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    Digital Loaning System for itinet Incorporated

    Chapter I

    THE PROBLEM AND ITS SETTINGS

    Introduction

    The role of information technology today have an

    increased demand of its usefulness and spread throughout

    the world faster than anyone could imagine. Today in our

    country and around the world, people now use many

    alternative technologies that took ease of peoples daily

    works and it also decreased the energy consumption used in

    daily life.

    Here in the Philippines, there are several loaning

    agencies and each of them have their own way of running

    their system, but even though they have their own

    management systems, all of them have some common problems

    on handling the transactions like their customerspersonal

    records and keeping it secured all together.

    Imagine a business establishment that does not use

    modern technology on its management, transactions, and even

    physical works. There would be a lesser amount of

    efficiency in handling the operations of a certain

    establishment and therefore has the inclination of having a

    poor effectiveness and even worse, a down business.

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    That's why the proponents decided to create a system

    that can provide effective solutions to those problems by

    having a new loaning system that provides faster, better

    and more reliable way of making loan transactions using

    Database Management System and an automated SMS functions.

    Statement of the Problem

    The purpose of the study was focused on the Digital

    Loaning System for Citinet Incorporated using the Database

    Management System (DBMS) and Short Messaging System (SMS).

    Specifically, it sought answers to the following

    questions.

    1.What are the common problems encountered in the existingsystem?

    2.How may the propose system be developed and describedbased on the following stages of SDLC:

    2.1 Software Analysis;

    2.2 Software Design;

    2.3 Software Development;

    2.4 System Testing; and

    2.5 Maintenance;

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    3.How may the proposed system be assessed by therespondents for the characteristics of the system:

    3.1 Accuracy;

    3.2 Efficiency;

    3.3 Speed;

    3.4 Functionality; and

    3.5 Maintainability;

    Objective of the Study

    The main purpose of the study is to make an

    alternative way of handling loan registration, loan

    transactions and payment of a certain loan company and

    upgrade it into a new and advanced form. The main reason

    for the application of the study is because some of the

    business establishments in the Philippines are in lack of

    technology that would help them make their work faster and

    easier with less effort. The development of the new system

    is due to the following reasons:

    To make the usage of the system easier than the systemthat is being currently used.

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    To consume less time and effort in handling loantransactions.

    To make the operation of the system use less physicalworks.

    Significance of the study

    This designed Database Management System (DBMS) and

    Short Messaging System (SMS) used by the Citinet

    Incorporated can help in determining the effectiveness of

    the system used which may be favorable to the both company

    as well as the loan applicants. This study will give

    benefit to the following group:

    Companies/Establishments. With an advanced digital

    loaning system the loaning agencies and other financial-

    oriented businesses of today will have the chance of

    setting their business transactions simpler by adapting the

    system.

    Entrepreneurs. By the help of the systems feature,

    specifically the SMS notification function, more clients

    like entrepreneurs and other business owners can be well-

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    informed of the transactions of the loaning company even

    without going inside the establishment.

    Company Owners. Company owners can be enthused of the

    systems functionality and may decide to apply it to their

    own business.

    Other Companies. Other companies like lending and

    financing businesses may also be benefited by the propose

    system because it is parallel to operations of their

    business.

    Conceptual Framework

    The proposed system has formed a new concept regarding

    the current system being used by the target company can

    notice the difference and changes that will be used after

    the application of the proposed as shown in the following

    figures.

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    As shown from the figures above, you will notice the

    difference between the system that is currently used by the

    company and the proposed system. The flow of the operation

    is almost the same but the proposed system provides an

    alternative and more efficient way of doing those

    operations.

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    Scope and Delimitation

    In general, the focus of this study is to upgrade the

    system design and development of Loaning Agency System into

    SMS and DBMS Loaning Processes. This study was conducted on

    June 2012 using San Leonardo Central School faculty members

    as the respondents, to present the efficiency whenever any

    of them take loaning transactions.

    The system device can send a personal message via SMSthat would inform the user five (5) days before the

    deadline of the payment for his/her loan.

    The system is capable of handling loan registrations andtransactions and can be used.

    The system will stop its notification function when thereis a loss of signal or a broken communication due to

    incidents and certain circumstances or when the device

    that is being used was broken.

    The system can only handle personal records of the clientexcluding the agreement for loan applications and its

    approval, the loan investigator would be the one to

    assess whether the client(s) of Citinet Microfinances

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    request would be accepted or not. The system would only

    record a checklist of the clients payment integrity.

    Loss of data due to brownouts would be out of thesystems scope, therefore an additional device like

    Uninterruptable Power Supply (UPS) is recommended to be

    implemented with the system for more secured record

    management.

    Definition of terms

    Accuracy. The ability of a measurement to match the

    actual value of the quantity being measured.

    Database Management System (DBMS). A software used in

    handling and storing data files commonly used in business

    establishments.

    Efficiency. The degree of effectiveness with which

    something is done, or of the person who does it.

    Functionality. The capacity of a computer program or

    application to provide a useful function.

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    Maintainability. To keep in an appropriate condition,

    operation, or force.

    Maintenance. The work of keeping something in proper

    condition.

    Software Analysis. To utilize the data-driven approach

    to enable software practitioners to perform data

    exploration and analysis in order to obtain insightful and

    actionable information for completing various tasks around

    software systems, software users, and software development

    process.

    Software Design. The software design of the propose

    system will be made using algorithms and calculations which

    will give solutions to the problems about the flow of

    registration and transactions of the loaning companys

    system process. The software that will be used in the

    propose system will serve as the brain function regarding

    the operation of the company.

    Software Development. The development of the research

    will be based on the situations or problems that the target

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    establishment is currently being encountered due to the

    system they are currently using. For the development of the

    software to be deployed, the proponents must first find

    solutions to those problems.

    Short Messaging System (SMS). A protocol used indelivering and receiving text messages.

    Speed. The rate at which something happens or is done.

    System Testing. The proposal must first have its

    prototype version of the system to make tests if it would

    be functioning correctly and to troubleshoot the possible

    bugs and glitches that might be found while running its

    operation. This will help the proponents to make further

    enhancements to the study of the proposal.

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    Chapter II

    REVIEW OF RELATED LITERATURE AND STUDIES

    This Chapter discusses the topics related to the

    proposed system from the other cases to review the

    literature and studies.

    SMS Application

    Our proposed PUSH-PULL service offering SMS based m-

    Banking provides a new 24 hour banking convenience which

    helps customers stay on top of any recent changes made in

    their bank account, DPS or loan through their cell phone.

    According to our current Banking infrastructure, it is

    observed that both of National and Private Banks provide

    much and more same financial services. In our proposed

    system, at first m-Banking services are categorized as

    PUSH and PULL services encountering message type. And

    another categorization has been done by grouping

    homogenous nature of utility. Services are divided into

    five categories in accordance with their homogenous

    utility. They are: Broadcast, Schedule, Events, Enquiry

    and m-Commerce. PUSH messages are those that the bank

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    chooses to send out to a customer's mobile phone, without

    the customer initiating a request for the information. For

    example, when a bank opens a new branch or any change in

    current policy making, then a PUSH message will be

    broadcasted on their registered clients mobiles. PULL

    messages are those that are initiated by the customer,

    using a mobile phone, for execution order of

    transactions of bank accounts. Examples of PULL messages,

    for information include an account balance enquiry, or

    request for transferring balance among authorized accounts

    only sending SMS. In our proposed system when a customer

    sends a SMS of PULL service request to bank, the bank

    server acquires the SMS through modem. Then the SMS server

    truncates necessary information from SMS and provides

    corresponding services to customer by retrieving and

    updating customer accounts related database. In this

    system, proper tracks have been kept to face any type of

    SMS server problem due to unwanted failure or unusual

    behavior of system control software. The proposed system

    is divided into five major modules are as follows:1)

    Interfacing Module 2) SMS Technology Adoption Module 3)

    SMS Banking Registration Module 4) PUSH PULL m-Banking

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    Services Generation Module and 5) Modified Data Failover

    Module. Some well-defined sequential methods are applied

    in these modules. The schematic view of the architecture

    of our proposed system is depicted figure1.

    Short Messaging Service (SMS) is a communication

    protocol allowing the interchange of short text messages

    between mobile telephone devices. Most SMS messages are

    mobile-to-mobile text messages, though the standard

    supports other types of broadcast messaging as well. The

    SMS is a store and forward service. In other words, short

    messages are not sent directly from sender to recipient,

    but via an SMS center. Each mobile telephone network that

    supports SMS has one or more messaging centers to handle

    and manage the short messages. This module describes the

    process of communicating with the GSM modem which is the

    most important provider of our SMS service. This process

    of communication has been done through a number of

    attention commands (AT). This AT commands makes our bank

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    server modem to be able to send and receive SMS from

    customers mobile and vice-versa. Table 1 indicates several

    common AT commands which are used in this proposed system.

    To check the connection between Bank server computer

    and GSM modem, hyper terminal is opened and AT commands

    are sent. If the modem replies with OK then it is the

    successful communication establishment between modem and

    bank server. The SMS specification has defined two modes

    in which a GSM (Global System for Mobile Communication) or

    GPRS (General Packet Radio Service) modem or mobile phone

    can operate. They are called SMS text mode and SMS PDU

    (Protocol Data Unit) .Usually string values are defined

    for text mode while numeric values are defined for PDU

    mode. We used PDU mode for sending and receiving SMS

    because it supports more features than text mode. PDU

    includes detailed Meta information with the raw SMS like

    actual SMSC (Short Message Service Center) number, time

    stamp, and length of the actual message in hexadecimal

    octets or decimal semi octets. This PDU format is secured

    for encoding. And from its octet sequencing, the encoded

    data structure can decoded easily. In figure 2, a PDU

    format of a received message of server modem SimensC-35 is

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    illustrated with a denotation of each octet. For sending

    and receiving SMS between bank and customers mobile,

    software is designed using XML (Extensible Markup

    Language) and J2EE. The system is developed in Linux

    platform. In figure 4, the interface of successful running

    condition SMS server has been shown.

    Source: International Arab Journal of e-Technology, Vol.

    1, No. 3, January 2010

    Author: Fouzia Mousumi and Subrun Jamil Year: 2010

    Available at:

    http://www.iajet.org/iajet_files/vol.2/no.3/A%20Mobile%20P

    hone%20SMS-

    Based%20System%20For%20Diabetes%20Self%20Management.pdf

    According to Jennifer Hord (2013) SMS has several

    advantages. It is more discreet than a phone conversation,

    making it the ideal form for communicating when you don't

    want to be overheard. It is often less time-consuming to

    send a text message than to make a phone call or send an e-

    mail. SMS doesn't require you to be at your computer

    like e-mail and instant messaging(IM) do -- although some

    http://www.iajet.org/iajet_files/vol.2/no.3/A%20Mobile%20Phone%20SMS-Based%20System%20For%20Diabetes%20Self%20Management.pdfhttp://www.iajet.org/iajet_files/vol.2/no.3/A%20Mobile%20Phone%20SMS-Based%20System%20For%20Diabetes%20Self%20Management.pdfhttp://www.iajet.org/iajet_files/vol.2/no.3/A%20Mobile%20Phone%20SMS-Based%20System%20For%20Diabetes%20Self%20Management.pdfhttp://computer.howstuffworks.com/e-mail-messaging/instant-messaging.htmhttp://computer.howstuffworks.com/e-mail-messaging/instant-messaging.htmhttp://www.iajet.org/iajet_files/vol.2/no.3/A%20Mobile%20Phone%20SMS-Based%20System%20For%20Diabetes%20Self%20Management.pdfhttp://www.iajet.org/iajet_files/vol.2/no.3/A%20Mobile%20Phone%20SMS-Based%20System%20For%20Diabetes%20Self%20Management.pdfhttp://www.iajet.org/iajet_files/vol.2/no.3/A%20Mobile%20Phone%20SMS-Based%20System%20For%20Diabetes%20Self%20Management.pdf
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    phones are equipped for mobile e-mail and IM services. SMS

    is also a convenient way for deaf and hearing-impaired

    people to communicate.

    SMS is a store-and-forward service, meaning that when

    you send a text message to a friend, the message does not

    go directly to your friend's cell phone. The advantage of

    this method is that your friend's cell phone doesn't have

    to be active or in range for you to send a message. The

    message is stored in the SMSC (for days if necessary) until

    your friend turns his cell phone on or moves into range, at

    which point the message is delivered. The message will

    remain stored on your friend's SIM card until he deletes

    it.

    In addition to person-to-person messages, SMS can be

    used to send a message to a large number of people at a

    time, either from a list of contacts or to all the users

    within a particular area. This service is

    calledbroadcastingand is used by companies to contact

    groups of employees or by online services to distribute

    news and other information to subscribers.

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    In a 2004 University of Plymouth study on the

    psychology of SMS users, researchers found that mobile

    phone users were primarily either "texters" or "talkers".

    Compared to the talkers, the texters sent nearly double the

    number of SMS messages and made less than half as many

    voice calls per month. The texters preferred SMS to voice

    calls for its convenience as well as for the ability to

    review a message before sending it.

    Companies have come up with many uses for the service

    beyond just your typical person-to-person message. Because

    SMS doesn't overload the network as much as phone calls, it

    is frequently used by TV shows to let viewers vote on a

    poll topic or for a contestant. As a promotional tool,

    wireless carriers put up giant at concerts and other large-

    scale events to display text messages from people in the

    audience.

    You can use text messaging subscription services to

    get medication reminders sent to your phone, along with

    weather alerts, news headlines or even novels broken into

    160-character "chapters." Internet search engines such as

    Yahoo! and Google have short messaging services that enable

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    users to get information such as driving directions, movie

    show times or local business listings just by texting a

    query to the search engine's phone number. Social

    networking services such as Dodge ball use SMS to alert

    people who live in big cities when their friends or crushes

    are nearby. The possibilities for integrating SMS into your

    lifestyle seem endless.

    Author: Jennifer Hord Year: 2013

    Available at: http://computer.howstuffworks.com/e-mail-

    messaging/sms1.htm

    According to David Hensley (2013) Short Messaging

    Service is commonly known as SMS. SMS is slowly gaining

    momentum as a cheap messaging solution. SMS is a text

    message that can have up to 160 characters of length that

    can be sent to cell phones. A cost effective alternative to

    outgoing calls is SMS and is convenient also. Recently SMS

    has become identical with the text messages sent to a

    mobile phone. SMS is cheaper when compared with voice

    messaging or web access. SMS is non-intrusive and hence

    messages will be obtained in a discrete fashion. SMS does

    http://computer.howstuffworks.com/e-mail-messaging/sms1.htmhttp://computer.howstuffworks.com/e-mail-messaging/sms1.htmhttp://computer.howstuffworks.com/e-mail-messaging/sms1.htmhttp://computer.howstuffworks.com/e-mail-messaging/sms1.htm
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    not disturb you if you are busy with an important work. SMS

    has high integration capabilities and so many software

    programs help you to give text alerts to cell phones if any

    urgent conditions exist. The advantages of SMS are cost

    effectiveness, comfort, opinion expression, and

    spontaneity. The main advantage of SMS is its

    inexpensiveness. When compared with an international call

    that costs you several dollars, by sending an SMS the same

    communication can be done with a significantly lesser

    amount. SMS is found as the most comfortable way to

    communicate. Text messaging can be done at any place and at

    any time if you want to chat with your relatives and

    friends. You can also save your time and the message will

    be pleasing when the text message language uses abbreviated

    code in the SMS. It provides you an excellent opportunity

    to state your thoughts in public concerned matters. You can

    also win numerous contests by sending SMS and using SMS.

    Spontaneity is another remarkable aspect of SMS. It

    connects the people in a greater speed and it surpasses the

    big oceans and seas to reach the target within seconds.

    These text messages do not require dedicated time and so

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    you can write messages while waiting for cabs, eating,

    traveling or during television breaks.

    Though there are many advantages there are certain

    drawbacks too. SMS brings addictive nature among kids and

    excess messaging increases your mobile phone's monthly

    bill. It can also lead to lack of concentration and

    distraction in studies. An SMS if consists of porn clips

    and pictures, can steer the young minds to a wrong

    direction. SMS cannot be true and the authentic situation

    of the concerned person may be false also. At times SMS can

    fail because of network problems and so totally relying on

    it can lead to trouble.

    The SMS can have its origination from other mobile phones,

    Internet or the personal computers. Consumers and also

    business people use the short messages for remote

    communication. It also allows the staff in traveling jobs

    to be connected with their offices for specific and

    periodical instructions. All the cellular network providers

    offer SMS with certain SMS level or text messaging

    capability. The SMS features and costs may vary according

    to the carriers and package variety that suits to business

    and individual needs. There are three types of options

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    offered by the carriers; they are free SMS, fee per SMS and

    Monthly fee for SMS. SMS can be sent in several ways it and

    depends on your service provider. SMS is going to continue

    at a faster speed and the users will take advantage of text

    messaging capabilities in their workplace too.

    Author: David Hensley Year: 2013

    Available at:

    http://www.streetdirectory.com/travel_guide/140316/technolo

    gy/benefits_of_sms.html

    According to BelBel Organization (2010) SMS is

    technology that contributed varied beneficial services to

    the world and is used in different applications. These

    applications include business and trade, ebanking, as well

    as social and spiritual-applications.

    Indeed, mobile phones have made tremendous

    contributions to society and to mankind. From its inception

    as a tool of communication used only by deaf or hearing

    impaired individuals, SMS or Short Messaging Service had

    turned into a very powerful means of communication. Also,

    http://www.streetdirectory.com/travel_guide/140316/technology/benefits_of_sms.htmlhttp://www.streetdirectory.com/travel_guide/140316/technology/benefits_of_sms.htmlhttp://www.streetdirectory.com/travel_guide/140316/technology/benefits_of_sms.htmlhttp://www.streetdirectory.com/travel_guide/140316/technology/benefits_of_sms.html
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    SMS had made the world smaller and much better as people

    rapidly gain access to mobile phones. Moreover, it created

    a new way of system of communication all together.

    SMS Applications and Advantages:

    SMS has countless contributions to the worlds and let's

    discuss-some-of-them.

    Banking. SMS had contributed so much in terms of

    transactions like depositing and withdrawing money. Instead

    of people going to the banks to transact, the latter had

    instituted various ways so that the customers can perform

    bank transactions through short messaging service. This

    makes them complete their financial transactions without

    leaving their offices and or their homes.

    Social Aspect. SMS has made old acquaintances and

    family members become continually in touch.

    Business. SMS allows for the sales and purchase of

    goods easier. By just sending and receiving text messages,

    both buyers and vendors of products need not have to meet

    face-to-face when trading.

    Spiritual Aspect. In religion and beliefs, SMS too

    had played a significant role in propagating the faith and

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    inspiring the weary soul. Bible verses were now sent

    through text messages.

    Author: BelBel Year: 2010

    Available athttp://www.studymode.com/essays/Sms-Short-

    Messaging-Service-Advantages-450483.html

    According to David Kyle Brown (2012), a Student

    Response System (SRS) is a wireless system that provides

    lecturers with the ability to actively engage students in

    a classroom. These systems allow students to respond to

    questions posed during a lecture via a wireless device

    known as a personal response unit, or clicker. The

    dependency of the system on providing clickers to each and

    every student in the class introduces a cost constraint.

    For this reason, it would be convenient to develop a

    system on a platform that is already available and

    accessible to all students.

    Other than with pen and paper, there is no cost-

    effective and e-efficient means of taking roll call or

    holding quizzes in large classes. For a roll call, calling

    out names is slow and tedious and passing around a list

    http://www.studymode.com/essays/Sms-Short-Messaging-Service-Advantages-450483.htmlhttp://www.studymode.com/essays/Sms-Short-Messaging-Service-Advantages-450483.htmlhttp://www.studymode.com/essays/Sms-Short-Messaging-Service-Advantages-450483.htmlhttp://www.studymode.com/essays/Sms-Short-Messaging-Service-Advantages-450483.htmlhttp://www.studymode.com/essays/Sms-Short-Messaging-Service-Advantages-450483.htmlhttp://www.studymode.com/essays/Sms-Short-Messaging-Service-Advantages-450483.html
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    makes it simple for students to cheat by signing their

    friends names for them. For a quiz, passing out multiple-

    choice answer sheets or collecting written answers wastes

    even more valuable lecture time. In an environment where

    all the students have computers and can answer online

    quizzes, this problem is easy to solve. Answering the quiz

    will automatically verify that the student was in

    attendance. In a lecture theatre, however, the only form

    of network communication students have is via their

    cellphones and lecturers cannot expect their students to

    spend their own airtime answering questions via SMS at

    normal network rates. The purpose of this project is to

    investigate whether it is possible to set up a Student

    Response System that makes use of SMS, at a reasonable

    price, and to determine whether this system would be a

    viable option to solve the problem at hand.

    The system designed to satisfy the above requirements

    consists of three main areas/modules, namely:

    1. SMS Gateway

    2. Client Application

    3. HTTP Interface/Gateway

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    A modular design was chosen to allow the system to be

    easily modified and extended. The goal is to allow for

    individual modules to be easily updated, removed and

    replaced without having too much of an effect, if any, on

    the rest of the system.

    Author: David Kyle Brown Year: 2012

    Available at:

    http://cs.ru.ac.za/research/g09b0279/Deliverables/Thesis-

    Final.pdf

    According to Geoffrey Harvey Tanakinjal (2006), as a

    direct marketing tool, electronic Short Message Services

    (SMS) is likely to surpass internet-based advertising

    before the end of 2006. Younger consumers higher in social

    class are the most willing to accept SMS direct

    advertising text and respond favorably to SMS-TV

    integrated marketing communications (Trappey III &

    Woodside, 2005). On the same note, online banking is

    starting to gain its momentum via the internet.

    Nonetheless, effort has been made to ensure online banking

    flexibility walks hand in hand with the convenience

    http://cs.ru.ac.za/research/g09b0279/Deliverables/Thesis-Final.pdfhttp://cs.ru.ac.za/research/g09b0279/Deliverables/Thesis-Final.pdfhttp://cs.ru.ac.za/research/g09b0279/Deliverables/Thesis-Final.pdfhttp://cs.ru.ac.za/research/g09b0279/Deliverables/Thesis-Final.pdf
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    factor, therefore introducing banking via mobile phone

    (with GPRS interface). Understanding how companies should

    interact with their customers and deliver services in

    electronic environments is of decisive importance

    (Parasuraman and Zinkhan 2002). Nevertheless, despite

    these advantages, the consumer uses mobile devices mainly

    for simple services, such as voice services and text

    messaging. Based on this factor, it is important to

    understand the driving forces of consumers intentions to

    use mobile services and to adapt the services to fulfil

    consumers motives for using them (Nysveen, Pedersen, &

    Thorbjornsen. 2005).

    The general purpose of this study is to explore Short

    Messaging Service (SMS) potential as a vehicle of banking

    services by understanding consumers attitude, motivation

    and behavior towards wireless application channel.

    The contributions of the study may include:

    A. For the service providers or network companies, the

    study will be able to contribute additional information

    regarding consumer preference toward SMS messages on

    mobile banking; and

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    In any case, connecting to a SQL Server Instance and then

    on to the database is one of the most frequently asked

    questions in Forums and Newsgroups. SQL Server data is

    harder to get at than say Microsoft Access or a text file.

    The reason is that there are more layers involved it

    isnt just a single-user application on the same system

    where you are. You have to reach across all those layers to

    get to the data on the server.

    Author: Buck Woody Year: 2003, 28 March

    Available at:

    http://www.informit.com/guides/content.aspx?g=sqlserver&seq

    Num=11

    According Ross Mistry (2007) for SQL Server databases

    to perform at optimal levels, a database administrator

    (DBA) should conduct routine maintenance on each database.

    Some of these routine database tasks involve rebuilding

    indexes, checking database integrity, updating index

    statistics, and performing internal consistency checks and

    backups. These routine database maintenance tasks are often

    http://www.informit.com/guides/content.aspx?g=sqlserver&seqNum=11http://www.informit.com/guides/content.aspx?g=sqlserver&seqNum=11http://www.informit.com/guides/content.aspx?g=sqlserver&seqNum=11http://www.informit.com/guides/content.aspx?g=sqlserver&seqNum=11
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    overlooked because they are redundant, tedious, and often

    time consuming. Moreover, today's DBAs are overwhelmed with

    many other tasks throughout the day. In recognition of

    these issues, SQL Server provides a way to automate or

    manually create these routine DBA chores with a maintenance

    plan. After the maintenance tasks are identified and

    created, routine maintenance should commence daily, weekly,

    monthly, or quarterly, depending on the task. Ultimately,

    these tasks will put organizations on the path to having

    healthier, consistent, and more trustworthy databases.

    What's New for Maintenance with Service Pack 2

    With SQL Server Service Pack 2, many new improved features

    and fixes have bolstered the maintenance plan creation

    experience. These changes include the following:

    The Maintenance Plan designer supports multiple

    subplans within a maintenance plan and the functionality to

    create independent schedules for each subplan. Multiple

    Schedules is a highly anticipated feature that can be

    leveraged to set separate schedules for items such as

    backups, updating statistics, and executing SQL Server

    jobs.

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    Upon the launch of SQL Server 2005, the installation

    of SQL Server Integration Services (SSIS) was warranted if

    organizations wanted to run maintenance plans. This has

    since changed. Integration Services is no longer required

    because maintenance plans are now a fully supported feature

    within the Database Engine.

    For increased administration, maintenance plans now

    support multiserver environments and logging maintenance

    plan information to remote servers. You can now configure

    maintenance plans for all target servers from one central

    master server.

    The Maintenance Cleanup Task, which first appeared in

    SQL Server 2000, has reemerged in the maintenance plans to

    be enjoyed by every DBA. To review, this task removes any

    remaining files that were part of the maintenance plan

    execution.

    Other improvements and enhancements are seen with the

    introduction of SQL Server 2005 Service Pack 2. The

    following reveals some of the fixes that more than a few

    people have anticipated to improve specific tasks.

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    With the release of SQL Server 2005 Service Pack 2,

    new backup expiration options have been added to the

    Database Backup maintenance plan task. You can specify

    backup expiration options, such as having the backup set

    expire after a specific date or on a specific date. This

    feature existed in SQL Server 2000; however, it was not

    available when SQL Server 2005 was released.

    If you select a specific location to store the backup

    folder, the Database Backup maintenance plan task will not

    reset this option.

    In the past, when using the Backup Database

    maintenance plan task, it was possible to create

    differential and transaction log backup plans on system

    databases that were using the Simple Recovery model. This

    bug has been addressed.

    The History Cleanup maintenance plan task offers the

    option to delete files by selecting a unit of time in

    hours, ultimately reducing manual work.

    The Update Statistics task includes options for full

    scan or for sample size, as was available in SQL Server

    2000 maintenance plans.

    Author: Ross Mistry Year: 2007, 01 November

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    Available at:

    http://www.networkworld.com/subnets/microsoft/110107-ch8-

    sql-server.html

    According to Sean McCown (2010) Microsoft SQL Server

    2008 R2, Microsoft begins to fully realize its vision

    of SQL Server as an information platform and not "just" a

    database. Hence the main theme for this release -- at least

    according to Microsoft -- is self-service BI. The

    PowerPivot plug-ins for Excel 2010 and SharePoint 2010 are

    easily going to make the biggest splash of all the new

    features, not least because they're the most complete. But

    then, SQL Server 2008 R2 isn't strictly necessary for

    PowerPivot for Excel, which works with plenty of other data

    sources.

    A number of other features make SQL Server 2008 R2

    worth a close look -- and they don't requireOffice

    2010or SharePoint 2010. Features such as StreamInsight and

    Master Data Services should gain traction right away, while

    others such as SQL Server SysPrep and DACPAC need some

    further baking. Overall, SQL Server 2008 R2 is a solid

    http://www.networkworld.com/subnets/microsoft/110107-ch8-sql-server.htmlhttp://www.networkworld.com/subnets/microsoft/110107-ch8-sql-server.htmlhttp://www.infoworld.com/d/data-management/microsoft-sql-server-2008-best-sql-server-yet-694http://www.infoworld.com/d/applications/top-10-office-2010-features-business-068http://www.infoworld.com/d/applications/top-10-office-2010-features-business-068http://www.infoworld.com/d/windows/sharepoint-2010-polished-refined-and-feature-rich-634http://www.infoworld.com/d/windows/sharepoint-2010-polished-refined-and-feature-rich-634http://www.infoworld.com/d/applications/top-10-office-2010-features-business-068http://www.infoworld.com/d/applications/top-10-office-2010-features-business-068http://www.infoworld.com/d/data-management/microsoft-sql-server-2008-best-sql-server-yet-694http://www.networkworld.com/subnets/microsoft/110107-ch8-sql-server.htmlhttp://www.networkworld.com/subnets/microsoft/110107-ch8-sql-server.html
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    interim release, even if some key additions aren't quite

    what they could be.

    Apart from new features, another change that may

    impact your shop is the addition of the new Datacenter

    edition. Along with introducing the new SKU, Microsoft has

    downgraded the Enterprise edition to support only 8 CPUs.

    If you have a SQL Server 2008 Enterprise server, you really

    need to be aware of this before you upgrade to R2.

    Frankly, I think the levels for Enterprise have been

    set way too low. Shops that have 16-CPU servers aren't

    going to upgrade to R2 if it's going to cost them roughly

    $60,000 per processor. A more realistic break point for

    Datacenter edition would be greater than 64 CPUs.

    But assuming you're not caught up in the horns of the

    Enterprise vs. Datacenter dilemma, R2 offers a handful of

    reasons to upgrade. Two or three of those reasons could

    even be compelling.

    Reason No. 1 to upgrade to SQL Server 2008 R2: Self-

    service BI

    Microsoft's new concept of managed self-service BI mostly

    refers to combining SQL Server 2008 R2 with the new

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    PowerPivot plug-ins to push hefty row sets to Excel 2010 or

    to SharePoint 2010. The key to making this work is the use

    of column-level compression in the data set, which allows

    PowerPivot to process millions of rows in the same amount

    of time it would ordinarily take Excel to process only

    thousands of rows.

    It's easy to see that financial professionals will

    love PowerPivot, but in fact PowerPivot will be useful to

    all kinds of Excel users. It's difficult to crunch any

    sizable data set in Excel; even if you're able to get all

    the rows into memory, processing them can take forever.

    I've seen this problem countless times when trying to

    analyze perform data, so I know many Excel users will

    welcome PowerPivot.

    Note that PowerPivot for Excel can pull data not only

    from SQL Server but from almost any database. SQL Server

    2008 R2 is required only to feed PowerPivot workbooks

    shared via SharePoint 2010. The PowerPivot plug-ins for

    Excel 2010 and SharePoint 2010are freely downloadable.

    Reason No. 2 to upgrade to SQL Server 2008 R2: Report

    Parts

    http://www.powerpivot.com/http://www.powerpivot.com/http://www.powerpivot.com/http://www.powerpivot.com/
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    One of my absolute favorite R2 features is the new Report

    Parts, found in Report Builder 3.0. Report Parts allow you

    to publish the different sections of your report to a

    centralized library, where others can grab them to include

    in their own reports. Charts, tables, and other segments

    become components that you can plug into any report you

    wish.

    Let's say you create a chart with complex calculations

    embedded. Maybe it incorporates business rules or complex

    layout formulas. If you publish it as a Report Part,

    everyone else will be able to call upon the same chart in

    their reports. Best of all -- this makes me giddy inside --

    all reports referencing this chart are merely calling an

    instance of the library object itself. If you change the

    logic in the library copy of the chart, the change is

    automatically propagated to all the reports that use it.

    (Downstream users can disconnect a Report Part from the

    library if they don't want it to update.)

    That's a lot of power at your fingertips. Publishing

    these Report Parts was so easy I actually thought I did

    something wrong. I love this feature.

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    Reason No. 3 to upgrade to SQL Server 2008 R2:

    StreamInsight is the name for Microsoft's new complex event

    processing engine, which is implemented as a set of .Net

    classes. StreamInsight makes it very easy to handle the

    processing of events in-flight -- rapidly executing queries

    on a stream of information -- so that you can get to

    decisions or actions faster. There are many use cases for

    this, but one of my favorites is monitoring production

    servers.

    Let's say you're monitoring CPU metrics for a server

    and you don't want to persist every measure to the

    database. With StreamInsight, you could capture the CPU

    events as they happen, aggregate them as you like, and

    persist only the aggregated metrics to the database. You

    could also correlate the CPU metrics with other measures to

    glean real meaning out of them and get more significant

    alerts.

    This is a simple example, but it should give you an

    idea of the types of actions that can be accomplished. Note

    too that StreamInsight is not an out-of-the-box feature,

    but must be written into .Net applications. While

    StreamInsight will take some spin-up for coders to get used

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    to, they'll find that Microsoft has really smoothed the

    way.

    Author: Sean McCown Year: 2010, 09 June

    Available at: http://www.infoworld.com/d/data-

    management/seven-reasons-care-about-sql-server-2008-r2-

    631?page=0,0

    According to Brad Mcgehee (2010) When you create a SQL

    Server Maintenance Plan using the Maintenance Plan Wizard

    or the Maintenance Plan Designer, the SQL Server native

    backup command is used to perform full, differential, and

    transaction log backups. But what if you want to use backup

    compression to reduce the size of your backups and the

    amount of time it takes to perform them? Or what if you

    want to encrypt your backups to protect your organizations

    data, or make the transfer of backup files across networks

    fault-tolerant? If you have the SQL Server 2008 Enterprise

    Edition, backup compression is built in, but if you have

    any other version or edition of SQL Server, or if you want

    encryption or network resilience, then you will need a

    http://www.infoworld.com/d/data-management/seven-reasons-care-about-sql-server-2008-r2-631?page=0,0http://www.infoworld.com/d/data-management/seven-reasons-care-about-sql-server-2008-r2-631?page=0,0http://www.infoworld.com/d/data-management/seven-reasons-care-about-sql-server-2008-r2-631?page=0,0http://www.infoworld.com/d/data-management/seven-reasons-care-about-sql-server-2008-r2-631?page=0,0http://www.infoworld.com/d/data-management/seven-reasons-care-about-sql-server-2008-r2-631?page=0,0http://www.infoworld.com/d/data-management/seven-reasons-care-about-sql-server-2008-r2-631?page=0,0
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    third-party backup program, such as SQL Backupfrom Red

    Gate Software.

    The Maintenance Plan Wizard and the Maintenance Plan

    Designer dont have the ability to automatically include

    third-party backup software as part of a Maintenance Plan.

    Fortunately, there is an easy way around this, and in this

    article I will show you how you can use SQL Backup within a

    Maintenance Plan.

    Author: Brad Mcgehee Year: 2010, 13 January

    Available at: http://bradmcgehee.com/2010/01/13/how-to-use-

    sql-backup-inside-a-maintenance-plan/

    According to Vithal Wadje (2012) to the database user,

    the view appears just like a real table, with a set of

    named columns and rows of data. SQL creates the illusion of

    the view by giving the view a name like a table name and

    storing the definition of the view in the database.

    Views are used for security purpose in databases,

    views restricts the user from viewing certain column and

    rows means by using view we can apply the restriction on

    accessing the particular rows and columns for specific

    http://www.red-gate.com/products/SQL_Backup/index.htmhttp://www.red-gate.com/http://www.red-gate.com/http://bradmcgehee.com/2010/01/13/how-to-use-sql-backup-inside-a-maintenance-plan/http://bradmcgehee.com/2010/01/13/how-to-use-sql-backup-inside-a-maintenance-plan/http://bradmcgehee.com/2010/01/13/how-to-use-sql-backup-inside-a-maintenance-plan/http://bradmcgehee.com/2010/01/13/how-to-use-sql-backup-inside-a-maintenance-plan/http://www.red-gate.com/http://www.red-gate.com/http://www.red-gate.com/products/SQL_Backup/index.htm
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    user. Views display only those data which are mentioned in

    the query, so it shows only data which is returned by the

    query that is defined at the time of creation of the View.

    Advantages:

    Security. Each user can be given permission to access

    the database only through a small set of views that contain

    the specific data the user is authorized to see, thus

    restricting the user's access to stored data

    Query Simplicity. A view can draw data from several

    different tables and present it as a single table, turning

    multi-table queries into single-table queries against the

    view.

    Structural simplicity. Views can give a user a

    "personalized" view of the database structure, presenting

    the database as a set of virtual tables that make sense for

    that user.

    Consistency. A view can present a consistent,

    unchanged image of the structure of the database, even if

    the underlying source tables are split, restructured, or

    renamed.

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    Data Integrity. If data is accessed and entered

    through a view, the DBMS can automatically check the data

    to ensure that it meets the specified integrity

    constraints.

    Logical data independence. View can make the

    application and database tables to a certain extent

    independent. If there is no view, the application must be

    based on a table. With the view, the program can be

    established in view of above, to view the program with a

    database table to be separated.

    Disadvantages:

    Performance. Views create the appearance of a table,

    but the DBMS must still translate queries against the view

    into queries against the underlying source tables. If the

    view is defined by a complex, multi-table query then simple

    queries on the views may take considerable time.

    Update restrictions. When a user tries to update rows

    of a view, the DBMS must translate the request into an

    update on rows of the underlying source tables. This is

    possible for simple views, but more complex views are often

    restricted to read-only.

    Author: Vithal Wadje Year: 2012, 07 December

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    Available at: http://www.c-

    sharpcorner.com/Blogs/10575/advantages-and-disadvantages-

    of-views-in-sql-server.aspx

    Online Lending System

    According to Parshotam (2011) below are the advantages

    of getting a loan. These are also the reasons why many

    apply-for-it:

    There is a loan for just about anything. If you are

    in need of money to purchase a house, you can apply for a

    housing loan. If you need a car, you can apply for a car

    loan. With all the loans available, you will be able to

    purchase everything you need.It helps a person afford an

    expensive purchase. All of us wish to acquire a property.

    However, we do not have the amount of money to make the

    purchase. Loans allow us to do this. They lend us the money

    so that we can finally afford our desired property.

    Payment is staggered, which makes it affordable. This

    enables the person to pay off the loan gradually. If a

    person has chosen a good deal, he should be able to finish

    paying off the loan in the time specified.

    http://www.c-sharpcorner.com/Blogs/10575/advantages-and-disadvantages-of-views-in-sql-server.aspxhttp://www.c-sharpcorner.com/Blogs/10575/advantages-and-disadvantages-of-views-in-sql-server.aspxhttp://www.c-sharpcorner.com/Blogs/10575/advantages-and-disadvantages-of-views-in-sql-server.aspxhttp://www.c-sharpcorner.com/Blogs/10575/advantages-and-disadvantages-of-views-in-sql-server.aspxhttp://www.c-sharpcorner.com/Blogs/10575/advantages-and-disadvantages-of-views-in-sql-server.aspxhttp://www.c-sharpcorner.com/Blogs/10575/advantages-and-disadvantages-of-views-in-sql-server.aspx
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    One gets the funding he needs. If a person wants to

    start a business, he can do so by applying for a business

    loan. He does not have to wait for his savings to build up

    before he can start his own business. They can also use the

    amount they loan for investment purposes.

    Getting a loan is very helpful to start building your

    dream. However, you have to be very careful with your

    decisions. This is because of the problems you will

    possibly encounter if you mismanage your loans and other

    debts. If you have multiple loans, make sure to manage it

    well. Make sure that you manage your loans from the start.

    Keep in mind that loans have disadvantages too.

    Author: Parshotam Year: 2011

    Available at: http://www.studymode.com/essays/Advantages-

    And-Disadvantages-Of-Loan-System-630552.html

    According to Luke Arthur (2013) mortgage lending has

    begun to transition to the Internet as more lenders look to

    increase their online presence. Some lenders specialize in

    online lending and do not have brick-and-mortar locations

    for you to visit. Getting involved with this type of loan

    http://www.studymode.com/essays/Advantages-And-Disadvantages-Of-Loan-System-630552.htmlhttp://www.studymode.com/essays/Advantages-And-Disadvantages-Of-Loan-System-630552.htmlhttp://www.studymode.com/essays/Advantages-And-Disadvantages-Of-Loan-System-630552.htmlhttp://www.studymode.com/essays/Advantages-And-Disadvantages-Of-Loan-System-630552.html
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    can be simple, but at the same time it could lead to a

    potential scam.

    Function. An online mortgage is one that you apply for

    and accept completely through the Internet. Lenders that

    use this method have a website that allows you to fill out

    your mortgage application and submit it. You provide all

    the same information that you normally would with a loan

    application and then the lender evaluates it. The lender

    will generally send an appraiser to evaluate the house and

    determine its value. A representative from the company will

    then meet you at the closing to complete the transaction.

    Benefits. One of the benefits of this type of mortgage

    is that it can save you time. You do not have to physically

    travel to a lender to get access to a loan. You can fill

    out the application on your own time and the lender can get

    back to you. Another benefit of online lenders is that they

    can often offer better rates because they do not have the

    overhead costs of traditional mortgage lenders.

    Author: Luke Arthur Year: 2013

    Available at: http://www.ehow.com/about_7462640_advantages-

    disadvantages-online-mortgages.html

    http://www.ehow.com/about_7462640_advantages-disadvantages-online-mortgages.htmlhttp://www.ehow.com/about_7462640_advantages-disadvantages-online-mortgages.htmlhttp://www.ehow.com/about_7462640_advantages-disadvantages-online-mortgages.htmlhttp://www.ehow.com/about_7462640_advantages-disadvantages-online-mortgages.html
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    According to Angie Mohr (2012) When shopping for a

    mortgage, many home buyers enlist the services of

    a mortgage brokerto find them the best terms and rates.

    Since the real estate market crash in 2008, however, the

    business practices of brokers have come under scrutiny and

    the question of whether they are acting in the customers'

    best interests has been raised. Working with an

    experienced, competent mortgage broker can help you find

    the right mortgage, but there are both advantages and

    disadvantages that you should consider before committing to

    one.

    Advantages:

    Saves You The Legwork

    Mortgage brokers have regular contact with a wide variety

    of lenders, some of whom you may not even know about. The

    alternative to working with a broker is to call up dozens

    of lenders and compare their mortgage terms and rates on

    your own. A broker saves you the time and headache of

    having to do that. A broker also can steer you away from

    certain lenders with onerous payment termsburied in their

    mortgage contracts.

    Brokers May Have More Access Some lenders work exclusively

    http://www.investopedia.com/terms/m/mortgagebroker.asphttp://www.investopedia.com/financial-edge/0709/7-ways-to-avoid-low-rate-mortgage-shams.aspxhttp://www.investopedia.com/financial-edge/0709/7-ways-to-avoid-low-rate-mortgage-shams.aspxhttp://www.investopedia.com/terms/m/mortgagebroker.asp
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    with mortgage brokers and rely on them to be the

    gatekeepers to bring them suitable clients. You may not be

    able to call some lenders up directly to get a retail

    mortgage. Brokers may also be able to get special rates

    from lenders due to the volume of business generated that

    might be lower than you can get on your own.

    You May Save Some Fees

    There are severaldifferent types of feesthat can be

    involved in taking on a new mortgage or working with a new

    lender, including origination fees, application fees,

    and appraisalfees. In some cases, mortgage brokers may be

    able to get lenders to waive some or all of these fees

    which can save you hundreds to thousands of dollars.

    Disadvantages:

    Brokers' Interests May Not Align With Your Own

    Your ultimate goal in shopping for a mortgage is to find

    one with an affordable interest rate and low fees. You are

    in it for the long haul. A mortgage broker, on the other

    hand, often gets paid a fee from the lender for bringing in

    the business. This fee can be based on the amount of the

    mortgage, and will vary amongst lenders. A broker's goal,

    therefore, is to get you into a mortgage that maximizes

    http://www.investopedia.com/articles/pf/05/032205.asphttp://www.investopedia.com/articles/pf/05/032205.asphttp://www.investopedia.com/university/mortgage/mortgage3.asphttp://www.investopedia.com/terms/a/appraisal.asphttp://www.investopedia.com/terms/a/appraisal.asphttp://www.investopedia.com/university/mortgage/mortgage3.asphttp://www.investopedia.com/articles/pf/05/032205.asphttp://www.investopedia.com/articles/pf/05/032205.asp
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    their compensation. The 2008 market crash revealed that

    many brokers were getting their clients into mortgages that

    they could not afford over time.

    How to pick your next hotel stay:

    You May Not Be Getting The Best Deal

    Many homebuyers simply assume that a broker can deliver a

    better deal than they could get on their own, but this is

    not always the case. Some lenders may offer homebuyers the

    exact same terms and rates that they offer mortgage brokers

    (sometimes, even better). It never hurts to shop around on

    your own to see if your broker is really offering you a

    great deal.

    Brokers Often Do Not Guarantee Estimates

    When a mortgage broker first presents you with offers from

    lenders, they often use the term "good faith estimate."

    This means that the broker believes that the offer will

    embody the final terms of the deal, but this is not always

    the case. In some cases, the lender may change the terms

    based on your actual application and you may end up paying

    a higher rate or additional fees.

    Some Lenders Do Not Work With Mortgage Brokers At All

    This is an increasing trend since 2008, as some lenders are

    http://www.investopedia.com/articles/economics/09/subprime-market-2008.asphttp://web.industrybrains.com/clicks.php?appId=9521&zid=527189afcefd6&adId=72667&pos=1&impt=1388584849.883766564625&zoneId=689&url=http%3A%2F%2Fwww.investopedia.com%2Ffinancial-edge%2F1112%2Fadvantages-and-disadvantages-of-using-a-mortgage-broker.aspxhttp://www.investopedia.com/terms/g/good_faith_estimate.asphttp://www.investopedia.com/terms/g/good_faith_estimate.asphttp://web.industrybrains.com/clicks.php?appId=9521&zid=527189afcefd6&adId=72667&pos=1&impt=1388584849.883766564625&zoneId=689&url=http%3A%2F%2Fwww.investopedia.com%2Ffinancial-edge%2F1112%2Fadvantages-and-disadvantages-of-using-a-mortgage-broker.aspxhttp://www.investopedia.com/articles/economics/09/subprime-market-2008.asp
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    The two biggest such 'peer-to-peer'

    lenders, LendingClub.comand Prosper.com, offer borrowers

    lower rates than banks, and offer investors a better return

    than they could get from putting their money in a CD. Both

    companies are headquartered in the San Francisco Bay area,

    and both are licensed in most states. Rates and rules for

    the two are similar.

    Chris Larsen, CEO and co-founder of Prosper, calls

    peer-to-peer lending a throwback to the way small loans

    used to be made to ordinary people, before credit cards

    came into wide use. "We've brought back the simple, basic

    installment loanthe kind you can use for home improvement,

    debt consolidation, buying a car or paying for school.

    These are unsecured loans of anywhere from a few thousand

    dollars up to $25,000, at low fixed rates. The terms aren't

    tricky. There are no repayment penalties, no 'gotcha'

    fees."

    True, he says, his lenders are, "looking for a nice

    return." But many bring an attitude to their lending that's

    different from what one finds at banks: "They're interested

    in helping other Americans, in impacting other people's

    lives directly."

    http://www.lendingclub.com/home.actionhttp://www.prosper.com/http://www.prosper.com/http://www.lendingclub.com/home.action
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    While investors' money does not enjoy the FDIC

    protection it would have at a bank, it enjoys a better than

    10% return. Plus, lenders can diversify their risk by

    dividing their investment, if they want, across hundreds of

    different loan accounts in increments as small as $25.At

    LendingClub, a borrower with a good credit rating can

    expect to pay an interest rate five percentage points lower

    than at a bank. CEO and co-founder Renaud Laplanche says

    what he and Larsen have done is eliminate the middle-man.

    "By creating a platform where investors can make loans

    directly to prime consumers, we eliminate the intermediary.

    Most people don't think of banks as middlemen, but that's

    exactly what they are: They collect money in CDs and

    savings and give you a half percent, then turn around and

    lend it out at 16% or 18% as unsecured credit. The spread

    goes not so much for profit as to pay for branches and

    other infrastructure costs." Having no such infrastructure

    costs, Laplanche can afford to offer borrowers and lenders

    better terms.

    LendingClub, with an 80% share of the peer-to-peer

    market, is growing at a rate of 10% a month. "We issued

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    $13.5 million in loans in December," says Laplanche, "up

    from $12 million in November. If you compound our growth

    rate, we'll be the size of Citibankin three years."

    Since its start in 2007, LendingClub has funded nearly $204

    million worth of loans and has paid over $15.6 million to

    its investors.Borrower John Good, 29, turned to LendingClub

    out of frustration. Good, owner of Bubbles Galore, a car

    wash in Davison, Mich., wanted to expand his business by

    adding a dog washing service. "My wife and I love car

    washing, but diversification is key."

    But when he told his bank about his plan, they told

    him he was all wet. "They stuck up their noses up at the

    idea," he said. "Nothing is worse for a business owner

    who's attempting to bring an idea to fruition than to be

    told it's terrible and won't work.

    Author: Alan Farnham Year: 2011, 6 January

    Available at: http://abcnews.go.com/Business/online-peer-

    peer-loans-benefit-borrowers-lenders/story?id=12547398

    http://www.citibank.com/us/home.htmhttp://bubblesgalorecarwash.com/default.aspxhttp://abcnews.go.com/Business/online-peer-peer-loans-benefit-borrowers-lenders/story?id=12547398http://abcnews.go.com/Business/online-peer-peer-loans-benefit-borrowers-lenders/story?id=12547398http://abcnews.go.com/Business/online-peer-peer-loans-benefit-borrowers-lenders/story?id=12547398http://abcnews.go.com/Business/online-peer-peer-loans-benefit-borrowers-lenders/story?id=12547398http://bubblesgalorecarwash.com/default.aspxhttp://www.citibank.com/us/home.htm
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    According to SBA Gov. online payment services allow

    business and consumers to exchange money electronically

    over the Internet. With an online payment service, your

    business can receive payment from virtually any customer

    with an email account. Online payment services have

    recently become very popular with businesses and consumers.

    Advantages of Online Payment Services:

    Online payment services can either replace or

    supplement your decision to accept credit and debit cards.

    Opening an online payment account is often faster and

    easier than setting up a Merchant Account (which is

    required to accept credit and debit card payments). Online

    payment accounts typically incur smaller fees than a

    traditional Merchant Account, which can have a big impact

    on businesses with many small transactions. From a

    customer-service perspective, it's beneficial to have

    multiple payment options available. Online payment services

    are also user-friendly and can simplify the payment process

    by storing customer card information or billing customers

    at a later date.

    Disadvantages of Online Payment Services:

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    service provider plans for the most current security

    technology.

    Shopping Cart Services:

    Online payment services require a virtual shopping

    cart. Virtual shopping carts allow businesses to accept

    orders on multiple products from their website. A shopping

    cart can calculate the total, tax, and shipping costs of an

    order, in addition to collecting customer account and

    shipping information.

    Some online payment service providers offer free

    shopping cart services to businesses. If your online

    payment service does not provide a free, secure shopping

    cart option, third-party shopping cart services can be

    used.

    Author: SBA Gov.

    Available at: http://www.sba.gov/content/online-payment-

    services

    http://www.sba.gov/content/online-payment-serviceshttp://www.sba.gov/content/online-payment-serviceshttp://www.sba.gov/content/online-payment-serviceshttp://www.sba.gov/content/online-payment-services
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    .NET computing programming

    According to Jonathan (2011) think of .NET as an

    artificial CPU and virtual hardware all rolled into one.

    The language it understands is MSIL (Microsoft Intermediate

    Language) and is now called CIL (Common Intermediate

    Language.) .NET includes a just in time (JIT) compiler that

    translates the CIL language into local CPU machine code.

    .NET programs can be precompiled from CIL to machine code

    on the target during installation it makes the installation

    longer, but spares the JIT steps at execution. VB.NET, C#,

    and f# are all .NET languages, in that they do NOT compile

    to machine code but instead compile to CIL. (CIL is kind of

    like a push/pop assembly language for a virtual, object-

    based CPU that is very fancy and keeps track of object

    lifetimes.) C++ on the other hand compiles into machine

    code for a target machine, not CIL.

    Except for the JIT compiler step, the CIL is really more

    like a very low level interpreter language. And it can be

    interpreted. It can also be uncompiled back into the source

    code, too, since the compiled output has enough clues to

    allow that process to work pretty well.

    Microsoft provides a fair portion of .NET in open source

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    form so that it can be ported to other machines by those

    interested in doing so.

    So. VB.NET and c# and f# compiles the code you write into

    CIL, which gets compiled into machine code when you start

    it. If you move the compiled CIL executable to a different

    target machine that supports the .NET framework, then that

    machine will also compile the CIL into its own machine code

    when you start it there. This makes the result portable to

    any system that can handle the CIL compilation at run time

    (or just interpret it, but that would be very slow, I

    think.) C++ doesn't do any of that. C++ generates machine

    code.

    .NET is growing. 1.0 wasn't really ready for prime

    time. 2.0 is good enough for most work. There is also 3.5

    and 4.0. As Microsoft adds more into the .NET framework,

    you find you need less and less unmanaged memory and use

    less and less of the Win32 calls that C++ still must use a

    lot of. Microsoft would like you to stop using Win32,

    altogether. But it isn't possible yet, as they haven't got

    all of that ported into .NET yet. So .NET is also like a

    combined operating system, interpreter, object handler, JIT

    compiler type of Swiss Army Knife. And it is a good thing

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    these cp us run with multi-cores and at GHz rates with

    dozens of gigs of main memory, multilevel of cache, and a

    front side bus that is fully transaction parallelized.

    Otherwise the whole thing would run like a turtle.

    Author: Jonathan Year: 2011

    Available at:

    http://answers.yahoo.com/question/index?qid=20120209174355A

    AbZxtZ

    According to TechMelt (2006) .NET is an object-

    oriented programming (OOP) model introduced to help

    developers create Internet-based distributed systems. It

    provides a platform-independent framework that enables

    developers to quickly build, deploy, and manage Web-based

    applications, smart client applications, and XML Web

    services applications. The platform-independence feature

    enables businesses to quickly integrate their systems,

    information, and devices, thereby helping users collaborate

    and communicate effectively.

    http://answers.yahoo.com/question/index?qid=20120209174355AAbZxtZhttp://answers.yahoo.com/question/index?qid=20120209174355AAbZxtZhttp://answers.yahoo.com/question/index?qid=20120209174355AAbZxtZhttp://answers.yahoo.com/question/index?qid=20120209174355AAbZxtZ
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    COM and DNA. Before the development of .NET, COM and

    DNA technologies were used for application development on

    Microsoft platforms. COM is Microsofts framework for

    developing and supporting program component objects. DNA is

    a framework that integrates Web applications with the n-

    tier model of development. It is used to develop cost-

    effective solutions that can meet the demands of the

    Internet, intranet, global e-commerce, and corporate

    computing.

    Drawbacks of Pre .NET Technologies. Programmers mostly

    used Microsoft Visual Basic (VB) and Microsoft Visual C++

    (VC++) for developing applications using the COM/DNA

    technologies. However, these technologies and the

    programming languages had several drawbacks.

    Limitations of VC++ in COM/DNA Applications. The other

    language used by programmers to work with COM and DNA

    applications was VC++. However, VC++ is a complex language.

    It has too many data types. Additionally, exchange of data

    between different layers was difficult because of data type

    compatibility issues. To resolve such issues, developers

    had to be familiar with various libraries, such as Software

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    Development Kit (SDK), Microsoft Foundation Class (MFC),

    Active Template Library (ATL), and COM.

    Drawbacks of COM/DNA. Apart from the limitations

    resulting from VB and VC++, the COM/DNA technologies had

    several other drawbacks. These drawbacks became apparent as

    these technologies were extended into larger enterprise-

    level settings and as integration with the Internet became

    necessary. Some such drawbacks of COM/DNA technologies

    included difficulty in integrating Internet technologies,

    difficulty in side-by-side execution of components, and

    deployment issues.

    Difficulty in Integrating Internet Technologies. The

    growth of the Internet has lead to the need of a tool for

    developing Internet-based technologies. To address this

    need, Microsoft developed ASP. However, ASP was not meant

    for structured and object-oriented development. It was also

    difficult to design, debug, and maintain ASP code.

    The existing technologies lacked the ability to communicate

    with users through HyperText Transfer Protocol (HTTP) and

    HyperText Markup Language (HTML). Developers required a

    standard that could enable processes to communicate over

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    the Internet. However, COM and DNA did not provide any such

    standard.

    COM and Deployment. COM components are difficult to

    deploy. The COM standard was developed for use on systems

    having limited memory and was designed with a focus on

    memory sharing between applications. The Dynamic Link

    Libraries (DLLs) on such systems were shared between

    applications to save memory.

    Deployment Issues. The process of sharing DLLs between

    applications resulted in several deployment issues. DLLs

    had to be registered in the local Windows Registry so that

    components required to run an application could be located

    quickly. This resulted in other limitations. For instance,

    you could not place a COM application on a CD-ROM or a

    network drive and then run it from that location without an

    installation procedure.

    Benefits of .NET. To address the limitations of COM

    and DNA, Microsoft designed the .NET platform for Internet-

    based applications. .NET manages the scripting limitations

    of COM and DCOM and makes component development an easy

    task. .NET provides the core technologies for developing

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    Web services. Therefore, it not only benefits

    individual users but also organizations and developers.

    Two major benefits of .NET include side-by-side execution

    of code and decentralized registration of components.

    Author: TeachMelt Year: 2006, 13 June

    Available at: http://www.webpronews.com/net-overview-

    advantages-and-features-2006-06

    According to Ted Pattison (2001) Visual Basic .NET is

    the result of a significant rebuild of Visual Basic for the

    Microsoft .NET Framework. There are a number of changes

    that make Visual Basic .NET easier to use, more powerful

    than Visual Basic 6.0, and give it the kind of access to

    system resources that in the past required the use of

    languages like C++. One of the most important additions is

    object inheritance. In Visual Basic .NET, all managed types

    derive from System Object. An important new language

    feature is garbage collection, which is administered by the

    Common Language Runtime and provides better memory

    management. The universal type system allows for greater

    http://www.webpronews.com/net-overview-advantages-and-features-2006-06http://www.webpronews.com/net-overview-advantages-and-features-2006-06http://www.webpronews.com/net-overview-advantages-and-features-2006-06http://www.webpronews.com/net-overview-advantages-and-features-2006-06
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    interoperability, also contributing to the enhanced power

    and flexibility found in Visual Basic .NET. f you haven't

    done so already, it's time to get a handle on the Visual

    Basic .NET programming language. My goal in this article is

    to provide you with an introductory, yet intensive, look at

    Visual Basic .NET and the new Microsoft.NET platform. In

    order to learn what Visual Basic .NET is all about, you

    must first understand a few core aspects of the .NET

    platform. This article will build your knowledge of Visual

    Basic .NET from the ground up, so I'll begin by discussing

    the new programming model and the high-level architecture

    of the platform's execution engine called the common

    language runtime (CLR).

    While explaining what the CLR is and how it works,

    I'll show a few examples using Visual Basic .NET. As you'll

    see, Visual Basic has undergone a significant overhaul to

    accommodate the CLR and its associated programming model.

    Consequently, Visual Basic .NET has many new object-

    oriented design features and much higher levels of type

    safety than previous versions of Visual Basic.

    It is also important to know that Visual Basic .NET

    omits quite a few forms of syntax that were used in

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    previous versions of Visual Basic. This means code written

    in Visual Basic 6.0 will not compile until you make a

    number of modifications. Furthermore, writing the best

    possible code in Visual Basic .NET usually involves using

    features and syntax that are not supported in Visual Basic

    6.0. As a result, migrating Visual Basic 6.0 projects to

    Visual Basic .NET typically requires a rewrite rather than

    a simple port.

    Migrating a Visual Basic 6.0 project to Visual Basic

    .NET could also involve significant rewriting due to

    dependencies on older libraries such as the Visual Basic

    for Applications (VBA) runtime or ActiveX Data Objects

    (ADO). To become an effective .NET programmer, you should

    fully embrace the shared class libraries that are built

    into the CLR.

    Visual Basic .NET is one of several new languages that

    have been designed specifically for the CLR and the .NET

    Framework. Another language that's getting a good deal of

    attention is C#. Like many other programmers using Visual

    Basic you're probably curious about how C# compares to

    Visual Basic .NET. Like Visual Basic .NET, C# is a language

    designed exclusively to target the CLR and the .NET

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    platform. However, unlike Visual Basic .NET, C# has been

    designed to be especially friendly to programmers who are

    already proficient in C and C++. Throughout this article,

    I'll point out a few key differences that might lead you to

    prefer one of these languages over the other. However, I

    truly believe that either language can be used to write

    software that takes full advantage of the CLR and the .NET

    Framework. Now, let me get started by introducing the core

    concepts of the .NET platform.

    Author: Ted Pattison Year: 2001

    Available at: http://msdn.microsoft.com/en-

    us/magazine/cc302016.aspx

    According to Vivek Rohil (2013) the CLR, Common

    Language Runtime, is one of the most essential components

    of the .NET Framework. It provides an environment for the

    application to run. The CLR or the runtime provides

    functionalities, such as exception handling, security,

    debugging, and versioning support to the applications.

    http://msdn.microsoft.com/en-us/magazine/cc302016.aspxhttp://msdn.microsoft.com/en-us/magazine/cc302016.aspxhttp://msdn.microsoft.com/en-us/magazine/cc302016.aspxhttp://msdn.microsoft.com/en-us/magazine/cc302016.aspx
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    Here're some of the features provided by the CLR:

    Automatic memory management: allocates and de-

    allocates memory to the application as and when required.

    Standard type system: provides a set of common data

    types in the form of Common Type System (CTS). This means

    that the size of integer and long variables is the same

    across all programming languages.

    Language Inter-operability: provides the ability of

    an application to interact with another application

    written in a different programming language. This also

    helps maximize code reuse.

    Platform independence: allows execution of a code

    from any platform that supports the .NET CLR.

    Security management: applies restrictions on the

    code to access the resources of a computer.

    The CLR can host a variety of languages and offers a common

    set of tools across these languages, ensuring inter-

    operability between the codes. The code developed with a

    language compiler that targets the CLR is called a managed

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    code. Alternatively, the code that is developed without

    considering the conventions and requirements of the common

    language runtime is called unmanaged code. Unmanaged code

    executes in the common language runtime environment with

    minimal services. For example, unmanaged code may run with

    limited debugging and without the garbage collection

    process. The components of SQL Server and the .NET

    Framework provide various features to thedatabase server.

    These features help the developers to manage data in an

    efficient way.

    Author: Vivek Rohil Year: 2013, 5 December

    Available at:

    http://dotprogramming.blogspot.com/2013/12/clr-features-

    net-framework-sqlserver.html

    According to Stephen Davis (2008) unfortunately,

    computers don't understand human language, they have their

    own languages. But programmers can create programs in a

    "middle ground" language that is not nearly as free as

    human speech but a lot more flexible and easy to use than

    machine language. The languages occupying this middle

    http://dotprogramming.blogspot.com/2013/12/clr-features-net-framework-sqlserver.htmlhttp://dotprogramming.blogspot.com/2013/12/clr-features-net-framework-sqlserver.htmlhttp://dotprogramming.blogspot.com/2013/12/clr-features-net-framework-sqlserver.htmlhttp://dotprogramming.blogspot.com/2013/12/clr-features-net-framework-sqlserver.html
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    ground C#, for example are called high-levelcomputer

    languages.

    C#. The C# programming language is one of those

    intermediate languages that programmers use to create

    executable programs. C# combines the range of the powerful-

    but-complicated C++ with the ease of use of the friendly

    but more verbose Visual Basic. (Visual Basic's newer .NET

    incarnation is almost on par with C# in most respects. As

    the flagship language of .NET, C# tends to introduce most

    new features first.) A C# program file carries the

    extension .CS.

    C# is:

    Flexible. C# programs can execute on the current

    machine, or they can be transmitted over the Web and

    executed on some distant computer.

    Powerful. C# has essentially the same command set as

    C++, but with the rough edges filed smooth.

    Easier to use. C# error-proofs the commands

    responsible for most C++ errors, so you spend far less time

    chasing down those errors.

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    Visually oriented. The .NET code library that C# uses

    for many of its capabilities provides the help needed to

    readily create complicated display frames with drop-down

    lists, tabbed windows, and background images, to name just

    a few.

    Internet-friendly. C# plays a pivotal role in the .NET

    Framework, Microsoft's current approach to programming for

    Windows, the Internet, and beyond.

    Secure. Any language intended for use on the Internet

    must include serious security to protect against malevolent

    hackers.

    .NET:

    .NET began as Microsoft's strategy to open up the Web

    to mere mortals. Today it's bigger than that, encompassing

    everything Microsoft does. In particular, it's the new way

    to program for Windows. It also gives a C-based language,

    C#, the simple, visual tools that made Visual Basic so

    popular. A little background will help you see the roots of

    C# and .NET.

    Internet programming was traditionally very difficult

    in older languages like C and C++. Sun Microsystems

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    responded to that problem by creating the Java programming

    language. To create Java, Sun took the grammar of C++, made

    it a lot more user-friendly, and centered it around

    distributed development.

    When Microsoft licensed Java some years ago,