php实现银行

PHP实现银行系统的基本功能

开发一个银行系统需要处理账户管理、交易记录、安全性等核心功能。以下是关键实现步骤：

数据库设计

创建必要的数据库表结构：

CREATE TABLE accounts (
    account_id INT PRIMARY KEY AUTO_INCREMENT,
    user_id INT NOT NULL,
    account_number VARCHAR(20) UNIQUE NOT NULL,
    balance DECIMAL(15,2) DEFAULT 0.00,
    account_type ENUM('savings', 'current') NOT NULL,
    created_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP
);

CREATE TABLE transactions (
    transaction_id INT PRIMARY KEY AUTO_INCREMENT,
    account_id INT NOT NULL,
    amount DECIMAL(15,2) NOT NULL,
    transaction_type ENUM('deposit', 'withdrawal', 'transfer') NOT NULL,
    reference VARCHAR(255),
    timestamp TIMESTAMP DEFAULT CURRENT_TIMESTAMP,
    FOREIGN KEY (account_id) REFERENCES accounts(account_id)
);

账户管理功能

实现账户创建和查询功能：

class BankAccount {
    private $db;

    public function __construct($dbConnection) {
        $this->db = $dbConnection;
    }

    public function createAccount($userId, $accountType) {
        $accountNumber = $this->generateAccountNumber();
        $stmt = $this->db->prepare("INSERT INTO accounts (user_id, account_number, account_type) VALUES (?, ?, ?)");
        $stmt->execute([$userId, $accountNumber, $accountType]);
        return $accountNumber;
    }

    private function generateAccountNumber() {
        return 'AC' . date('Ymd') . str_pad(mt_rand(0, 9999), 4, '0', STR_PAD_LEFT);
    }
}

交易处理功能

实现存款、取款和转账操作：

class Transaction {
    private $db;

    public function __construct($dbConnection) {
        $this->db = $dbConnection;
    }

    public function deposit($accountId, $amount) {
        $this->db->beginTransaction();
        try {
            $this->updateBalance($accountId, $amount);
            $this->recordTransaction($accountId, $amount, 'deposit');
            $this->db->commit();
            return true;
        } catch (Exception $e) {
            $this->db->rollBack();
            return false;
        }
    }

    private function updateBalance($accountId, $amount) {
        $stmt = $this->db->prepare("UPDATE accounts SET balance = balance + ? WHERE account_id = ?");
        $stmt->execute([$amount, $accountId]);
    }
}

安全措施

实施必要的安全防护：

• 使用预处理语句防止SQL注入
• 对敏感数据进行加密存储
• 实现CSRF保护
• 设置严格的权限控制

用户认证

实现安全的登录系统：

class Auth {
    private $db;

    public function __construct($dbConnection) {
        $this->db = $dbConnection;
    }

    public function login($username, $password) {
        $stmt = $this->db->prepare("SELECT * FROM users WHERE username = ?");
        $stmt->execute([$username]);
        $user = $stmt->fetch();

        if ($user && password_verify($password, $user['password'])) {
            $_SESSION['user_id'] = $user['id'];
            return true;
        }
        return false;
    }
}

报表生成

创建交易历史查询功能：

public function getTransactionHistory($accountId, $limit = 10) {
    $stmt = $this->db->prepare("SELECT * FROM transactions WHERE account_id = ? ORDER BY timestamp DESC LIMIT ?");
    $stmt->execute([$accountId, $limit]);
    return $stmt->fetchAll();
}

以上代码示例展示了PHP实现银行系统核心功能的基本框架。实际开发中需要根据具体需求扩展功能，并加强安全措施。