网上银行系统分析研究【外文翻译】
网上银行系统的软件开发分析
１网上银行系统软件 的设计构想
网上银 行系 统 的软件 结构 主要 包括 中 间 业 务平 台、财务核心主机、交换平 台、数据库 服务 器、网 上银行 服务 器和 Ｗｅ ｂ服务器 等部
高开发效率 。其二 ，基于 高度参数化 设计 和银
有一定的延 时性。在网上银行系统软件开发过 行系统表驱动技术 ，网上银行系统可 以通 过基 程 中，这两 种通讯方式可 以同时应用。例如， 本应用来处理客户 关系，如主机通 讯、银行系 企业代发工 资采用 的是 ＭＱ Ｓ ｅ ｉ ｒ ｅ ｓ 平台异步处 统安全控制 、用户 管理等 。其三 ，在网上银行 系统软件开 发平台上，应用不同类型的基本组 理方式，个人网上代缴费、企业转账等交 易采
【 关键词 】网上 银行 系统 软件 开发
向对 象程序，其通过 Ｊ ＤＳ Ｃ方式访 问网上 银行 系统的数据库。网上银行系统服务器主要负责 除了核 心财务 发具有 很大 的难 度 ，其涉及很 多不 同的内容 ，如网上银行系统
财务数据输送给 财务和兴主机，同时接收反馈 回来的信息数据、登记网上银行系统交易 日益 和 交易流水账、检查网上银行客户关系、执行 网上银行的合法业务等。网上银行系统服务器 开发有很多优势：其一， 由于网上银行系统 的 业务逻辑和页面设计分离 ，软件开发人员可 以
Ｊ ａ ｖ ａ语 言 是 一 个 重 要 的 程 序 解 释 语 言 ， 其 执
网上银 行 系统客 户端 主要 负责信 息通 道
的解密 与加密 、 输入域合法检查、 页面显示等 ，
网上银行系统应用程序服务器和客户端之 间利
用Ｓ ｅ ｒ ｖ ｌ ｅ ｔ 文件 和 Ｊ Ｓ Ｐ文 件 进 行 信 息 交 换 ， 为
件 开 发 ， 优 化 网 上 银 行 系统 的 运 行 ，提 高 网上 银 行 系 统 的安 全 性 。
网上银行研究报告
网上银行研究报告近年来，随着互联网的迅速发展和普及，网上银行成为了一种方便、快捷的金融服务方式。
网上银行为顾客提供了许多便利的功能，如账户查询、转账、支付账单等。
本文将对网上银行进行研究，并总结其优点和存在的问题。
首先，网上银行的最大优点是便利。
顾客可以通过互联网随时随地登录网上银行，进行各种金融操作，而不需要亲自去银行柜台办理。
这为大部分上班族和忙碌的人群提供了很大的便利，节省了他们的时间和精力。
其次，网上银行提供了丰富多样的金融服务功能。
顾客可以通过网上银行进行账户余额查询、转账、支付账单、申请贷款等操作，满足了人们的各种金融需求。
此外，一些网上银行还推出了理财产品和股票交易等功能，为顾客提供了更多的金融选择。
再次，网上银行的安全性不断提高。
为了保护顾客的财产安全，网上银行采取了许多安全措施，如采用加密技术、设立安全验证等。
此外，顾客也可以设置复杂的密码和安全问题，增加账户的安全性。
虽然网上银行的安全存在一定的风险，但是银行也在不断加强安全技术和监管，尽量确保顾客的利益。
然而，网上银行也存在一些问题。
首先，对于某些老年人和低技能群体来说，使用网上银行还存在一定的障碍。
他们可能不熟悉电脑操作或者担心自己的账户信息被盗，因此不愿意使用网上银行。
其次，网上银行虽然提供了很多功能，但是对于一些复杂的金融操作，还是需要到银行柜台进行办理。
这对于那些需要柜台服务的顾客来说，可能会带来一定的不便。
总之，网上银行作为一种方便、快捷的金融服务方式，具有很多优点。
它的不断发展和完善将进一步提高人们的金融体验。
然而，网上银行也需要应对一些问题和挑战，如提高用户体验、加强安全措施等。
只有这样，才能更好地满足顾客的需求，推动网上银行的进一步发展。
网上银行系统分析资料
网上支付
可选择使用网上支付卡或一卡通活期网上支付进行付款。网上支付卡可在任何一台电脑使用，消费额限制在人民币5000元内。
可选择使用网上支付卡或一卡通活期网上支付进行付款。网上支付卡可在任何一台电脑使用，消费额限制在人民币5000元内。
可以通过在线支付业务，对电子商务平台生成的订单进行支付操作
转账、财务支付、代发工资、收款方管理、款项用途维护
通过批量委托、授权模式定制、全程跟踪转账交易状态、到帐时间查询、实时EMAIL付款通知、预约付款、定向支付、交易数据下载；客户留言互动、个性化页面定制、定期提醒密码更新等服务
国内支付结算，国际结算，基金业务，企业理财服务，金融机构服务，电子银行服务，资产处置，投资银行
网上国债业务是为企业网上银行客户提供的通过企业网上银行自助办理记账式国债申购、买卖和国债信息查询的业务。您可通过网上国债进行查询、申购、卖出等功能
（2）网上企业业务比较：
招商银行
中国银行
工商银行
建设银行
账务查询
1.查询企业存款账户的余额信息；2.查询企业存款账户的明细交易记录信息；3.下载企业存款账户明细进行财务分析。
可通过INTERNET随时随地查询、下载其在境内、海外中国银行分支机构的本外币账户实时余额、当日交易、历史余额、历史交易、网银汇入汇款等信息
主要包括跨行转账、信用卡还款、账户查询、账户签约授权共4大类服务
转账汇款
自助转账、同城转账、境内汇款、境外汇款、个人结汇/购汇业务
办理方式灵活，可以即时转账，也可根据需要指定日期或预约周期，实现有规律的自动转账。
可以使用工行汇款向同城或异地的任意工行个人或单位客户进行汇款
网银系统功能需求调研报告
网银系统功能需求调研报告网银系统功能需求调研报告一、调研目的本次调研的目的是为了了解用户对于网银系统的功能需求，以便更好地满足用户的需求，提高网银系统的使用体验。
二、调研方法本次调研采用了问卷调查的方式，共发放了200份问卷，回收了180份有效问卷。
调研时间为一个星期，覆盖了不同年龄段和职业的用户。
三、调研结果从调查结果来看，用户对于网银系统的功能需求主要集中在以下几个方面：1. 转账功能：有75%的用户认为转账功能是使用网银系统的主要目的，用户们希望能够通过网银系统实现跨行转账、跨境转账、定期定额转账等多种转账方式。
2. 查询功能：近70%的用户表示查询功能是他们使用网银系统的重要需求，用户们希望通过网银系统能够查询到账户余额、交易明细、账单等信息。
同时，用户们还希望能够通过网银系统查询到其他金融产品的信息，比如理财产品、信用卡等。
3. 手机银行功能：随着智能手机的普及，用户们越来越希望能够通过手机使用网银系统。
有80%的用户表示他们希望网银系统能够提供手机银行功能，包括手机转账、手机查询、手机支付等功能。
4. 客户服务与支持：用户们普遍反映自助服务的需求，有60%的用户希望能够通过网银系统进行账户冻结、挂失、修改密码等操作。
用户们还希望网银系统能够提供在线客服、常见问题解答等支持。
5. 安全性和隐私保护：用户们对于网银系统的安全性和隐私保护非常关注，近90%的用户表示他们希望网银系统能够提供多种安全认证方式，比如短信验证码、动态口令卡等。
用户们还希望网银系统能够加强对个人信息的保护，防止个人信息被泄露。
四、建议与总结根据以上调研结果，我们提出以下建议：1. 在转账功能方面，应该考虑提供更多种类的转账方式，比如跨行转账、跨境转账、定期定额转账等，以满足用户不同的转账需求。
2. 查询功能方面，应该考虑提供更全面的查询功能，包括账户余额、交易明细、账单等信息，并且还需要提供其他金融产品的查询功能。
网上银行系统需求分析报告
银行系统子系统网上银行需求分析报告2组项目经理：王爵组员：郭明佳杨晨陈松浩肖瑶程行张伊乔贺夤一、概况（一）开发的背景随着因特网发展的日新月异，人们利用网络来实现相互之间的协同工作以及资源共享越来越成为时代的潮流，一个不可扭转的趋势。
目前，因特网已经深入到我们生活的各个领域——学校，银行，医院，公司，企业等等。
为方便人们的经济活动，网上银行正逐渐的走进人们的生活。
我们要实现的系统主要面向所有银行系统和所有客户。
各个银行工作人员的主要任务是实现相应的信息发布，更新，录入工作，而用户则主要实现信息的反馈，相应的查询事件。
要实现这个系统，需要先调研，弄清楚客户的需求情况，以便于有的放矢。
系统的开发过程需要两台机器，一台服务器，一台客户机，服务器一端需要安装win2000以上服务器版以及完成相关的配置。
系统的开发人员至少需要8个，一个做信息发布端，一个做客户端。
程序完成以后，需要调试运行，整个实现需要三个月左右。
（二）系统的目标提供网上形式的传统银行业务，包括银行及相关信息的发布、客户的咨询投诉、账户的查询勾兑、申请和挂失以及转账功能。
电子商务相关业务，包括商户对客户模式下的购物、外汇买卖、网上支付功能。
二、系统的功能性需求通过网上银行，客户可以进行以下操作：1.一卡通账户信息查询：客户可以查看所有已选择开通的一卡通下各个子账户的名称、币种、余额、起息日、存期、利率等信息；2.一卡通交易信息查询：客户可以查询一卡通账户下任意时间段的所有交易记录，包括所有存取款、转账、利息结算、贷款的发放及偿还等；3.转账：客户可以在一卡通或信用卡账户之间进行转账，本账户内定活互转，转账时需提供转入帐户的客户姓名及账号。
网上银行同时提供收款方信息管理功能，供用户存储常用的收款方信息，以便下次转账；4.财务分析：客户可以对自己某一个时间段的财务收支情况进行分析，查看自己所有收支（包括所有一卡通以及信用卡）的分类明细以及相应的图形表示；5.修改密码：客户可以修改自己的网上银行密码和账户密码；6.网上挂失：客户可以在网上对自己的一卡通和信用卡账户进行挂失，挂失之后该账户将不能进行存取款及转账操作。
网上银行系统分析(网上支付实验报告)
实验时间：2010 年11月11日3-4节一、实验运行环境硬件：PC机，宽带网软件：Win2000 / WinXP以上版本，IE5.0及以上版本，WORD2000；银行客户端软件二、实验目的通过本实验让学生明确各商业银行提供的网上金融服务；掌握个人及企业网络银行系统的功能模块、业务特点；注重培养学生的分析问题、解决问题的能力。
三、实验内容和步骤(一)明确实验对象本次实验，选择中国工商银行、中国建设银行以及中国银行的网上银行作为研究对象，针对所选三家商业银行提供的网上金融服务内容，分别比较个人与企业业务、个人与企业安全保障机制。
1．中国工商银行(/icbc/)；2．中国建设银行(/cn/ebank/index.html)；3．中国银行(/index.html)(二)网上个人业务比较1．工商银行个人网上银行下图为工商银行个人网银主页，图中指示部分为工商银行向个人网银用户提供服务内容，包括账户管理、汇款服务、投资理财、支付缴费、信用卡服务及安全服务。
个人业务服务项目2．建设银行个人网上银行下图为建设银行个人网银相关服务，包括账户查询、转账汇款、缴费支付、信用卡、个人贷款、投资理财(基金、黄金、外汇等)传统服务，以及利用电子渠道服务优势提供的网上银行特有服务。
图中指示部分为特色服务专区。
3．中国银行个人网上银行下图为中国银行个人网银，向用户提供的几大功能模块分别为查询服务、转账汇款、账单缴付、投资理财、结售汇，信用卡、电子支付、贷款管理、跨行互联以及便捷服务，在此基础上进一步对服务项目细分。
4．将三家商务银行的个人网银业务具体资料整合，列表如下：工商银行建设银行中国银行账户管理账户管理，自助挂失，托管账户，企业年金查询，住房公积金查询，工银信使服务，个人电子回单，个人电子对账单，在线申请，网银互联账户我的网银，账户查询，追加新账户，虚拟卡，VIP对账单，个性化设置，E家亲账户，其他账户服务账户查询，服务记录查询转账汇款工行汇款，跨行汇款，跨境汇款，向境外VISA卡汇款，向E-mail、手机号汇款活期转账汇款，定活互转，向企业转账，跨行转账，预约转账，批量转账，外汇汇款，结果查询，收款人名册转账管理，定期存款，通知存款，转账记录，预约管理支付缴费在线支付，牡丹卡在线境外支付，电话支付，信用支付，e卡，委托代扣，自助缴费，代缴学费，代客缴费缴费支付，批量缴费，预约缴费，缴费支付记录查询，E付通，银行卡网上小额支付自助缴费，网上支付特色服务投资理财 存款服务，贷款服务，理财服务，保险服务，国债服务，基金服务，贵金属服务，外汇服务，证券服务，期货服务，网上金融超市，个人财务分析软件基金业务，外汇买卖，黄金业务，债券业务，保险业务，银证业务，银行存管，证券管理，理财产品，银期直通车；我的贷款，归还贷款，贷款维护，贷款试算 中银理财计划，外汇交易，黄金交易，基金交易，B 股银证转账，第三方存管，国债交易，银期转账；小额结售汇；贷款查询 信用卡 信用卡服务(办卡、换卡申请，透支还款，信用卡资料查询、修改等) 信用卡开卡，信用卡查询，信用卡还款，购汇还款，信用卡管理，3DS 管理，信用卡查询，信用卡还款，信用卡功能设定表1 网上个人业务 5．个人网银业务小结对工商银行、建设银行和中国银行的个人网银业务整合后，基本可以分为5类服务项目，即账户管理、支付缴费、投资理财及信用卡服务。
信息系统外文文献翻译---系统的分析与设计
附录1 外文翻译(原文)Systems Analysis and DesignWorking under control of a stored program, a computer processes data into information. Think about that definition for a minute. Any given computer application involves at least three components: hardware, software, and data. Merely writing a program isn't enough; because the program is but one component in a system.A system is a group of components that work together to accomplish an objective. For example, consider a payroll system. Its objective is paying employees. What components are involved? Each day，employees record their hours worked on time cards. At the end of each week, the time cards are collected and delivered to the computer center, where they are read into a payroll program. As it runs, the program accesses data files. Finally, the paychecks are printed and distributed. For the system to work, people, procedures, input and output media, files, hardware, and software must be carefully coordinated. Note that the program is but one component in a system.Computer-based systems are developed because people need information. Those people, called users, generally know what is required, but may lack the expertise to obtain it. Technical professionals, such as programmers, have the expertise, but may lack training in the user's field. To complicate matters, users and programmers often seem to speak different languages, leading to communication problems. A systems analyst is a professional who translates user needs into technical terms, thus serving as a bridge between users and technical professionals.Like an engineer or an architect, a systems analyst solves problems by combining solid technical skills with insight, imagination, and a touch of art. Generally, the analyst follows a well-defined, methodical process that includes at least the following steps;1.Problem definition2.Analysis3.Design4.Implementation5.MaintenanceAt the end of each step, results are documented and shared with both the user and the programmers. The idea is to catch and correct errors and misunderstandings as early as possible. Perhaps the best way to illustrate the process is through example.Picture a small clothing store that purchases merchandise at wholesale, displays this stock, and sells it to customers at retail. On the one hand, too much stock represents an unnecessary expense. On the other hand, a poor selection discourages shoppers. Ideally, a balance can be achieved: enough, but not too much.Complicating matters is the fact that inventory is constantly changing, with customer purchases depleting stock, and returns and reorders adding to it. [1] The owner would like to track inventory levels and reorder and given item just before the store runs out. For a single item, the task is easy-just count the stock-on-hand. Unfortunately, the store has hundreds of different items, and keeping track of each one is impractical. Perhaps a computer might help.2-1 Problem DefinitionThe first step in the systems analysis and design process is problem definition. The analyst's objective is determining what the user (in this case, the store's owner) needs. Note that, as the process begins, the user possesses the critical information, and the analyst must listen and learn. Few users are technical experts. Most see the computer as a "magic box, "and are not concerned with how it works. At this stage, the analyst has no business even thinking about programs, files, and computer hardware, but must communicate with the user on his or her own term.The idea is to ensure that both the user and the analyst are thinking about the same thing-Thus, a clear, written statement expressing the analyst's understanding of the problem is essential. The user should review and correct this written statement. The time to catch misunderstandings and oversights is now, before time, money and effort are wasted.Often, following a preliminary problem definition, the analyst performs a feasibility study. The study a brief capsule version of the entire systems analysis and design process, attempts to answer three questions:1.Can the problem be solved?2.Can it be salved in the user's environment?3.Can it be solved at a reasonable cost?If the answer to any one of these questions is no, the system should not be developed. Given a good problem definition and a positive feasibility study, theanalyst can turn to planning and developing a problem solution.2- 2 AnalysisAs analysis begins, the analyst understands the problem. The next step is determining what must be done to solve it. The user knows what must be done 1 during analysis; this knowledge is extracted and formally documented. Most users think in terms of the functions to be performed and the data elements to be manipulated. The objective is to identify and link these key functions and data elements, yielding a logical system design.Start with the system's basic functions. The key is keeping track of the stock-on-hand for each product in inventory. Inventory changes because customers purchase, exchange, and return products, so the system will have to process customer transactions. The store's owner wants to selectively look at the inventory level for any product in short supply and, if appropriate, order replacement stock, so the system must be able to communicate with management. Finally, following management authorization, the system should generate a reorder ready to send to a supplier.Fig 1Given the system's basic functions, the analyst's next task is gaining a sense of their logical relationship. A good way to start is by describing how data flow between the functions. As the name implies, data flow diagrams are particularly useful for graphically describing these data flows. Four symbols are used (Fig. 1). Data sources and destinations are represented by squares; input data enter the system from a source, and output data flow to a destination. Once in the system, the data are manipulated or change by processes, represented by round-corner rectangles. A process might be a program, a procedure, or anything else that changes or moves data. Data can be held for later processing in data stores, symbolized by open-ended rectangles. A data store might be a disk file, a tape file, a database, written notes, or even a person's memory.Finally, data flow between sources, destinations, processes, end data stores over data flows, which are represented by arrows.Fig 2Figure 2 shows a preliminary data flow diagram for the inventory system. Start with CUSTOMER. Transactions flow from a customer f into the system, where they are handled by Process transaction. A data store, STOCK, holds data on each item in inventory. Process transaction changes the data to reflect the new transaction. Meanwhile, MANAGEMENT accesses the system through Communicate, evaluating the data in STOCK and, if necessary, requesting a reorder. Once, a reorder is authorized. Generate reorder sends necessary data to the SUPPLIER, who ships the items to the store. Note that, because the reorder represents a change in the inventory level of a particular product or products it is handled as a transaction.The data flow diagram describes the logical system. The next step is tracing the data flows. Start with the destination SUPPLIER. Reorders flow to suppliers; for example, the store might want 25 pairs of jeans. To fill the order, the supplier needs the product description and the reorder quantity. Where do these data elements come from? Since they are output by Generate reorder, they must either be Input to or generated by this process. Data flow into Generate reorder for STOCK; thus, product descriptions and reorder quantities must be stored in STOCK.Other data elements, such as the item purchased and the purchase quantity are generated by CUSTOMER. Still others, for example selling price and reorder point, are generated by or needed by MANAGEMENT. The current stock-on-hand for a given item is an example of a data element generated by an algorithm in one of the procedures. Step by step, methodically, the analyst identifies the data elements to be input to .stored by, manipulated by, generated by, or output by the system.To keep track of the data elements, the analyst might list each one in a datadictionary. A simple data dictionary can be set up on index cards, but computerized data dictionaries have become increasingly popular. The data dictionary, a collection of data describing and defining the data, is useful throughout the systems analysis and design process, and is often used to build a database during the implementation stage.The idea of analysis is to define the system's major functions and data elements methodically. Remember that the objective is translating user needs into technical terms. Since the system starts with the user, the first step is defining the user's needs. Users think in terms of functions and data. They do not visualize programs, or files, or hardware .and during this initial, crucial analysis stage it is essential that the analyst think like a user, not like a programmer.Data flow diagrams and data dictionaries are useful tools. They provide a format for recording key information about the proposed system. Also, they jog the analyst's memory) for example, if the analyst doesn't have sufficient information to complete a data dictionary entry, he or she has probably missed something. Perhaps most importantly, the data flow diagram and the data dictionary document the analyst's understanding of the system requirements. By reviewing these documents, the user can correct misunderstandings or oversights. Finally, they represent an excellent starting point the next step, design.2-3 DesignAs we enter the design stage, we know what the system must do, and thus can begin thinking about how to do it. The objective is to develop a strategy for solving the problem. At this stage, we are not interested in writing code or in defining precise data structures; instead, we want to identify, at a black box level, necessary programs, files, procedures, and other components.The data flow diagram defines the system's necessary functions; how might they be implemented? One possibility is writing one program for each process. Another is combining two or more processes in a single program; there are dozens of alternative solutions. Let's focus on one option and document it.A system flowchart uses symbols to represent programs, procedures, hardware devices, and the other components of a physical system (Fig. 3). Our flowchart (.Fig.4) shows that transaction data enter the system through a terminal, are processed by a data collection program, and then are stored on an inventory file. Eventually, the inventory file is processed by a Report and reorder program. Through it, management manipulates the data and authorizes reorders.Fig. 4 on a system flowchart, symbols represent programs, procedures, hardware devices, and the other components of a physical system.Fig 3Look at the system flowchart. It identifies several hardware components, including a computer, a disk drive, a data entry terminal, a printer, and a display terminal. Two programs are needed; Process transaction and Report and reorder. In addition to t he hardware and the programs, we’ll need data structures for the inventory file and for data flaws between the I/O devices and the software. Note that this system flowchart illustrates one possible solution; a good analyst will develop several feasible alternatives before choosing one.Fig 4The flowchart maps the system, highlighting its major physical components. Since the data link the components, the next task is defining the data structures.Consider, for example, the inventory file. It contains all the data elements from the data store STOCK. The data elements are listed in the data dictionary. Using them, the file's data structure can be planned,How should the file be organized? That depends on how it will be accessed. For example, in some applications, data are processed at regular, predictable intervals. Typically, the data are collected over time and processed together, as a batch. If batch processing is acceptable, a sequential file organization is probably best.It is not always possible to wait until a batch of transactions is collected, however. For example, consider an air defense early warning system. If an unidentified aircraft is spotted it must be identified immediately the idea of waiting until 5 _ 00 p.m. because "that's when the air defense program is run" is absurd. Instead, because of the need for quick response, each transaction must be processed as it occurs. Generally such transaction processing systems call for direct access file.Our inventory system has two programs. One processes transactions. A direct access inventory file seems a reasonable choice. The other allows management to study inventory data occasionally; batch processing would certainly do. Should the inventory file be organized sequentially or directly? Faced with such a choice a good analyst considers both options. One possible system might accept transactions and process them as they occur. As an alternative, sales slips might be collected throughout the day and processed as a batch after the store closes. In the first system, the two programs would deal with direct access files; in the second system, they would be linked to sequential files. A program to process direct access data is different from a program to process sequential data. The data drive the system. The choice of a data structure determines the program’s structure. Note that the program is defined and planned in the context of the system.2- 4 ImplementationOnce the system's major components have been identified .we can begin to develop them. Our system includes two programs, several pieces of equipment, and a number of data structures. During implementation, each program is planned and written using the techniques described in Chapter 7. Files are created, and their contents checked. New hardware is purchased, installed, and tested. Additionally, operating procedures are written and evaluated. Once all the component parts are ready, the system is tested. Assuming the user is satisfied, the finished system is released.2- 5 MaintenanceMaintenance begins after the system is released. As people use it, they will suggest minor improvements and enhancements. Occasionally, bugs slip through debug and testing, and removing them is another maintenance task. Finally, conditions change, and a program must be updated; for example, if the government passes a low changing the procedure for collecting income taxes, the payroll program must be modified. Maintenance continues for the life of a system, and its cost can easily match or exceed the original development cost. Good planning, solid documentation, and well-structured programs can help to minimize maintenance cost.附录2 外文翻译(译文)系统的分析与设计在存储程序的控制下，计算机把数据处理成信息。
网上银行系统分析报告
业务特点：安全可靠、功能强大、方便快捷、信息丰富
网上业务较多,无论是在投资、管理、借贷、理财等各个方面,都做的比较完善.而且设置灵活--以登录卡为主线，可为牡丹信用卡、灵通卡、外币活期一本通等不同类型的账户申请不同功能,并可在线对各种账户的各项功能进行修改。中国工商银行的网上银行分为金融@家存折版、金融@家网上注册版、金融@家柜面注册版和金融@家证书版，成为工行的网上银行客户后，您除了可以在线任意转账汇款、简便的信用卡网上还款、灵活方便的在线缴费外，它还可以实现便捷高效的网上支付和专业化的外汇、证券和保险信息及交易服务。工行的网上银行针对不同的客户进行了业务细分，这在极大程度上方便了用户根据自己的情况选择业务种类。网上银行登录速度较快，安全性也非常不错。
1.主动付款：可由中国建设银行签约账户向全国任何一个商业银行的账户进行转账；
2.主动收款：经过对方授权可以主动收取国内中国建设银行其他机构企业3.实现中国建设银行账户之间资金调拨实时到账；
4.实现网上批量代发工资；
5.实现企业电子商务，组建网上商城。
资金管理
1．离岸业务：银行吸收居民的资金，为非居民服务
（1）、中国银行
在对公业务中：中国银行在国际结算业务中与其他三家国有银行区别较大，其中进口汇利达是中国银行独具特色的贸易融资新产品，出口全益达是中国银行专门设计的贸易融资综合解决方案。中国银行在国际结算业务中还有一个比较特色的业务是：国际金融机构及政府贷款项下贸易结算。中国银行的船情调查业务是中国银行通过与国际海事局、LLOYDS合作，向客户提供包括承运人、船名、起运港、货物情况等在内的调查服务。这些服务都其他三家国有银行所不具备的业务。 对私业务中：除基本的业务外，中国银行还具有赴英留学特色金融服务——为赴英留学生量身定制的代理开户见证业务
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外文翻译Analytical Study on Internet Banking System Material Source: / Author:Fahad H.Alshammari1. INTRODUCTIONConsumer behavior is changing partly because of more spare time. The way of use of financial services is characterized by individuality, mobility, independence of place and time, and flexibility. Financial transactions caused by purchases will more and more be carried out by non- and near-banks [1]. These facts represent big challenges for providers of financial services. More and more the Internet is considered to be a "strategic weapon".Financial services companies are using the Internet as a new distribution channel. The goals are: complex products may be offered in an equivalent quality with lower costs to more potential customers;There may be contacts from each place of earth at any time of day or night.This means that financial institutions may enlarge their market area without building new offices or field services,respectively[2]. Because of its image as an innovative corporation, better interacting possibilities, the usage of rationalization potentials, promotion of self-serviced as,the improvement of its competitive situation by development of core competencies together with the construction of market entry barriers, it may be possible to increase profits and market shares.One way of exploiting rationalization potentials is the implementation of the entire transaction (from purchase to payment) under a common user interface. Information collected in operative databases of financial institutions allows them to act as information brokers. Offering special information in closed user groups may result in more intense customer commitment, as well as customer bonding. Know-how that is built up by Internet presence may be used to facilitate Internet presence of smaller companies. The use of digital coin-based money to completely settle transactions in the Internet is a new service provided by financial institutions [4].In the recent years there has been explosion of Internet-based electronic banking applications states that the emergence of new forms of technology has created highly competitive market conditions for bank providers.However, the changed market conditions demand for banks to better understanding of consumers'needs.In [5] stress that the success in Internet banking will be achieved with tailored financial products and services that fulfill customer' wants, preferences and quality expectations. concedes that customer satisfaction is a key to success in Internet banking and banks will use different media to customize products and services to fit customers' specific needs in the future. Suggest that consumer perceptions of transaction security, transaction accuracy, user friendliness, and network speed are the critical factors for success in Internet banking. From this perspective, Internet banking includes many challenges for human computer interaction (HCI).In [6] have remarked that there are at least two major HCI challenges in Internet banking. The first challenge is related to the problem how to increase the number of services of Internet banking and simultaneously guarantee the quality of service for individual customers.The second challenge is related to the problem how to understand customer's needs, translate them into targeted content and present them in a personalized way in usable user interface [7]. Imply that Internet banking research will concentrate more on HCI factors in the future. Recently, emphasize that now is an ideal time for HCI researchers to analyse user satisfaction, because there is growing interest in how to attract and increase the number of online customers in e-business and e-commerce. Stress that HCI researchers should reveal a structure of user satisfaction, determine how to evaluate it and conclude how it is related to the overall user experience of online customers. The concept of electronic banking has been defined in many ways electronic banking is a construct that consists of several distribution channels. Defines electronic banking as the delivery of banks' information and services by banks to customers via different delivery platforms that can be used with different terminal devices such as a personal computer and a mobile phone with browser or desktop software,telephone or digital television [8],[9].2. METHODOLOGY2.1. Functional RequirementGeneral principles of requirements engineering is a distinction between requirements definitions and requirements specifications.A software requirements definition is an abstract description of the services which the system should provide and the constraints under which the system must operate. And requirements definition is probably the most important technique in structured analysis. It is the only technique that permeates every step of the method.It also is one of the least pictorial, making it difficult to describe precisely. In essence, the technique involves capturing what the users really want and making sure that every subsequent project activity leads to the best possible transformation of those user needs into system needs which, when satisfied, will deliver what the users wanted in the first place.CustomerThe valid customer on internet banking has a set of requirements he/she does on internet banking. These requirements are offered on next pointes.LoginA customer to be able to use this system, he/she has to enter username and password which he/she has created before and been saved in the database in the Login page.This function might be a customer or an Admin also.The input in this function most be valid username and valid password and the output if the user is valid user then he/she will get into a page which can makes has/hertransaction, but if the user made wrong in username or password then he/she will be invalid user and will see a message “Alert Invalid Username and Password” and to login again.View AccountThe customer can also view transaction history with retention period up to a maximum of 90 days. Within this feature, the customer can request for account such as “view online, by e-mail or by post option. But the customer most be logged in the internet banking.View account allows to a customer to view today’s up-to the minute information deposit(saving/current),credit card, etc.Transfer FundsThe customer must be logged into Banking System to be able to make his/her transaction for transfer funds.Transfer Funds allows customer to transfer funds between authorized accounts – own personal accounts.Requested transfer take place immediately or at a selected future date specified by customer. The customer can save up to a maximum of 10 accounts and update or delete the account details. All the outstanding future transfers are recorded in a table. The customer can enquire whether there is any funds transfer pending and. when the customer selects the Transfer funds, the system will display Menu to select Transfer Funds function for transfer funds or Transfer History function for display the transaction he/she done.Pay BillsCheque ServicesThe customer most be logged into Banking System.The customer may enquiries cheque status, whether it is paid,unpaid, stopped or returned. It also allows customer to stop cheque payment and to request for a cheque book online.UtilityThe customer most be logged into Banking System. Utility allows customer to change password and the secure delivery contact information. Within this feature, the customer can also change the online profile personal information that is retained by the internet banking system only. And the customer can cancel the ATM facilities.LogoutThe customer most be logged into Banking System. This function is used when a logged in user finishes his/her job and wants to be logged out so that no one can abuse his username. The system will state the user has been logged out successfully.AdministratorAn administrator is that person who makes some editing for the internet banking system like add/cancel customer,check the transactions etc. but this administrator must be valid user. Therefore the administrator must have a username and password. In the project we will not go deep in an administrator because we will focus on the customer and his/her requirements more than the administrator.2.2. Functional Requirement SpecificationRequirements specifications add further information to the requirements definition. Natural language is often used to write requirements specifications. However, a natural language specification is not a particularly good basis for either a design or a contract between customer and system developer.A Functional Requirements Specification describes what is required to meet the users' business needs. Functional requirements specify which actions the design must provide in order to benefit the system's users. Functional requirements are determined by the needs, user, and task analysis of the current system.CustomerWe mention to what the customer needs to do on internet banking system and we are going to go through these needs and how the customer can do it.LoginDefinition: For the users to be able to use this system, they have to enter username and password which they have created before and been saved in thedatabase in the Login page. The user might be a customer or an Admin also.View AccountTransfer FundsDefinition: Transfer Funds allows customer to transfer funds between authorized accounts –own personal accounts. Requested transfer take place immediately or at a selected future date specified by customer.Pay BillsDefinition: The customer selects the Bill Payment unctionality then the system displays Bill Payment Menu, and the customer selects one of four functionalities rom Bill Payment menu.Pay Registered PaymentOpen PaymentPay Registration/Delete Registration BillsBill Payment HistoryIf the customer wants to display his/her payment history just he/she has to click on Bill Payment History, the system will display the transaction he/she done.Pre conditions: The customer must be a valid customer and signed in the system for all these functions.Post conditions: The customer clicks on the logout button or select other functionality for all these functions.Cheque ServicesUtilityLogout2.3. Non-functional RequirementsNon-functional requirements are requirements that are not directly concerned with the specific functions delivered by the system. They may relate to emergent system properties such as reliability, response time and store occupancy. They may specify system performance, security, availability, and other emergent properties. This means that they are often more critical than individual functional requirements. System users can usually find ways to work around a system function that doesn’t really meet their needs. However, failing to meet a non-functional requirement can mean that the whole system is unusable. Non-functional requirements needed in this internet banking system are identified as performance requirements, safety requirements, security requirements and software quality attributes.2.3.1 Performance RequirementsIncrease Customer SatisfactionExpand Product OfferingsReduce Overall Costs2.3.2 Safety RequirementsBackup, recovery & business continuityBanks should ensure adequate back up of data as may be required by their operations. Banks should also have, well documented and tested business continuity plans that address all aspects of the bank’s business.2.3.3 Security RequirementsWe understand that there is nothing more important than knowing that transactions are private and secure.Therefore, we have applied the very latest in technology when creating the Internet Banking security architecture.The best way to understand the security architecture within the Internet Banking is to take it one step at a time.These security features are described briefly below.Account ID and Password (PIN) ProtectionAuto Timeout Screen BlankingSign-off ButtonFailed Log-on AttemptsEncryption3. CONCLUSIONIn this paper, an analytical study for internet banking system has been presented. The banking system should be built within special requirements, since that the functional requirements and its specification has been proposed. The non-functional requirements represent the quality of the system but in internet banking system consider as most important requirements for the system.The security is one of these requirements which is considered as non-functional requirements and in many systems it’s still not achieved. While in internet banking system it considered as one of the main requirements for the system what determine the success or fail of the system. Suggestion for best use for these requirements has Journal of Computing, been proposed in order to identify the requirements and how it is possible to achieve it.网上银行系统分析研究资料来源:/ 作者：法赫德阁下Alshammari 简介消费者行为正在改变，部分原因是更多闲暇的时间。