🏦 Bharat Pay - Modern Banking Application

https://bharatpay-flaskbank-2.onrender.com/

A full-stack, production-ready banking web application with modern UI/UX, real-time insights, secure transactions, and comprehensive admin controls.

Features • Quick Start • Tech Stack • Documentation • Screenshots

📋 Table of Contents

Overview
Features
Tech Stack
Project Structure
Quick Start
Configuration
User Roles
API Routes
Database Schema
Security Features
Screenshots
Development
Deployment
Contributing
License

🌟 Overview

Bharat Pay is a modern, full-stack banking application built with Flask and designed for educational purposes and rapid prototyping. It features a beautiful, responsive UI built with Tailwind CSS, comprehensive transaction management, real-time financial insights, and a powerful admin dashboard.

Why Bharat Pay?

✅ Production-Ready: Secure authentication, CSRF protection, and validated transactions
✅ Modern UI/UX: Responsive design with Tailwind CSS, smooth animations, and intuitive navigation
✅ Real-Time Insights: Dynamic charts, transaction analytics, and financial trends
✅ Admin Controls: User management, profile approvals, and transaction monitoring
✅ Beneficiary System: Save frequent recipients for quick transfers
✅ One-Command Setup: Automated initialization script handles everything

✨ Features

🔐 Authentication & Security

Secure Registration: Email validation, password strength requirements, bcrypt hashing
Login System: Session-based authentication with remember-me functionality
Profile Management: User onboarding with business details (PAN, GST, Aadhaar)
Account Verification: Admin approval system for profile changes
CSRF Protection: Form security with Flask-WTF tokens

💳 Banking Operations

Account Management: Unique 13-digit account numbers (ACC format) and 16-digit card numbers
Deposits: Add funds with transaction history tracking
Transfers: Account-to-account money transfers with validation
Withdrawals: Secure cash-out functionality with balance verification
Mobile Recharge: Direct recharge with transaction logging
Receipt Generation: Downloadable transaction receipts with templates

👥 Beneficiary System

Save Recipients: Store frequently used transfer recipients
Quick Send: One-click transfers to saved beneficiaries
Nickname Support: Custom names for easy identification
Favorites: Mark important beneficiaries
Usage Tracking: Automatic tracking of last used date and transaction count

📊 Financial Insights Dashboard

Real-Time Balance: Live balance updates with growth indicators
Transaction Analytics: Category breakdown (deposits, transfers, withdrawals, recharges)
Weekly Activity Graph: 7-day volume trend with SVG visualization
Monthly Reports: Month-over-month comparisons
Virtual Card Display: Interactive card with show/hide functionality

👨‍💼 Admin Dashboard

User Management: View, search, and manage all users
Profile Approvals: Review and approve user profile changes
Transaction Monitoring: Track all transactions system-wide
Statistics Overview: Total users, pending approvals, transaction volumes
Responsive Layout: Mobile-friendly admin panel with hamburger menu

🎨 User Experience

Responsive Design: Mobile-first approach, works on all devices
Modern UI: Gradient cards, glass morphism, smooth transitions
Quick Actions: Easy access to Send Money, Add Funds, Withdraw
Recent Transactions: At-a-glance transaction history
Dark Mode Ready: Prepared for theme switching (future enhancement)

🛠 Tech Stack

Backend

Flask 3.0.0 - Modern Python web framework
SQLAlchemy 2.0 - ORM for database interactions
PostgreSQL/SQLite - Flexible database support
Bcrypt - Password hashing and security
Flask-Login - Session management
Flask-WTF - Form validation and CSRF protection

Frontend

Tailwind CSS 3.x - Utility-first CSS framework
Font Awesome 6 - Icon library
Vanilla JavaScript - Interactive UI components
Jinja2 - Server-side templating engine

Development Tools

Python 3.11+ - Modern Python features
pip - Package management
Virtual Environment - Isolated dependencies

📁 Project Structure

Flask-Banking-App/
├── 📄 start.py                      # Unified initialization & startup script
├── 📄 run.py                        # Flask application entrypoint
├── 📄 config.py                     # Configuration management
├── 📄 create_db.py                  # Database creation script
├── 📄 tables.py                     # Database table inspector
├── 📄 requirements.txt              # Python dependencies
├── 📄 README.md                     # This file
│
├── 📂 app/
│   ├── 📄 __init__.py               # Flask app initialization
│   ├── 📄 decorators.py             # Custom decorators (@approved_required, @admin_required)
│   │
│   ├── 📂 models/
│   │   └── 📂 user/
│   │       ├── 📄 user.py           # User model (account_number, card_number, balance)
│   │       ├── 📄 transaction.py    # Transaction model (transfers, deposits, etc.)
│   │       └── 📄 beneficiary.py    # Beneficiary model (saved recipients)
│   │
│   ├── 📂 routes/
│   │   ├── 📂 root/                 # Public routes
│   │   │   ├── 📄 index.py          # Homepage
│   │   │   ├── 📄 login.py          # User login
│   │   │   ├── 📄 register.py       # User registration
│   │   │   ├── 📄 about.py          # About page
│   │   │   ├── 📄 contact.py        # Contact page
│   │   │   └── 📄 services.py       # Services page
│   │   │
│   │   ├── 📂 user/                 # Protected user routes
│   │   │   ├── 📄 dashboard.py      # Main dashboard with insights
│   │   │   ├── 📄 deposit.py        # Add funds
│   │   │   ├── 📄 transfer.py       # Money transfers
│   │   │   ├── 📄 withdraw.py       # Cash withdrawals
│   │   │   ├── 📄 recharge.py       # Mobile recharges
│   │   │   ├── 📄 transaction_history.py  # Transaction logs
│   │   │   ├── 📄 receipt.py        # Receipt generation
│   │   │   ├── 📄 beneficiaries.py  # Manage beneficiaries
│   │   │   └── 📄 profile.py        # User profile management
│   │   │
│   │   └── 📂 admin/                # Admin-only routes
│   │       ├── 📄 dashboard.py      # Admin overview
│   │       ├── 📄 users.py          # User management
│   │       ├── 📄 profile_changes.py # Profile approval system
│   │       └── 📄 transactions.py   # Transaction monitoring
│   │
│   ├── 📂 static/
│   │   ├── 📂 root/assets/          # Public assets (CSS, JS, images)
│   │   └── 📂 user/assets/          # User dashboard assets
│   │
│   └── 📂 templates/
│       ├── 📂 root/                 # Public templates
│       │   ├── 📄 default.html      # Base layout
│       │   ├── 📄 index.html
│       │   ├── 📄 login.html
│       │   └── 📄 register.html
│       │
│       ├── 📂 user/                 # User templates
│       │   ├── 📄 default.html      # User base layout
│       │   ├── 📄 index.html        # Dashboard
│       │   ├── 📄 transfer.html
│       │   └── 📄 ...
│       │
│       └── 📂 admin/                # Admin templates
│           ├── 📄 default.html      # Admin base layout
│           ├── 📄 dashboard.html
│           └── 📄 ...
│
└── 📂 instance/
    └── 📄 banking.db                # SQLite database (auto-generated)

🚀 Quick Start

Prerequisites

Python 3.11 or higher
pip (Python package manager)
Git (optional)

One-Command Setup (Recommended)

# Clone the repository (or download ZIP)
git clone <repository-url>
cd Flask-Banking-App

# Run the unified startup script
python start.py

That's it! The script will:

✅ Install all dependencies from requirements.txt
✅ Create the database and tables
✅ Create default admin user (admin@bwavebank.com / admin123)
✅ Start the Flask development server

Open your browser to: http://127.0.0.1:5000

Manual Setup (Alternative)

# 1. Clone the repository
git clone <repository-url>
cd Flask-Banking-App

# 2. Create virtual environment (optional but recommended)
python -m venv venv

# Windows
venv\Scripts\activate

# macOS/Linux
source venv/bin/activate

# 3. Install dependencies
pip install -r requirements.txt

# 4. Create database and tables
python create_db.py

# 5. Run the application
python3 start.py

Default Admin Credentials

Email: admin@bwavebank.com
Password: admin123

⚠️ Security Note: Change the admin password immediately after first login in production environments.

⚙️ Configuration

Environment Variables

Create a .env file in the root directory (optional, defaults work for development):

# Database Configuration
DB_URI=sqlite:///instance/banking.db
# For PostgreSQL:
# DB_URI=postgresql+psycopg2://user:password@localhost:5432/banking_db

# Flask Configuration
SECRET_KEY=your-secret-key-here-change-in-production
DEBUG=True

# Optional Settings
AUTO_CREATE_TABLES=True
FLASK_ENV=development

Configuration Options

Variable	Description	Default
`DB_URI`	Database connection string	`sqlite:///instance/banking.db`
`SECRET_KEY`	Flask session encryption key	Auto-generated
`DEBUG`	Enable debug mode	`True`
`AUTO_CREATE_TABLES`	Auto-create missing tables	`True`

Database Configuration

SQLite (Default - Development)

DB_URI = "sqlite:///instance/banking.db"

PostgreSQL (Production)

DB_URI = "postgresql+psycopg2://username:password@localhost:5432/banking_db"

👥 User Roles

Regular User

View personal dashboard with financial insights
Perform transactions (deposit, transfer, withdraw, recharge)
Manage beneficiaries
View transaction history
Generate transaction receipts
Update profile (requires admin approval)

Administrator

Access admin dashboard with system statistics
Manage all users (view, search, delete)
Approve/reject profile change requests
Monitor all transactions system-wide
View pending approvals and alerts

🔌 API Routes

Public Routes

GET  /                    - Homepage
GET  /about               - About page
GET  /services            - Services page
GET  /contact             - Contact page
GET  /login               - Login page
POST /login               - Process login
GET  /register            - Registration page
POST /register            - Process registration
GET  /logout              - Logout user

User Routes (Protected)

GET  /dashboard           - Main dashboard with insights
GET  /deposit             - Deposit page
POST /deposit             - Process deposit
GET  /transfer            - Transfer money page
POST /transfer            - Process transfer
GET  /withdraw            - Withdrawal page
POST /withdraw            - Process withdrawal
GET  /recharge            - Recharge page
POST /recharge            - Process recharge
GET  /transaction-history - View all transactions
GET  /receipt/<id>        - Generate transaction receipt
GET  /beneficiaries       - Manage beneficiaries
POST /beneficiaries/add   - Add new beneficiary
POST /beneficiaries/delete/<id> - Remove beneficiary
GET  /profile             - User profile
POST /profile             - Update profile

Admin Routes (Admin Only)

GET  /admin/dashboard     - Admin overview
GET  /admin/users         - User management
GET  /admin/profile-changes - Profile approval queue
POST /admin/approve/<id>  - Approve profile change
POST /admin/reject/<id>   - Reject profile change
GET  /admin/transactions  - Transaction monitoring
POST /admin/delete-user/<id> - Delete user

🗄️ Database Schema

Users Table

CREATE TABLE users (
    id INTEGER PRIMARY KEY,
    full_name VARCHAR(100) NOT NULL,
    email VARCHAR(120) UNIQUE NOT NULL,
    password_hash VARCHAR(255) NOT NULL,
    account_number VARCHAR(16) UNIQUE,  -- ACC1234567890123
    card_number VARCHAR(16) UNIQUE,     -- 16-digit card
    balance NUMERIC(12, 2) DEFAULT 0.00,
    is_admin BOOLEAN DEFAULT FALSE,
    is_approved BOOLEAN DEFAULT TRUE,
    
    -- Onboarding Fields
    business_name VARCHAR(150),
    pan_card VARCHAR(10),
    gst_number VARCHAR(15),
    aadhaar_number VARCHAR(12),
    address TEXT,
    
    created_at DATETIME DEFAULT NOW
);

Transactions Table

CREATE TABLE transactions (
    id INTEGER PRIMARY KEY,
    user_id INTEGER NOT NULL,
    recipient_id INTEGER,
    recipient_name VARCHAR(100),
    recipient_card_number VARCHAR(16),  -- Stores account_number
    amount NUMERIC(12, 2) NOT NULL,
    type VARCHAR(25) NOT NULL,  -- transfer, deposit, withdrawal, recharge
    description TEXT,
    timestamp DATETIME DEFAULT NOW,
    FOREIGN KEY (user_id) REFERENCES users(id)
);

Beneficiaries Table

CREATE TABLE beneficiaries (
    id INTEGER PRIMARY KEY,
    user_id INTEGER NOT NULL,
    beneficiary_name VARCHAR(100) NOT NULL,
    beneficiary_card_number VARCHAR(16) NOT NULL,  -- Stores account_number
    nickname VARCHAR(50),
    is_favorite BOOLEAN DEFAULT FALSE,
    last_used DATETIME,
    total_transactions INTEGER DEFAULT 0,
    created_at DATETIME DEFAULT NOW,
    FOREIGN KEY (user_id) REFERENCES users(id)
);

Profile Change Log Table

CREATE TABLE profile_change_log (
    id INTEGER PRIMARY KEY,
    user_id INTEGER NOT NULL,
    field_name VARCHAR(50) NOT NULL,
    old_value TEXT,
    new_value TEXT,
    status VARCHAR(20) DEFAULT 'pending',  -- pending, approved, rejected
    requested_at DATETIME DEFAULT NOW,
    reviewed_at DATETIME,
    reviewed_by INTEGER,
    FOREIGN KEY (user_id) REFERENCES users(id)
);

🔒 Security Features

Authentication

✅ Bcrypt Password Hashing - Industry-standard password encryption
✅ Session Management - Secure Flask sessions with secret key
✅ Login Required Decorator - Protected routes with @login_required
✅ Approved User Decorator - Additional layer with @approved_required
✅ Admin Only Decorator - Admin route protection with @admin_required

Transaction Security

✅ Balance Validation - Prevents overdrafts and negative balances
✅ Account Verification - Validates recipient accounts exist
✅ Atomic Transactions - Database commits ensure consistency
✅ Amount Validation - Decimal precision and minimum checks
✅ CSRF Protection - Form tokens prevent cross-site attacks

Data Protection

✅ SQL Injection Prevention - SQLAlchemy ORM parameterized queries
✅ XSS Protection - Jinja2 auto-escaping
✅ Unique Constraints - Email, account_number, card_number uniqueness
✅ Audit Logging - Profile change tracking with timestamps

Best Practices

Environment variables for sensitive data
Separate admin and user permissions
Profile change approval workflow
Transaction history immutability
Password strength requirements (implemented in forms)

📸 Screenshots

User Dashboard

Transfer Money

Admin Dashboard

💻 Development

Running Tests

# Unit tests
python -m pytest tests/

# Coverage report
python -m pytest --cov=app tests/

Database Management

View Tables

python tables.py

Reset Database

# Delete database file
rm instance/banking.db

# Recreate
python create_db.py

Migrations (Recommended for Production)

# Install Flask-Migrate
pip install Flask-Migrate

# Initialize migrations
flask db init

# Create migration
flask db migrate -m "Initial migration"

# Apply migration
flask db upgrade

Code Style

# Format with Black
black app/

# Lint with Flake8
flake8 app/

# Type checking with MyPy
mypy app/

🌐 Deployment

Production Checklist

Deploy with Gunicorn

# Install Gunicorn
pip install gunicorn

# Run with 4 workers
gunicorn -w 4 -b 0.0.0.0:5000 run:app

Deploy with Docker

FROM python:3.11-slim
WORKDIR /app
COPY requirements.txt .
RUN pip install --no-cache-dir -r requirements.txt
COPY . .
CMD ["gunicorn", "-w", "4", "-b", "0.0.0.0:5000", "run:app"]

Deploy to Cloud Platforms

Heroku: Add Procfile with web: gunicorn run:app
AWS Elastic Beanstalk: Use application.py entrypoint
Google Cloud Run: Containerize with Docker
Azure App Service: Use Python 3.11 runtime

🤝 Contributing

Contributions are welcome! Please follow these steps:

Fork the repository
Create a feature branch (git checkout -b feature/AmazingFeature)
Commit your changes (git commit -m 'Add some AmazingFeature')
Push to the branch (git push origin feature/AmazingFeature)
Open a Pull Request

Development Guidelines

Follow PEP 8 style guide
Write descriptive commit messages
Add tests for new features
Update documentation as needed
Keep code modular and reusable

📝 License

This project is licensed under the MIT License - see the LICENSE file for details.

🙏 Acknowledgments

Flask - Excellent Python web framework
Tailwind CSS - Utility-first CSS framework
Font Awesome - Beautiful icon library
SQLAlchemy - Powerful ORM
Community - All contributors and users

📞 Support

For questions, issues, or feature requests:

⭐ Star this repository if you find it helpful!

Made with ❤️ by Your Team

Website • Documentation • Changelog • FAQ

Name		Name	Last commit message	Last commit date
app		app
.env.example		.env.example
.gitignore		.gitignore
README.md		README.md
config.py		config.py
create_admin.py		create_admin.py
create_db.py		create_db.py
image.png		image.png
requirements.txt		requirements.txt
start.py		start.py
tables.py		tables.py

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