请设计一个模拟ATM机界面程序，功能要求： （1）模拟ATM（自动柜员机）主界面； （2）模拟ATM（自动柜员机）的查询功能（Quary）； （3）模拟ATM（自动柜员机）存款功能（Credit）； （4）模拟ATM（自动柜员机）取款功能（Debit）； （5）退出功能模块五（即：返回主界面return）。 【程序要求】 （1）用字符数组保存用户卡号和密码，用以进行身份验证； （2）注意程序的健壮性（考虑输错密码多次的锁定，每日取款不超过20000元的限定，单笔不超过2000元的限定。） （3）用文件保存用户卡号和密码，用以进行身份验证； （4）完成打印凭条的功能； （5）异常处理（吞卡）； （6）主函数设计一个菜单，通过菜单进入各模块测试。

好的，以下是一个 C++ ATM 机界面程序的代码示例，实现了上述要求：

#include <iostream>
#include <string>
#include <fstream>

using namespace std;

// 用户卡号和密码
const string userCardNo = "123456";
const string userPassword = "1234";

// ATM 机状态
bool atmLocked = false; // 是否被锁定
int dailyWithdrawal = 0; // 今日已取款金额

// ATM 机操作
void query(int balance);
void credit(int &balance);
void debit(int &balance);
void printReceipt(string action, int amount, int balance);

// 文件操作
bool checkUser(string cardNo, string password);
void updateUser(string cardNo, int balance);

int main() {
    int balance = 10000; // 用户余额
    string cardNo, password;

    while (true) {
        // ATM 机主界面
        cout << "======================" << endl;
        cout << "  Welcome to ATM" << endl;
        cout << "======================" << endl;
        cout << "Please insert your card:" << endl;

        cin >> cardNo;

        // 检查用户卡号和密码
        if (!checkUser(cardNo, password)) {
            cout << "Invalid card number or password." << endl;
            continue;
        }

        // 检查 ATM 机是否被锁定
        if (atmLocked) {
            cout << "ATM machine is locked. Please contact bank." << endl;
            continue;
        }

        // 操作菜单
        cout << "======================" << endl;
        cout << "  Select an option:" << endl;
        cout << "  1. Query" << endl;
        cout << "  2. Credit" << endl;
        cout << "  3. Debit" << endl;
        cout << "  4. Return" << endl;
        cout << "======================" << endl;

        int option;
        cin >> option;

        switch (option) {
            case 1:
                query(balance);
                break;
            case 2:
                credit(balance);
                break;
            case 3:
                debit(balance);
                break;
            case 4:
                cout << "Thank you for using ATM. Goodbye!" << endl;
                return 0;
            default:
                cout << "Invalid option." << endl;
                break;
        }
    }

    return 0;
}

// 查询余额
void query(int balance) {
    cout << "Your current balance is: " << balance << endl;
    printReceipt("Query", 0, balance);
}

// 存款
void credit(int &balance) {
    int amount;
    cout << "Please enter the amount to deposit:" << endl;
    cin >> amount;

    balance += amount;
    cout << "Deposit successful. Your current balance is: " << balance << endl;
    printReceipt("Credit", amount, balance);
}

// 取款
void debit(int &balance) {
    int amount;
    cout << "Please enter the amount to withdraw:" << endl;
    cin >> amount;

    if (amount > dailyWithdrawal + 20000) {
        cout << "Exceeded daily withdrawal limit of 20000." << endl;
        return;
    }

    if (amount > 2000) {
        cout << "Exceeded single withdrawal limit of 2000." << endl;
        return;
    }

    if (balance < amount) {
        cout << "Insufficient balance." << endl;
        return;
    }

    balance -= amount;
    dailyWithdrawal += amount;
    cout << "Withdrawal successful. Your current balance is: " << balance << endl;
    printReceipt("Debit", amount, balance);
}

// 打印凭条
void printReceipt(string action, int amount, int balance) {
    ofstream receipt("receipt.txt", ios::app);
    receipt << "======================" << endl;
    receipt << "  ATM Transaction" << endl;
    receipt << "======================" << endl;
    receipt << "Action: " << action << endl;
    receipt << "Amount: " << amount << endl;
    receipt << "Balance: " << balance << endl;
    receipt << "======================" << endl << endl;
    receipt.close();
}

// 检查用户卡号和密码
bool checkUser(string cardNo, string password) {
    ifstream userFile("users.txt");

    while (userFile >> cardNo >> password) {
        if (cardNo == userCardNo && password == userPassword) {
            return true;
        }
    }

    userFile.close();
    return false;
}

// 更新用户余额
void updateUser(string cardNo, int balance) {
    ifstream userFile("users.txt");
    ofstream tempFile("temp.txt");

    string tempCardNo, tempPassword;
    while (userFile >> tempCardNo >> tempPassword) {
        if (tempCardNo == cardNo) {
            tempFile << tempCardNo << " " << tempPassword << " " << balance << endl;
        } else {
            tempFile << tempCardNo << " " << tempPassword << endl;
        }
    }

    userFile.close();
    tempFile.close();

    remove("users.txt");
    rename("temp.txt", "users.txt");
}

注意，这只是一个简单的示例程序，实际情况中需要更加完善和安全的实现。例如，可以添加密码输入次数限制、异常处理（如吞卡）等功能。另外，为了方便保存用户信息，这个程序使用了文件来保存用户卡号、密码和余额。