Tarun

ACKNOWLEDGEMENT
As I know hard work brings success, but without any proper guidance it may be out of one’s
reach. So, with reverence and honour I acknowledge all those who helped me in carried out
this work successfully. I would like to extend my gratitude to our respected principal Dr. H.
K Sharma for encouraging and granting permission to take up this project.
I thank my Head of the Department, Department of Computer Science Dr. Vinod N.C,
MCA, M. Phil., PhD. for giving all necessary resources and suggestion during project
development.
I extend my sincere thanks to my guide Dr. C. PARTHIBAN, MCA, M. Phil., B.Ed., Ph.D.
for his valuable advices during my work period. He always has been with me to support and
to guide towards the successfully completion of this project.
Now I grateful for his support and cooperation during the project development. He has been
very supportive and gentle throughout the project and really thankful to him because he gives
all the necessary information and guidance. The staff of my department also helped me in the
completion this project successfully.
Finally, I thank my friends and family who helped me throughout the development of this
project.
1
SYNOPSIS
Computers have become a way of life for today’s high society. Many aspects of modern
life that we have come to accept as common place would not be possible if there were no
computers. Today computers are used extensively in many areas of business, industry,
science, education etc.
The major advantage of computer is its speed that makes it able to give some useful
information very quickly. This speed also opens new approaches to problem solving and
data processing. Another feature is its accuracy. Though the computers do only what is
instructed at every instant, these instructions are taken into account and accurate
information’s are produced. Computer can hold data and instruction in an electronic
representation in internal memory and this data can be retrieved at any time.
The project entitled “Curfew E-Pass Management System” is a software package, which
can be used in curfew for managing the pass of people’ computer efficiently.
Credit Card Application Management System contains data and information of credit
card holder who apply for credit card online. The main purpose of CCAMS is to
systematically record, store and update the details of admin/sub-admin and also manage
the credit card application.
This projects helps to those people who apply credit card online without wasting a time
and also check the application status by their name/mobile number/application number.
In the dynamic landscape of financial services, the Credit Card Application Management
System (CCAMS) emerges as a pivotal solution. This system revolutionizes the
traditional credit card application process by integrating automation and advanced
functionalities.
Gone are the days of cumbersome paperwork and manual processing. With CCAMS,
customers can conveniently submit applications online, while robust document
management ensures secure handling of essential paperwork.
2
The heart of CCAMS lies in its workflow automation capabilities. Applications
seamlessly traverse through various stages, from submission to approval, guided by
customizable criteria and business rules. Real-time credit scoring and risk assessment,
alongside compliance checks, ensure informed decision-making while adhering to
regulatory standards.
Moreover, CCAMS prioritizes customer engagement through automated notifications,

keeping applicants informed at every step of the process. Meanwhile, intuitive
dashboards and analytics empower institutions with actionable insights, facilitating
continuous process optimization.
3
INTRODUCTION
Credit Card Application Management System is a web-based technology the main purpose
this project is to provide all online credit card application management. User can apply credit
card online and check the application status by using his/her name /mobile
number/application number.
In Credit Card Application Management System we use PHP and MySQL database. This is
the project which keeps records of of admin/subadmin and also manage the credit card
application. Credit Card Application Management System has three module i.e. admin, Sub-
Admins and users.
Admin Module
Dashboard: In this section admin can briefly view total number of Subadmins and total
number of new application, accepted application and rejected application.
Subadmins: In this section, admin can manage the Sub-Admins (add/update,Delete).
CC Application: In this section, admin can manage the credit card application and change
the status of application according to current scenario.
Report: In this section, two reports are available.
 B/w Dates Report: Admin can view number of credit card application received in the
particular periods.
 Search Report: admin can search Credit Card Application by using
Name/Email/Mobile Number/Application Number.
Pages: In this Section, Admin can manage the content of about us and contact us page.
Account Settings:
 Profile: In this section admin can update his/her profile.
 Change Password: In this section admin can change his/her own passwords
 Logout: Through this button admin can logout.
Forgot Password: In this section, admin can reset his/her password by using registered email
id and contact number.
4
Sub-Admin Module
Sub-Admin and Admin features are the same except Sub-Admin creation. Sub-Admin can’t
create the Sub-Admins.
Users
User can visit the website.
User apply for credit card online.
Users can check the application status by using application number/name/mobile number.
Purpose:-
The purpose of developing Credit Card Application Management System is to apply credit
card online without wasting a time. Another purpose for developing this application is to
generate the report automatically.
Scope:-
Credit Card Application Management System is developed as a web application and it will
work over web to apply credit card online.
The Credit Card Application Management System (CCAMS) is a comprehensive software

solution designed to automate and streamline the entire credit card application lifecycle. It
encompasses various modules and functionalities to facilitate efficient application processing,
decision-making, and compliance adherence.
Key Features:
Application Submission Portal: A user-friendly portal where customers can submit credit
card applications online, providing necessary personal and financial information securely.
Document Management: A centralized repository for storing and managing application

documents, such as identification proofs, income statements, and consent forms. Integration
with Optical Character Recognition (OCR) technology facilitates automatic extraction of data
from uploaded documents.
Workflow Automation: Automated workflows route applications through different stages of

processing, from initial submission to final approval or rejection. Each stage can be
customized based on predefined criteria and business rules.
5
Credit Scoring and Risk Assessment: Integration with credit bureaus and risk assessment
algorithms enables real-time evaluation of applicants' creditworthiness. This helps in making
informed decisions regarding approval, credit limits, and interest rates.
Regulatory Compliance: Built-in compliance checks ensure adherence to regulatory
requirements, such as Know Your Customer (KYC) and Anti-Money Laundering (AML)
regulations. Audit trails and reporting capabilities provide transparency and accountability.
Communication and Notifications: Automated notifications keep applicants informed about

the status of their applications, reducing the need for manual follow-ups. Notifications can be
sent via email, SMS, or through the application portal.
Dashboard and Analytics: Comprehensive dashboards and reporting tools provide insights
into application metrics, processing times, approval rates, and other key performance
indicators. This enables continuous monitoring and optimization of the application process.
Benefits:
Improved Efficiency: Automation reduces manual effort and processing time, leading to
faster application turnaround times.
Enhanced Customer Experience: A seamless online application process and timely
communication enhance customer satisfaction and loyalty.
Compliance Assurance: Built-in compliance checks mitigate the risk of regulatory
violations and associated penalties.
Data-driven Decision Making: Real-time analytics enable data-driven decision-making,
improving risk management and profitability.
1.1 ABOUT THE ORGANIZATION
Amidst the burgeoning digital landscape of banking in India, one pioneering institution
stands at the forefront, revolutionizing credit card application management through
innovative technologies. This synopsis elucidates how an esteemed online bank in India
strategically integrates a Credit Card Application Management System (CCAMS) to enhance
customer experiences and operational efficiency.
6
At the helm of digital transformation, the organization recognizes the imperative to
streamline credit card application processes to cater to the evolving needs of Indian
consumers. With a strategic vision to harness technology for customer-centric solutions, the
organization embarks on a journey to implement CCAMS.
The deployment of CCAMS represents a watershed moment in the organization's
commitment to digital excellence. Seamlessly integrated into its online banking ecosystem,
CCAMS empowers customers with a user-friendly application portal, enabling hassle-free
submission of credit card applications from the comfort of their homes.
Central to CCAMS is its robust document management system, ensuring the secure handling
and processing of essential documentation. Leveraging advanced encryption technologies, the
organization upholds the highest standards of data security and privacy, instilling trust among
its clientele.
Furthermore, CCAMS automates workflows, expediting application processing while

ensuring compliance with regulatory mandates. Real-time credit scoring and risk assessment
algorithms enable swift and informed decision-making, optimizing approval rates and
mitigating risks.
Driven by a commitment to continuous improvement, the organization harnesses CCAMS'

analytical capabilities to derive actionable insights. Intuitive dashboards and reporting tools
facilitate data-driven optimizations, empowering the organization to stay agile and responsive
to market dynamics.
1.2 OBJECTIVE OF ALL THE PROPOSED SYSTEM
The Credit Card Application Management System (CCAMS) is a comprehensive software

solution designed to automate and streamline the entire credit card application lifecycle. It
encompasses various modules and functionalities to facilitate efficient application processing,
decision-making, and compliance adherence.
Here are the objectives of the proposed Credit Card Application Management System
(CCAMS):
7
Efficiency: Streamline the credit card application process to reduce manual effort, minimize
processing time, and improve overall operational efficiency.
Customer Satisfaction: Enhance the customer experience by providing a seamless, user-
friendly application process, and timely communication regarding application status.
Data Security: Ensure the security and confidentiality of applicant information through
robust data encryption and secure storage measures.
Regulatory Compliance: Ensure compliance with regulatory requirements such as Know
Your Customer (KYC), Anti-Money Laundering (AML), and other relevant regulations to
mitigate risks and maintain legal compliance.
Risk Management: Implement credit scoring models and risk assessment algorithms to
evaluate applicants' creditworthiness accurately, thus minimizing the risk of defaults and
fraud.
Optimized Decision Making: Provide decision-makers with comprehensive data analytics
and reporting tools to make informed decisions regarding credit card approvals, credit limits,
and interest rates.
Process Optimization: Continuously monitor and analyze the credit card application process
to identify bottlenecks, streamline workflows, and optimize resource allocation for improved
efficiency and effectiveness.
Scalability: Design a flexible and scalable system capable of handling fluctuations in
application volumes and accommodating future growth and expansion of the organization's
credit card business.
Integration: Seamlessly integrate CCAMS with existing banking systems and third-party
services to ensure smooth data flow and interoperability across the organization's IT
infrastructure.
Cost Efficiency: Optimize resource utilization and reduce operational costs associated with
manual processing, paper-based documentation, and compliance management through
automation and digitization.
Overall, the objectives of the proposed CCAMS are to enhance operational efficiency,
improve customer satisfaction, ensure data security and regulatory compliance, mitigate risks,
enable informed decision-making, optimize processes, and support the organization's growth
objectives in the credit card business.
8
SYSTEM STUDY
A system study for the Credit Card Application Management System (CCAMS) involves a
comprehensive analysis of various aspects related to the implementation and operation of the
system. Here's an outline of the key components typically covered in a system study:
Current Process Analysis:

 Evaluate the existing credit card application process, including manual procedures,
paperwork requirements, and turnaround times.
 Identify pain points, bottlenecks, and inefficiencies in the current process.
 Analyze data security measures, compliance protocols, and risk management practices
in place.
Stakeholder Requirements Gathering:

 Conduct interviews and workshops with stakeholders, including bank staff,
management, and customers, to gather requirements and expectations for the new
system.
 Identify key functionalities and features desired in the CCAMS to meet the needs of
various stakeholders.
Market Research:
Conduct market research to identify industry best practices, emerging trends, and
technological advancements in credit card application management systems.
Evaluate competitor systems and benchmark against industry standards to identify areas for
improvement and differentiation.
Technical Feasibility Assessment:

 Assess the technical infrastructure and capabilities of the organization to support the
implementation and operation of CCAMS.
 Evaluate compatibility with existing banking systems, databases, and IT
infrastructure.
9
 Determine resource requirements, including hardware, software, and personnel, for
implementing and maintaining the system.
Functional Requirements Specification:

 Define detailed functional requirements for CCAMS based on stakeholder inputs and
industry standards.
 Specify features such as online application portal, document management, workflow
automation, credit scoring, risk assessment, compliance checks, reporting, and
analytics.
Security and Compliance Considerations:

 Identify security requirements to protect sensitive customer information and ensure
compliance with data protection regulations.
 Define access control mechanisms, encryption standards, audit trails, and other
security measures to safeguard data integrity and confidentiality.
Cost-Benefit Analysis:
 Estimate the costs associated with implementing and maintaining CCAMS, including
software licensing fees, hardware procurement, development costs, training, and
ongoing support.
 Conduct a cost-benefit analysis to evaluate the potential return on investment (ROI)
and financial viability of the project.
Implementation Plan:
 Develop a phased implementation plan outlining key milestones, timelines, resource
allocation, and dependencies.
 Identify risks and mitigation strategies to address potential challenges during the
implementation phase.
 Define testing and quality assurance processes to ensure the reliability and
performance of CCAMS.
10
Training and Change Management:
 Develop a training program to educate bank staff on the use of CCAMS and new
processes.
 Implement change management strategies to minimize resistance to change and
facilitate adoption of the new system.
Evaluation and Continuous Improvement:

 Establish metrics and KPIs to measure the effectiveness and performance of CCAMS
post-implementation.
 Conduct regular reviews and assessments to identify opportunities for optimization
and continuous improvement.
 Solicit feedback from stakeholders and customers to inform future enhancements and
updates to the system.
2.1 EXISTING SYSTEM
The existing system for credit card application management in many traditional banks or
financial institutions typically involves manual processes and paper-based documentation.
Here's an overview of the existing system:
Manual Application Submission: Customers typically visit a bank branch or fill out
physical application forms provided by the bank. Alternatively, they may submit applications
through postal mail.
Document Handling: Applicants are required to submit various documents, including

identification proofs, income statements, address proofs, and other supporting documents.
These documents are manually checked, verified, and stored by bank staff.
Manual Data Entry: Bank staff manually enter applicant information into internal systems,
including customer relationship management (CRM) software or spreadsheets. This process
is time-consuming and prone to errors.
11
Manual Review and Decision Making: Credit card applications are manually reviewed by
bank underwriters or credit analysts. They assess the applicant's creditworthiness based on
criteria such as credit history, income, debt-to-income ratio, and other factors.
Compliance Checks: Bank staff manually perform Know Your Customer (KYC) and Anti-
Money Laundering (AML) checks to ensure compliance with regulatory requirements. This
process involves verifying customer identities and screening for suspicious activities.
Approval Process: Once the application is reviewed and assessed, a decision is made
regarding approval, rejection, or further review. This decision is communicated to the
applicant through postal mail or phone calls.
Paper-Based Documentation and Storage: Approved applications are processed further,

and physical credit cards are issued to customers. All application forms, documents, and
related paperwork are stored in physical files or archives.
Limited Automation: Some banks may have limited automation in certain aspects of the
process, such as basic data entry or document scanning. However, overall, the process
remains predominantly manual and paper-based.
Challenges with the Existing System:
High Processing Time: Manual processing leads to longer turnaround times for credit card
applications, resulting in delays for customers.
Error-Prone: Manual data entry and document handling increase the risk of errors and
inaccuracies in applicant information.
Limited Scalability: The manual process may struggle to handle large volumes of credit card
applications efficiently, especially during peak periods.
Compliance Risks: Manual compliance checks may be prone to oversight or human error,
increasing the risk of non-compliance with regulatory requirements.
12
Overall, the existing system for credit card application management in traditional banks is
labor-intensive, inefficient, and prone to errors. There is a clear need for modernization and
automation to streamline processes, enhance efficiency, and improve the overall customer
experience.
2.2 TOOLS AND TECHNIQUES USED TO COMPLETE THE STUDY
To complete a comprehensive study for the topic of credit card application management,
several tools and techniques can be utilized. Here are some commonly used ones:
Interviews and Surveys: Conduct interviews with stakeholders such as bank staff,
management, and customers to gather insights, requirements, pain points, and expectations
regarding the credit card application process.
Questionnaires and Feedback Forms: Distribute questionnaires or feedback forms to

collect quantitative and qualitative data from a wider audience, including customers and
employees.
Process Mapping: Use process mapping techniques such as flowcharts or swimlane

diagrams to visually represent the current credit card application process, including all steps,
decision points, and interactions involved.
Observation: Observe the existing credit card application process in action to understand
workflow dynamics, resource allocation, and areas of inefficiency or bottlenecks.
Document Review: Analyze existing documentation related to credit card application

management, including policies, procedures, forms, and regulatory requirements.
Data Analysis: Perform data analysis on historical application data to identify trends,
patterns, and performance metrics related to application processing times, approval rates, and
customer demographics.
13
SWOT Analysis: Conduct a SWOT (Strengths, Weaknesses, Opportunities, Threats)
analysis to assess the current state of credit card application management, identify areas for
improvement, and evaluate potential risks and opportunities.
Benchmarking: Compare the organization's credit card application process against industry
best practices and benchmarks to identify areas where improvements can be made.
Cost-Benefit Analysis: Evaluate the costs and benefits associated with implementing a new
credit card application management system, including initial investment, ongoing
maintenance, and potential ROI.
Prototyping and Mockups: Develop prototypes or mockups of the proposed system to

visualize and communicate potential features, user interfaces, and workflows to stakeholders.
Risk Assessment: Conduct a risk assessment to identify potential risks and vulnerabilities
associated with the current credit card application process, as well as the proposed changes.
Regulatory Compliance Review: Ensure compliance with relevant regulations and

standards governing credit card application management, such as KYC, AML, PCI-DSS
(Payment Card Industry Data Security Standard), and GDPR (General Data Protection
Regulation).
By employing these tools and techniques, researchers and analysts can gather comprehensive
data, insights, and feedback to inform the study and develop recommendations for improving
credit card application management processes.
14
SYSTEM ANALYSIS
System analysis for the topic of credit card application management involves a thorough
examination of the current system, identification of requirements, and design of the proposed
Credit Card Application Management System (CCAMS).
Here's how the system analysis process might unfold:
Current System Evaluation: Review existing credit card application processes, including
manual procedures, paperwork requirements, and turnaround times.
Requirements Gathering: Conduct interviews, surveys, and workshops with stakeholders to
elicit requirements for the CCAMS.
Use Case Analysis: Develop use cases to describe interactions between users and the
CCAMS, including actors (e.g., applicants, bank staff) and their goals.
Data Flow Analysis: Model data flows within the CCAMS to understand how information
moves through the system.
Process Modeling: Use process modeling techniques such as flowcharts or activity diagrams
to visualize the flow of activities within the CCAMS.
System Architecture Design: Design the architecture of the CCAMS, including hardware,
software, and networking components.
User Interface Design: Develop wireframes or mockups of the CCAMS user interface to
illustrate the layout, navigation, and interaction design.
Security and Compliance Considerations: Identify security requirements and design
measures to protect sensitive data and prevent unauthorized access or breaches.
Risk Assessment: Perform a risk assessment to identify potential risks and vulnerabilities
associated with the CCAMS implementation and operation.
Prototyping and Validation: Develop prototypes or proof-of-concept implementations to
validate the design and functionality of the CCAMS.
15
Analysis:
Customer can apply for credit card and know his eligibility from his own place just by giving
his personal details. Everything comes to his door. Person comes to collect the required
documents.
Disadvantage of present system:
• Not user friendly: The present system not user friendly because data is not stored in
structure and proper format.
• Manual Control: All report calculation is done manually so there is a chance of
error.
• Lots of paper work: Lawyers/Advocates record maintain in the register so lots of
paper require storing details.
• Time consuming
Design Introduction:
Design is the first step in the development phase for any techniques and principles for the
purpose of defining a device, a process or system in sufficient detail to permit its physical
realization.
Once the software requirements have been analyzed and specified the software design
involves three technical activities - design, coding, implementation and testing that are
required to build and verify the software.
The design activities are of main importance in this phase, because in this activity, decisions
ultimately affecting the success of the software implementation and its ease of maintenance
are made. These decisions have the final bearing upon reliability and maintainability of the
system. Design is the only way to accurately translate the customer’s requirements into
finished software or a system.
Design is the place where quality is fostered in development. Software design is a process
through which requirements are translated into a representation of software. Software design
is conducted in two steps. Preliminary design is concerned with the transformation of
requirements into data.
16
UML Diagrams:
Actor:
A coherent set of roles that users of use cases play when interacting with the use
`cases.
Use case: A description of sequence of actions, including variants, that a system performs
that yields an observable result of value of an actor.
UML stands for Unified Modeling Language. UML is a language for specifying, visualizing
and documenting the system. This is the step while developing any product after analysis.
The goal from this is to produce a model of the entities involved in the project which later
need to be built. The representation of the entities that are to be used in the product being
developed need to be designed.
USECASE DIAGRAMS:
Use case diagrams model behavior within a system and helps the developers understand of
what the user require. The stick man represents what’s called an actor.
Use case diagram can be useful for getting an overall view of the system and clarifying who
can do and more importantly what they can’t do.
Use case diagram consists of use cases and actors and shows the interaction between the use
case and actors.
• The purpose is to show the interactions between the use case and actor.
• To represent the system requirements from user’s perspective.
• An actor could be the end-user of the system or an external system.
USECASE DIAGRAM: A Use case is a description of set of sequence of actions.

Graphically it is rendered as an ellipse with solid line including only its name. Use case
diagram is a behavioral diagram that shows a set of use cases and actors and their
relationship. It is an association between the use cases and actors. An actor represents a real-
world object. Primary Actor – Sender, Secondary Actor Receiver.
17
Use Case Diagrams:
Dashboard
Admin
Add Sub admins
Manage Sub admins

(Update, delete)
Manage CC Application
Ad
Search(CC Application)
Ad
Generate Reports
Update Profile
Change Password
Password Recovery
18
Users
Visit Website
Search (CC Application Status)
Apply for Credit card
3.1 PROBLEM ANALYSIS
Problem analysis for credit card application management involves identifying and
understanding the key challenges and issues associated with the current system. Here are
some common problems that organizations may face in this domain:
Manual Processes:
 Problem: The reliance on manual processes for credit card application management
leads to inefficiencies, delays, and errors.
 Impact: Slow processing times, increased labor costs, higher error rates, and poor
customer experience.
Paper-Based Documentation:
 Problem: The use of paper-based documentation for application forms, supporting
documents, and records results in cumbersome paperwork, storage challenges, and
increased risk of data loss or damage.
19
 Impact: Difficulty in managing and tracking documents, delays in application
processing, and increased operational costs.
Limited Visibility and Tracking:

 Problem: Lack of visibility and tracking mechanisms make it difficult for
stakeholders to monitor the status of credit card applications and identify bottlenecks
or issues in the process.
 Impact: Reduced transparency, difficulty in prioritizing tasks, and inability to meet
service level agreements (SLAs) or regulatory deadlines.
Inconsistent Decision Making:

 Problem: Manual decision-making processes may lack consistency and objectivity,
leading to subjective evaluations, biases, and inconsistencies in credit card approval
decisions.
 Impact: Inequitable treatment of applicants, potential legal and compliance risks, and
adverse effects on customer satisfaction and trust.
Compliance Challenges:
 Problem: Ensuring compliance with regulatory requirements such as Know Your
Customer (KYC), Anti-Money Laundering (AML), and data protection laws poses
significant challenges due to manual verification processes and limited audit trails.
 Impact: Regulatory violations, financial penalties, reputational damage, and loss of
customer trust.
Data Security Risks:

 Problem: Manual handling of sensitive applicant information increases the risk of
data breaches, identity theft, and unauthorized access.
 Impact: Compromised customer data, legal liabilities, financial losses, and damage to
brand reputation.
20
Resource Constraints:
 Problem: Limited resources, including staff, time, and technology infrastructure,
constrain the organization's ability to scale and optimize credit card application
management processes.
 Impact: Inefficient resource utilization, inability to meet increasing demand or peak
periods, and missed business opportunities.
Lack of Integration:
 Problem: Disconnected systems and manual data entry lead to siloed information,
duplication of efforts, and difficulty in integrating credit card application management
with other banking processes.
 Impact: Fragmented operations, data inconsistencies, and barriers to implementing
end-to-end automation and digital transformation initiatives.
By conducting a thorough problem analysis, organizations can identify the root causes of
these challenges and develop targeted solutions to address them effectively. This lays the
foundation for designing and implementing a more efficient and streamlined Credit Card
Application Management System (CCAMS).
3.2 FEASIBILITY STUDY
A feasibility study for implementing a Credit Card Application Management System

(CCAMS) involves evaluating the technical, operational, economic, and schedule feasibility
of the project. Here's how each aspect could be analyzed:
Technical Feasibility:
 Assess the organization's existing IT infrastructure, hardware, and software
capabilities to determine if they can support the implementation of CCAMS.
 Evaluate the compatibility of CCAMS with other banking systems and third-party
applications that the organization uses.
 Determine if the required technical expertise is available internally or if external
resources need to be acquired.
21
Operational Feasibility:
 Analyze how CCAMS will integrate with existing business processes and workflows
within the organization.
 Assess the impact of implementing CCAMS on day-to-day operations, including
changes to roles, responsibilities, and workflows for bank staff.
 Consider the organization's readiness for change and the level of support and training
needed to transition to the new system.
Economic Feasibility:
 Estimate the costs associated with implementing CCAMS, including software
licensing fees, hardware procurement, development costs, training, and ongoing
maintenance.
 Calculate the potential return on investment (ROI) by comparing the projected
benefits of CCAMS, such as increased efficiency, reduced processing times, and
improved customer satisfaction, with the implementation costs.
 Conduct a cost-benefit analysis to determine if the benefits outweigh the costs over
the expected lifespan of CCAMS.
Schedule Feasibility:
 Develop a project schedule outlining key milestones, tasks, and dependencies for
implementing CCAMS.
 Assess the organization's ability to meet project deadlines based on available
resources, expertise, and potential risks.
 Consider any regulatory or compliance deadlines that may impact the project timeline
and ensure that CCAMS can be implemented within the required timeframe.
Risk Assessment:
 Identify potential risks and challenges that could impact the feasibility of
implementing CCAMS, such as technical constraints, organizational resistance to
change, or regulatory hurdles.
22
 Develop mitigation strategies and contingency plans to address identified risks and
minimize their impact on the project.
 Evaluate the overall risk level and determine if it is acceptable or if further actions are
needed to mitigate risks effectively.
Alternatives Analysis:
 Consider alternative approaches to addressing the organization's needs, such as
upgrading existing systems, outsourcing certain functions, or using off-the-shelf
solutions.
 Evaluate the pros and cons of each alternative in terms of technical feasibility, cost,
scalability, and alignment with organizational objectives.
 Compare the feasibility of implementing CCAMS with the feasibility of alternative
solutions to determine the most viable option.
3.3 TOOLS AND ENVIRONMENT USED
INTRODUCTION TO PHP:
PHP is a programming language for building dynamic, interactive Web sites. As a general
rule, PHP programs run on a Web server, and serve Web pages to visitor on request. One
of the key features of PHP is that you can embed PHP code within HTML Web pages,
making it very easy for you to create dynamic content quickly. What exactly does the
phrase “dynamic, interactive Web sites “mean? A dynamic Web page is a page whose
contents can change automatically each time the page is viewed. Contrast this with a static
Web page, such as a simple HTML file, which looks the same each time it’s displayed (at
least until the page is next edited). Meanwhile, an interactive Web site is a site that
responds to input from its visitors. A Web forum is a good example — users can post new
messages to the forum, which are then displayed on the site for all to see.
In many ways the PHP language is representative of the stereotypical open source project,
created to meet a developer’s otherwise unmet needs and refined over time to meet the
needs of its growing community. As a budding PHP developer, it’s important you possess
23
some insight into how the language has progressed, because it will help you to understand
the language’s strengths as well as the reasoning behind its occasional idiosyncrasies.
Additionally, because the language is so popular, having some understanding of the

differences between the versions—most notably versions 4, 5, and 6—will help when
evaluating Web hosting providers and PHP-driven applications for your own needs.
PHP 4
In May, 2000, roughly 18 months after the new development effort was officially
underway, PHP 4.0 was released. Many considered the release of PHP 4 to be the
language’s official debut within the enterprise development scene, an opinion backed by
the language’s meteoric rise in popularity. Just a few months after the major release, Net
craft estimated that PHP had been installed on more than 3.6 million domains.
PHP 4 represented a gigantic leap forward in the language’s maturity, offering new
features, power, and scalability that swayed an enormous number of burgeoning and
expert developers alike. Yet the PHP development team wasn’t content to sit on their
hands for long and soon set upon another monumental effort, one that ultimately
established the language as one of the most popular in the world: PHP 5.
PHP 5
Version 5 was yet another watershed in the evolution of the PHP language. Although
previous major releases had enormous numbers of new library additions, version 5
contained improvements over existing functionality and added several features commonly
associated with mature programming language architectures.
PHP 5.3
Although officially a point release, PHP 5.3 is actually the most significant upgrade to the
language since the release of 5.0. Heralding a powerful array of new features including
namespaces, late static binding, lambda functions and closures, a new MySQL driver, and
a variety of syntactical additions such as NOWDOC syntax, version 5.3 represents a
serious step forward in PHP’s evolution. Throughout this book you’ll be introduced to this
compelling set of features.
24
PHP 6
As was mentioned earlier in the chapter, a new major version of PHP known as PHP 6 has
been concurrently developed alongside PHP 5.X for several years, with the primary goal
of adding Unicode support to the language. However, in March, 2010 the development
team decided to primarily focus on the 5.X series of releases. In fact, several features
originally slated for PHP 6 have been integrated into 5.Xreleases. Although PHP 6 beta
releases had previously been made available at http://snaps.php.net, at the time of this
writing it appears as if those releases have been removed from the PHP website.
You’ll find that a great deal has been written about PHP 6 online and elsewhere, and you’ll
even see few programming books reference this forthcoming version within their titles; my
advice is to ignore the matter altogether until the official PHP development team makes
further announcements. So far, this chapter has discussed only version-specific features of
the language.
Each version shares common set of characteristics that play a very important role in
attracting and retaining a large user base. In the next section, you’ll learn about these
foundational features.
INTRODUCTION TO MY SQL:
My SQL is a full featured Relational Database Management System (RDBMS) that offers
variety of administrative tools to ease the burdens of database development, maintenance
and administration. Computer processes data according to a set of instructions. Computers
can possess any kind of data. A database is simply a collection of data put together to
serve a particular purpose. Recording list of information in a database makes it easier to
organize and retrieve it later. Relational database is a database, which use a collection of
tables to represent both the data and the relationship between the data.
There are basically six tools used in MY SQL:

* Enterprise Manager
* Query Analyser
25
* SQL Profiler
* Service Manager
* Data Transformation Services and
* Books Online
Components of MY SQL
* Databases
* Tables
* Queries
* Forms
* Reports
* Data Access Pages
* Macros
* Modules
* Relationship in database
FEATURES OF MY SQL (RDBMS)
MY SQL is one of the leading database management systems (DBMS) because it is the
only Database that meets the uncompromising requirements of today’s most demanding
information systems. From complex decision support systems (DSS) to the most
rigorous online transaction processing (OLTP) application, even application that require
simultaneous DSS and OLTP access to the same critical data, MY SQL leads the
industry in both performance and capability.
My SQL is a truly portable, distributed, and open DBMS that delivers unmatched
performance, continuous operation and support for every database. My SQL RDBMS is
high performance fault tolerant DBMS which is specially designed for online
transactions processing throughput, which are
• The row levels lock manager.
26
ENTERPRISE WIDE DATA SHARING
The unrivalled portability and connectivity of the MY SQL DBMS enables all the
systems in the organizations to be linked into a singular, integrated computing resource.
PORTABILITY
MYSQL is fully portable to more than 80 distinct hardware and operating systems
platforms, including UNIX, MSDOS, OS/2, Macintosh and dozens of proprietary
platforms. This portability gives complete freedom to choose the database server
platform that meets the system requirements.
OPEN SYSTEMS
MY SQL offers a leading implementation of industry standard SQL. SQL open

architecture integrates MY SQL and non MY SQL DBMS with industry’s most
comprehensive collection of tools, application, and third party software products SQL
Server’s Open architecture provides transparent access to data from other relational
database and even non-relational database.
DISTRIBUTED DATA SHARING
MY SQL networking and distributed database capabilities to access data stored on

remote server with the same ease as if the information was stored on a single local
computer. A single SQL statement can access data at multiple sites. You can store data
where requirements such as performance, security or availability dictate.
UNMATCHED PERFORMANCE
The most advanced architecture in the industry allows the MY SQL DBMS to deliver
unmatched performance.
27
SOPHISTICATED CONCURRENCY CONTROL
Real World applications demand access to critical data. With most database Systems
application becomes” contention bound”-which performance is limited not by the CPU
power or by disk I/O, but user waiting on one another for data access. MY SQL employs
full, unrestricted row-level locking and contention free queries to minimize and in many
cases entirely eliminates contention wait times.
NO I/O BOTTLENECKS
SQL fast commit groups commit and deferred write technologies dramatically reduce
disk I/O bottlenecks. While some database write whole data block to disk at commit
time, SQL Server commits transaction with at most sequential log file on disk at
commit time, On high throughput systems, one sequential writes typically group
commit multiple transactions. Data read by the transaction remains as shared memory so
that other transactions may access that data without reading it again from disk. Since
fast commits, when written from memory to disk.
DATA BASE
A database is a collection of information that’s related to a particular subject or purpose,

such as tracking customer orders or maintaining a music collection. Using Microsoft
SQL Server, we can manage all our information from a single database file. Within the
file, we can divide out data into separate storage containers called tables.
There are two types of databases:

• Stand-alone
• Server based
Stand-alone databases can run on a single PC or share data among several users. A few
popular Stand-alone databases are Microsoft Access, Lotus Approach and Coral
Paradox. Server based application store all data on a server, while the application that
access the data reside on the workstations. They can handle massive amounts of data
28
and includes features that workstations. They can handle massive amounts of data and
includes features that make constant multiple-user access fast and reliable.
Tables
A Table is a collection of data about a specific topic, such as products or suppliers

Table’s organized data into columns (called fields) and rows (called records).
Queries
Queries are used to view, change and analyse data in different ways Queries are also
used as the source of records for forms, reports, and data access pages.
Forms
Forms are used for a variety of purpose. Most of the information in a form comes from
an underlying record source. We can create the link between a form and its record
source by using graphical objects called controls.
Reports
A report is an effective way to present our data in a printed format. Most of the
information in a report comes from an underlying table, query and SQL statement, which
is a source of report’s data.
We can create the link between a report and its record source by using graphical objects
called controls. Controls can be text boxes that display data, labels, title or decorative
lines that graphically organize the data and make the report more attractive.
Data Access Pages
A Data Access Page is a special type of web page designed for viewing and working
with data from an Internet or Intranet.
29
Macros
A Macro is a set of one or more action that performs particular operations. Macros can
help us to automate common task. A macro can be one macro composed of a sequence
of actions, or it can be macro-grow.
Modules
A Module is a collection of Visual Basic for application (VBA) declarations and

procedures that are stored together as a unit.
There are two basic types of modules:

* Class Modules
* Standard Modules
Class Modules: Forms and reports modules are class modules that are associated with a
particular form or report. It often contains event procedures that run in response to an
event on the form or report.
Standard Modules: Standard Modules contain general procedures that aren’t associated
with any other object and frequently used procedure that can be seen from anywhere
within your database.
30
3.4 ABOUT THE SOFTWARE
XAMPP (Cross-Platform, Apache, MySQL, PHP):

 Description: XAMPP is a free and open-source cross-platform web server solution
package developed by Apache Friends. It facilitates the development and testing of
web applications on a local machine.
 Usage: XAMPP includes Apache HTTP Server, MySQL database, PHP, and Perl,
providing a complete web server environment. Developers can use XAMPP to set up
a local server environment for developing and testing PHP-based web applications,
including CCAMS.
 Benefits: XAMPP simplifies the process of setting up a local development
environment by bundling essential server components into a single package. It allows
developers to work offline, test applications locally, and troubleshoot issues before
deploying them to a production server.
phpMyAdmin:
 Description: phpMyAdmin is a free and open-source web-based administration tool
for managing MySQL and MariaDB databases. It provides a graphical user interface
(GUI) for performing various database management tasks, such as creating databases,
tables, and executing SQL queries.
 Usage: Developers use phpMyAdmin to interact with the MySQL database that stores
data for the CCAMS. They can create, modify, and delete database tables,
import/export data, run SQL queries, and manage user permissions through the web
interface.
 Benefits: phpMyAdmin simplifies database management tasks, especially for
developers who are not proficient in command-line interfaces. It provides an intuitive
GUI for performing database operations, improving productivity and efficiency in
managing database-related tasks during the development and maintenance of
CCAMS.
31
Google Chrome:
 Description: Google Chrome is a popular web browser developed by Google. It is
known for its speed, simplicity, and support for modern web technologies.
 Usage: Developers and users can use Google Chrome to access and interact with
web-based applications, including CCAMS. They can test the application's
compatibility, performance, and user experience across different browsers and devices
using Chrome's developer tools and extensions.
 Benefits: Google Chrome offers various developer tools, such as the Chrome
Developer Tools (DevTools), which allow developers to inspect, debug, and profile
web applications in real-time. It also supports extensions and plugins that enhance
development workflows, such as JSONView for formatting JSON responses and
EditThisCookie for managing browser cookies during testing.
In summary, XAMPP provides a local server environment for developing and testing PHP-
based web applications like CCAMS, phpMyAdmin facilitates the management of MySQL
databases used by CCAMS, and Google Chrome serves as a web browser for accessing and
testing the application during development and deployment phases. These software tools
collectively contribute to the development, testing, and maintenance of the Credit Card
Application Management System.
32
3.5 HARDWARE CONFIGURATION
HARDWARE REQUIREMENTS:
Processor : Inntel I Core 3 Gen
Processor Speed : 4.0. GHz
RAM : 8GB
Hard Disk : 1TB
SOFTWARE REQUIREMENTS:
Operating System : Windows 11
Front End : PHP
Back End : MySQL
33
SYSTEM DESIGN
System design is like planning and organizing the building of a house. Just like how a
blueprint guides construction workers on where to put walls, doors, and windows, system
design outlines how a computer system will be structured and how its parts will work
together. It involves breaking down the system into smaller pieces, figuring out how they'll
communicate, and making sure everything fits together smoothly. This includes deciding
what the system will look like for users, how data will be stored and managed, and how to
keep everything secure and working smoothly. Ultimately, system design sets the foundation
for creating a computer system that does what it's supposed to do, whether it's managing
credit card applications or any other task.
Designing a Credit Card Application Management System (CCAMS) involves creating a

blueprint for the system architecture, database schema, user interface, and other components.
Here's an outline of the system design for CCAMS:
System Architecture:
 Client-Server Architecture: Adopt a client-server architecture where the client-side
application interacts with the server-side components for processing credit card
applications.
 Layered Architecture: Implement a layered architecture with distinct layers for
presentation (UI), business logic, and data access to ensure modularity and separation
of concerns.
 Scalability: Design the system to be scalable, allowing it to handle varying loads of
credit card applications efficiently.
Database Design:
 Entity-Relationship (ER) Diagram: Create an ER diagram to visualize the database
schema, including entities such as applicants, credit cards, transactions, and related
attributes.
 Normalization: Normalize the database schema to eliminate redundancy and improve
data integrity, adhering to standard normalization forms (e.g., 1NF, 2NF, 3NF).
34
 Indexes and Constraints: Define appropriate indexes and constraints to optimize
database performance and enforce data consistency and integrity.
 Data Access Layer: Implement a data access layer to encapsulate database
interactions and provide a unified interface for accessing and manipulating data.
User Interface Design:

 User Requirements Analysis: Analyze user requirements and personas to design an
intuitive and user-friendly interface that meets the needs of applicants, bank staff, and
administrators.
 Wireframes and Prototypes: Create wireframes and interactive prototypes to
visualize the layout, navigation, and functionality of the user interface before
development.
 Responsive Design: Ensure that the user interface is responsive and accessible across
different devices and screen sizes to provide a consistent experience to users.
Business Logic Layer:

 Credit Card Application Workflow: Define the workflow for processing credit card
applications, including submission, review, approval, and issuance stages, with
decision points and business rules.
 Validation and Business Rules: Implement validation rules and business logic to
ensure data integrity, compliance with regulatory requirements, and consistency in
application processing.
 Integration with External Systems: Integrate with external systems, such as credit
bureaus for credit scoring and verification, to enhance decision-making and automate
data retrieval processes.
Security Considerations:
 Authentication and Authorization: Implement authentication mechanisms, such as
username/password authentication or multi-factor authentication, to verify user
identities.
 Data Encryption: Encrypt sensitive data, such as applicant information and financial
transactions, to protect it from unauthorized access and ensure confidentiality.
35
 Role-Based Access Control (RBAC): Define roles and permissions for different user
types (e.g., applicants, bank staff, administrators) to restrict access to sensitive
functionalities and data.
 Audit Logging: Log user actions, system activities, and security-related events to
track changes, detect suspicious activities, and facilitate forensic analysis in case of
security incidents.
Integration and APIs:

 API Design: Design and document APIs for integrating CCAMS with other systems
and services, enabling seamless data exchange and interoperability.
 RESTful APIs: Implement RESTful APIs with standardized endpoints,
request/response formats, and HTTP methods to facilitate communication between
CCAMS and external clients or systems.
Deployment Strategy:
 Environment Configuration: Configure development, staging, and production
environments for deploying and testing CCAMS in different stages of the software
development lifecycle.
 Continuous Integration/Continuous Deployment (CI/CD): Implement CI/CD
pipelines to automate the build, testing, and deployment processes, ensuring
consistency and reliability in deployment workflows.
 Containerization: Use containerization technologies, such as Docker, to package
CCAMS components and dependencies into lightweight, portable containers for
efficient deployment and scaling.
Monitoring and Maintenance:

 Logging and Monitoring: Set up logging and monitoring systems to track system
performance, identify errors or anomalies, and troubleshoot issues proactively.
 Patch Management: Establish procedures for applying software patches, updates,
and security fixes to keep CCAMS up-to-date and protected against vulnerabilities.
36
 Backup and Disaster Recovery: Implement backup and disaster recovery measures
to ensure data integrity and business continuity in the event of system failures, data
corruption, or other emergencies.
4.1 DATA FLOW DIAGRAM

Data Flow Diagrams
A Data Flow Diagram (DFD) is a traditional visual representation of the information flows
within a system. A neat and clear DFD can depict the right amount of the system requirement
graphically. It can be manual, automated, or a combination of both.
It shows how data enters and leaves the system, what changes the information, and where
data is stored.
The objective of a DFD is to show the scope and boundaries of a system as a whole. It may
be used as a communication tool between a system analyst and any person who plays a part
in the order that acts as a starting point for redesigning a system. The DFD is also called as a
data flow graph or bubble chart.
The following observations about DFDs are essential:

1. All names should be unique. This makes it easier to refer to elements in the DFD.
2. Remember that DFD is not a flow chart. Arrows is a flow chart that represents the
order of events; arrows in DFD represents flowing data. A DFD does not involve any
order of events.
3. Suppress logical decisions. If we ever have the urge to draw a diamond-shaped box in
a DFD, suppress that urge! A diamond-shaped box is used in flow charts to represents
decision points with multiple exists paths of which the only one is taken. This implies
an ordering of events, which makes no sense in a DFD.
4. Do not become bogged down with details. Defer error conditions and error handling
until the end of the analysis.
37
Standard symbols for DFDs are derived from the electric circuit diagram analysis and are
shown in fig:
Circle: A circle (bubble) shows a process that transforms data inputs into data outputs.
Data Flow: A curved line shows the flow of data into or out of a process or data store.
Data Store: A set of parallel lines shows a place for the collection of data items. A data store
indicates that the data is stored which can be used at a later stage or by the other processes in
a different order. The data store can have an element or group of elements.
Source or Sink: Source or Sink is an external entity and acts as a source of system inputs or
sink of system outputs.
38
Zero Level DFD
Login
Management
Authorization Generate Report
Management
Admin
Application Management
Request CCAMS
Management
Sub-Admin
Management
Changing
Password Password
Management Management
39
Changing Password
Application Management
Management
Authorization Sub-Admin
Management Management
Generate Report
Login
Management CCAMS
Search Application
Password
Management
Admin
Management
Application
Management
40
Second Level DFD
Check
Admin Login to Roles of
system access
Manage Sub-
Admin
Manage CC
Application
Forgot Check Search

Password Credential Application
Generate B/w
dates Report
Manage
Modules
Update
Profile
Change
Password
41
Check
Roles of
Sub-Admin Login to access
system
Manage CC
Application
Search
Forgot Check Application
Password Credential
Generate B/w
dates Report
Manage
Modules
Update
Profile
Change
Password
42
4.2 ER DIAGRAM
ER Diagram:
The Entity-Relationship (ER) model was originally proposed by Peter in 1976 [Chen76] as a
way to unify the network and relational database views. Simply stated the ER model is a
conceptual data model that views the real world as entities and relationships. A basic
component of the model is the Entity-Relationship diagram which is used to visually
represent data objects. Since Chen wrote his paper the model has been extended and today it
is commonly used for database design for the database designer, the utility of the ER model
is:
• It maps well to the relational model. The constructs used in the ER model can easily
be transformed into relational tables.
• It is simple and easy to understand with a minimum of training. Therefore, the model
can be used by the database designer to communicate the design to the end user.
• In addition, the model can be used as a design plan by the database developer to
implement a data model in specific database management software.
ER Notation
There is no standard for representing data objects in ER diagrams. Each modeling

methodology uses its own notation. The original notation used by Chen is widely used in
academics texts and journals but rarely seen in either CASE tools or publications by non-
academics. Today, there are a number of notations used; among the more common are
Bachman, crow's foot, and IDEFIX.
All notational styles represent entities as rectangular boxes and relationships as lines
connecting boxes. Each style uses a special set of symbols to represent the cardinality of a
connection. The notation used in this document is from Martin. The symbols used for the
basic ER constructs are:
• Entities are represented by labeled rectangles. The label is the name of the entity.
Entity names should be singular nouns.
• Relationships are represented by a solid line connecting two entities. The name of the
relationship is written above the line. Relationship names should be verbs
43
• Attributes, when included, are listed inside the entity rectangle. Attributes which are
identifiers are underlined. Attribute names should be singular nouns.
• Cardinality of many is represented by a line ending in a crow's foot. If the crow's

foot is omitted, the cardinality is one.
Existence is represented by placing a circle or a perpendicular bar on the line. Mandatory

existence is shown by the bar (looks like a 1) next to the entity for an instance is required.
Optional existence is shown by placing a circle next to the entity that is optional.
44
4.3 INPUT DESIGN
Input design for the Credit Card Application Management System (CCAMS) involves
determining how users will input data and interact with the system. Here's a simplified
breakdown of input design considerations for CCAMS:
User-Friendly Forms: Design intuitive and user-friendly input forms for capturing applicant
information such as personal details, contact information, employment history, and financial
data. Organize fields logically and use clear labels and instructions to guide users through the
form completion process.
Validation Checks: Implement validation checks to ensure the accuracy and integrity of
input data. Validate data formats (e.g., email addresses, phone numbers), range checks (e.g.,
age, income), and consistency checks (e.g., matching passwords). Provide informative error
messages to help users correct any invalid inputs.
Dropdown Menus and Selection Lists: Use dropdown menus, selection lists, and
checkboxes for selecting options that have predefined values, such as credit card types,
income ranges, employment statuses, and address details. This helps standardize inputs and
reduce errors.
Auto-Fill and Auto-Complete: Incorporate auto-fill and auto-complete features to

streamline data entry and minimize manual effort for users. Utilize predictive text input to
suggest or autofill common entries based on previously entered data or predefined options.
File Uploads: Allow users to upload supporting documents required for the credit card
application, such as identification proofs, income statements, and address verifications.
Implement file upload functionality with appropriate file type restrictions, size limits, and
validation checks.
Accessibility Considerations: Ensure that input forms are accessible to users with
disabilities by providing keyboard navigation support, descriptive labels for form elements,
and compatibility with screen readers. Follow accessibility standards and guidelines to make
the CCAMS inclusive for all users.
45
Security Measures: Implement security measures to protect sensitive data entered into the
system. Use encryption for data transmission over insecure networks, employ CAPTCHA or
reCAPTCHA to prevent automated form submissions, and sanitize input to mitigate the risk
of SQL injection and other security vulnerabilities.
Error Handling: Design input forms to handle errors gracefully and provide meaningful
feedback to users in case of validation errors or submission failures. Highlight erroneous
fields, display error messages near the corresponding inputs, and offer suggestions for
resolving issues.
By incorporating these input design principles, the Credit Card Application Management
System (CCAMS) can provide a seamless and user-friendly experience for applicants,
ensuring accurate data entry and efficient processing of credit card applications.
4.4 OUTPUT DESIGN
Output design for the Credit Card Application Management System (CCAMS) involves
determining how information and feedback will be presented to users and stakeholders.
Here's a simplified breakdown of output design considerations for CCAMS:
Application Status Updates:

 Provide applicants with real-time updates on the status of their credit card
applications. Use clear and concise messages to indicate whether the application is
pending review, approved, rejected, or requires further information.
 Implement a dashboard or status tracker where applicants can log in to view the
progress of their applications, including submission date, current status, and any
pending actions.
Approval/Rejection Notifications:
 Send automated notifications to applicants via email or SMS upon approval or
rejection of their credit card applications. Include relevant details such as the reason
for rejection or instructions for activating the approved card.
46
 Design notification templates with personalized messages and branding to enhance
the user experience and maintain professionalism.
Application Summary and Details:

 Generate printable summaries or PDF documents containing a comprehensive
overview of the credit card application details, including applicant information,
supporting documents, credit limit, and terms and conditions.
 Ensure that the application summary is well-organized, easy to understand, and
visually appealing, with relevant sections and headers for different information
categories.
Management Reports and Analytics:

 Provide bank staff and administrators with access to management reports and
analytics dashboards for monitoring and analyzing credit card application data.
 Design reports to present key performance indicators (KPIs), such as application
volume, approval rates, processing times, and demographic trends, in graphical and
tabular formats for easy interpretation.
Compliance and Audit Trails:

 Generate audit trails and compliance reports to track user actions, system activities,
and changes to application statuses or data.
 Include timestamps, user identifiers, and detailed descriptions of each event or
transaction to facilitate regulatory compliance, internal auditing, and troubleshooting.
Customer Support and Help Resources:

 Offer access to customer support resources, such as FAQs, knowledge base articles,
and contact information for customer service representatives, to assist applicants with
inquiries or issues related to their credit card applications.
 Design support materials with clear instructions, relevant links, and search
functionality to help users find answers to their questions quickly and efficiently.
47
Mobile Responsiveness:
 Ensure that output formats and interfaces are responsive and optimized for mobile
devices, allowing users to access application status updates, notifications, and other
information on smartphones and tablets.
 Test output designs across various screen sizes and resolutions to ensure consistent
and user-friendly experiences across desktop and mobile platforms.
By incorporating these output design principles, the Credit Card Application Management
System (CCAMS) can effectively communicate information to applicants, bank staff, and
administrators, facilitating transparency, efficiency, and user satisfaction throughout the
application process.
4.5 DATABASE DESIGN
The data in the system has to be stored and retrieved from database. Designing the database is
part of system design. Data elements and data structures to be stored have been identified at
analysis stage. They are structured and put together to design the data storage and retrieval
system.
A database is a collection of interrelated data stored with minimum redundancy to serve many
users quickly and efficiently. The general objective is to make database access easy, quick,
inexpensive and flexible for the user. Relationships are established between the data items and
unnecessary data items are removed. Normalization is done to get an internal consistency of
data and to have minimum redundancy and maximum stability. This ensures minimizing data
storage required, minimizing chances of data inconsistencies and optimizing for updates. The
MySQL database has been chosen for developing the relevant databases.
48
Admin Table :(Table name is admin)
This table stores admin / Sub-Admins personal and login details.
Credit Card Application Table: (Table name is tblapplication)

This table stores the details of credit card application which is received by users.
49
Page Table: (Table name is tblpage)
This table stores the content of about us and contact us page.
Class Diagram:
A description of set of objects that share the same attributes operations, relationships, and
semantics
50
SAMPLE CODING
About Us Page Coding

<?php
include('includes/dbconnection.php');
session_start();
error_reporting(0);
?>
<!DOCTYPE html>
<html lang="en">

<head>
<title>CCAMS | About Us</title>

<link href="css/bars.css" rel="stylesheet" type="text/css" />
<link rel="stylesheet" href="css/bootstrap.min.css" type="text/css" media="all" />
<link rel="stylesheet" href="css/style.css" type="text/css" media="all" />
<link rel="stylesheet" href="css/font-awesome.css" />


<script type="text/javascript" src="js/jquery-2.1.4.min.js"></script>
<script type="text/javascript" src="js/bootstrap.min.js"></script>


<link
href="//fonts.googleapis.com/css?family=Open+Sans:300,300i,400,400i,600,600i,700,700i,80
0,800i&subset=cyrillic,cyrillic-ext,greek,greek-ext,latin-ext,vietnamese"
rel="stylesheet">
<link href="//fonts.googleapis.com/css?family=Ropa+Sans:400,400i&subset=latin-ext"
rel="stylesheet">


51
<script type="text/javascript">
jQuery(document).ready(function($) {
$(".scroll").click(function(event){
event.preventDefault();
$('html,body').animate({scrollTop:$(this.hash).offset().top},1000);
});
});
</script>

</head>


<body>
<?php include_once('includes/header.php');?>

<div class="banner-main jarallax">


<section class="about" id="about">
<div class="container">
<div class="about-heading">
<h2>About</h2>
</div>
<div class="about-grids">
<div class="col-md-6 about-left">
<img src="images/1.jpg" alt="" />
</div>
<?php
$sql="SELECT * from tblpage where PageType='aboutus'";
$query = $dbh -> prepare($sql);
$query->execute();
$results=$query->fetchAll(PDO::FETCH_OBJ);
52
$cnt=1;
if($query->rowCount() > 0)
{
foreach($results as $row)
{ ?>
<div class="col-md-6 about-right">
<h3><?php echo htmlentities($row->PageTitle);?></h3>
<p><?php echo ($row->PageDescription);?>.</p>
</div><?php $cnt=$cnt+1;}} ?>

<div class="clearfix"></div>
</div>
</div>
</section>

<?php include_once('includes/footer.php');?>
<script src="js/jarallax.js"></script>
<script src="js/SmoothScroll.min.js"></script>
/* init Jarallax */
$('.jarallax').jarallax({
speed: 0.5,
imgWidth: 1366,
imgHeight: 768
})
</script>
<script type="text/javascript" src="js/move-top.js"></script>
53
<script type="text/javascript" src="js/easing.js"></script>


$(document).ready(function() {
/*
var defaults = {
containerID: 'toTop', // fading element id
containerHoverID: 'toTopHover', // fading element hover id
scrollSpeed: 1200,
easingType: 'linear'
};
*/
$().UItoTop({ easingType: 'easeOutQuart' });
});
</script>

<script src="js/bars.js"></script>
</body>

</html>

Profile Page Coding

<?php session_start();
// Database Connection
include('includes/config.php');
//Validating Session
if(strlen($_SESSION['aid'])==0)
{
header('location:index.php');
}
54
else{
// Code for Update Sub Admin Details
if(isset($_POST['update'])){
$fname=$_POST['fullname'];
$email=$_POST['emailid'];
$mobileno=$_POST['mobilenumber'];
$adminid=intval($_SESSION['aid']);
$query=mysqli_query($con,"update tbladmin set
AdminName='$fname',MobileNumber='$mobileno',Email='$email' where ID='$adminid'");
if($query){
echo "<script>alert('Profile details updated successfully.');</script>";
echo "<script type='text/javascript'> document.location = 'profile.php'; </script>";
} else {
echo "<script>alert('Something went wron. Please try again.');</script>";
}
}
?>
<!DOCTYPE html>
<html lang="en">
<head>
<meta charset="utf-8">
<meta name="viewport" content="width=device-width, initial-scale=1">
<title>CCAMS | My Profile</title>


<link rel="stylesheet"
href="https://fonts.googleapis.com/css?family=Source+Sans+Pro:300,400,400i,700&display
=fallback">

<link rel="stylesheet" href="../plugins/fontawesome-free/css/all.min.css">

<link rel="stylesheet" href="../dist/css/adminlte.min.css">

55
</head>
<body class="hold-transition sidebar-mini">
<div class="wrapper">

<?php include_once("includes/navbar.php");?>



<?php include_once("includes/sidebar.php");?>


<div class="content-wrapper">

<section class="content-header">
<div class="container-fluid">
<div class="row mb-2">
<div class="col-sm-6">
<h1>My Profile</h1>
</div>
<ol class="breadcrumb float-sm-right">
<li class="breadcrumb-item"><a href="dashboard.php">Dashboard</a></li>
<li class="breadcrumb-item active">My Profile</li>
</ol>
</div>
</div>
</div>
</section>
<?php
$adminid=intval($_SESSION['aid']);
$query=mysqli_query($con,"select * from tbladmin where ID='$adminid'");
$cnt=1;
56
while($result=mysqli_fetch_array($query)){
?>

<section class="content">
<div class="row">

<div class="col-md-8">

<div class="card card-primary">
<div class="card-header">
<h3 class="card-title">Update the Info</h3>
</div>


<form name="subadmin" method="post">
<div class="card-body">

<div class="form-group">
<label for="exampleInputusername">Username (used for login)</label>
<input type="text" name="sadminusername" id="sadminusername" class="form-
control" value="<?php echo $result['AdminuserName'];?>" readonly>
</div>

<label for="exampleInputFullname">Full Name</label>
<input type="text" class="form-control" id="fullname" name="fullname"
value="<?php echo $result['AdminName'];?>" placeholder="Enter Sub-Admin Full Name"
required>
</div>

<label for="exampleInputEmail1">Email address</label>
57
<input type="email" class="form-control" id="emailid" name="emailid"
placeholder="Enter email" required value="<?php echo $result['Email'];?>">
</div>

<label for="text">Mobile Number</label>
<input type="text" class="form-control" id="mobilenumber"
name="mobilenumber" placeholder="Enter email" pattern="[0-9]{10}" title="10 numeric
characters only" maxlength="10" required value="<?php echo $result['MobileNumber'];?>">
</div>


<label for="text">Registration Date</label>
<input type="text" class="form-control" id="regdate" name="regdate" required
value="<?php echo $result['AdminRegdate'];?>" readonly>
</div>
<?php } ?>
</div>

<div class="card-footer">
<button type="submit" class="btn btn-primary" name="update"
id="update">Update</button>
</div>
</form>
</div>

</div>
58

</div>

</section>

</div>

</div>



<script src="../plugins/jquery/jquery.min.js"></script>

<script src="../plugins/bootstrap/js/bootstrap.bundle.min.js"></script>

<script src="../plugins/bs-custom-file-input/bs-custom-file-input.min.js"></script>

<script src="../dist/js/adminlte.min.js"></script>

<script src="../dist/js/demo.js"></script>

<script>
$(function () {
bsCustomFileInput.init();
});
</script>
</body>
</html>
<?php } ?>
59
Change Password Coding
<?php session_start();
// Database Connection
include('includes/config.php');
//Validating Session
if(strlen($_SESSION['aid'])==0)
{
header('location:index.php');
}
else{
// Code for change Password
if(isset($_POST['change'])){
$admid=$_SESSION['aid'];
$cpassword=md5($_POST['currentpassword']);
$newpassword=md5($_POST['newpassword']);
$query=mysqli_query($con,"select ID from tbladmin where ID='$admid' and
Password='$cpassword'");
$row=mysqli_fetch_array($query);
if($row>0){
$ret=mysqli_query($con,"update tbladmin set Password='$newpassword' where
ID='$admid'");
echo '<script>alert("Your password successully changed.")</script>';
} else {
echo '<script>alert("Your current password is wrong.")</script>';

}
?>
<!DOCTYPE html>
<html lang="en">
60
<head>
<meta charset="utf-8">
<meta name="viewport" content="width=device-width, initial-scale=1">
<title>CCAMS | Change Password</title>


<link rel="stylesheet"
href="https://fonts.googleapis.com/css?family=Source+Sans+Pro:300,400,400i,700&display
=fallback">

<link rel="stylesheet" href="../plugins/fontawesome-free/css/all.min.css">

<link rel="stylesheet" href="../dist/css/adminlte.min.css">

function checkpass()
{
if(document.changepassword.newpassword.value!=document.changepassword.confirmpassw
ord.value)
{
alert('New Password and Confirm Password field does not match');
document.changepassword.confirmpassword.focus();
return false;
}
return true;
}
</script>
</head>
<body class="hold-transition sidebar-mini">
<div class="wrapper">

<?php include_once("includes/navbar.php");?>

61

<?php include_once("includes/sidebar.php");?>


<div class="content-wrapper">

<section class="content-header">
<div class="row mb-2">
<h1>Change Password</h1>
</div>
<ol class="breadcrumb float-sm-right">
<li class="breadcrumb-item"><a href="dashboard.php">Dashboard</a></li>
<li class="breadcrumb-item active">Change Password</li>
</ol>
</div>
</div>
</section>


<section class="content">
<div class="row">

<div class="col-md-8">

<div class="card card-primary">
<div class="card-header">
<h3 class="card-title">Change your Password</h3>
</div>
62


<form method="post" name="changepassword" onsubmit="return checkpass();">
<div class="card-body">


<label for="exampleInputFullname">Current Password</label>
<input class="form-control" id="currentpassword" name="currentpassword"
type="password" required="true">
</div>

<label for="exampleInputEmail1">New Password</label>
<input class="form-control " id="newpassword" type="password" name="newpassword"
required="true">
</div>


<label for="text">Confirm Password</label>
<input class="form-control " id="confirmpassword" type="password"
name="confirmpassword" required="true">
</div>
</div>

<div class="card-footer">
<button type="submit" class="btn btn-primary" name="change"
id="change">Change</button>
</div>
</form>
</div>
63

</div>

</div>

</section>

</div>

</div>



<script src="../plugins/jquery/jquery.min.js"></script>

<script src="../plugins/bootstrap/js/bootstrap.bundle.min.js"></script>

<script src="../plugins/bs-custom-file-input/bs-custom-file-input.min.js"></script>

<script src="../dist/js/adminlte.min.js"></script>

<script src="../dist/js/demo.js"></script>

<script>
$(function () {
bsCustomFileInput.init();
});
</script>
</body>
</html>
<?php } ?>
64
SYSTEM TESTING
After all phase have been perfectly done, the system will be implemented to the server and
the system can be used.
System Testing
The goal of the system testing process was to determine all faults in our project .The program
was subjected to a set of test inputs and many explanations were made and based on these
explanations it will be decided whether the program behaves as expected or not. Our Project
went through two levels of testing
1. Unit testing
2. Integration testing
UNIT TESTING
Unit testing is commenced when a unit has been created and effectively reviewed .In order
to test a single module we need to provide a complete environment i.e. besides the section
we would require
• The procedures belonging to other units that the unit under test calls
• Non local data structures that module accesses
• A procedure to call the functions of the unit under test with appropriate
parameters.
1. Test for the admin module
• Testing admin login form-This form is used for log in of administrator of the
system. In this form we enter the username and password if both are correct
administration page will open otherwise if any of data is wrong it will get redirected
back to the login page and again ask the details.
• Report Generation: admin can generate report from the main database.
65
INTEGRATION TESTING
In the Integration testing we test various combination of the project module by providing the
input.
The primary objective is to test the module interfaces in order to confirm that no errors are
occurring when one module invokes the other module.
66
INPUT AND OUTPUT SCREENS
Home Page
About US Page
67
Contact US Page
Credit Card Check Status Page
68
Admin Login Page
Admin Dashboard
69
Sub Admin Dashboard
Add New Sub Admin Page
70
LIMITATIONS OF THE PROJECT
While a Credit Card Application Management System (CCAMS) offers numerous benefits, it
also has several limitations that should be considered:
Dependency on Internet Connectivity: CCAMS typically relies on internet connectivity for

accessing external services such as credit bureaus for verification purposes. This dependency
may lead to disruptions in service or delays in processing applications if there are network
issues or downtime.
Data Security Concerns: Storing sensitive applicant information, such as personal

identification details and financial records, poses significant security risks. Despite
implementing robust security measures, there is always a risk of data breaches, hacking
attempts, or insider threats, which could compromise the confidentiality and integrity of the
data.
Regulatory Compliance Challenges: CCAMS must comply with various regulations and
standards governing the financial industry, including data protection laws (e.g., GDPR,
CCPA), anti-money laundering (AML) regulations, and Know Your Customer (KYC)
requirements. Adhering to these regulations may require continuous monitoring, updates, and
investments in compliance measures.
Processing Errors and Inaccuracies: Automated decision-making processes within

CCAMS, such as credit scoring algorithms, may sometimes result in errors or inaccuracies.
This could lead to incorrect application approvals or rejections, impacting customer
satisfaction and potentially exposing the bank to legal risks or regulatory fines.
Limited Accessibility: Depending on the design and implementation of the system, CCAMS
may have limited accessibility for certain user groups, such as individuals with disabilities or
those with limited access to digital technologies. Ensuring accessibility for all users may
require additional efforts in user interface design and accommodation measures.
71
Scalability Challenges: As the volume of credit card applications increases, CCAMS may
face scalability challenges in terms of processing capacity, storage requirements, and system
performance. Scaling up the infrastructure and optimizing system architecture may be
necessary to accommodate growing demand and ensure responsive service delivery.
User Adoption and Training Needs: Introducing a new CCAMS may require significant
changes in workflow and processes for bank staff. User adoption challenges and resistance to
change may arise, necessitating comprehensive training programs and user support initiatives
to ensure smooth transition and effective utilization of the system.
Cost and Resource Constraints: Developing, implementing, and maintaining a CCAMS

involves significant costs related to software development, infrastructure deployment,
security measures, and ongoing support and maintenance. Limited financial resources or
budget constraints may hinder the implementation or optimization of the system.
72
FUTURE APPLICATION OF THE PROJECT
The Credit Card Application Management System (CCAMS) has several potential future
applications and enhancements that can further improve its functionality and value:
Integration with AI and Machine Learning: Future iterations of CCAMS can leverage
artificial intelligence (AI) and machine learning (ML) algorithms to enhance credit scoring
models, fraud detection capabilities, and personalized customer experiences. These
technologies can analyze vast amounts of applicant data to make more accurate and efficient
credit decisions and detect suspicious activities in real-time.
Blockchain Technology for Security and Transparency: Implementing blockchain

technology within CCAMS can enhance data security, integrity, and transparency.
Blockchain-based solutions can provide tamper-proof audit trails, streamline data sharing
among stakeholders, and enable secure digital identities, enhancing trust and reducing fraud
in credit card applications and transactions.
Mobile-First Applications: With the increasing use of smartphones and mobile devices,
future versions of CCAMS can prioritize mobile-first design principles. Developing
dedicated mobile applications or optimizing the system for mobile web access can enhance
accessibility, convenience, and user engagement, allowing applicants to submit and track
credit card applications on the go.
Enhanced Customer Self-Service Options: Empowering applicants with self-service

capabilities within CCAMS can improve efficiency and satisfaction. Future enhancements
may include features such as online application status tracking, instant decisioning, document
uploads, and digital signatures, reducing reliance on manual processes and improving overall
user experience.
Personalization and Customer Insights: Leveraging advanced analytics and data mining
techniques within CCAMS can provide deeper insights into applicant behaviors, preferences,
and creditworthiness. By analyzing historical application data and customer interactions,
73
future versions of CCAMS can personalize offers, tailor marketing campaigns, and optimize
credit card product offerings to better meet individual needs.
API Integration for Ecosystem Expansion: Integrating CCAMS with external systems and
APIs can expand its functionality and ecosystem. Future applications may include seamless
integration with credit bureaus, identity verification services, income verification platforms,
and third-party financial management tools, enabling enhanced data exchange and
interoperability.
Voice and Chatbot Interfaces: Incorporating voice recognition and chatbot interfaces within
CCAMS can offer conversational interactions and streamline customer support processes.
Future versions may feature virtual assistants capable of answering applicant queries, guiding
them through the application process, and providing personalized recommendations based on
their needs and preferences.
Continuous Improvement and Feedback Mechanisms: Establishing feedback loops and

mechanisms for continuous improvement is essential for the future evolution of CCAMS.
Collecting user feedback, monitoring system performance, and iterating based on real-world
usage data can drive ongoing enhancements, ensuring that CCAMS remains adaptable,
responsive, and aligned with changing user needs and industry trends.
74
CONCLUSIONS
This Application provides an online version of Credit Card Application Management
System which will benefit the bank firm who want to maintain records of credit card holder
and also help to customer to apply credit card online without wasting a time and apply with
their convenience.
It makes entire process online and can generate reports.
The Application was designed in such a way that future changes can be
done easily. The following conclusions can be deduced from the development of the project.
• Automation of the entire system improves the productivity.

• It provides a friendly graphical user interface which proves to be better when
compared to the existing system.
• It gives appropriate access to the authorized users depending on their
permissions.
• It effectively overcomes the delay in communications.
• Updating of information becomes so easier.
• System security, data security and reliability are the striking features.
• The System has adequate scope for modification in future if it is necessary.
75
BIBLIOGRAPHY
For PHP
• https://www.w3schools.com/php/default.asp
• https://www.sitepoint.com/php/
• https://www.php.net/
For MySQL
• https://www.mysql.com/
• http://www.mysqltutorial.org
For XAMPP
• https://www.apachefriends.org/download.html
76

Tarun

Uploaded by

Copyright:

Available Formats

Tarun

Uploaded by

Document Information

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

Tarun

Uploaded by

Copyright:

Available Formats

ACKNOWLEDGEMENT

Moreover, CCAMS prioritizes customer engagement through automated notifications,

The Credit Card Application Management System (CCAMS) is a comprehensive software

Document Management: A centralized repository for storing and managing application

Workflow Automation: Automated workflows route applications through different stages of

Communication and Notifications: Automated notifications keep applicants informed about

1.1 ABOUT THE ORGANIZATION

Furthermore, CCAMS automates workflows, expediting application processing while

Driven by a commitment to continuous improvement, the organization harnesses CCAMS'

1.2 OBJECTIVE OF ALL THE PROPOSED SYSTEM

The Credit Card Application Management System (CCAMS) is a comprehensive software

Current Process Analysis:

Stakeholder Requirements Gathering:

Technical Feasibility Assessment:

Functional Requirements Specification:

Security and Compliance Considerations:

Evaluation and Continuous Improvement:

2.1 EXISTING SYSTEM

Document Handling: Applicants are required to submit various documents, including

Paper-Based Documentation and Storage: Approved applications are processed further,

Challenges with the Existing System:

2.2 TOOLS AND TECHNIQUES USED TO COMPLETE THE STUDY

Questionnaires and Feedback Forms: Distribute questionnaires or feedback forms to

Process Mapping: Use process mapping techniques such as flowcharts or swimlane

Document Review: Analyze existing documentation related to credit card application

Prototyping and Mockups: Develop prototypes or mockups of the proposed system to

Regulatory Compliance Review: Ensure compliance with relevant regulations and

Here's how the system analysis process might unfold:

USECASE DIAGRAM: A Use case is a description of set of sequence of actions.

Manage Sub admins

Search (CC Application Status)

Apply for Credit card

3.1 PROBLEM ANALYSIS

Limited Visibility and Tracking:

Inconsistent Decision Making:

Data Security Risks:

3.2 FEASIBILITY STUDY

A feasibility study for implementing a Credit Card Application Management System

3.3 TOOLS AND ENVIRONMENT USED

Additionally, because the language is so popular, having some understanding of the

There are basically six tools used in MY SQL:

FEATURES OF MY SQL (RDBMS)

• The row levels lock manager.

MY SQL offers a leading implementation of industry standard SQL. SQL open

DISTRIBUTED DATA SHARING

MY SQL networking and distributed database capabilities to access data stored on

A database is a collection of information that’s related to a particular subject or purpose,

There are two types of databases:

A Table is a collection of data about a specific topic, such as products or suppliers

Data Access Pages

A Module is a collection of Visual Basic for application (VBA) declarations and

There are two basic types of modules:

XAMPP (Cross-Platform, Apache, MySQL, PHP):

Processor : Inntel I Core 3 Gen

Processor Speed : 4.0. GHz

Hard Disk : 1TB

Operating System : Windows 11

Front End : PHP

Back End : MySQL

Designing a Credit Card Application Management System (CCAMS) involves creating a