CREDIT SCORING ENGINE

CONTENTS

1.ABSTRACT

2. INTRODUCTION

3. DESIGN PRINCIPLES & EXPLANATION

3.1. MODULES

3.2. MODULE DESCRIPTIOIN

4. PROJECT DICTIONARY

4.1. DATAFLOW DIAGRAMS

5. BIBILIOGRAPHY
1.ABSTRACT

Main aim of the project is to develop a system which takes

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

To develop a system which takes some data for validation and

Check validity of data by comparing the data values present in the
Database. The importance of this is to check whether the customer is
in a Position to have credit card. It checks whether the client is
applying for a credit card is under the constraints mentioned for the
credit card to Which he is applying for. In this application there are two
phases. In the first phase, which is discussed about finding the
capabilities of the customer where as the second phase is about the
score card which is giving points to each credit card holder whenever
he does any transaction to it. For each type of transactions different
scores are recorded in the Database. The engine works automatically
whenever a transaction is done by the cardholder and increases his
points. Using this the credit card provider can easily fetch those
customers who are responsible for their credits. By this action the
credit values of each customer increases after obtaining certain points.
Credit card providers for can use this application easy maintenance of
the customers so that neither the customer nor the provider will have
any injustice to their work that they are doing. This application is
developed as a generic application that can be developed for any other
organization.
3. DESIGN PRINCIPLES & EXPLANATION

3.1. MODULES

The project mainly consists of 4 modules.

1.Administrator

2.Manager

3.Official User

4.Applicant (customer)

3.2. MODULE DESCRIPTIOIN

Administrator:
For security purpose administrator gives user id and
passwords to the managers and officials.
Final acceptance for the application is done by
management
Manager:
Creates and manages the card details. He is the one who
decides whether the applicant can be given the appropriate card or
not. Fixes up some rules and regulations. Specifies some constraints.
Official User:
He enters the customer details. Gets the information
about the person gives to the manager. Finally with the permission of
manager grants the card. He is the one who provides the card to the
applicant. He also maintains the credit card transactions.
Applicant:
The person who applies for a credit card and uses it
4. PROJECT DICTIONARY

4.1. DATAFLOW DIAGRAMS

Administrator
Administrator

logi
n

Gives id &
password to D
managers&
officials

Final
acceptance logou
for the t
application
Manager

manager

logi
n

Enters
D customer
details

Logout
 Official

Official

logi
n

Manages D
D Validity
check process

logou
t
 Overview of the project

logi
n

Administrator Official Manager

Assigns Designs
process process

D
Validity Manages
D
check process

D D

logi
n
5. BIBILIOGRAPHY

System analysis and Design

--Senn

Fundamentals of Database Systems

--Elmasri

Software Engineering Concepts

--Robert Pressman

The Java Tutorial Continued

--Tutorial Team

JSP Complete Reference

--Phil Hanna

HTML Black Book

--Steven Holzner