as consumer the most commonly used banking, atms all can be dealt with. Consumer acceptance of self-service channels, on the other hand, high, in all channels of electronic channels (ATM, online banking, telephone banking and mobile banking, etc.), ATM machine is not high, more than 90% of the consumer cognition of ATM machine, including young people's recognition rate is as high as 97%. Online banking and telephone banking, by contrast, only 70% and 50% of consumers' cognition. ATM machine has become after the bank counter, the consumer to understand the most of any bank in the channels, in addition, the proportion of consumers use atms has been as high as 78%, second only to the bank counter, use frequency is higher than the bank counter, the nearly 70% of consumers at least once every 2-3 weeks using an ATM, nearly a third of the people will use 2-3 times a week. Third, consumer satisfaction of self-service channels is the highest in the various channels, the country has more than seventy percent of consumers satisfied with the ATM, and satisfied with the bank's counter just 4, online banking and telephone banking is only for 5 or so
The system USES.net as a development tool, using c # language, and connect MSSQL database, set up and simulated operating bank the most common deposit withdrawals by bank transfer. Can realize user registration, user login, users deposits, withdrawals, transfers and query the user users all operating records of function.
Key words ATM machine; To open an account; The deposit; Transfer;
1、绪论
随着市场经济的发展,经济信息化程度的不断深入,银行的传统业务己愈来愈不能满足银行客户的需要。同时,随着国内银行机构的大量增加,我国的银行业面临更加激烈的同业竞争,如何提供更多的金融产品和更优质的服务,如何吸引更多的客户,如何利用计算机技术加强银行帐户信息管理,提高银行的工作效率和业务竟争能力是摆在各家银行面前的一个迫切需要解诀的问题。
随着信息技术对银行业的渗透和促进,银行卡业务近年来得到了迅猛发展,银行卡发卡量、交易量大幅激增,ATM设备数量也随之增加。而商业银行旧有的前置应用系统己不堪重负,日渐暴露出交易故障增多、设备接入管理不便、系统维护投入过大、交易安全隐患增多等弊端,这大大影响了银行的正常运作,对银行的业务发展造成了严重束缚。设计出功能完备、架构先进、性能卓越、高稳定性、高可靠性的前置应用系统成为各大银行的迫切任务。 本文针对行业发展及研究状况,详细分析了银行ATM前置系统的需求,并在此基础上,以克服银行旧有系统的弊端为目标,提出了改进的网络架构模型、 一致的数据模型、多层次的应用计算模式和完备的系统安全策略。由于系统设计 的可扩展性将直接影响系统后续的二次开发和升级,为达到系统良好的可扩展性,设计过程中对ATM的前置业务功能进行了抽象与综合,实现了代码框架复用设计。
ATM机是银行柜台传统业务的最佳替代渠道。一方面,ATM机在功能上最接近银行柜台,存款、取款、转帐、缴费、帐户查询等消费者最常使用的银行业务,ATM机均可办理。另一方面,消费者对自助渠道的接受程度高,在所有电子渠道渠道中(ATM机、网上银行、电话银行和手机银行等),ATM机的认知率最高,有超过90%的消费者认知ATM机,其中年轻人的认知比例更是高达97%。相比之下,网上银行和电话银行仅有70%和50%消费者认知。ATM机已经成为继银行柜台之后,消费者了解最多的银行渠道,此外,消费者使用ATM机的比例已高达78%,仅次于银行柜台,使用频率则高于银行柜台,全国有近70%的消费者至少每2-3周使用一次ATM机,其中近1/3的人一周会使用2-3次。第三,消费者对自助渠道的满意度在各种渠道中是最高的,全国有超过七成的消