C++基于ATM的个人银行账户管理系统
2024-04-07 22:50:13
继承层次结构
Account作为基类，存储基本信息
Debit为储蓄卡账户
Credit为信用卡账户，结构体privilege将Credit分为common账户和vip账户
ATM管理这两类账户，同时将信息记录在文件
程序主要功能
注意：
- 姓名与地址没有使用按行输入，不允许出现空格
- 账户、密码以及银行管理员密码等数字，不允许以0开头
其中账户、密码、银行管理员密码最多10位
电话号固定11位，身份证号固定18位，且不能出现字母 - 个别设计较为繁琐，还有很多地方存在漏洞，只进行了简单的验证
程序存在的问题：
- 开始时思路并不是特别清晰，导致程序结构和设计上还存在些问题
- 为了代码重用，使用多层次的继承结构，但是在继承类中不可避免使用基类私有成员，这就不可避免使用友元，所以以牺牲了部分程序的封装性，以及模块化为代价，在程序设计时需要仔细斟酌。
/**
*
*@file ATM.cpp
*@date 2020/5/5
**/#include<iostream>
#include<fstream>
#include<cstdlib>
#include<string>
#include<vector>
#include<iomanip>
#include<iterator>
using namespace std;const char *filename1 = "debitClient.txt"; //储蓄卡客户文件
const char *filename2 = "creditClient.txt"; //信用卡客户文件//个人账户基本信息
class Account
{private:friend class ATM;friend class Debit;friend class Credit;long acctnum, psword; //账户、密码long long telnum; //电话long long idnum; //身份证string name, addr; //姓名、地址（....输入时不能有空格！）char sex; //性别（m-男，f-女）
protected:long retPsword() { return psword; }long retAccount() { return acctnum; }
public:Account(long acct, long ps, string n = "null", string a = "null", long long tel = 0, long long id = 0, char s = 'f') :acctnum(acct), psword(ps), name(n), addr(a), telnum(tel), idnum(id), sex(s) {}~Account();void createAcct(); //账户创建void perfectInfo(); //基本信息完善void showAccount() const; //基本信息显示 bool Match(); //判断密码是否匹配，用于账户登录 //用于文件I/O的友元函数friend ostream& operator<<(ostream& fout, const Debit& a);friend istream& operator>>(istream& fin, Debit& a);friend ostream& operator<<(ostream& fout, const Credit& a);friend istream& operator>>(istream& fin, Credit& a);
};//储蓄卡账户
class Debit :public Account
{private:friend class ATM;double balance; //账户余额
public:Debit(long acct = 0, long ps = 0, double bal = 0, string n = "null", string a = "null", long tel = 0, long long id = 0, char s = 'f') :Account(acct, ps, n, a, tel, id, s), balance(bal) {}void Deposit(); //存款void Withdraw(); //取款 void queryBalance() const; //余额查询//用于文件I/O的友元函数friend ostream& operator<<(ostream& fout, const Debit& a);friend istream& operator >> (istream& fin, Debit& a);
};//用于限定信用卡等级及特权p1-common,p2-vip
struct privilege {string scale; //账户等级double toploan; //账户最大透支额double floorrate; //账户最小透支利率bool queueRequired; //是否需要排队
}p1{ "common",1000,0.2,true }, p2{ "vip",5000,0.1,false };//信用卡账户
class Credit :public Account
{private:friend class ATM;double balance; //账户余额double maxLoan; //透支额度double rate; //透支利率double owes; //现有透支privilege p; //账户等级
public:Credit(long acct = 0, long ps = 0, privilege = p1, string n = "null", string a = "null", long long tel = 0, long long id = 0, char s = 'f', double bal = 0, double maxL = 500, double ra = 0.3, double owe = 0) :Account(acct, ps, n, a, tel, id, s), balance(bal), maxLoan(maxL), rate(ra), owes(owe), p(p1) {}void Deposit(); //存款void Withdraw(); //取款void Repay(); //偿还透支void queryBalance() const; //余额查询void showPrivilege() const; //等级和特权查询void setMAXLoan(); //设置透支额度void setRate(); //设置透支利率void upgrade(); //账户升级//用于文件I/O的友元函数friend ostream& operator<<(ostream& fout, const Credit& a);friend istream& operator >> (istream& fin, Credit& a);
};//ATM
class ATM
{private:static const int key; //银行管理员密码vector<Credit> Credits; //信用卡账户管理vector<Debit> Debits; //储蓄卡账户管理
protected:void debitMenu(); //储蓄卡界面void debitOperate(Debit& d); //储蓄卡操作集合void creditMenu(); //信用卡界面void creditOperate(Credit& c); //信用卡操作集合bool bankAuthority(); //银行管理员授权void writeFile(); //文件写入void readFile(); //读取文件
public:~ATM();void createDebit(); //创建储蓄卡账户void createCredit(); //创建信用卡账户void queryCredit(); //储蓄卡信息查询void queryDebit(); //信用卡信息查询void deleteDebit(); //删除储蓄卡账户void deleteCredit(); //删除信用卡账户void collectInfo(); //账户信息汇总void loginAcct(); //账户登录void menu(); //主界面void ATMfuncation(); //ATM功能void disp(); //开始界面void exitdisp(); //结束界面
};const int ATM::key = 215000; //银行管理员密码//*******************************方法实现*******************************//设置浮点数输出格式
void setFormat()
{cout << setiosflags(ios::fixed)<< setprecision(2);
}void Account::createAcct()
{cout << "新建账号:______\b\b\b\b\b\b";cin >> acctnum;cout << "密码:______\b\b\b\b\b\b";cin >> psword;
}void Account::perfectInfo()
{cout << "请完善账户信息:\n";cout << "请输入姓名:_____________\b\b\b\b\b\b\b\b\b";cin >> name;cout << "请输入电话号码:_____________\b\b\b\b\b\b\b\b\b";cin >> telnum;cout << "请输入身份证号:______________\b\b\b\b\b\b\b\b\b\b";cin >> idnum;cout << "请输入家庭住址:______\b\b\b\b\b\b";cin >> addr;cout << "请输入性别(m for man, f for female):___\b\b\b";cin >> sex;
}Account::~Account()
{name.clear();addr.clear();
}bool Account::Match()
{long pass;cout << "请输入密码:_________\b\b\b\b\b\b\b\b\b";cin >> pass;int cx = 4;while ((pass != psword) && cx) {printf("密码错误，您还剩余%d次机会。\n", cx);cout << "请重新输入:_______\b\b\b\b\b\b\b";cin >> pass;cx--;}if (cx == 0 && pass != psword) {cout << "登录失败。\n";return false;}cout << "登录成功。\n";return true;
}void Account::showAccount() const
{cout << "账户:" << acctnum<< "\n姓名:" << name<< "\n性别:" << sex<< "\n电话:" << telnum<< "\n身份证号:" << idnum<< "\n住址:" << addr << endl;
}istream& operator>>(istream& fin, Debit& a)
{fin >> a.acctnum >> a.psword >> a.name >> a.sex >> a.telnum >> a.idnum >> a.addr >> a.balance;return fin;
}ostream& operator<<(ostream& fout, const Debit& a)
{fout << setiosflags(ios::fixed) << setprecision(2);fout << a.acctnum << " "<< a.psword << " "<< a.name << " "<< a.sex << " "<< a.telnum << " "<< a.idnum << " "<< a.addr << " "<< a.balance << endl;return fout;
}void Debit::queryBalance() const
{cout << "账户余额:" << balance << endl;
}void Debit::Withdraw()
{double m;cout << "请输入取款金额:___\b\b\b";cin >> m;if (m < 0) {cout << "取款金额输入错误\n"<< "取款失败。\n";}else {if (m > balance) {cout << "取款金额超过账户所剩余额\n"<< "取款失败。\n";}else {balance -= m;cout << "取款成功。\n"<< "账户余额:" << balance << endl;}}
}void Debit::Deposit()
{double m;cout << "请输入存款金额:___\b\b\b";cin >> m;if (m < 0) {cout << "存款金额输入错误\n"<< "存款取消.\n";}else {cout << "1 for 1~2 month, rate 0.02\n"<< "2 for 3~5 month, rate 0.05\n"<< "3 for 6~12 month, rate 0.08\n"<< "请输入存款选择:_\b";//存款利率选择int ans;double rat;cin >> ans;if (ans < 1 && ans>3) {cout << "错误选择，存款取消！\n";return;}else if (ans == 1) rat = 0.02;else if (ans == 2) rat = 0.05;else if (ans == 3) rat = 0.08;m *= (1 + rat);balance += m;cout << "存款成功.\n"<< "账户余额:" << balance << endl;}
}ostream& operator<<(ostream & fout,const Credit & a)
{fout << setiosflags(ios::fixed) << setprecision(2);fout << a.acctnum << " "<< a.psword << " "<< a.name << " "<< a.sex << " "<< a.telnum << " "<< a.idnum << " "<< a.addr << " "<< a.balance << " "<< a.maxLoan << " "<< a.rate << " "<< a.owes << " "<< a.p.scale << " " << a.p.floorrate << " " << a.p.toploan << " " << a.p.queueRequired << endl;return fout;
}istream& operator>>(istream & fin, Credit& a)
{fin >> a.acctnum >> a.psword >> a.name >> a.sex >> a.telnum >> a.idnum >> a.addr >> a.balance>> a.maxLoan >> a.rate >> a.owes >> a.p.scale >> a.p.floorrate >> a.p.toploan >> a.p.queueRequired;return fin;
}void Credit::upgrade()
{if (p.scale == "vip") {cout << "账户已达最高等级，无法继续升级。\n";return;}p = p2;cout << "升级成功。\n";
}void Credit::queryBalance() const
{cout << "账户余额:" << balance<< "\t透支额度:" << maxLoan<< "\t利率:" << rate<< "\t透支金额:" << owes << endl;
}void Credit::Repay()
{double owe; //偿还金额cout << "透支金额:" << owes << "\t账户余额:" << balance << endl;cout << "请输入偿还金额:__\b\b";cin >> owe;if (owe > owes) {cout << "超过实际透支金额，偿还取消。\n";return;}cout << "是否使用账户余额偿还透支(1 for Yes, 2 for No):__\b\b";int ans;cin >> ans;if (ans != 1 && ans != 2) {cout << "选择错误，偿还取消。\n";return;}//使用账户余额还款else if (ans == 1) {//账户余额足够if (balance >= owe) {balance -= owe;owes -= owe;cout << "偿还成功。\n"<< "账户余额:" << balance<< "\t透支金额:" << owes << endl;}else {//账户余额不足cout << "账户余额不足，是否将剩余部分补齐(1 for Yes, 2 for No):__\b\b";cin >> ans;if (ans == 1) {balance = 0;owes -= owe;cout << "偿还成功。"<< "账户余额:" << balance<< "\t透支金额:" << owes << endl;}else {cout << "偿还失败。\n";}}}//不使用账户余额还款else {cout << "是否将相应数额存入账户(1 for Yes, 2 for No)__\b\b";cin >> ans;if (ans == 1) {cout << "偿还成功。"<< "账户余额:" << balance<< "\t透支金额:" << owes << endl;}else {cout << "偿还失败。\n";}}
}void Credit::Withdraw()
{double m; //取款金额cout << "请输入取款金额:___\b\b\b";cin >> m;//取款金额小于账户余额if (m <= balance) {balance -= m;cout << "取款成功。\n"<< "账户余额:" << balance << endl;}//取款金额大于账户余额else {cout << "取款金额超过账户剩余，"<< "是否进行透支(1 for Yes, 2 for No):___\b\b\b";int ans;cin >> ans;if (ans == 1) {if (m > (balance + maxLoan - owes)) {cout << "超过透支上限，"<< "取款失败。\n";}else {double interest; //透支利息m -= balance;interest = m*rate;owes += m + interest;balance = 0;cout << "取款成功。\n"<< "账户余额:" << balance<< "\t透支金额:" << owes << endl;}}elsecout << "取款失败。\n";}
}void Credit::Deposit()
{double m; //存款金额cout << "请输入存款金额:___\b\b\b";cin >> m;if (m < 0) {cout << "存款金额输入错误\n"<< "存款取消。\n";}else {cout << "1 for 1~2 month, rate 0.02\n"<< "2 for 3~5 month, rate 0.05\n"<< "3 for 6~12 month, rate 0.08\n"<< "请输入存款选择:_\b";//存款利率选择int ans;double rat;cin >> ans;if (ans < 1 && ans>3) {cout << "错误选择，存款取消！\n";return;}else if (ans == 1) rat = 0.02;else if (ans == 2) rat = 0.05;else if (ans == 3) rat = 0.08;m *= (1 + rat);balance += m;cout << "存款成功.\n"<< "账户余额:" << balance << endl;}
}void Credit::showPrivilege() const
{cout << "等级:" << p.scale<< "\n最高透支金额:" << p.toploan<< "\n最低利率:" << p.floorrate<< "\n是否需要排队:";if (p.queueRequired == 0) cout << "false\n";else cout << "true\n";
}void Credit::setMAXLoan()
{double m;cout << "请设置透支金额:__\b\b";cin >> m;//账户等级限定最大额度if (m<0 || m > p.toploan)cout << "超限，设置失败。\n";else {maxLoan = m;cout << "设置成功。\n";}
}void Credit::setRate()
{double r;cout << "利率区间" << p.floorrate << "~0.3\n";cout << "设置利率:__\b\b";cin >> r;if (r > 0 && r < p.floorrate)cout << "设置超出等级限制，设置失败。\n";else if (r > 0.3 && r < 0)cout << "请输入合法数字。\n";else {rate = r;cout << "设置成功。\n";}
}void ATM::readFile()
{ifstream fin1("debitClient.txt");if (!fin1) {cout << "文件未打开！\n";exit(EXIT_FAILURE);}for (Debit d; fin1 >> d;)Debits.push_back(d);ifstream fin2("creditClient.txt");if (!fin2) {cout << "文件未打开！\n";exit(EXIT_FAILURE);}for (Credit d; fin2 >> d;)Credits.push_back(d);fin1.close();fin2.close();
}void ATM::writeFile()
{ofstream fout1;fout1.open("debitClient.txt");if (!fout1) {cout << "文件未打开！\n";exit(EXIT_FAILURE);}ostream_iterator<Debit> itrOut1(fout1);copy(Debits.begin(), Debits.end(), itrOut1);ofstream fout2;fout2.open("creditClient.txt");if (!fout2) {cout << "文件未打开！\n";exit(EXIT_FAILURE);}ostream_iterator<Credit> itrOut2(fout2);copy(Credits.begin(), Credits.end(), itrOut2);fout1.close();fout2.close();
}void ATM::disp()
{readFile();cout << endl << endl << endl << endl << endl;cout << " *******************************" << endl;cout << " * *" << endl;cout << " * 欢迎使用ATM存取一体机! *" << endl;cout << " * *" << endl;cout << " *******************************" << endl << endl;cout << " 按Enter键继续!" << endl;getchar();
}void ATM::exitdisp()
{writeFile();system("cls");cout << endl << endl << endl << endl << endl;cout << " *******************************" << endl;cout << " * *" << endl;cout << " * 感谢您的使用! *" << endl;cout << " * *" << endl;cout << " *******************************" << endl << endl;
}bool ATM::bankAuthority()
{cout << "请输入银行管理员密码，获得授权:______\b\b\b\b\b\b";int k;cin >> k;int cx = 4;int flag = 1;while (flag&&cx) {if (k == key) {flag = 0;break;}printf("密码错误，您还剩余%d次机会。\n", cx);cout << "请重新输入:_______\b\b\b\b\b\b\b";cin >> k;cx--;}if (flag == 1) {cout << "授权失败，无法操作。\n";return false;}cout << "授权成功，请继续操作。\n";return true;
}void ATM::debitMenu()
{system("cls");cout << endl << endl << endl << endl << " 请选择操作序号！(0~4)" << endl;cout << " **********************************************************" << endl;cout << " * *" << endl;cout << " * 0.返回主界面 *" << endl;cout << " * 1.存款 *" << endl;cout << " * 2.取款 *" << endl;cout << " * 3.显示余额 *" << endl;cout << " * 4.显示账户信息 *" << endl;cout << " * *" << endl;cout << " **********************************************************" << endl;
}void ATM::debitOperate(Debit& d)
{//进入用户界面debitMenu();int choice;cout << " 请输入您的选择:";cin >> choice;while (choice != 0) {cout << "* * * * * * * * * * * * * * * *\n";switch (choice){case 1:d.Deposit();break;case 2:d.Withdraw();break;case 3:d.queryBalance();break;case 4:d.showAccount();break;default:cout << "输入错误！\n";}cout << "* * * * * * * * * * * * * * * *\n\n";cout << " 请输入您的选择:";cin >> choice;}//返回主界面menu();
}void ATM::creditOperate(Credit& c)
{//进入用户界面creditMenu();int choice;cout << " 请输入您的选择:";cin >> choice;while (choice != 0) {cout << "* * * * * * * * * * * * * * * *\n";switch (choice){case 1:c.Deposit();break;case 2:c.Withdraw();break;case 3:c.queryBalance();break;case 4:c.showAccount();break;case 5:c.Repay();break;case 6:c.showPrivilege();break;case 7:if (bankAuthority())c.setMAXLoan();break;case 8:if (bankAuthority())c.setRate();break;case 9:if (bankAuthority())c.upgrade();break;default:cout << "输入错误！\n";}cout << "* * * * * * * * * * * * * * * *\n\n";cout << " 请输入您的选择:";cin >> choice;}//返回主界面menu();
}void ATM::creditMenu()
{system("cls");cout << endl << endl << endl << endl << " 请选择操作序号！(0~8)" << endl;cout << " **********************************************************" << endl;cout << " * *" << endl;cout << " * 0.返回主界面 *" << endl;cout << " * 1.存款 *" << endl;cout << " * 2.取款 *" << endl;cout << " * 3.显示余额 *" << endl;cout << " * 4.显示信息 *" << endl;cout << " * 5.偿还透支 *" << endl;cout << " * 6.显示信用卡等级 *" << endl;cout << " * 7.设置透支额度 *" << endl;cout << " * 8.设置利率 *" << endl;cout << " * 9.升级 *" << endl;cout << " * *" << endl;cout << " **********************************************************" << endl;
}void ATM::queryDebit()
{cout << "输入查询账号:________\b\b\b\b\b\b\b";long acct;cin >> acct;vector<Debit>::iterator it;for (it = Debits.begin(); it != Debits.end(); it++){if ((*it).retAccount() == acct) break;}if (it == Debits.end()) {cout << "账号不存在。\n";return;}(*it).showAccount();(*it).queryBalance();
}void ATM::queryCredit()
{cout << "输入查询账号:________\b\b\b\b\b\b\b";long acct;cin >> acct;vector<Credit>::iterator it;for (it = Credits.begin(); it != Credits.end(); it++){if ((*it).retAccount() == acct) break;}if (it == Credits.end()) {cout << "账号不存在。\n";return;}(*it).showAccount();(*it).queryBalance();
}void ATM::collectInfo()
{cout << "\n***********************************账户基本信息表\n";cout << "储蓄卡汇总:" << "\t账户个数:" << Debits.size() << " *\n";for (auto it = Debits.begin(); it != Debits.end(); it++) {cout << "账户:" << (*it).acctnum<< "\t姓名:" << (*it).name << endl;}cout << endl;cout << "信用卡汇总:" << "\t账户个数:" << Credits.size() << " *\n";for (auto it = Credits.begin(); it != Credits.end(); it++) {cout << "账户:" << (*it).acctnum<< "\t姓名:" << (*it).name << endl;}cout << "*************************************************\n\n";
}void ATM::deleteDebit()
{long acct, ps;cout << "请输入账号:______\b\b\b\b\b\b\b";cin >> acct;vector<Debit>::iterator it;for (it = Debits.begin(); it != Debits.end(); it++){if ((*it).retAccount() == acct) break;}if (it == Debits.end()) {cout << "账号不存在。\n";return;}cout << "请输入密码:_______\b\b\b\b\b\b\b";cin >> ps;if (ps != (*it).retPsword()) {cout << "密码错误，删除失败。\n";return;}cout << "是否确认删除:___\b\b\b";char ans;cin >> ans;if (ans == '否') {cout << "取消删除。\n";return;}Debits.erase(it);cout << "删除成功。\n";
}void ATM::deleteCredit()
{long acct, ps;cout << "请输入账号:______\b\b\b\b\b\b\b";cin >> acct;vector<Credit>::iterator it;for (it = Credits.begin(); it != Credits.end(); it++){if ((*it).retAccount() == acct) break;}if (it == Credits.end()) {cout << "账号不存在。\n";return;}cout << "请输入密码:_______\b\b\b\b\b\b\b";cin >> ps;if (ps != (*it).retPsword()) {cout << "密码错误，删除失败。\n";return;}cout << "是否确认删除:___\b\b\b";char ans;cin >> ans;if (ans == '否') {cout << "取消删除。\n";return;}Credits.erase(it);cout << "删除成功。\n";
}void ATM::loginAcct()
{cout << "请输入账号类型(c for Credit, d for Debit):___\b\b\b";char t;cin >> t;cout << "请输入账号：_______\b\b\b\b\b\b\b\b";long acct;cin >> acct;if (t == 'd') {vector<Debit>::iterator it;for (it = Debits.begin(); it != Debits.end(); it++){if ((*it).retAccount() == acct) break;}if (it == Debits.end()) {cout << "您所输入的账号不存在。\n";return;}if ((*it).Account::Match()) debitOperate(*it);}else {vector<Credit>::iterator it;for (it = Credits.begin(); it != Credits.end(); it++){if ((*it).retAccount() == acct) break;}if (it == Credits.end()) {cout << "您所输入的账号不存在。\n";return;}if ((*it).Account::Match()) creditOperate(*it);}
}void ATM::menu()
{system("cls");cout << endl << endl << endl << endl << " 请选择操作序号！(0~8)" << endl;cout << " **********************************************************" << endl;cout << " * *" << endl;cout << " * 0.退出 *" << endl;cout << " * 1.创建储蓄账户 *" << endl;cout << " * 2.创建信用账户 *" << endl;cout << " * 3.删除储蓄账户 *" << endl;cout << " * 4.删除信用账户 *" << endl;cout << " * 5.查询储蓄账户 *" << endl;cout << " * 6.查询信用账户 *" << endl;cout << " * 7.账户登录 *" << endl;cout << " * 8.账户信息汇总 *" << endl;cout << " * *" << endl;cout << " **********************************************************" << endl;
}void ATM::ATMfuncation()
{menu();int choice;cout << " 请输入您的选择:";cin >> choice;while (choice != 0) {cout << "* * * * * * * * * * * * * * * *\n";switch (choice){case 1:createDebit();break;case 2:createCredit();break;case 3:deleteDebit();break;case 4:deleteCredit();break;case 5:if (bankAuthority())queryDebit();break;case 6:if (bankAuthority())queryCredit();break;case 7:loginAcct();break;case 8:if (bankAuthority())collectInfo();break;default:cout << "输入错误！\n";}cout << "* * * * * * * * * * * * * * * *\n";cout << " 请输入您的选择:";cin >> choice;}
}void ATM::createDebit()
{if (Debits.size() == Debits.max_size()) {cout << "储蓄卡账户已达上限。";return;}Debit t;t.createAcct();vector<Debit>::iterator it;for (it = Debits.begin(); it != Debits.end(); it++){if ((*it).retAccount() == t.acctnum) {cout << "账户已存在，新建失败。\n";return;}}if (it == Debits.end())cout << "账户创建成功。\n";//基本信息完善t.perfectInfo();Debits.push_back(t);
}void ATM::createCredit()
{if (Credits.size() == Credits.max_size()) {cout << "信用卡账户已达上限。";return;}Credit t;t.createAcct();vector<Credit>::iterator it;for (it = Credits.begin(); it != Credits.end(); it++){if ((*it).retAccount() == t.acctnum) {cout << "账户已存在，新建失败。\n";return;}}if (it == Credits.end())cout << "账户创建成功。\n";cout << "请输入账号等级(1 for common,2 for vip):___\b\b\b";int scale;cin >> scale;if (scale == 1) t.p = p1;else t.p = p2;//基本信息完善t.perfectInfo();Credits.push_back(t);
}ATM::~ATM()
{Credits.clear();vector<Credit>().swap(Credits);Debits.clear();vector<Debit>().swap(Debits);
}
//******************************************************************int main() {setFormat();ATM atm;atm.disp();atm.ATMfuncation();atm.exitdisp();system("pause");
}
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