Transactional Committal Portal and Database Resolution Controller For Mobile Banking Transactions

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International Journal of Research and Innovation in Applied Science (IJRIAS) |Volume VIII, Issue III, March 2023|ISSN 2454-6194

Transactional Committal Portal and Database Resolution Controller For Mobile Banking Transactions

Felix. U Ogban, Ndifon Godswill Brendan, Ceasar E. Eko
Department of Computer Science, Faculty of Physical Sciences, University of Calabar, Calabar, Nigeria
Received: 11 February 2023; Revised: 23 February 2023; Accepted: 25 February 2023; Published: 28 March 2023

IJRISS Call for paper

Abstract:- Mobile banking has become a bulging feature in banking operations in Nigeria as more and more banks are accepting this technology to provide the growing population of their clients with fast, accessible, reliable, and quality services. However, there are numerous problems associated with mobile banking: non-committals and non-reversal is the utmost. In this paper, a few scenarios such as Debit without dispense, Debit without Committal, and Debit without credit were considered. Information has it that it takes some banks 24hrs to 72hrs or more to reverse failed transactions, and some bank customers have forfeited their money through this means. The problem therefore can be narrowed to outright failures due to timeout in the network during committals into a database or failures to resolve transactions since there should be no gain without a loss or vice versa. A controller bridge was developed to mirror or sniff mobile transactions from bank to bank; internally (bank A to A) or externally (bank A to B), ascertain the success (full committals) of the transactions, or initiate a resolution if a transaction fails. The Waterfall software development model was adopted for use. The software bridge was tested by simulation using mockup data. The system was developed with PHP, HTML, CSS, JavaScript (Ajax and jQuery), and Bootstrap framework. The implementation was done on a local host with two different browsers housing the banks and the bridge residing in any of them. The results in time concerning sniffing, confirmation, and resolution were outstanding. Implying that, the bridge can improve transactional resolutions faster than ever. Banks should be encouraged to adopt or integrated this new committal bridge into their existing system so that failed transactions can be resolved within a minutes.

Keywords: Mobile banking, Banking Transactions, Database Resolution, Comittal portal, Transactional committals, Simulation

I. Introduction

The approach of Technology delivered with it relative ease with which the banking industry executes their organizations electronically without direct contact particularly as it identifies with their various clients. One such complicated Technology is the introduction of mobile banking in Nigeria. Mobile banking refers to the use of a mobile device to carry out financial transactions. The service is provided by some financial institutions, especially banks. Mobile banking enables clients and users to carry out various transactions which can vary counting on the institution. Mobile banking may be a facility that permits customers to initiate and/or perform banking tasks on their smartphones or computers. This service is provided by all the banks in Nigeria. Customers can use mobile banking applications to carry out Some of the following mobile transactions which include:

• Bank-to-bank transfers
• Transfer of funds to self
• Payments to third parties (rent payments, bill payments, etc.)
• Giving standing instructions for periodic payments
• Payments via Neft/Imps/Retg/Upi/Mmid

All of these depend on a repository: the database where the debits and credits are committed for the transaction to be complete.
The proposed system database keeps a record of all interbank and intra-bank activities so that it can easily be accessed, managed, and updated. The databases typically contain aggregations of data records or files, containing information about interactions with specific customers. Typically, the database manager provides users with the power to regulate read/write access, specify report generation, and analyze usage. Some databases offer ACID (atomicity, consistency, isolation, and durability) compliance to ensure that data is consistent when transactions are complete. A Database Transaction is a logical unit of processing in a database management system (DBMS) that entails one or more database access operations. In a nutshell, database transactions represent real-world events of any enterprise. All types of database access operations which are held between the beginning and end transaction statements are considered as a single logical transaction in the database management system (DBMS). During the transaction the database is inconsistent. Only once the database is committed the state is modified from one consistent state to a different one. A database is a shared resource accessed