1、 外文翻译 Analytical Study on Internet Banking System Material Source: http:/www.openj-gate.org/ Author: Fahad H.Alshammari 1. INTRODUCTION Consumer behavior is changing partly because of more spare time. The way of use of financial services is characterized by individuality, mobility, independence of p
2、lace 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 comp
3、anies 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 enla
4、rge their market area without building new offices or field services,respectively2. 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
5、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. Informati
6、on 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 facil
7、itate 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 em
8、ergence 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 product
9、s 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 per
10、ceptions 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
11、 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 customers
12、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, beca
13、use 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 c
14、ustomers. 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
15、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. METHODOLOGY 2.1. Functional Requirement General principles of requirements engineering is a distinction between requirements definitions and re
16、quirements 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 onl
17、y 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 transformat
18、ion of those user needs into system needs which, when satisfied, will deliver what the users wanted in the first place. Customer The valid customer on internet banking has a set of requirements he/she does on internet banking. These requirements are offered on next pointes. Login A customer to be ab
19、le 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 val
20、id user then he/she will get into a page which can makes has/her transaction, 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. The customer can also view transaction history with reten
21、tion 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 todays up-to the minute information deposit(saving/cu
22、rrent),credit card, etc. The 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
23、 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,
24、 the system will display Menu to select Transfer Funds function for transfer funds or Transfer History function for display the transaction he/she done. The customer most be logged into Banking System.The customer may enquiries cheque status, whether it is paid,unpaid, stopped or returned. It also a
25、llows customer to stop cheque payment and to request for a cheque book online. The 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 inform
26、ation that is retained by the internet banking system only. And the customer can cancel the ATM facilities. The 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 w
27、ill state the user has been logged out successfully. ministrator An 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
28、 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 Specification Requirements specifications add further information to the requirements definition. Natural language
29、 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.
30、 Functional requirements specify which actions the design must provide in order to benefit the systems users. Functional requirements are determined by the needs, user, and task analysis of the current system. We mention to what the customer needs to do on internet banking system and we are going to
31、 go through these needs and how the customer can do it. Definition: 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 the database in the Login page. The user might be a customer or an Admin also. Definition: Transf
32、er 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. Definition: The customer selects the Bill Payment unctionality then the system displays Bill Payment Menu, and t
33、he customer selects one of four functionalities rom Bill Payment menu. If 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 t
34、he system for all these functions. Post conditions: The customer clicks on the logout button or select other functionality for all these functions. 2.3. Non-functional Requirements Non-functional requirements are requirements that are not directly concerned with the specific functions delivered by t
35、he 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 us
36、ers can usually find ways to work around a system function that doesnt 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 requireme
37、nts, safety requirements, security requirements and software quality attributes. 2.3.1 Performance Requirements 2.3.2 Safety Requirements business continuity Banks should ensure adequate back up of data as may be required by their operations. Banks should also have, well documented and tested busine
38、ss continuity plans that address all aspects of the banks business. 2.3.3 Security Requirements We 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 securit
39、y 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. -off Button -on Attempts 3. CONCLUSION In this paper, an analytical study for internet banking system has been present
40、ed. 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 syste
41、m.The security is one of these requirements which is considered as non-functional requirements and in many systems its 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 be
42、st 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 :http:/www.openj-gate.org/ 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。金融服务使用方法的特点是个性化、流动性、时间地点的独立性和灵活性。金融交易造成的采购将越来越与银行远近无关。这些事实体现了金融服
43、务给提供商的巨大挑战。越来越多的互联网络被认为是一个“战略性武器”。金融服务公司正在利用一个新的网络销售渠道。他的目的是：复杂的产品可能会在同等质量但是却更低成本的提供给潜在的客户 ;并且可能在任何时间任何地方都可以接触到。 这意味着金融机构在没有建立新的办事处或者现场服务的情况下扩大了市场领域。其作为一 个创新的公司形象，是更好的互动成为了可能，可以使用合理化潜能。其核心能力的发展与竞争状况和进入壁垒的市场共同促进服务的推广，他很有可能会增加市场份额和利润。 利用合理化潜能的一个途径是整个交易（采购到付款）在共同的用户界面的实现。在金融机构执行数据库中允许他们采取行动收取信息的信息经纪人。在
44、封闭的用户群提供特殊的信息可能会导致更加激烈的客户的投诉，以及客户的反馈。诀窍是建立英特网的存在，也许会促进互联网小公司的生成。以硬币的数字为基础的资金使用，彻底解决了网上交易时存在的问题，并且建立了一个新的金融机构提供 服务。 在最近几年出现了基于互联网的电子银行应用程序的技术，创造了新形式的银行供给，然而在市场变化的条件下，银行要求以更好的服务对待消费者的需求，从而来了解和面对各国激烈竞争的金融市场。 这段强调的是，在网上银行成功的将是实现为客户的需求欲望喜好和质量的期望量身订造的金融产品与服务。客户的满意度是对网上银行和银行使用不同媒介进行服务的成功关键，所以要立志于定制服务和产品以适应
45、未来的客户的特殊需要。网上银行成功的关键因素：交易安全、交易准确、用户友好、消费观念和网络速度。从这个角度来来看，网上银行业务是一个人 机交互的具有挑战性的业务。 这段讲的是两个以上主要的人机交互的网上银行挑战。第一个挑战是与问题有关的如何加大网上银行服务的数量，同时保证服务质量的个别化需要。第二个挑战是如何解决相关的问题，了解客户需求，转化为有针对性的方式，然后提交一个他们提交的可用的个性化的用户界面的方式。这意味着网上银行的研究将集中在未来更多信息的人机交互因素中来。今日，强调现在是一个理想的人机交互研究的阶段来分析用户的满意度，因为有越来越多的在如何吸引和增加网上客户进行研究在电子商务和
46、电子商务的兴趣领域。应该强调的是人机交互的研 究人员揭示了用户满意度的结构，确定如何对其进行评估和总结，他是关于如何涉及到的网上客户的整体客户体验。电子银行业务的概念已被多种方式定义，电子银行业务是一个结构，它包括几个分销渠道。定义为银行的信息传递和银行电子银行服务的客户同个不同的传递，可与不同的终端设备使用连接，例如个人电脑和一个浏览器或桌面软件，电话或移动电话数字电视平台。 方法 功能需求 需求工程的一般原则是需求定义和需求之间的规格区别。 一个软件需求定义的服务是该系统提供和约束下，系统必须操作的抽象描述，定义和需求可能是在结构分析中最重要的技术 。这是唯一的技术，贯穿于每一个步骤的方法
47、。它也是最难规划的，因为他很难精确描述。在本质上讲，技术包括捕捉用户正真想要什么，并且确保以后每项活动以用户的需要将系统的服务变成他们需求能满足的系统服务，以客户需求为中心。 客户 关于网上银行的有效客户的需要，但是并没有在网上银行进行设置，那么这些要求在下次提供中给予实现。 登入 一个客户可以使用这个系统，他（她）必须输入用户名和密码，他在之前创建并已经在数据库中保存登入页面，这项功能可以是一个客户也可以是管理员。 在这个函数输入最有效的用户名和密码，有效的输入 ,如 果用户是有效用户，然后她将进入一个网页，可以使他进行交易，但如果用户在用户名没有或者密码错误的情况下，他将是无效用户，在看到
48、一条消息为“惊爆无效用户名 和密码”，重新登入。 查看账户 查看账户允许客户以检视今天的注册用户到（储蓄电流）付款、信用卡等等，客户还可以查看历史交易与保存在期限为 90 天的交易。在这个功能，客户可以要求账户做如下操作，如“浏览网上通过电子邮件或者邮寄的选择，但是客户会被记录下来在网上。 转账 客户必须到银行等人系统，以便能够弥补资金转移。他的事务允许客户账户之间的资金转移。拥有个人资 金账户，申请立即进行转移，或者在未来客户指定的日子里完成。客户可以查询很多时间，更新或者删除该彰化的详细资料。所有准确的转账记录都在里面。客户可以查询到是否有任何带出来的或者待转移的资金。当顾客选择转账，系统
49、会现实菜单选择要显示转移资金或转移资金的移动函数，他们进行资金交易。 薪酬法案 支票服务 客户最有可能进入银行系统，客户查询记录检查状态，无论是有偿或者无偿或者停止返回，它也允许客户停止支付支票，并要求接受检查网上预定。 公用事业 客户最被记录到银行系统，实用工具允许客户更改密码和安全交付的联系信息。这个功能，客户还可以更改个人信息的网上个人资料是由网上银行系统只做保留。或客户可以取消自动柜台机业务。 登出 客户被记录到银行系统。此功能用于当登 入 用户完成他 /她的工作，并 有 记录出来，让任何人都不能侵犯他的用户名。该系统将国家的用户已注销成功。管理员 管理员是谁使一些人对网上银行系统，如添加编辑 /取消客户，检查交易等，但此管理员必须是有效的用户。因此，管理者必须有一个用户名和密码。 在该项目中，我们不会去 管 管理员，因为我们将专注于客户和他 /她的要求超过了管理员。 功能需求规范 需求规格进一步增加信息的需求定义。自然语言通常用来写需求规格。 然而，自然语言规范并不是一个特别好的基础，无论是设计或与客户之间的合同和系统功能要求规范描述需要什么来满足用户的业务需求。 功能要求指定动作的设计必须提供，以造福该系统的用户。功
