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Project 5 PresentationProject 5 Presentation
LOAN DIRECTA Web Site for Financial Services
Susanne Krabbe- Catherine Ledogar - Gaudenz Pacher-Theinburg
Laetitia Soler - Tang Yi
--- LOAN DIRECT ---
AgendaAgenda
Objectives Project description Choice of Technologies Task Assignment Timetable Financial Aspect Calculations
Database Structure Security Aspect Technical Aspect Web Design Demonstration Evolution Assessment
--- LOAN DIRECT ---
ObjectivesObjectives
Bank clerkBank clerkCustomerCustomer
• 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 DescriptionProject Description
Online financing a start up company
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Choice of TechnologiesChoice of Technologies
Web server : Apache
Database server : MySQL
Script language : PHP4
Extension : PHPLib
HTML 4.0
CSS
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Task AssignmentTask Assignment
Functionalities definition Web site design Database structure Calculations Server Security Final documentation
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TimetableTimetable
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
Oct
Phase 1Phase 1
Phase 2Phase 2
Phase 3Phase 3
Nov Dec Jan Feb
--- LOAN DIRECT ---
AgendaAgenda
Objectives Project description Choice of Technologies Task Assignment Timetable Financial Aspect Calculations
Database Structure Security Aspect Technical Aspect Web Design Demonstration Evolution Assessment
Financial AspectFinancial Aspect
Cs of credit
Credit Scoring method
Categories
Z-Score Modell
Financial Calculatios
Structure
--- LOAN DIRECT ---
Cs of CreditCs of Credit
Character CapacityCapital CollateralsConditionsCoverage
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Credit Scoring methodCredit Scoring method
Score values (additive or multiplicative), weight
Neuronal nets Classes – Division Score
Rating Classes – Division Score
Prescreptive - descreptive
--- LOAN DIRECT ---
CategoriesCategories
Final Score
• Market share
• Sector trends
• Market growth
• Structure of organ.
• Experience
• Strategy
Financial situation
Market position
Quality of management
• Equity rate
• Cash Flow
• Return on total ..investment
--- LOAN DIRECT ---
Z-Score ModellZ-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 usedCalculations we used
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Financial CalculationsFinancial Calculations
• Equivalent with internal rate of return
• Mathematical correct average of payements
• Equivalent with repayment
• Interest proportion repayment proportion
Interest
Annuity
Effective rate
--- LOAN DIRECT ---
Database StructureDatabase Structure
8 Tables :
Identity_of_ requester Project_presentation Loan Bank_clerk Complement_on_the_requester Complement_on_the_project Calculations Activity
--- LOAN DIRECT ---
Database architectureDatabase architecture
Identity_of_requester
Complement_on_the_project
Complement_on_the_requester
Project_presentation Activity
Loan
Calculations
Bank_clerk
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Links between tables :
IDENTITY_OF_REQUESTER
and COMPLEMENT_ON_THE_REQUESTER
Database StructureDatabase Structure
Identity_of_requesterIdentity_of_requester
User_id
…
Complement_on_the_requesterComplement_on_the_requester
User_id
…
Fk_user_id
--- LOAN DIRECT ---
Database StructureDatabase Structure
Links between tables :
PROJECT_PRESENTATION
and COMPLEMENT_ON_THE_PROJECT
Project_presentationProject_presentation
User_id
…
Complement_on_the_projectComplement_on_the_project
User_id
…
Fk_user_id
--- LOAN DIRECT ---
Database StructureDatabase Structure
Links between tables :
IDENTITY_OF_REQUESTER
and PROJECT_PRESENTATION
User_id
…
Project_presentationProject_presentation
User_id …
Fk_user_id
Identity_of_requesterIdentity_of_requester
--- LOAN DIRECT ---
Database StructureDatabase Structure
Links between tables :
PROJECT_PRESENTATION
and CALCULATIONS
Project_presentationProject_presentation
User_id
…
CalculationsCalculations
Calculations_num
…
Fk_ user_id
--- LOAN DIRECT ---
Database StructureDatabase Structure
Links between tables :
PROJECT_PRESENTATION
and LOAN
Project_presentationProject_presentation
User_id
…
LoanLoan
Loan_num
…
Fk_ user_id
--- LOAN DIRECT ---
Database StructureDatabase Structure
Links between tables :
BANK_CLERK
and LOAN
Bank_clerkBank_clerk
Bank_clerk_num
…
LoanLoan
User_id
…
Fk_bank_clerk_num
--- LOAN DIRECT ---
Identity_of_requesterIdentity_of_requester
--- LOAN DIRECT ---
Project_PresentationProject_Presentation
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LoanLoan
--- LOAN DIRECT ---
Bank_clerkBank_clerk
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Complement_on_the_requesterComplement_on_the_requester
--- LOAN DIRECT ---
Complement_on_the_projectComplement_on_the_project
--- LOAN DIRECT ---
CalculationsCalculations
--- LOAN DIRECT ---
ActivityActivity
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AgendaAgenda
Objectives Project description Choice of Technologies Task Assignment Timetable Financial Aspect Calculations
Database Structure Security Aspect Technical Aspect Web Design Demonstration Evolution Assessment
--- LOAN DIRECT ---
Security AspectSecurity Aspect
Access control
Database backup
Firewall
--- LOAN DIRECT ---
Access controlAccess control
User and Password authentication
Grant user privilege
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Backup strategyBackup strategy
The backup system
Full backups & Incremental backups
Tape rotation scheme
--- LOAN DIRECT ---
Three levels protectionThree levels protection
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Firewall ArchitectureFirewall Architecture
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AgendaAgenda
Objectives Project description Choice of Technologies Task Assignment Timetable Financial Aspect Calculations
Database Structure Security Aspect Technical Aspect Web Design Demonstration Evolution Assessment
Technical Aspect-PhpTechnical Aspect-Php
Sessions/DB Connection
Authentification
Validation
Structure
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PHP Lib -SessionsPHP Lib -Sessions
- Need of passing variables from one site to the other
- Set variables called session (identified by SessionID)
CookieUrl
-Fallback solution if (cookie_enabled) cookie
else url
--- LOAN DIRECT ---
SessionClass OverviewSessionClass Overview
Class Ex_CT_Sql extends CtSql{
Var $database_class = „Ex_DB“;}
Ex_Session Ex_CT_Sql Ex_DB
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AuthentificationAuthentification
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 OverviewLoginClass Overview
Uses >
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Validation Validation
Server Side (PHP) Client Side (JavaScript)
Strlen() Ereg() Empty() Email address:
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AgendaAgenda
Objectives Project description Choice of Technologies Task Assignment Timetable Financial Aspect Calculations
Database Structure Security Aspect Technical Aspect Web Design Demonstration Evolution Assessment
--- LOAN DIRECT ---
Web DesignWeb Design
Technical requirementsStructure of the web siteNavigation The questionnaireConveniences for the user
--- LOAN DIRECT ---
Technical requirementsTechnical requirements
Internet Explorer 5.xNetscape 4.7xHTML 4.0CSSJavascript enabledCookies enabled
--- LOAN DIRECT ---
Structure of the web siteStructure of the web site
Home Application Contact us Log in Links Sitemap Your Opinion
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Different users - different siteDifferent 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 siteDifferent users - different site
Navigation for the client
Navigation for the bank clerk
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The questionnaireThe 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 userConveniences for the user
Search facilityPrint buttonsSupport of different languages
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DemonstrationDemonstration
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AgendaAgenda
Objectives Project description Choice of Technologies Task Assignment Timetable Financial Aspect Calculations
Database Structure Security Aspect Technical Aspect Web Design Demonstration Evolution Assessment
--- LOAN DIRECT ---
EvolutionEvolution
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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AssessmentAssessment
Discovering others working methods and their adequacies
Perpetual communication among the various members of the group
A very enriching experiment
--- LOAN DIRECT ---
ThanksThanks
Mrs. Claudia Schremmer
M. Jean-Claude Grattarola
--- LOAN DIRECT ---
Thanks for your attention !
Merci de votre attention !
Danke für Ihre Aufmerksamkeit !
!