4. PROJECT DICTIONARY
4.1. DATAFLOW DIAGRAMS
Administrator

Administrator

logi
n

Gives id &
password to
managers&
officials

Final
acceptance
for the
application

logou
t

Manager

manager

logi
n

Enters
customer
details
Logout

Official

Official

logi
n

Validity
check

Manages
process

logou
t

Overview of the project

logi
n

Administrator

Official

Manager

Assigns
process

Designs
process
Validity
check

Manages
process

D
logi
n

5. FORMS & REPORTS

5.1. I/O SAMPLES

SKHR BANK
Cards provided by the bank
TYPE OF CARD

DETAILS

OK

SKHR BANK
_________________
________________
LOGIN
Emp id:
Password:
Designation:
Sign in

SKHR BANK
Cash deposit
List of application forms

back

6. BIBILIOGRAPHY
System analysis and Design
Senn
Fundamentals of Database Systems
Software Engineering Concepts
The Java Tutorial Continued
JSP Complete Reference
HTML Black Book

Elmasri
Robert Pressman
Tutorial Team
Phil Hanna
Steven Holzner