This document discusses online banking services offered by Indian banks. It begins by providing background on the growth of internet banking and the shift from physical to online models. It then describes the three levels of banking websites - informational, electronic information transfer, and fully transactional. A table compares the features of each level. The document outlines the implementation of websites in India, starting with ICICI Bank in 1996. It discusses the needs for e-banking and advantages/disadvantages. Security measures used by banks are explained, including single, two, and multi-factor authentication methods. The conclusion states that online banking in India is growing and most banks now offer fund transfers, while also needing to improve security.
Hospitals currently use a manual system for visiting Doctor Slip as a token. The current system
requires numerous paper forms, with data stores spread throughout the hospital management infrastructure.
Often information (on forms) is incomplete, or does not follow management standards. Forms are often lost
in transit between departments requiring a comprehensive auditing process to ensure that no vital
information is lost. Multiple copies of the same information exist in the hospital and may lead to
inconsistencies in data in various data stores.
A significant part of the operation of any hospital involves the acquisition, management and timely
retrieval of great volumes of information. This information typically involves; Doctor, Room, Department
and Patient personal Information. All of this information must be managed in an efficient and cost wise
fashion so that an institution's resources may be effectively utilized Hospital E-Token management will
automate the management of the hospital making it more efficient and error free for outdoor patient. It aims
at standardizing data, consolidating data ensuring data integrity and reducing inconsistencies.
Hospitals currently use a manual system for visiting Doctor Slip as a token. The current system
requires numerous paper forms, with data stores spread throughout the hospital management infrastructure.
Often information (on forms) is incomplete, or does not follow management standards. Forms are often lost
in transit between departments requiring a comprehensive auditing process to ensure that no vital
information is lost. Multiple copies of the same information exist in the hospital and may lead to
inconsistencies in data in various data stores.
A significant part of the operation of any hospital involves the acquisition, management and timely
retrieval of great volumes of information. This information typically involves; Doctor, Room, Department
and Patient personal Information. All of this information must be managed in an efficient and cost wise
fashion so that an institution's resources may be effectively utilized Hospital E-Token management will
automate the management of the hospital making it more efficient and error free for outdoor patient. It aims
at standardizing data, consolidating data ensuring data integrity and reducing inconsistencies.
The project “Billing system” is an application to automate the process of ordering
And billing of a restaurant .This application is developed for the established restaurants in the city to manage the billing operations. It has the entire basic module to operate the billing modules. This application also administrates its users and customers.
This project will serve the following objectives:-
• Add and maintain records of available products.
• Add and maintain customer details.
• Add and maintain description of new products.
• Add and maintain admin and employee details.
• Provides a convenient solution of billing pattern.
• Make an easy to use environment for users and customers.
• Create membership for customers.
Core banking chapter 4, benefits of core banking, essential requirements of core banking, suggestions for the co-operative banks to implement core banking system
This study notes will give you the complete knowledge about Centralized Online Real-Time Environment Banking System. From initially required knowledge to like how the bank works with the list of primary operation it also explains the detailed architecture of banking system with all relevant parameters. In addition, it also gives you the detail like audit procedure with relevant controls. Also gives you the required knowledge of IT Act and Cyber Frauds and more.
The project “Billing system” is an application to automate the process of ordering
And billing of a restaurant .This application is developed for the established restaurants in the city to manage the billing operations. It has the entire basic module to operate the billing modules. This application also administrates its users and customers.
This project will serve the following objectives:-
• Add and maintain records of available products.
• Add and maintain customer details.
• Add and maintain description of new products.
• Add and maintain admin and employee details.
• Provides a convenient solution of billing pattern.
• Make an easy to use environment for users and customers.
• Create membership for customers.
Core banking chapter 4, benefits of core banking, essential requirements of core banking, suggestions for the co-operative banks to implement core banking system
This study notes will give you the complete knowledge about Centralized Online Real-Time Environment Banking System. From initially required knowledge to like how the bank works with the list of primary operation it also explains the detailed architecture of banking system with all relevant parameters. In addition, it also gives you the detail like audit procedure with relevant controls. Also gives you the required knowledge of IT Act and Cyber Frauds and more.
Qmagik is an automated customer flow management / queue management system. It is extremely important that the queue management system should be simple and easy to use and maintain. The Queue management system once implemented will be used mostly by the general public who visits the service organization to avail one or the other kind of service Applications of Queue Management Solution software system hospitals-clinic,banks-financial,telecom services,government office in INDIA,DUBAI,UAE,LONDON.
This is a one type of Management Service so customer
can Book Appointment.
Vendor can earn more revenue.
It will increase vendor’s profit .
User can get service without Waiting in Queue.
APPLICATION OF QUEUE MODEL TO ENHANCE BANK SERVICE IN WAITING LINESPavel Islam
. In this slide, queue theory is applied to enhance the service of a bank in lines. For this, firstly a queue model (M/M/C): (GD/∞/∞) is selected to find out efficiency of the servers, number of service facilities, when (days of the week) customers can typically be expected to arrive,amount of time customers has to spend to get the desired service, length of the queue, how much time the customers have to wait before the service starts, how much time the customers have to wait in the bank, human psychology (frustration). After that, the optimal number of counter is calculated to improve the operational efficiency. At last, we calculate the optimal service rate and service efficiency.
To increase the security of mobile payments, many payment schemes nowadays apply a technology called tokenization.
Tokenization is the process of replacing an existing payment card number with a surrogate value (token).
This token is used during a payment transaction, keeping the original card number safe.
A Token Service Provider (TSP) is an entity within the payments ecosystem that generates and manages tokens.
The TSP maps the original card number with the payment tokens and stores this safely in a token vault.
Often these tokens can only be used in a specific domain such as a merchant’s online website or channel, limiting the risk even further.
A TSP manages the entire lifecycle of payment credentials including: Token Requestor Authorization Host
1. Tokenization: Replaces the PAN with a payment token.
2. De-tokenization: Converts the token back to the PAN using the token vault.
3. Token vault: Establishes and maintains the payment token to PAN mapping.
4. Domain management: Adds additional security by restricting tokens to be used within specific (retail) channels or domains.
5. Identification and verification: Ensures that the payment token is replacing a PAN that was legitimately used by the token requestor.
6. Clearing and settlement: Ad-hoc de-tokenization during clearing and settlement process.
Issuers, acquirers and merchants that wish to offer mobile and/or digital payments to customers can become a TSP.
Becoming your own TSP gives full control over the tokenization process: creation, storage, issuance and management.
By having your own TSP, you are in full control of digital payments by issuing tokens directly without third party intervention.
By using a third party TSP from the payment schemes, issuers need to integrate with each payment scheme.
Benefits of having you own TSP:
1. Reduce long term costs: no additional TSP fees from the payment schemes.
2. On-us transactions: save on transaction fees when you are the issuing as well as the acquiring bank.
3. Banks retain their privacy because data and roadmaps do not have to be shared with the schemes.
4. Keep track of customer payment behavior to gain valuable insight and be able to offer personalized services.
5. Expand to multiple use cases. Host Card Emulation Embedded SE Internet: Card-Not-Present Value added services / non-card payments
6. Have your own strategy and be future proof in order to stay competitive.
Bell ID® Token Service Provider enables issuers and processors to perform the role of a Token Service Provider.
This slideshow presentation offers top practices and compares technologies that can help you better manage your queue. You’ll discover how companies across industries – from transportation to retail to amusement parks – are using intelligent queue management and learn how to build a business case for your own adoption of technology.
The current Domino's menu features a variety of Italian-American entrees and side dishes. Pizza is the primary focus, with traditional, specialty and custom pizzas available in a variety of crust styles and toppings. In 2011 Dominos launced Artisan style pizzas that offer a base blend of rich flavors to compliment chef inspired toppings. Additional entrees include pasta, bread bowls and oven-baked sandwiches. The menu offers chicken side dishes, breadsticks, as well as beverages and desserts.
E-Banking is one of the latest approaches to provide
comfort to the client regarding monetary transactions. Through
E-Banking the bank wants to introduce the core concept of IT
based Enabled Services (ITES). The major idea is to provide a
series of services to the customer through the internet, and make
the customer feel flexible in calling out simple tasks faster instead
of making visit to the bank every time. Today, one of the surest
most comfortable and less risk oriented faced by banking sectors
the application of electronic commerce. E-banking is considered
to have a substantial impact on banks’ performance. The main
reason behind this success is the numerous benefits it can
provide, both to the banks and to customers of financial services.
For customers it can provide a greater choice in terms of the
channels they can use to conduct their business, and convenience
in terms of when and where they can use E-banking. More and
more people are adapting to this technique and the banking
industry is bound to grow. The evolution of electronic banking
started with the use of automatic teller machines and has
included telephone banking, direct bill payment, electronic fund
transfer and online banking. This research shows that the
application of e-banking can help their local banks reduce
operating costs and provide a better and fast service to their
customer. It provides an insight into various aspect of E-banking.
E-Banking System: Opportunities and Challenges – A StudyRHIMRJ Journal
E-Banking Service in India is still in the emerging stages of growth and development. Competition and changes in
technology have changed the face of Banking. The changes that have taken place impose on banks tough standards of
competition and compliance. E-banking is the use of computer system to retrieve and process banking data and information to
initiate transactions directly with a bank via a telecommunication network. In other words-banking is the wave of future. E
Banking is likely to bring golden opportunities as well as poses new challenges for authorities in regulating and supervising
the financial system and in designing and implementing the macroeconomic policy. This research paper aims to represent EBanking
System in India.
THIS EXPLAINS THE INTERNET BANKING AND ITS JOURNEY IN INDIA, BENEFITS OF INTERNET BANKING, OBJECTIVES OF INTERNET BANKING IN INDIA, INTERNET BANKING BOOM, PROCESS OF INTERNET BANKING
Financial services industry is developing due to the introduction of internet, rapid technological evolutions, deregulation, globalization as well as the impact of changing competitive and regulatory forces. So Financial system plays an important role in the economic development of the country. Because of the advent of information technology there is a change in the banking sector which has paved way for the introduction of retail electronic payment system and has progressed in the recent years in various countries and India has left no way behind. The objective of the paper is to examine and analyze the progress made by the internet banking in India. Bhawna Bhelly | Dr Sunil "Growth of E-Banking in India" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-3 | Issue-5 , August 2019, URL: https://www.ijtsrd.com/papers/ijtsrd25082.pdfPaper URL: https://www.ijtsrd.com/management/accounting-and-finance/25082/growth-of-e-banking-in-india/bhawna-bhelly
Use of technologies in the banking sector of BangladeshMasum Hussain
Among the financial service industry, the banking sector was one of the first to embrace rapid globalization and benefits significantly from technology development. The technological revolution in banking started in the 1950s, with the installation of the first automated bookkeeping machines at banks. This was well before the other industries became tech savvy. The first Automated Teller Machine (ATM) is reported to have been introduced in the USA in 1968 with only a cash dispenser. Automation in banking have become widespread over the past few decades as banks quickly realized that much of their labor intensive information-handling processes could be automated the use of computers. Against this background the paper examines the technology driven banking services reference to the present and future of Technology driven banking in Bangladesh.
Mechanical properties of hybrid fiber reinforced concrete for pavementseSAT Journals
Abstract
The effect of addition of mono fibers and hybrid fibers on the mechanical properties of concrete mixture is studied in the present
investigation. Steel fibers of 1% and polypropylene fibers 0.036% were added individually to the concrete mixture as mono fibers and
then they were added together to form a hybrid fiber reinforced concrete. Mechanical properties such as compressive, split tensile and
flexural strength were determined. The results show that hybrid fibers improve the compressive strength marginally as compared to
mono fibers. Whereas, hybridization improves split tensile strength and flexural strength noticeably.
Keywords:-Hybridization, mono fibers, steel fiber, polypropylene fiber, Improvement in mechanical properties.
Material management in construction – a case studyeSAT Journals
Abstract
The objective of the present study is to understand about all the problems occurring in the company because of improper application
of material management. In construction project operation, often there is a project cost variance in terms of the material, equipments,
manpower, subcontractor, overhead cost, and general condition. Material is the main component in construction projects. Therefore,
if the material management is not properly managed it will create a project cost variance. Project cost can be controlled by taking
corrective actions towards the cost variance. Therefore a methodology is used to diagnose and evaluate the procurement process
involved in material management and launch a continuous improvement was developed and applied. A thorough study was carried
out along with study of cases, surveys and interviews to professionals involved in this area. As a result, a methodology for diagnosis
and improvement was proposed and tested in selected projects. The results obtained show that the main problem of procurement is
related to schedule delays and lack of specified quality for the project. To prevent this situation it is often necessary to dedicate
important resources like money, personnel, time, etc. To monitor and control the process. A great potential for improvement was
detected if state of the art technologies such as, electronic mail, electronic data interchange (EDI), and analysis were applied to the
procurement process. These helped to eliminate the root causes for many types of problems that were detected.
Managing drought short term strategies in semi arid regions a case studyeSAT Journals
Abstract
Drought management needs multidisciplinary action. Interdisciplinary efforts among the experts in various fields of the droughts
prone areas are helpful to achieve tangible and permanent solution for this recurring problem. The Gulbarga district having the total
area around 16, 240 sq.km, and accounts 8.45 per cent of the Karnataka state area. The district has been situated with latitude 17º 19'
60" North and longitude of 76 º 49' 60" east. The district is situated entirely on the Deccan plateau positioned at a height of 300 to
750 m above MSL. Sub-tropical, semi-arid type is one among the drought prone districts of Karnataka State. The drought
management is very important for a district like Gulbarga. In this paper various short term strategies are discussed to mitigate the
drought condition in the district.
Keywords: Drought, South-West monsoon, Semi-Arid, Rainfall, Strategies etc.
Life cycle cost analysis of overlay for an urban road in bangaloreeSAT Journals
Abstract
Pavements are subjected to severe condition of stresses and weathering effects from the day they are constructed and opened to traffic
mainly due to its fatigue behavior and environmental effects. Therefore, pavement rehabilitation is one of the most important
components of entire road systems. This paper highlights the design of concrete pavement with added mono fibers like polypropylene,
steel and hybrid fibres for a widened portion of existing concrete pavement and various overlay alternatives for an existing
bituminous pavement in an urban road in Bangalore. Along with this, Life cycle cost analyses at these sections are done by Net
Present Value (NPV) method to identify the most feasible option. The results show that though the initial cost of construction of
concrete overlay is high, over a period of time it prove to be better than the bituminous overlay considering the whole life cycle cost.
The economic analysis also indicates that, out of the three fibre options, hybrid reinforced concrete would be economical without
compromising the performance of the pavement.
Keywords: - Fatigue, Life cycle cost analysis, Net Present Value method, Overlay, Rehabilitation
Laboratory studies of dense bituminous mixes ii with reclaimed asphalt materialseSAT Journals
Abstract
The issue of growing demand on our nation’s roadways over that past couple of decades, decreasing budgetary funds, and the need to
provide a safe, efficient, and cost effective roadway system has led to a dramatic increase in the need to rehabilitate our existing
pavements and the issue of building sustainable road infrastructure in India. With these emergency of the mentioned needs and this
are today’s burning issue and has become the purpose of the study.
In the present study, the samples of existing bituminous layer materials were collected from NH-48(Devahalli to Hassan) site.The
mixtures were designed by Marshall Method as per Asphalt institute (MS-II) at 20% and 30% Reclaimed Asphalt Pavement (RAP).
RAP material was blended with virgin aggregate such that all specimens tested for the, Dense Bituminous Macadam-II (DBM-II)
gradation as per Ministry of Roads, Transport, and Highways (MoRT&H) and cost analysis were carried out to know the economics.
Laboratory results and analysis showed the use of recycled materials showed significant variability in Marshall Stability, and the
variability increased with the increase in RAP content. The saving can be realized from utilization of recycled materials as per the
methodology, the reduction in the total cost is 19%, 30%, comparing with the virgin mixes.
Keywords: Reclaimed Asphalt Pavement, Marshall Stability, MS-II, Dense Bituminous Macadam-II
Laboratory investigation of expansive soil stabilized with natural inorganic ...eSAT Journals
Abstract
Soil stabilization has proven to be one of the oldest techniques to improve the soil properties. Literature review conducted revealed
that uses of natural inorganic stabilizers are found to be one of the best options for soil stabilization. In this regard an attempt has
been made to evaluate the influence of RBI-81 stabilizer on properties of black cotton soil through laboratory investigations. Black
cotton soil with varying percentages of RBI-81 viz., 0, 0.5, 1, 1.5, 2, and 2.5 percent were studied for moisture density relationships
and strength behaviour of soils. Also the effect of curing period was evaluated as literature review clearly emphasized the strength
gain of soils stabilized with RBI-81 over a period of time. The results obtained shows that the unconfined compressive strength of
specimens treated with RBI-81 increased approximately by 250% for a curing period of 28 days as compared to virgin soil. Further
the CBR value improved approximately by 400%. The studies indicated an increasing trend for soil strength behaviour with
increasing percentage of RBI-81 suggesting its potential applications in soil stabilization.
Influence of reinforcement on the behavior of hollow concrete block masonry p...eSAT Journals
Abstract
Reinforced masonry was developed to exploit the strength potential of masonry and to solve its lack of tensile strength. Experimental
and analytical studies have been carried out to investigate the effect of reinforcement on the behavior of hollow concrete block
masonry prisms under compression and to predict ultimate failure compressive strength. In the numerical program, three dimensional
non-linear finite elements (FE) model based on the micro-modeling approach is developed for both unreinforced and reinforced
masonry prisms using ANSYS (14.5). The proposed FE model uses multi-linear stress-strain relationships to model the non-linear
behavior of hollow concrete block, mortar, and grout. Willam-Warnke’s five parameter failure theory has been adopted to model the
failure of masonry materials. The comparison of the numerical and experimental results indicates that the FE models can successfully
capture the highly nonlinear behavior of the physical specimens and accurately predict their strength and failure mechanisms.
Keywords: Structural masonry, Hollow concrete block prism, grout, Compression failure, Finite element method,
Numerical modeling.
Influence of compaction energy on soil stabilized with chemical stabilizereSAT Journals
Abstract
Increase in traffic along with heavier magnitude of wheel loads cause rapid deterioration in pavements. There is a need to improve
density, strength of soil subgrade and other pavement layers. In this study an attempt is made to improve the properties of locally
available loamy soil using twin approaches viz., i) increasing the compaction of soil and ii) treating the soil with chemical stabilizer.
Laboratory studies are carried out on both untreated and treated soil samples compacted by different compaction efforts. Studies
show that increase in compaction effort results in increase in density of soil. However in soil treated with chemical stabilizer, rate of
increase in density is not significant. The soil treated with chemical stabilizer exhibits improvement in both strength and performance
properties.
Keywords: compaction, density, subgradestabilization, resilient modulus
Geographical information system (gis) for water resources managementeSAT Journals
Abstract
Water resources projects are inherited with overlapping and at times conflicting objectives. These projects are often of varied sizes
ranging from major projects with command areas of millions of hectares to very small projects implemented at the local level. Thus,
in all these projects there is seldom proper coordination which is essential for ensuring collective sustainability.
Integrated watershed development and management is the accepted answer but in turn requires a comprehensive framework that can
enable planning process involving all the stakeholders at different levels and scales is compulsory. Such a unified hydrological
framework is essential to evaluate the cause and effect of all the proposed actions within the drainage basins.
The present paper describes a hydrological framework developed in the form of a Hydrologic Information System (HIS) which is
intended to meet the specific information needs of the various line departments of a typical State connected with water related aspects.
The HIS consist of a hydrologic information database coupled with tools for collating primary and secondary data and tools for
analyzing and visualizing the data and information. The HIS also incorporates hydrological model base for indirect assessment of
various entities of water balance in space and time. The framework would be maintained and updated to reflect fully the most
accurate ground truth data and the infrastructure requirements for planning and management.
Keywords: Hydrological Information System (HIS); WebGIS; Data Model; Web Mapping Services
Forest type mapping of bidar forest division, karnataka using geoinformatics ...eSAT Journals
Abstract
The study demonstrate the potentiality of satellite remote sensing technique for the generation of baseline information on forest types
including tree plantation details in Bidar forest division, Karnataka covering an area of 5814.60Sq.Kms. The Total Area of Bidar
forest division is 5814Sq.Kms analysis of the satellite data in the study area reveals that about 84% of the total area is Covered by
crop land, 1.778% of the area is covered by dry deciduous forest, 1.38 % of mixed plantation, which is very threatening to the
environmental stability of the forest, future plantation site has been mapped. With the use of latest Geo-informatics technology proper
and exact condition of the trees can be observed and necessary precautions can be taken for future plantation works in an appropriate
manner
Keywords:-RS, GIS, GPS, Forest Type, Tree Plantation
Factors influencing compressive strength of geopolymer concreteeSAT Journals
Abstract
To study effects of several factors on the properties of fly ash based geopolymer concrete on the compressive strength and also the
cost comparison with the normal concrete. The test variables were molarities of sodium hydroxide(NaOH) 8M,14M and 16M, ratio of
NaOH to sodium silicate (Na2SiO3) 1, 1.5, 2 and 2.5, alkaline liquid to fly ash ratio 0.35 and 0.40 and replacement of water in
Na2SiO3 solution by 10%, 20% and 30% were used in the present study. The test results indicated that the highest compressive
strength 54 MPa was observed for 16M of NaOH, ratio of NaOH to Na2SiO3 2.5 and alkaline liquid to fly ash ratio of 0.35. Lowest
compressive strength of 27 MPa was observed for 8M of NaOH, ratio of NaOH to Na2SiO3 is 1 and alkaline liquid to fly ash ratio of
0.40. Alkaline liquid to fly ash ratio of 0.35, water replacement of 10% and 30% for 8 and 16 molarity of NaOH and has resulted in
compressive strength of 36 MPa and 20 MPa respectively. Superplasticiser dosage of 2 % by weight of fly ash has given higher
strength in all cases.
Keywords: compressive strength, alkaline liquid, fly ash
Experimental investigation on circular hollow steel columns in filled with li...eSAT Journals
Abstract
Composite Circular hollow Steel tubes with and without GFRP infill for three different grades of Light weight concrete are tested for
ultimate load capacity and axial shortening , under Cyclic loading. Steel tubes are compared for different lengths, cross sections and
thickness. Specimens were tested separately after adopting Taguchi’s L9 (Latin Squares) Orthogonal array in order to save the initial
experimental cost on number of specimens and experimental duration. Analysis was carried out using ANN (Artificial Neural
Network) technique with the assistance of Mini Tab- a statistical soft tool. Comparison for predicted, experimental & ANN output is
obtained from linear regression plots. From this research study, it can be concluded that *Cross sectional area of steel tube has most
significant effect on ultimate load carrying capacity, *as length of steel tube increased- load carrying capacity decreased & *ANN
modeling predicted acceptable results. Thus ANN tool can be utilized for predicting ultimate load carrying capacity for composite
columns.
Keywords: Light weight concrete, GFRP, Artificial Neural Network, Linear Regression, Back propagation, orthogonal
Array, Latin Squares
Experimental behavior of circular hsscfrc filled steel tubular columns under ...eSAT Journals
Abstract
This paper presents an outlook on experimental behavior and a comparison with predicted formula on the behaviour of circular
concentrically loaded self-consolidating fibre reinforced concrete filled steel tube columns (HSSCFRC). Forty-five specimens were
tested. The main parameters varied in the tests are: (1) percentage of fiber (2) tube diameter or width to wall thickness ratio (D/t
from 15 to 25) (3) L/d ratio from 2.97 to 7.04 the results from these predictions were compared with the experimental data. The
experimental results) were also validated in this study.
Keywords: Self-compacting concrete; Concrete-filled steel tube; axial load behavior; Ultimate capacity.
Evaluation of punching shear in flat slabseSAT Journals
Abstract
Flat-slab construction has been widely used in construction today because of many advantages that it offers. The basic philosophy in
the design of flat slab is to consider only gravity forces; this method ignores the effect of punching shear due to unbalanced moments
at the slab column junction which is critical. An attempt has been made to generate generalized design sheets which accounts both
punching shear due to gravity loads and unbalanced moments for cases (a) interior column; (b) edge column (bending perpendicular
to shorter edge); (c) edge column (bending parallel to shorter edge); (d) corner column. These design sheets are prepared as per
codal provisions of IS 456-2000. These design sheets will be helpful in calculating the shear reinforcement to be provided at the
critical section which is ignored in many design offices. Apart from its usefulness in evaluating punching shear and the necessary
shear reinforcement, the design sheets developed will enable the designer to fix the depth of flat slab during the initial phase of the
design.
Keywords: Flat slabs, punching shear, unbalanced moment.
Evaluation of performance of intake tower dam for recent earthquake in indiaeSAT Journals
Abstract
Intake towers are typically tall, hollow, reinforced concrete structures and form entrance to reservoir outlet works. A parametric
study on dynamic behavior of circular cylindrical towers can be carried out to study the effect of depth of submergence, wall thickness
and slenderness ratio, and also effect on tower considering dynamic analysis for time history function of different soil condition and
by Goyal and Chopra accounting interaction effects of added hydrodynamic mass of surrounding and inside water in intake tower of
dam
Key words: Hydrodynamic mass, Depth of submergence, Reservoir, Time history analysis,
Evaluation of operational efficiency of urban road network using travel time ...eSAT Journals
Abstract
Efficiency of the road network system is analyzed by travel time reliability measures. The study overlooks on an important measure of
travel time reliability and prioritizing Tiruchirappalli road network. Traffic volume and travel time were collected using license plate
matching method. Travel time measures were estimated from average travel time and 95th travel time. Effect of non-motorized vehicle
on efficiency of road system was evaluated. Relation between buffer time index and traffic volume was created. Travel time model has
been developed and travel time measure was validated. Then service quality of road sections in network were graded based on
travel time reliability measures.
Keywords: Buffer Time Index (BTI); Average Travel Time (ATT); Travel Time Reliability (TTR); Buffer Time (BT).
Estimation of surface runoff in nallur amanikere watershed using scs cn methodeSAT Journals
Abstract
The development of watershed aims at productive utilization of all the available natural resources in the entire area extending from
ridge line to stream outlet. The per capita availability of land for cultivation has been decreasing over the years. Therefore, water and
the related land resources must be developed, utilized and managed in an integrated and comprehensive manner. Remote sensing and
GIS techniques are being increasingly used for planning, management and development of natural resources. The study area, Nallur
Amanikere watershed geographically lies between 110 38’ and 110 52’ N latitude and 760 30’ and 760 50’ E longitude with an area of
415.68 Sq. km. The thematic layers such as land use/land cover and soil maps were derived from remotely sensed data and overlayed
through ArcGIS software to assign the curve number on polygon wise. The daily rainfall data of six rain gauge stations in and around
the watershed (2001-2011) was used to estimate the daily runoff from the watershed using Soil Conservation Service - Curve Number
(SCS-CN) method. The runoff estimated from the SCS-CN model was then used to know the variation of runoff potential with different
land use/land cover and with different soil conditions.
Keywords: Watershed, Nallur watershed, Surface runoff, Rainfall-Runoff, SCS-CN, Remote Sensing, GIS.
Estimation of morphometric parameters and runoff using rs & gis techniqueseSAT Journals
Abstract
Land and water are the two vital natural resources, the optimal management of these resources with minimum adverse environmental
impact are essential not only for sustainable development but also for human survival. Satellite remote sensing with geographic
information system has a pragmatic approach to map and generate spatial input layers of predicting response behavior and yield of
watershed. Hence, in the present study an attempt has been made to understand the hydrological process of the catchment at the
watershed level by drawing the inferences from moprhometric analysis and runoff. The study area chosen for the present study is
Yagachi catchment situated in Chickamaglur and Hassan district lies geographically at a longitude 75⁰52’08.77”E and
13⁰10’50.77”N latitude. It covers an area of 559.493 Sq.km. Morphometric analysis is carried out to estimate morphometric
parameters at Micro-watershed to understand the hydrological response of the catchment at the Micro-watershed level. Daily runoff
is estimated using USDA SCS curve number model for a period of 10 years from 2001 to 2010. The rainfall runoff relationship of the
study shows there is a positive correlation.
Keywords: morphometric analysis, runoff, remote sensing and GIS, SCS - method
-
Effect of variation of plastic hinge length on the results of non linear anal...eSAT Journals
Abstract The nonlinear Static procedure also well known as pushover analysis is method where in monotonically increasing loads are applied to the structure till the structure is unable to resist any further load. It is a popular tool for seismic performance evaluation of existing and new structures. In literature lot of research has been carried out on conventional pushover analysis and after knowing deficiency efforts have been made to improve it. But actual test results to verify the analytically obtained pushover results are rarely available. It has been found that some amount of variation is always expected to exist in seismic demand prediction of pushover analysis. Initial study is carried out by considering user defined hinge properties and default hinge length. Attempt is being made to assess the variation of pushover analysis results by considering user defined hinge properties and various hinge length formulations available in literature and results compared with experimentally obtained results based on test carried out on a G+2 storied RCC framed structure. For the present study two geometric models viz bare frame and rigid frame model is considered and it is found that the results of pushover analysis are very sensitive to geometric model and hinge length adopted. Keywords: Pushover analysis, Base shear, Displacement, hinge length, moment curvature analysis
Effect of use of recycled materials on indirect tensile strength of asphalt c...eSAT Journals
Abstract
Depletion of natural resources and aggregate quarries for the road construction is a serious problem to procure materials. Hence
recycling or reuse of material is beneficial. On emphasizing development in sustainable construction in the present era, recycling of
asphalt pavements is one of the effective and proven rehabilitation processes. For the laboratory investigations reclaimed asphalt
pavement (RAP) from NH-4 and crumb rubber modified binder (CRMB-55) was used. Foundry waste was used as a replacement to
conventional filler. Laboratory tests were conducted on asphalt concrete mixes with 30, 40, 50, and 60 percent replacement with RAP.
These test results were compared with conventional mixes and asphalt concrete mixes with complete binder extracted RAP
aggregates. Mix design was carried out by Marshall Method. The Marshall Tests indicated highest stability values for asphalt
concrete (AC) mixes with 60% RAP. The optimum binder content (OBC) decreased with increased in RAP in AC mixes. The Indirect
Tensile Strength (ITS) for AC mixes with RAP also was found to be higher when compared to conventional AC mixes at 300C.
Keywords: Reclaimed asphalt pavement, Foundry waste, Recycling, Marshall Stability, Indirect tensile strength.
Hybrid optimization of pumped hydro system and solar- Engr. Abdul-Azeez.pdffxintegritypublishin
Advancements in technology unveil a myriad of electrical and electronic breakthroughs geared towards efficiently harnessing limited resources to meet human energy demands. The optimization of hybrid solar PV panels and pumped hydro energy supply systems plays a pivotal role in utilizing natural resources effectively. This initiative not only benefits humanity but also fosters environmental sustainability. The study investigated the design optimization of these hybrid systems, focusing on understanding solar radiation patterns, identifying geographical influences on solar radiation, formulating a mathematical model for system optimization, and determining the optimal configuration of PV panels and pumped hydro storage. Through a comparative analysis approach and eight weeks of data collection, the study addressed key research questions related to solar radiation patterns and optimal system design. The findings highlighted regions with heightened solar radiation levels, showcasing substantial potential for power generation and emphasizing the system's efficiency. Optimizing system design significantly boosted power generation, promoted renewable energy utilization, and enhanced energy storage capacity. The study underscored the benefits of optimizing hybrid solar PV panels and pumped hydro energy supply systems for sustainable energy usage. Optimizing the design of solar PV panels and pumped hydro energy supply systems as examined across diverse climatic conditions in a developing country, not only enhances power generation but also improves the integration of renewable energy sources and boosts energy storage capacities, particularly beneficial for less economically prosperous regions. Additionally, the study provides valuable insights for advancing energy research in economically viable areas. Recommendations included conducting site-specific assessments, utilizing advanced modeling tools, implementing regular maintenance protocols, and enhancing communication among system components.
Final project report on grocery store management system..pdfKamal Acharya
In today’s fast-changing business environment, it’s extremely important to be able to respond to client needs in the most effective and timely manner. If your customers wish to see your business online and have instant access to your products or services.
Online Grocery Store is an e-commerce website, which retails various grocery products. This project allows viewing various products available enables registered users to purchase desired products instantly using Paytm, UPI payment processor (Instant Pay) and also can place order by using Cash on Delivery (Pay Later) option. This project provides an easy access to Administrators and Managers to view orders placed using Pay Later and Instant Pay options.
In order to develop an e-commerce website, a number of Technologies must be studied and understood. These include multi-tiered architecture, server and client-side scripting techniques, implementation technologies, programming language (such as PHP, HTML, CSS, JavaScript) and MySQL relational databases. This is a project with the objective to develop a basic website where a consumer is provided with a shopping cart website and also to know about the technologies used to develop such a website.
This document will discuss each of the underlying technologies to create and implement an e- commerce website.
Industrial Training at Shahjalal Fertilizer Company Limited (SFCL)MdTanvirMahtab2
This presentation is about the working procedure of Shahjalal Fertilizer Company Limited (SFCL). A Govt. owned Company of Bangladesh Chemical Industries Corporation under Ministry of Industries.
Hierarchical Digital Twin of a Naval Power SystemKerry Sado
A hierarchical digital twin of a Naval DC power system has been developed and experimentally verified. Similar to other state-of-the-art digital twins, this technology creates a digital replica of the physical system executed in real-time or faster, which can modify hardware controls. However, its advantage stems from distributing computational efforts by utilizing a hierarchical structure composed of lower-level digital twin blocks and a higher-level system digital twin. Each digital twin block is associated with a physical subsystem of the hardware and communicates with a singular system digital twin, which creates a system-level response. By extracting information from each level of the hierarchy, power system controls of the hardware were reconfigured autonomously. This hierarchical digital twin development offers several advantages over other digital twins, particularly in the field of naval power systems. The hierarchical structure allows for greater computational efficiency and scalability while the ability to autonomously reconfigure hardware controls offers increased flexibility and responsiveness. The hierarchical decomposition and models utilized were well aligned with the physical twin, as indicated by the maximum deviations between the developed digital twin hierarchy and the hardware.
1. IJRET: International Journal of Research in Engineering and Technology eISSN: 2319-1163 | pISSN: 2321-7308
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Volume: 04 Issue: 07 | July-2015, Available @ http://www.ijret.org 267
BANKING SERVICES OFFERED BY INDIAN BANKS ONLINE
Mukta Sharma1
, R.B Garg2
1
Research Scholar, Computer Science, TMU, Moradabad, India
2
Ex-Professor, Computer Science, Delhi University, Delhi, India
Abstract
Internet has revolutionized the world. It has changed the mindset of people from staying in touch with their friends, family, distant
relatives or acquaintances to do online shopping, studying, searching things online, banking online. Internet has made the lives so
easy and comfortable. It has actually groomed the lives in almost all domains. Today, a researcher does not have to actually sit in
the library searching the data, reading it rather the user can search anything online very conveniently. Banking sector has also
grown tremendously from the brick and mortar model to online banking not offering services to access the bank accounts only but
now the banks are emphasizing on Electronic Fund Transfer.
The paper highlights the various levels of services being offered by the banks online, when the banks have actually initiated e-
banking in India and what kind of security measures have been taken by the banks to secure the data.
Keywords: 3D Pin, EFT, Internet banking, Token, OTP, Virtual Keyboard
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1. INTRODUCTION
There is a paradigm shift due to technology enhancement;
banking industry is also not untouched from it. Banking
sector is immensely using the technology even in day today
environment. The customers prefer not to visit the banks to
withdraw cash, they prefer using ATMs, they dislike
wasting time standing in long queues to update their pass
books, pay bills, etc rather they prefer to do all these things
online. Banks are also considering offering maximum
services online so that the customer can be benefited
maximum. Banking sector in India has been using
electronic and telecommunication networks for delivering a
wide range of value added products and services. The
delivery channels include direct dial – up connections,
private networks, public networks etc and the devices
include telephone, Personal Computers including the
Automated Teller Machines, etc. Internet is emerging as a
powerful channel for banks to receive instructions and
deliver products and services to their customers. This form
of banking is known as Internet banking (Reserve Bank of
India, 2001). In short, we can say electronic banking is a
process by which a customer performs banking transactions
electronically.
1.1 Internet Banking can be offered in Two Ways
1. Virtual bank- All traditional banks services are
offered online by Internet banking no physical (brick &
mortar model) existence of the bank is required. These
banks are known as „virtual‟ banks or „Internet only‟
banks and may not have any physical presence in a
country despite offering different banking services. In
India such type of virtual banks are not there till now.
2. Traditional banks + Internet banking- Traditional
banks are functioning in the same way as they earlier
used to, with some specific branch timings. The
incredible growth of internet has enhanced the way the
banks are offering varied services online for 24*7,
better customer Relationship Management (CRM ),
ease and convenience of accessing the bank.
Information technology has emerged as a strategic
resource for achieving higher efficiency, control of
operations, productivity and profitability in banking
operations. Therefore, banks in India are increasingly
embracing information technology to meet the
increasing customer expectations and face the
galloping competition.
1.2 Need for E-banking
With the rapid growth of technology the human kind is
experiencing the luxury of using and connecting, getting
anything or rather everything at a single mouse click or
touch of a button. Technology has changed the banking
domain also for the ease of customers and bankers both. E-
banking is a cost-effective delivery channel for financial
institutions. Consumers are embracing the many benefits of
Internet banking. It is actually helping the customers by
saving their time, money (they used to spend in commuting
and need to pay extra at traditional bank branch). They can
access to one's accounts, do any online transaction, and pay
bills, etc. at any time and from any location via the internet.
As banking sector is growing with the use of technology in
the ATM, online banking, Phone Banking, Mobile banking
etc. the banks are opening more ATMs then branches.
1.3 Advantages of E-banking
Convenience- Customers do not need to worry about
reaching the branch, branch timings, standing and
waiting for their chance. If they are out of town,
country they don‟t need to panic can still make
transactions online or can withdraw money from any
nearest ATM.
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Volume: 04 Issue: 07 | July-2015, Available @ http://www.ijret.org 268
Time- Can access e-banking 24*7, even on holidays,
Transaction speed- Online bank sites generally
execute and confirm transactions at a quicker speed
than ATM processing speeds, branch teller machines.
Efficiency- Can access and manage all bank accounts
from one secure site.
Effectiveness- Many online banking sites now offer
sophisticated tools, including account aggregation,
EMI calculator, stock quotes, rate alert and portfolio
management.
Cost efficient- opening a physical branch and hiring
employees is much more expensive than ATMs and
Online banking. Now e-banking has become a
necessity as people are paying their bills online,
shopping online, transacting, recharging, booking
tickets online. In short, we can say the customer today
is hooked on to the technology and making the best
utilization of the services offered to them.
1.4 Disadvantages of E-Banking
Start-up may take time-In order to register for online
banking; customers have to ask (fill up form) the
banks. As they used to do it for debit card, banks used
to give debit card and pin to the customer. Similarly
for e-banking the customers need Login credentials, so
that they can transact online.
Learning curves - Banking sites can be difficult to
navigate at first. Banks actually need to be more
organized and strategically place the details on
website.
Bank site changes- Even the largest banks
periodically upgrade their online programs, adding
new features in unfamiliar places. In some cases
customers need to re-enter account information.
Security- Security plays an important role in the
adoption of e-banking by the customers. There are
numerous threats like Spoofing, Phishing, Net
extortion, Salami Attack etc therefore, the customers
are still very much hesitant, reluctant to give their
credentials. As many cases has actually shaken the
trust of the customers many a time.
2. THE LEVELS OF BANKING SERVICES
OFFERED ONLINE:
The RBI has categorically divided the level of banking
websites as per the services offered by them. They can be
broadly categorized into three types:
Fig. 1
1. Information Only System or Basic Level Services:
The banking sites which falls in this category is
primarily focused on disseminating information
about different products and services offered by their
bank like interest rates, branch location, bank
products and their features, loan and deposit
calculations are provided in the banks website. There
exist facilities for downloading various types of
application forms. The communication is normally
done through e-mail. There is no interaction between
the customer and bank's application system. No
identification of the customer is done [1]. This kind
of banking site can be provided by the banks or
outsourced. While the risk to a bank is relatively low
as there is no direct connection with the bank server.
The server or web site may be vulnerable to
alteration by hackers or other banks can copy the
websites aesthetics. Banking management needs to
be bit alert to prevent unauthorized alterations to the
bank‟s server or web site.
2. Electronic Information Transfer System or
Simple Transactional Websites: In this the banking
website provides customer-specific information in
the form of account balances, transaction details, and
statement of accounts. The information is still largely
of the 'read only' format. Identification and
authentication of the customer is through password.
These kind of banking websites, do not permit any
fund-based transactions on their accounts. But since
the customers are able to retrieve their account
details through bank servers it may have a path to the
bank‟s internal networks, the risk is higher with this
configuration [6]. Therefore, banks need to have
appropriate controls in the place to prevent, monitor,
and alert management of any unauthorized attempt to
access the bank‟s internal networks and computer
systems. Virus controls also become much more
critical in this environment [6].
3. Fully Electronic Transactional System or Fully
Transactional Websites: These sites allow
customers to operate on their accounts for transfer of
funds, payment of different bills, subscribing to other
products of the bank and to transact purchase and
sale of securities, stocks etc. These sites allow bi-
directional capabilities. This system requires high
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Volume: 04 Issue: 07 | July-2015, Available @ http://www.ijret.org 269
degree of security and control. In this environment,
web server and application systems are linked over
secure infrastructure. It comprises technology
covering computerization, networking and security,
interbank payment gateway and legal infrastructure
[3].
3. IMPLEMENTATION OF WEBSITES IN
INDIA
India is the 2nd country in Asia to initiate technology related
act. On September 17, 1996, RBI has officially launched
their website and encouraged the banks to come globally.
ICICI bank pioneered Internet banking in India by launching
a website in 1996. Initially, it was only an informational
website stating about the bank, branches, phone no, details
about the products and services offered by them. In 1997,
ICICI bank moved ahead with technology and was able to
give the customers flexibility to check their account details
by giving them the login credentials. In
November, 1999, RBI issued guidelines to banks for the
issuance of debit cards and smart cards to ease pressure on
physical cash. Again in 1999, ICICI bank made their
website accessible for online transactions. In 2001, ICICI
bank had tied up 50 utility for online payment. That gives
the customer a lucrative option of paying bills online.
But even today in India, few banks like Vijaya bank are
offering only informational level websites. When the
Transactional level websites were launched, security had a
major issue. It was breached many a times for which the
banks have initiated some security prevention measures.
Like the hackers used to send viruses along with any files on
emails. Later when the user clicks on that mail the virus or
Trojan or any, malicious program gets installed and here
comes the actual problem of Key Loggers. The moment user
types the login credentials all information will be sent to the
hacker. For which, many banks have implemented the use of
Virtual Keyboard.
Table 1: Types of banking websites
Informational Communicative Transactional
Type of site Informative Site Account details can be retrieved EFT
Services Offered Only banks information Bank information and can check
own Account details
Bank information and can
make transactions
Site Updations Not very regular Often Regular
Security Very Low Moderate Very High
Interaction with
bank server
Very Low
(No interaction between
Bank and customers except
mail)
Moderate
(customer credentials will give
customers access to his account)
Very High
(bi-directional online
transactions will take place
through banks server only)
Way to
communicate
Only email Email, Login credentials Email, Login credentials,
OTP, 3d Pin, Grid Matrix,
Tokens etc
Anti Virus and
Firewalls
Yes Yes, Essential Yes, Mandatory
4. SECURITY MEASURES IMPLEMENTED BY
BANKS
As banking domain deals directly with money it is one of
the riskiest sector. The banks need to be really cautious for
privacy violations due to the sensitive and highly personal
nature of information that is exchanged, recorded, and
retained. Individuals must trust banks with personal
identifying information, their financial records, transacting
online, and their credit history. The banks have to ensure the
customer that the personal information and other details
should not be compromised at any cost. The RBI has
periodically issued guidelines, regulations and circulars
which require banks to maintain the confidentiality and
privacy of customers. RBI has also instructed the banks to
educate the online customers about phishing, spoofing, what
security measures the bank is using and about the password
not to disclose it with anybody. The banks are really trying
hard to secure the customer by applying various
authentication measures. Authentication process is preceded
by Authorization, which in the banking context, is preceded
by Identification. Authorization, involves verifying that an
authenticated subject has permission to perform certain
operations or access specific resources.
4.1 Types of Authentication-
1. Single Factor Authentication- As the name suggests
it take only single factor to authenticate the user. This
is the basic authentication method. (Login credentials-
Only ask for username and password was
recommended in communicative level website to view
the account details).