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基于HTML5的银行流水模拟器开发实践
一、技术架构设计
前端三件套：
使用语义化HTML5构建页面结构
CSS3实现金融类UI的精细化呈现
ES6+实现核心业务逻辑
数据生成算法：
class TransactionEngine {
// 智能余额计算算法
_calculateBalance(prevBalance, amount) {
return parseFloat((prevBalance + amount).toFixed(2));
}
// 交易时间序列生成
generateTimeSeries(startDate, days) {
return Array(days).fill().map((_,i) => {
const date = new Date(startDate);
date.setDate(date.getDate() + i);
return date;
});
}
}
二、核心功能实现
动态数据生成：
基于蒙特卡洛模拟的交易金额算法
自适应余额计算体系
交易类型概率分布模型
数据可视化：
/ 交易数据样式化 /
tr:nth-child(even) { background-color: #f9f9f9; }
.income { color: #52c41a; font-weight: bold; }
.expense { color: #f5222d; }
数据导出：
纯前端CSV生成方案
浏览器端文件下载实现
数据水印保护机制
class BankStatementGenerator {
constructor(initialBalance = 50000) {
this.transactions = [];
this.balance = initialBalance;
this.accountNumber = this._generateAccountNumber();
this.categories = {
income: {
'工资': { min: 8000, max: 20000, freq: 0.3 },
'理财': { min: 100, max: 5000, freq: 0.2 },
'转账': { min: 50, max: 20000, freq: 0.4 }
},
expense: {
'餐饮': { min: 15, max: 200, freq: 0.6 },
'购物': { min: 100, max: 5000, freq: 0.3 },
'房租': { min: 3000, max: 8000, freq: 0.1 }
}
};
}
generate(startDate, days, options = {}) {
const dateSeries = this._generateDateSeries(startDate, days);
dateSeries.forEach(date => {
const transactionsCount = this._getDailyTransactionsCount();
for(let i = 0; i < transactionsCount; i++) {
const transaction = this._createTransaction(date);
if(transaction) this._addTransaction(transaction);
}
});
return this.transactions;
}
generateDateSeries(startDate, days) {
return Array.from({ length: days }, (, i) => {
const date = new Date(startDate);
date.setDate(date.getDate() + i);
return date;
});
}
_createTransaction(date) {
const isIncome = Math.random() > 0.6;
const categoryType = isIncome ? 'income' : 'expense';
const category = this._selectCategory(categoryType);
if(!category) return null;
const amount = this._calculateAmount(category, isIncome);
const note = this._generateNote(category.key, amount);
return {
date: date.toISOString().split('T')[0],
type: category.key,
amount: parseFloat(amount.toFixed(2)),
note,
isIncome
};
}
_selectCategory(type) {
const categories = Object.entries(this.categories[type])
.map(([key, config]) => ({ key, ...config }));
const totalFreq = categories.reduce((sum, cat) => sum + cat.freq, 0);
let random = Math.random() * totalFreq;
for(const cat of categories) {
if(random < cat.freq) return cat;
random -= cat.freq;
}
return categories[0];
}
}
_calculateAmount(category, isIncome) {
const { min, max } = category;
let amount = min + Math.random() * (max - min);
// 金额波动处理
amount *= 0.9 + Math.random() * 0.2;
// 非收入类取负值
return isIncome ? amount : -amount;
}
_generateNote(category, amount) {
const notes = {
'工资': 工资发放 ${new Date().getMonth()+1}月,
'房租': 房租支付 ${amount.toFixed(0)}元,
'餐饮': ['早餐','午餐','晚餐'][Math.floor(Math.random()*3)]
};
return notes[category] || category;
}
_addTransaction(transaction) {
this.balance += transaction.amount;
this.transactions.push({
...transaction,
balance: parseFloat(this.balance.toFixed(2)),
account: this.accountNumber,
serial: this.transactions.length + 1
});
}
_generateAccountNumber() {
return '62' + Array.from({length: 17}, () =>
Math.floor(Math.random()*10)).join('');
}
exportTo(format = 'csv') {
const formatters = {
csv: this._exportCSV.bind(this),
json: this._exportJSON.bind(this)
};
return formattersformat;
}
_exportCSV() {
const headers = ['序号','日期','类型','金额','余额','备注','账号'];
const rows = this.transactions.map(t => [
t.serial, t.date, t.type,
t.amount, t.balance, t.note, t.account
]);
return [headers, ...rows]
.map(row => row.join(','))
.join('\n');
}
_exportJSON() {
return JSON.stringify({
account: this.accountNumber,
balance: this.balance,
transactions: this.transactions
}, null, 2);
}
}
// 使用示例
const generator = new BankStatementGenerator();
const data = generator.generate('2025-01-01', 30);
console.log(generator.exportTo('csv'));
