Hi everyone, it's been a long time since I've been here. I've come along way with C++, but I'm stuck with a problem I can't come to figure out: constructor use.

NOTE: I'm not asking you to do the whole problem for me, but simply help with using the constructor correctly!

Here's the problem:
http://www.filecram.com/files/03-20-2008 11;32;08AM.JPG

This is what I have so far:
Code:
#include <iostream>
#include <string>
using namespace std;

class SavingAccount
{
   private:
   string IdNo,
          name;
   double balance,
          rate;
   public:
   //SavingAccount(string UserID, string UserName);
   string GetId();
};

string SavingAccount::GetId()
{ 
   cout <<"Please enter your I.D. number." << endl;
   cin  >> 
       
}



class ATM
{
   public:
   SavingAccount amount;
      
};

class User
{
   public:
   ATM UserAccess;
      
};
int main()
{
    User UserInfo;
    
    cout <<"AUTOMATIC TELLER MACHINE PROGRAM" << endl;
    cout <<"--------------------------------" << endl;
    cout <<"This program works like an ATM (automatic teller machine) - allowing the user to";
    cout <<"withdraw money from their account. We will withdraw $100.00 from the account." << endl;
    UserInfo.UserAccess.amount.GetId(); 

system("pause");
return 0;   
}
I know how to use construtors within a class and nested classes, but the problem I'm having are using the three functions - string GetId(), string GetName(), double GetBalance() - with the constructor. How am I suppose to pass the values called by each of the function when they all have a return type?