iJournals: International Journal of Software & Hardware Research in Engineering ISSN-2347-9698 Volume 6 Issue11 November 2018
Customizable and Divisible Card Payment Authors: Pratik Matkar1; Aayush Joshi2 Department of Electronics and Communication Engineering, Medicaps Institute of Science and Technology, Rajeev Gandhi Technical University, Indore (M.P.), India1 Department of Finance, Institute of Management and Entrepreneurship Development, Bharti Vidyapeeth Deemed University, Pune (Maharashtra), India2 E-mail: pratikmatkar1@gmail.com1; ayushjoshi248@gmail.com2 <DOI: 10.26821/IJSHRE.6.11.2018.61103> ABSTRACT Customers get a great relief if they can use a combination of credit cards for a single purchase. To support this functionality, we need two things. First, we need an infrastructure that allows the customer to divide a single purchase transaction into multiple cards. Second, we need a tool that assists the customer in making the complex decision of which combination of cards to use. This project provides the design a new infrastructure that supports the divisible card payment where a combination of multiple cards can be used for a single purchase. The main strength of this virtual card payment infrastructure is that it requires only two minor modifications to the existing infrastructure. Keywords: Data base design, Data design, Data dictionary, Virtual card.
1. INTRODUCTION Credit cards are the payment choice in e-commerce. Despite the on-going development efforts on various kinds of new payment systems for e-commerce, online shoppers use credit cards for a majority of their purchase. This project describes an infrastructure that supports the divisible payments of a single purchase. In the new infrastructure, a Virtual card (V-card) is created and used each time the customer wants to use a combination of cards. It is believed that the proposed infrastructure is well suited for online purchases. The creation of the V-card does not create a physical card but only a valid card number, and thus this is well suited for Web purchases where no physical card needs to be handled. The VAâ&#x20AC;&#x2122;s optimization decision needs computing power, and therefore online purchases that use computers in the
first place are a good fit for the divisible card payment infrastructure. This new infrastructure modifies the existing systems in two ways. First, to support the divisible card payments, the Virtual Card Manager (VCM) is added to the merchant side. The VCM handles the divisible card approval process between the merchant and the respective credit card issuers. Second, to support the customerâ&#x20AC;&#x2122;s card-usage decisions, the new infrastructure provides the customer with a V-card Agent (VA). [5] Many credit cards offer additional features, such as cash-back on a percentage of total purchases made, travel protection, additional warranty, or airline frequent flier miles. In such a myriad of choices and features, a customer may be better off using a particular card, depending on his/her preferences and spending habits. For example, a customer who carries a large balance may prefer a card with a lower interest rate, while another customer who does not carry a balance, but likes traveling, may prefer to use a card affiliated with an airline company to receive airline miles. Furthermore, customers are sometimes better off if they can use a combination of credit cards for a single purchase.[4] This project describes an infrastructure that supports the divisible payments of a single purchase. In the new infrastructure, a Virtual card (V-card) is created and used each time the customer wants to use a combination of cards. This new infrastructure modifies the existing systems in two ways. First, to support the divisible card payments, the Virtual Card Manager (VCM) is added to the merchant side. The VCM handles the divisible card approval process
Pratik Matkar; Aayush Joshi , Vol 6 Issue 11, pp 8-14, November 2018
iJournals: International Journal of Software & Hardware Research in Engineering ISSN-2347-9698 Volume 6 Issue11 November 2018 between the merchant and the respective credit card issuers. Second, to support the customer’s card-usage decisions, the new infrastructure provides the customer with a V-card Agent (VA). As which card to use is a complex decision, an optimization model is built into the VA. Based on the customer’s preferences, the VA generates the best option that may suggest using multiple cards for a single purchase. It is believed that the proposed infrastructure is well suited for online purchases. The creation of the V-card does not create a physical card but only a valid card number, and thus this is well suited for Web purchases where no physical card needs to be handled. The VA’s optimization decision needs computing power, and therefore online purchases that use computers in the first place are a good fit for the divisible card payment infrastructure. It is also expected that this infrastructure will be effective in the emerging mobile commerce domain. The VA residing at the customer’s mobile device, for example, may assist the customer’s decisions at runtime.
design could be seen as the application of systems theory to product development
3.1 Use Case Diagram Use case diagram represent the overall scenario of the system. A system is nothing but a sequence of steps describing an interaction between a user and a system. The use case is a set of scenarios tied together by some goals. The use case diagrams are drawn for exposing the functionalities of the system. They represent behavior of the system.
2. PLATFORM SPECIFICATION
Hardware Processor
: Intel Core i5 5200U 2.20 GHz
Motherboard
: Genuine Intel
RAM
: Min 4 GB
Hard Disk
: 100 GB
Software Operating system: Windows 7 (64 bit) Technology Used: JAVA version-JDK 8, MySQL Version 5.6 IDE
: Net beans version 8.1
Server
: Wamp Server 2.1
3. SYSTEM DESIGN Fig 1: Use Case Diagram System design is the process of defining the architecture, modules, interfaces, and data for a system to satisfy specified requirements. Systems
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iJournals: International Journal of Software & Hardware Research in Engineering ISSN-2347-9698 Volume 6 Issue11 November 2018
3.2 Class Diagram: In software engineering, a class diagram in the Unified Modeling Language (UML) is a type of static structure diagram that describes the structure of a system by showing the system's classes, their
attributes, operations (or relationships among objects
methods),
and
the
4. DATABASE DESIGN Database design can be defined as the process of producing a data model of database. This data model contains all the needed logical and physical design choices and physical storage parameters needed to generate a design in a data definition language, which can then be used to create a database. A fully attributed data model contains detailed attributes for each entity. The term database design can be used to describe many different parts of the design of an overall database system. Principally, and most correctly, it can be thought of as the logical design of the base data structures used to store the data. In the relational model these are the tables and views. In an object database the entities and relationships map directly to object classes and named relationships. However, the term database design could also be used to apply to the overall process of designing, not just the base data structures, but also the forms and queries used as part of the overall database application within the database management system (DBMS).[3] 4.1 DATA DESIGN Data design is the first design activity, which results in fewer complexes, modular and efficient program structure. The information domain model developed during analysis phase is transformed into data structures needed for implementing the software. The data objects, attributes, and relationships depicted in entity relationship diagrams and the information stored in data dictionary provide a base for data design activity. During the data design process, data types is specified along with the integrity rules required for the data. For specifying and designing efficient data structures, some principles should be followed.
4.1.1 ER Diagram: An entity relationship diagram (ERD) shows the relationships of entity sets stored in a database. An entity in this context is a component of data. In other words, ER diagrams illustrate the logical structure of databases.
Fig 2: Class Diagram
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iJournals: International Journal of Software & Hardware Research in Engineering ISSN-2347-9698 Volume 6 Issue11 November 2018
Fig 3: ER Diagram
4.1.2 Data dictionary
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iJournals: International Journal of Software & Hardware Research in Engineering ISSN-2347-9698 Volume 6 Issue11 November 2018
5. IMPLEMENTATION
5.2 Registration
5.3 VA Menu
5.1 Login Page
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iJournals: International Journal of Software & Hardware Research in Engineering ISSN-2347-9698 Volume 6 Issue11 November 2018
5.4 Add New Card
5.6 Purchase Amount
5.5 My Preferences
5.7 Logout
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6. CONCLUSION
iJournals: International Journal of Software & Hardware Research in Engineering ISSN-2347-9698 Volume 6 Issue11 November 2018 divisible-card-payments-for-online-purchases-javaproject-report.html
I have implemented the Virtual Agent Software and Bank Simulation using the Java Server Pages technology. I have also implemented debugging and error logs for ease of maintenance. For each JSP, the call flow will be logged in the file whose file name is same as the JSP file name. Also if an error gets generated, it will be logged into error file of that day’s date for ease. The database used is Oracle to store all the tables pertaining to this application. I also implemented Client Side Validations using JavaScript which checks simple validations and mandatory fields.
I have also implemented the algorithm to generate optimal combinations of credit cards based on some of the user’ preferences in any order as follows:
Lower interest rates Airline miles Cash-back
[5][Online]Available: https://www.researchgate.net/profile/James_Gelle r2/publication/221017574_Fuzzy_Virtual_Card_Ag ent_for_Customizing_/546e22330cf2b5fc1760457 0.pdf?disableCoverPage=true [6] Rosenberg, J., Schulzrinne, H., Camarillo, G., Johnston, A., Peterson, J., Sparks, R., Handley, M., Schooler, E. 2002. SIP: Session Initiation Protocol. RFC 3261 (June). [7] M. M. Anderson:, “Electronic check architecture,” Tech. Rep. Version 1.0.2, FSTC, September 1998. [8] About proposed Split tender Payment, http://www.ijcaonline.org/archives/volume55/nu mber10/ 8792-2778
Since we don’t have access to the real bank servers during the implementation of the project, I have implemented the bank simulation server. For simplicity, a back-end database is created for each bank. For the card issuing banks, when the banks receive the transaction requests, their simulated servers will check in their databases to validate the transactions. After validations, each of the issuing banks will return either a denial message or an approval code back to VCM. For the merchant’s Acquiring Bank, it behaves similar to the card issuing banks, except for sending the request to the issuing banks and then collecting the funds from each of them and updating its own database.
7. REFERENCES [1].Case Study of e commerce system,[online] http//www.scribd.com/doc/14817254.
payment
[2] Anuja Pande, Prof. A.B. Deshmukh, Prof.M. D. Tambakhe –“E-payment Gateway Model” [3][Online]Available: https://www.quora.com/Who-is-a-databasedesigner [4][Online]Available: http://1000projects.org/customizable-and© 2018, iJournals All Rights Reserved
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