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Summit Wealth Bank

Summit Wealth Bank is a full-stack retail banking application built with Java Spring Boot and React. The application provides comprehensive banking services including account management, internal transfers, stock trading, and wealth management with role-based access control.

Table of Contents

Team Members

Features

Authentication & Authorization

  • JWT-based authentication with secure token management
  • Role-based access control (USER, ADMIN)
  • Protected routes and API endpoints
  • Session persistence with automatic token refresh

Account Management

  • Open Accounts: Create checking and savings accounts with initial deposits
  • View Accounts: Dashboard showing all user accounts with balances and status
  • Account Status: Real-time frozen/active status indicators
  • Add Money: Deposit funds into savings accounts
  • Account Numbers: Unique account number generation for each account

Transfers & Transactions

  • Internal Transfers: Transfer funds between user accounts
  • Transaction History: Complete transaction log with reference IDs (TXN-YYYYMMDD-XXXXXX)
  • Transaction Search: Search transactions by reference ID
  • Validation: Automatic checks for frozen accounts and sufficient balance
  • Account Flow Display: Visual representation of money flow (From → To)

Stock Trading System

  • Live Stock Market: 50 pre-loaded NASDAQ companies with realistic pricing
  • Buy/Sell Stocks: Purchase and sell stocks from limited inventory pool
  • Limited Shares: Each stock has finite availability (e.g., 10,000 shares)
  • Average Cost Basis: Automatic calculation for profit/loss tracking
  • Portfolio Management: Real-time portfolio value and P/L calculation
  • Stock Transactions: Separate transaction history for stock trades (STK-YYYYMMDD-XXXXXX)
  • Transaction Types: Distinct BUY and SELL operations with visual indicators

Wealth Management

  • Total Wealth Tracking: Aggregated view of Checking + Savings + Stock Portfolio
  • Portfolio Overview: Real-time market value of stock holdings
  • Performance Metrics: Individual stock profit/loss tracking

Admin Dashboard

  • User Management: View all registered users with roles and contact information
  • Account Control: Freeze/unfreeze individual user accounts
  • Transaction Monitoring: System-wide view of all account transfers
  • Stock Transaction Oversight: Monitor all buy/sell activities across the platform
  • Stock Inventory Management:
    • Create new stocks with pricing and share limits
    • Update stock prices
    • Delete stocks (with safeguards for active positions)
  • User Statistics: Total users and active user counts
  • Operational Dashboard: Real-time system monitoring and metrics
    • System health status (application, database, disk space, network)
    • JVM metrics (memory usage, CPU usage, application uptime)
    • Business metrics (total users, accounts, transactions, stock trades)
    • Financial overview (total system balance, active accounts)
    • Auto-refresh every 30 seconds

Technology Stack

Backend

  • Java 21
  • Spring Boot 3.x - REST API framework
  • Spring Security - JWT authentication and authorization
  • Spring Data JPA - ORM with Hibernate
  • PostgreSQL - Production database
  • H2 - Development/testing database
  • Maven - Dependency management and build tool
  • Lombok - Boilerplate code reduction

Frontend

  • React 18 - UI framework
  • React Router v6 - Client-side routing
  • Axios - HTTP client for API communication
  • Tailwind CSS - Utility-first CSS framework
  • Lucide React - Icon library
  • Vite - Build tool and development server

API Architecture

Public Endpoints

POST /api/auth/register          - User registration
POST /api/auth/login             - User authentication

User Endpoints (Requires Authentication)

GET  /api/accounts               - Get user accounts
POST /api/accounts/open          - Open new account
POST /api/accounts/deposit       - Add money to savings account
POST /api/transfer               - Transfer between accounts
GET  /api/transactions/recent    - Get transaction history
GET  /api/transactions/search    - Search by reference ID
GET  /api/wealth/total           - Get total wealth breakdown
GET  /api/stocks/available       - Get tradeable stocks
GET  /api/stocks/portfolio       - Get stock holdings
POST /api/stocks/buy             - Buy stocks
POST /api/stocks/sell            - Sell stocks
GET  /api/stocks/transactions    - Get stock trade history

Admin Endpoints (Requires ADMIN Role)

GET    /api/admin/users                  - Get all users
GET    /api/admin/accounts               - Get all accounts
POST   /api/admin/freeze                 - Freeze account
POST   /api/admin/unfreeze               - Unfreeze account
GET    /api/admin/transactions/all       - Get all transactions
GET    /api/admin/stock-transactions/all - Get all stock trades
POST   /api/admin/stocks/create          - Create new stock
POST   /api/admin/stocks/update-price    - Update stock price
GET    /api/admin/stocks                 - Get all stocks
DELETE /api/admin/stocks/{symbol}        - Delete stock

Database Schema

Core Entities

  • User: User credentials, profile information, and role
  • Account: Bank accounts (Checking/Savings) with balance and frozen status
  • Transaction: Internal transfers with reference IDs
  • Stock: Available stocks with pricing and inventory
  • StockPosition: User's stock holdings with average cost basis
  • StockTransaction: Buy/sell stock trade history

Setup & Installation

Prerequisites

  • Java 21 or higher
  • Maven 3.6+
  • Node.js 16+ and npm
  • PostgreSQL (for production) or H2 (auto-configured for development)

Backend Setup

# Navigate to project root
cd SummitWealthBank

# Build the project
mvn clean install

# Run the application
mvn spring-boot:run

The backend server will start on http://localhost:8080

Frontend Setup

# Navigate to frontend directory
cd summit-frontend

# Install dependencies
npm install

# Start development server
npm run dev

The frontend will start on http://localhost:3000

Running Locally (Quick Start)

Prerequisites Check

java -version    # Should be Java 21+
mvn -version     # Should be Maven 3.6+
node -version    # Should be Node 16+

1. Start Backend

# From project root
mvn spring-boot:run

✅ Backend running on: http://localhost:8080

2. Start Frontend

# Open new terminal, from project root
cd summit-frontend
npm install      # First time only
npm run dev

✅ Frontend running on: http://localhost:3000

3. Login with Default Admin

  • Email: admin@summit.com
  • Password: admin123

Common Issues

Port 8080 already in use?

lsof -ti:8080 | xargs kill -9

Port 3000 already in use?

lsof -ti:3000 | xargs kill -9

Database connection error?

  • H2 database is used by default (in-memory)
  • No PostgreSQL setup needed for local development
  • Data resets on each restart

Configuration

Update src/main/resources/application.properties:

# Database Configuration
spring.datasource.url=jdbc:postgresql://localhost:5432/summitwealthbank
spring.datasource.username=your_username
spring.datasource.password=your_password

# JWT Configuration
jwt.secret=your-secret-key-here
jwt.expiration=86400000

# Stock Initialization
app.initialize-stocks=true

Default Admin Account

An admin account is automatically created on first run:

⚠️ Important: Change this password immediately in production!

Security Features

  • Password Encryption: BCrypt password hashing
  • JWT Tokens: Secure token-based authentication
  • Authorization Guards: Role-based endpoint protection
  • CORS Configuration: Configured for secure cross-origin requests
  • Input Validation: Server-side validation for all inputs
  • Frozen Account Protection: Automatic blocking of transactions for frozen accounts

Key Business Logic

Stock Trading

  • Inventory Management: When users buy stocks, available shares decrease; when they sell, shares return to the pool
  • Average Cost Basis: Calculated as: (existing_value + new_purchase) / total_shares
  • Profit/Loss Calculation: (current_price - avg_cost_basis) * quantity
  • Concurrency Control: @Transactional ensures atomic operations

Transaction References

  • Account Transfers: Format TXN-YYYYMMDD-XXXXXX
  • Stock Trades: Format STK-YYYYMMDD-XXXXXX
  • Unique references for auditing and dispute resolution

Account Types

  • Checking: Used for transfers and stock trading
  • Savings: Can receive deposits, used for transfers and stock trading

Project Structure

SummitWealthBank/
├── src/
│   ├── main/
│   │   ├── java/com/summitwealth/bank/
│   │   │   ├── controller/          # REST API endpoints
│   │   │   ├── service/             # Business logic
│   │   │   ├── repository/          # Data access layer
│   │   │   ├── model/               # Entity classes
│   │   │   ├── dto/                 # Data transfer objects
│   │   │   ├── config/              # Security & app configuration
│   │   │   └── util/                # Utility classes
│   │   └── resources/
│   │       └── application.properties
│   └── test/                        # Unit and integration tests
├── summit-frontend/
│   ├── src/
│   │   ├── components/              # React components
│   │   ├── pages/                   # Page components
│   │   ├── services/                # API service layer
│   │   └── App.jsx                  # Main app component
│   ├── package.json
│   └── vite.config.js
├── pom.xml                          # Maven configuration
└── README.md

Development Notes

Testing

  • The application uses H2 in-memory database for development
  • 50 NASDAQ stocks are automatically populated on startup
  • Admin account is created automatically

Environment Configuration

  • Development uses H2 database (in-memory)
  • Production requires PostgreSQL setup
  • JWT secret should be changed for production deployment

Future Enhancements

  • External bank transfers (ACH)
  • Bill payment system
  • Loan applications
  • Mobile app integration
  • Real-time notifications
  • Two-factor authentication

Support

For questions or issues, please contact:

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