Virtual transaction method and system

Abstract

The present application belongs to the technical field of software management, and discloses a virtual transaction method, and the specific steps are as follows: step one: confirming the virtual enterprise identity of the transaction parties, setting the transaction parties as the principal (purchasing party) and the party B (delivery party) of the configuration transaction, and supporting manual selection or automatic configuration of the system. The present application realizes request classification processing, contract clause dynamic filling and integrity verification through modular design, effectively reduces the cost of manual intervention, enhances the traceability of the transaction process, achieves the technical effect of efficiently matching transaction objects and completing automatic generation of contracts in various virtual enterprise scenarios, improves the coordination efficiency and safety of the virtual transaction system, the introduction of third-party supervision can effectively prevent students from violating laws and regulations or training rules in the training, and ensure that the training activities are carried out within the framework of legality and compliance, and through the credit evaluation mechanism, students can be encouraged to comply with the transaction rules in the training.

Description

Technical Field

[0001] This invention belongs to the field of software management technology, specifically a virtual transaction method and system. Background Technology

[0002] Currently, practical training in economics and management majors in universities includes knowledge point training, professional course training, comprehensive professional training, and interdisciplinary comprehensive training. Knowledge point training focuses on training in a specific knowledge point; professional course training mainly targets the application of knowledge from a specific professional course; comprehensive professional training combines all courses in the major for integrated training; and interdisciplinary comprehensive training integrates multiple professional knowledge. During practical training, an interdisciplinary comprehensive training system suitable for economics and management colleges is needed. This type of system typically organizes students from multiple majors into several virtual enterprises for simulated operation through course organization. The virtual enterprises cooperate and compete to form a supply chain. The system simulates business rules to support the operation of virtual enterprises and provides feedback on the operating results. These business rules include market simulation, product simulation, production and processing simulation, capital simulation, transaction simulation, and financial simulation.

[0003] Traditional interdisciplinary integrated training software, when simulating transactions, directly generates an order through the system. After the user clicks "deliver," payment and product delivery are completed according to the order information. This model presents users with several drawbacks: Limited trading parties: It can only simulate the transaction process of a non-existent company, failing to reflect the cooperation and competition between companies in a real market environment, leading to a disconnect between training content and actual business; Monotonous transaction process: Rigid transaction rules: The inability to adjust transaction rules prevents students from deeply understanding the diverse transaction models in a real market environment; Limited adaptability to different industries and transaction scenarios, failing to meet complex training needs; Lack of dynamic feedback mechanisms. Therefore, improvements are needed. Summary of the Invention

[0004] The purpose of this invention is to provide a virtual transaction method and system to solve the problems mentioned in the background section.

[0005] To achieve the above objectives, the present invention provides the following technical solution: a virtual transaction method, the specific steps of which are as follows: Step 1: Verify the virtual enterprise identities of both parties in the transaction. The transaction parties are set as Party A (the purchaser) and Party B (the delivery party). Manual selection or automatic system configuration is supported. The system interface displays the information configuration panel of the transaction parties, or one party can configure the purchase or sales mode and then select the transaction object through the drop-down menu. The system will automatically match the corresponding virtual enterprise information. Step Two: Confirm the tradable items based on the target items in the list of tradable items provided by Party B. To ensure the diversity and authenticity of transactions, different types of businesses are allowed to sell a variety of goods. Step 3: Select a preset terms template and adjust the parameters in the template to confirm the terms content. Select a terms template that matches the transaction details; fill in the missing information in the template; verify the completeness of the terms based on all the filled-in information. Step 4: The recipient of the transaction request confirms the transaction request. Based on the relevant configuration information in steps one, two, and three, a confirmation request is sent to both parties in the transaction. Both parties confirm their respective transaction information in the system interface. After receiving the confirmation information from both parties, the system performs a consistency check. If the information matches and there is no conflict, the system proceeds to the next step. If there is an inconsistency or conflict, the system automatically prompts the conflict item and returns to the modification interface for the user to readjust and confirm. Step 5: Generate the contract object and store it in the contract database. Based on the transaction information confirmed by both parties in step four, the system will automatically generate an electronic contract text and store it in the contract database for safekeeping. Step Six: Third-party supervision confirms the legality of the transaction. After both parties confirm the transaction request and the system completes the consistency verification, the system automatically sends the transaction information to the pre-set third-party supervisory role. The third-party supervisory role views the transaction information in the system interface and reviews the legality of the transaction based on the preset laws, regulations, and training rules. Step Seven: Credit Assessment A credit assessment mechanism is introduced, in which the system conducts a credit assessment of both parties based on their performance in the transaction after each transaction is completed; Step 8: Evaluation of Practical Training Effectiveness A training effectiveness evaluation mechanism is introduced. After the training, the system will conduct a comprehensive evaluation of students based on their transaction data (including the number of transactions, transaction amount, type of transaction items, and changes in credit score) and their attitude towards participating in transactions (whether they actively initiate transactions and respond to transaction requests in a timely manner).

[0006] As a preferred technical solution of the present invention, the specific content of confirming the tradable items in step two according to the target items in the tradable item list determined by the transacting party is as follows: the system presets a tradable item list according to the enterprise type, loads the respective tradable item lists of the transacting parties according to the information of the transacting parties configured in step one, displays the list of selectable items on the transaction interface and fills in the transaction price.

[0007] As a preferred technical solution of the present invention, the terms mentioned in step three are provided by the system with various term templates, and the user adds term templates and completes the configuration of terms in the transaction.

[0008] As a preferred technical solution of the present invention, when generating the contract object and storing the contract object in the contract database in step five, a contract preview function is also provided, allowing users to view the complete content of the contract terms online, and the contract serves as the basis for the contract execution process to guide subsequent transaction processes.

[0009] As a preferred technical solution of the present invention, when reviewing the legality of the transaction in step six, if the review is successful, the third-party supervisory role clicks the confirmation button in the system, the system records the review success information, and the transaction process continues; if the review fails, the third-party supervisory role fills in the reason for the failure and returns it to both parties to the transaction, and both parties modify the transaction content according to the feedback information and resubmit it for review.

[0010] As a preferred embodiment of the present invention, the credit assessment mechanism described in step seven is as follows: Evaluation indicator selection Choose financial indicators that accurately reflect the customer's short-term payment ability: debt-to-equity ratio (total liabilities / total assets), current ratio (current assets / current liabilities), quick ratio ((current assets - inventory) / current liabilities); at the same time, in combination with the customer's sales situation, choose profitability indicators such as sales profit margin (total profit / sales revenue × 100%) and accounts receivable ratio (average accounts receivable balance / annual sales revenue). Weighting and scoring calculation The credit scoring method is used to calculate the customer's overall credit score through a weighted average. The formula is as follows: In the formula, This indicates the customer's overall credit score; Indicates the first The weights of various evaluation indicators; Indicates the first Scoring of various evaluation indicators; Indicates the total number of evaluation indicators; Credit rating classification: 80 points or above: Good credit history; 60-80 points: Average credit history; Below 60 points: Poor credit history.

[0011] As a preferred technical solution of the present invention, the specific content of the training effect evaluation mechanism described in step eight is as follows: Data collection Transaction data includes transaction frequency, transaction amount, and credit score changes; transaction frequency records the total number of transactions completed by students during the training period; transaction amount is the sum of all transaction amounts involved in the student's transactions; credit score changes reflect changes in the student's credit status during the training process. Data on participants' attitude towards trading: including whether they actively initiate trades and whether they respond to trade requests in a timely manner; Preset evaluation indicators and weights Clearly define each evaluation indicator and its proportion in the overall evaluation: number of transactions accounts for 30%, transaction amount accounts for 20%, changes in credit score account for 30%, and attitude towards participating in transactions accounts for 20%. Automatically calculate scores The system calculates the collected student data based on preset indicators and weights to obtain a score for each student's practical training performance. Generate evaluation report The system generates a detailed evaluation report on the training effect, showing the scores of each student in various indicators and the overall score.

[0012] As a preferred embodiment of the present invention, the specific content of the automatic scoring calculation is as follows: Calculation of scores for each indicator Set a benchmark number of transactions When the number of student transactions equal At that time, the number of transactions score A base score (60 points); each point exceeding this... Specified number of times ( Each time, the score increases by a specified number of points (5 points), up to a maximum of 100 points; each time below 100 points... Specified number of times ( (Each time), the score will be reduced by a specified number of points (5 points), with a minimum score of 0. The score for the number of transactions is: In the formula, The score represents the number of transactions. Indicates the actual number of transactions made by the student; Indicates the benchmark number of transactions; It is an adjustment coefficient set according to the actual situation, used to reasonably divide the score range; Set benchmark transaction amount When the student transaction amount equal At that time, the transaction amount score A base score (60 points) is assigned, and the scoring rules are the same as those for the number of transactions. The transaction amount score is: In the formula, The score represents the transaction amount. This indicates the actual transaction amount for the student; Indicates the base transaction amount; It is an adjustment coefficient set according to the actual situation, used to reasonably divide the score range; Set the initial credit score as At the end of the training, the credit score was Credit score changes Set a benchmark credit score change When student credit scores change equal At that time, the credit score changed. A base score (60 points) is assigned, and the scoring rules are the same as those for the number of transactions. The change in credit score is then calculated as follows: In the formula, It is the change score in credit score. It refers to the actual change in students' credit scores. It is a change in the baseline credit score. It is an adjustment factor; Let the number of actively initiated transactions be... The total number of transactions initiated was The number of timely responses to transaction requests is The total number of transaction requests is ,but: In the formula, the two aspects are combined with a weight of 50 points each, and the weights can be adjusted according to the actual situation. It is a score based on attitude towards participating in the transaction. It is the number of transactions actively initiated by students. It is the total number of transactions that can be initiated. It refers to the number of times students respond to transaction requests promptly. This represents the total number of transaction requests. Comprehensive score calculation In the formula, represents the comprehensive score of the student's practical training effect; , , , These are the weights of four indicators: number of transactions, transaction amount, changes in credit score, and attitude towards participating in transactions. , , , These are the student's scores on four indicators: number of transactions, transaction amount, changes in credit score, and attitude towards participating in transactions.

[0013] To achieve the aforementioned other objective, the present invention provides the following technical solution: a virtual transaction system, which is applicable to the above-mentioned virtual transaction method and includes a virtual enterprise module, a tradable item module, a request processing module, a contract module, a third-party supervision module, a credit assessment module, and a training effect evaluation module. The virtual enterprise module is used to manage virtual enterprise information; The tradable items module allows users to manage item information and the list of tradable items for virtual enterprises; The request processing module is used to accept and process virtual enterprise requests; The contract module is used to generate and manage transaction contracts; The third-party supervision module is used to receive transaction information sent by the system, provide it to the third-party supervision role for review, record the review results (pass or fail) and review opinions of the third-party supervision role, and feed back the review results to both parties to the transaction; The credit assessment module is used to conduct credit assessments on both parties based on their performance after each transaction, and to record and update the credit scores of virtual enterprises. The training effectiveness evaluation module is used to comprehensively evaluate students based on their transaction data and attitude towards trading during the training process after the training ends, and generate a training effectiveness evaluation report.

[0014] The beneficial effects of this invention are as follows: This invention utilizes a modular design to achieve request classification and processing, dynamic filling of contract terms, and integrity verification. This effectively reduces the cost of manual intervention, enhances the traceability of the transaction process, and achieves the technical effect of efficiently matching transaction objects and automatically generating contracts in various virtual enterprise scenarios, thereby improving the collaborative efficiency and security of the virtual transaction system. Furthermore, the introduction of third-party supervision effectively prevents students from engaging in transaction behaviors that violate laws, regulations, or training rules during practical training, ensuring that training activities are conducted within a legal and compliant framework. Through a credit assessment mechanism, enterprises with good credit are given certain advantages, while those with poor credit are restricted, thus incentivizing students to abide by transaction rules and conduct transactions with integrity during training. Finally, the training effectiveness evaluation mechanism allows for a comprehensive and objective evaluation of students, avoiding the limitations of a single evaluation indicator and more accurately reflecting the students' training results. Attached Figure Description

[0015] Figure 1 This is the intended flow of the present invention; Figure 2 This is a system block diagram of the present invention. Detailed Implementation

[0016] The technical solutions of the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of the present invention, and not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of the present invention.

[0017] like Figure 1 As shown in the figure, this embodiment of the invention provides a virtual transaction method, the specific steps of which are as follows: Step 1: Verify the virtual enterprise identities of both parties in the transaction. The transaction parties are set as Party A (the purchaser) and Party B (the delivery party). Manual selection or automatic system configuration is supported. The system interface displays the information configuration panel of the transaction parties, or one party can configure the purchase or sales mode and then select the transaction object through the drop-down menu. The system will automatically match the corresponding virtual enterprise information. Step Two: Confirm the tradable items based on the target items in the list of tradable items provided by Party B. To ensure the diversity and authenticity of transactions, different types of businesses are allowed to sell a variety of goods. Step 3: Select a preset terms template and adjust the parameters in the template to confirm the terms content. Select a terms template that matches the transaction details; fill in the missing information in the template; verify the completeness of the terms based on all the filled-in information. Step 4: The recipient of the transaction request confirms the transaction request. Based on the relevant configuration information in steps one, two, and three, a confirmation request is sent to both parties in the transaction. Both parties confirm their respective transaction information in the system interface. After receiving the confirmation information from both parties, the system performs a consistency check. If the information matches and there is no conflict, the system proceeds to the next step. If there is an inconsistency or conflict, the system automatically prompts the conflict item and returns to the modification interface for the user to readjust and confirm. Step 5: Generate the contract object and store it in the contract database. Based on the transaction information confirmed by both parties in step four, the system will automatically generate an electronic contract text and store it in the contract database for safekeeping. Step Six: Third-party supervision confirms the legality of the transaction. After both parties confirm the transaction request and the system completes the consistency verification, the system automatically sends the transaction information to the pre-set third-party supervisory role. The third-party supervisory role views the transaction information in the system interface and reviews the legality of the transaction based on the preset laws, regulations, and training rules. Step Seven: Credit Assessment A credit assessment mechanism is introduced, in which the system conducts a credit assessment of both parties based on their performance in the transaction after each transaction is completed; Step 8: Evaluation of Practical Training Effectiveness A training effectiveness evaluation mechanism is introduced. After the training, the system will conduct a comprehensive evaluation of students based on their transaction data (including the number of transactions, transaction amount, type of transaction items, and changes in credit score) and their attitude towards participating in transactions (whether they actively initiate transactions and respond to transaction requests in a timely manner).

[0018] The above steps enable the system to efficiently match trading partners and automatically generate contracts in various virtual enterprise scenarios, thereby improving the collaborative efficiency and security of the virtual transaction system.

[0019] In step two, the specific content of confirming the tradable items based on the target items in the tradable item list determined by the transacting party is as follows: the system presets a tradable item list according to the enterprise type, loads the respective tradable item lists of the transacting parties according to the information configured in step one, displays the list of selectable items on the transaction interface, and fills in the transaction price.

[0020] By confirming the target items in the list of tradable items determined by the second party in step two, the types of tradable items can be accurately and personalized to the user.

[0021] In step three, the system provides various clause templates, and users add clause templates and complete the clause configuration in the transaction.

[0022] Transaction terms information includes the deadline, the party obligated to perform the terms, the party in breach of the terms, and whether liability for breach of contract will be enforced. Users can select key terms such as payment method, delivery date, and quality inspection standards, and set specific payment methods, delivery times, and quality acceptance methods. After completing the transaction terms settings, the system will automatically generate the transaction contract text.

[0023] In step five, when generating the contract object and storing it in the contract database, a contract preview function is also provided. Users can view the complete content of the contract terms online, and the contract serves as the basis for the contract execution process to guide subsequent transaction processes.

[0024] Contract information includes core elements such as information on the transacting parties, information on the transacted goods, and information on the terms of the transaction.

[0025] In step six, when verifying the legality of the transaction, if the verification is successful, the third-party supervisor clicks the confirmation button in the system, the system records the verification success information, and the transaction process continues; if the verification fails, the third-party supervisor fills in the reason for the failure and returns it to both parties to the transaction. Both parties modify the transaction content based on the feedback information and resubmit it for verification.

[0026] Third-party oversight roles mainly refer to virtual regulatory agencies or designated teacher accounts. The original training system lacks a mechanism to verify the legality of transactions, and students may arbitrarily conduct transactions that do not comply with regulations, which cannot truly reflect the actual market transaction situation. Introducing third-party oversight roles can make up for this deficiency.

[0027] The specific details of the credit assessment mechanism in step seven are as follows: Evaluation indicator selection Choose financial indicators that accurately reflect the customer's short-term payment ability: debt-to-equity ratio (total liabilities / total assets), current ratio (current assets / current liabilities), quick ratio ((current assets - inventory) / current liabilities); at the same time, in combination with the customer's sales situation, choose profitability indicators such as sales profit margin (total profit / sales revenue × 100%) and accounts receivable ratio (average accounts receivable balance / annual sales revenue). Weighting and scoring calculation The credit scoring method is used to calculate the customer's overall credit score through a weighted average. The formula is as follows: In the formula, This indicates the customer's overall credit score; Indicates the first The weights of various evaluation indicators; Indicates the first Scoring of various evaluation indicators; Indicates the total number of evaluation indicators; Credit rating classification: 80 points or above: Good credit history; 60-80 points: Average credit history; Below 60 points: Poor credit history.

[0028] The system sets an initial credit score for each virtual enterprise and adds or deducts points based on transaction performance. For example, if the delivery is on time and the goods meet the quality standards, the buyer adds points to the delivery party; if the delivery party receives payment on time, the buyer adds points to the delivery party. Conversely, if a breach of contract occurs, points are deducted accordingly. The system also records the credit score in the virtual enterprise's information and uses it as one of the reference factors in subsequent transactions. For instance, when setting up trading partners, the system can sort and display virtual enterprises based on their credit scores, with enterprises with higher credit scores being more likely to be selected as trading partners; or, during transaction terms negotiation, enterprises with higher credit scores may obtain more favorable terms.

[0029] The specific content of the practical training effectiveness evaluation mechanism in step eight is as follows: Data collection Transaction data includes transaction frequency, transaction amount, and credit score changes; transaction frequency records the total number of transactions completed by students during the training period; transaction amount is the sum of all transaction amounts involved in the student's transactions; credit score changes reflect changes in the student's credit status during the training process. Data on participants' attitude towards trading: including whether they actively initiate trades and whether they respond to trade requests in a timely manner; Preset evaluation indicators and weights Clearly define each evaluation indicator and its proportion in the overall evaluation: number of transactions accounts for 30%, transaction amount accounts for 20%, changes in credit score account for 30%, and attitude towards participating in transactions accounts for 20%. Automatically calculate scores The system calculates the collected student data based on preset indicators and weights to obtain a score for each student's practical training performance. Generate evaluation report The system generates a detailed evaluation report on the training effect, showing the scores of each student in various indicators and the overall score.

[0030] The evaluation indicators and weights can be adjusted according to the goals and focus of the training. If the training focuses more on transaction activity, the weight of the number of transactions can be appropriately increased; if credit building is emphasized, the weight of changes in credit scores can be increased. The evaluation report is presented in an intuitive way, making it easy for teachers and students to view. Teachers can understand students' performance in the training based on the report and provide targeted guidance and suggestions. Students can understand their own strengths and weaknesses so as to make improvements in the future.

[0031] The specific details of the automatically calculated score are as follows: Calculation of scores for each indicator Set a benchmark number of transactions When the number of student transactions equal At that time, the number of transactions score A base score (60 points); each point exceeding this... Specified number of times ( Each time, the score increases by a specified number of points (5 points), up to a maximum of 100 points; each time below 100 points... Specified number of times ( (Each time), the score will be reduced by a specified number of points (5 points), with a minimum score of 0. The score for the number of transactions is: In the formula, The score represents the number of transactions. Indicates the actual number of transactions made by the student; Indicates the benchmark number of transactions; It is an adjustment coefficient set according to the actual situation, used to reasonably divide the score range; Set benchmark transaction amount When the student transaction amount equal At that time, the transaction amount score A base score (60 points) is assigned, and the scoring rules are the same as those for the number of transactions. The transaction amount score is: In the formula, The score represents the transaction amount. This indicates the actual transaction amount for the student; Indicates the base transaction amount; It is an adjustment coefficient set according to the actual situation, used to reasonably divide the score range; Set the initial credit score as At the end of the training, the credit score was Credit score changes Set a benchmark credit score change When student credit scores change equal At that time, the credit score changed. A base score (60 points) is assigned, and the scoring rules are the same as those for the number of transactions. The change in credit score is then calculated as follows: In the formula, It is the change score in credit score. It refers to the actual change in students' credit scores. It is a change in the baseline credit score. It is an adjustment factor; Let the number of actively initiated transactions be... The total number of transactions initiated was The number of timely responses to transaction requests is The total number of transaction requests is ,but: In the formula, the two aspects are combined with a weight of 50 points each, and the weights can be adjusted according to the actual situation. It is a score based on attitude towards participating in the transaction. It is the number of transactions actively initiated by students. It is the total number of transactions that can be initiated. It refers to the number of times students respond to transaction requests promptly. This represents the total number of transaction requests. Comprehensive score calculation In the formula, represents the comprehensive score of the student's practical training effect; , , , These are the weights of four indicators: number of transactions, transaction amount, changes in credit score, and attitude towards participating in transactions. , , , These are the student's scores on four indicators: number of transactions, transaction amount, changes in credit score, and attitude towards participating in transactions.

[0032] Through the above evaluation mechanism and calculation formula, the practical training effect of students can be evaluated in a relatively comprehensive and objective manner, providing a strong basis for teachers' teaching and students' self-improvement.

[0033] like Figure 2 As shown, this embodiment of the invention provides a virtual transaction system applicable to the aforementioned virtual transaction method. The system includes a virtual enterprise module, a tradable item module, a request processing module, a contract module, a third-party supervision module, a credit assessment module, and a training effect evaluation module. The virtual enterprise module is used to manage virtual enterprise information; The tradable items module allows users to manage item information and a list of tradable items for virtual enterprises; The request processing module is used to accept and process virtual enterprise requests; The contract module is used to generate and manage transaction contracts; The third-party supervision module is used to receive transaction information sent by the system, provide it to the third-party supervision role for review, record the review results (pass or fail) and review opinions of the third-party supervision role, and feed back the review results to both parties to the transaction; The credit assessment module is used to assess the creditworthiness of both parties based on their performance after each transaction, and to record and update the credit scores of virtual enterprises. The training effectiveness evaluation module is used to comprehensively evaluate students based on their trading data and attitude towards trading during the training process after the training ends, and generate a training effectiveness evaluation report.

[0034] The virtual enterprise module is used to manage information about all virtual enterprises represented by students within the system. Virtual enterprise information includes enterprise name, student account, enterprise type, etc. The virtual enterprise module stores and manages all virtual enterprise files created by students through the backend database. It supports quick retrieval and filtering by enterprise name, student account, or enterprise type. The module also supports adding, editing, and deleting enterprise information. All operations require permission verification to ensure data security and integrity. In the transaction process, the virtual enterprise module will automatically retrieve relevant enterprise information according to the transaction object set in step one, and work in conjunction with the tradable items module, request processing module, and contract module to ensure the accuracy and consistency of transaction data. The tradable items module is used to maintain and manage the list of tradable items for various enterprises: The information on tradable items includes the item name, specifications, unit price, etc. This module supports the preset item list according to the enterprise type. The tradable items module will automatically load the detailed parameters of the corresponding items according to the tradable item information set in step two, and link with the virtual enterprise module to ensure that the source enterprise information of the tradable items is accurate. The request processing module is responsible for receiving and parsing transaction requests: A transaction request includes the request initiator, the request recipient, the request information, and the request type. The request processing module will classify and process transaction requests, including transaction confirmation requests and contract generation requests. The system will allocate corresponding processing logic according to the request type and record the request processing log. For transaction confirmation requests, the module will call the confirmation mechanism in step four for verification; for contract generation requests, the contract module's generation process will be triggered. The contract module is responsible for generating contracts. Contract information includes: virtual groups of both parties, information on the traded items, contract terms, etc. The contract module supports purchasing items from a virtual enterprise through the user interface, with the following steps: Users first select a target virtual enterprise from the virtual enterprise module, and then select the desired items from the tradable items module. The system automatically combines the information of both parties, item information, and preset contract terms to generate a contract object. After the contract object is generated, the system stores the contract object in the contract database of the contract module, generates a contract number, and returns the generation result to the user. At the same time, the system combines the third-party supervision module, credit assessment module, and training effect evaluation module to supervise and evaluate the transaction process.

[0035] It should be noted that, in this document, relational terms such as "first" and "second" are used only to distinguish one entity or operation from another, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Furthermore, the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such process, method, article, or apparatus.

[0036] Although embodiments of the invention have been shown and described, it will be understood by those skilled in the art that various changes, modifications, substitutions and alterations can be made to these embodiments without departing from the principles and spirit of the invention, the scope of which is defined by the appended claims and their equivalents.

Claims

1. A virtual trading method, characterized in that, The specific steps are as follows: Step 1: Verify the virtual enterprise identities of both parties in the transaction. The transaction parties are set as Party A (the purchaser) and Party B (the delivery party). Manual selection or automatic system configuration is supported. The system interface displays the information configuration panel of the transaction parties, or one party can configure the purchase or sales mode and then select the transaction object through the drop-down menu. The system will automatically match the corresponding virtual enterprise information. Step Two: Confirm the tradable items based on the target items in the list of tradable items provided by Party B. To ensure the diversity and authenticity of transactions, different types of businesses are allowed to sell a variety of goods. Step 3: Select a preset terms template and adjust the parameters in the template to confirm the terms content. Select a terms template that matches the transaction details; fill in the missing information in the template; verify the completeness of the terms based on all the filled-in information. Step 4: The recipient of the transaction request confirms the transaction request. Based on the relevant configuration information in steps one, two, and three, a confirmation request is sent to both parties in the transaction. Both parties confirm their respective transaction information in the system interface. After receiving the confirmation information from both parties, the system performs a consistency check. If the information matches and there is no conflict, the system proceeds to the next step. If there are inconsistencies or conflicts, the system will automatically prompt the conflicting items and return to the modification interface for the user to readjust and confirm. Step 5: Generate the contract object and store it in the contract database. Based on the transaction information confirmed by both parties in step four, the system will automatically generate an electronic contract text and store it in the contract database for safekeeping. Step Six: Third-party supervision confirms the legality of the transaction. After both parties confirm the transaction request and the system completes the consistency verification, the system automatically sends the transaction information to the pre-set third-party supervisory role. The third-party supervisory role views the transaction information in the system interface and reviews the legality of the transaction based on the preset laws, regulations, and training rules. Step Seven: Credit Assessment A credit assessment mechanism is introduced, in which the system conducts a credit assessment of both parties based on their performance in the transaction after each transaction is completed; Step 8: Evaluation of Practical Training Effectiveness A training effectiveness evaluation mechanism is introduced. After the training, the system will conduct a comprehensive evaluation of students based on their transaction data (including the number of transactions, transaction amount, type of transaction items, and changes in credit score) and their attitude towards participating in transactions (whether they actively initiate transactions and respond to transaction requests in a timely manner).

2. The virtual transaction method according to claim 1, characterized in that: The specific content of confirming the tradable items based on the target items in the tradable item list determined by the transacting party in step two is as follows: the system presets a tradable item list according to the enterprise type, loads the respective tradable item lists of the transacting parties according to the information configured in step one, displays the list of selectable items on the transaction interface, and fills in the transaction price.

3. The virtual transaction method according to claim 1, characterized in that: The terms mentioned in step three are provided by the system with various term templates. Users can add term templates and complete the term configuration in the transaction.

4. The virtual transaction method according to claim 1, characterized in that: When generating the contract object and storing it in the contract database as described in step five, a contract preview function is also provided. Users can view the complete content of the contract terms online, and the contract serves as the basis for the contract execution process to guide subsequent transaction processes.

5. The virtual transaction method according to claim 1, characterized in that: When verifying the legality of the transaction as described in step six, if the verification is successful, the third-party supervisor clicks the confirmation button in the system, the system records the verification success information, and the transaction process continues; if the verification fails, the third-party supervisor fills in the reason for the failure and returns it to both parties to the transaction. Both parties modify the transaction content according to the feedback information and resubmit it for verification.

6. The virtual transaction method according to claim 1, characterized in that: The specific content of the credit assessment mechanism described in step seven is as follows: Evaluation indicator selection Choose financial indicators that accurately reflect the customer's short-term payment ability: debt-to-equity ratio (total liabilities / total assets), current ratio (current assets / current liabilities), quick ratio ((current assets - inventory) / current liabilities); at the same time, in combination with the customer's sales situation, choose profitability indicators such as sales profit margin (total profit / sales revenue × 100%) and accounts receivable ratio (average accounts receivable balance / annual sales revenue). Weighting and scoring calculation The credit scoring method is used to calculate the customer's overall credit score through a weighted average. The formula is as follows: In the formula, This indicates the customer's overall credit score; Indicates the first The weights of various evaluation indicators; Indicates the first Scoring of various evaluation indicators; Indicates the total number of evaluation indicators; Credit rating classification: 80 points or above: Good credit history; 60-80 points: Average credit history; Below 60 points: Poor credit history.

7. The virtual transaction method according to claim 1, characterized in that: The specific content of the practical training effectiveness evaluation mechanism described in step eight is as follows: Data collection Transaction data includes transaction frequency, transaction amount, and credit score changes; transaction frequency records the total number of transactions completed by students during the training period; transaction amount is the sum of all transaction amounts involved in the student's transactions; credit score changes reflect changes in the student's credit status during the training process. Data on participants' attitude towards trading: including whether they actively initiate trades and whether they respond to trade requests in a timely manner; Preset evaluation indicators and weights Clearly define each evaluation indicator and its proportion in the overall evaluation: number of transactions accounts for 30%, transaction amount accounts for 20%, changes in credit score account for 30%, and attitude towards participating in transactions accounts for 20%. Automatically calculate scores The system calculates the collected student data based on preset indicators and weights to obtain a score for each student's practical training performance. Generate evaluation report The system generates a detailed evaluation report on the training effect, showing the scores of each student in various indicators and the overall score.

8. The virtual transaction method according to claim 7, characterized in that: The specific content of the automatic score calculation is as follows: Calculation of scores for each indicator Set a benchmark number of transactions When the number of student transactions equal At that time, the number of transactions score A base score (60 points); each point exceeding this... Specified number of times ( Each time, the score increases by a specified number of points (5 points), up to a maximum of 100 points; each time below 100 points... Specified number of times ( (Each time), the score will be reduced by a specified number of points (5 points), with a minimum score of 0. The score for the number of transactions is: In the formula, The score represents the number of transactions. Indicates the actual number of transactions made by the student; Indicates the benchmark number of transactions; It is an adjustment coefficient set according to the actual situation, used to reasonably divide the score range; Set benchmark transaction amount When the student transaction amount equal At that time, the transaction amount score A base score (60 points) is assigned, and the scoring rules are the same as those for the number of transactions. The transaction amount score is: In the formula, The score represents the transaction amount. This indicates the actual transaction amount for the student; Indicates the base transaction amount; It is an adjustment coefficient set according to the actual situation, used to reasonably divide the score range; Set the initial credit score as At the end of the training, the credit score was Credit score changes Set a benchmark credit score change When student credit scores change equal At that time, the credit score changed. A base score (60 points) is assigned, and the scoring rules are the same as those for the number of transactions. The change in credit score is then calculated as follows: In the formula, It is the change score in credit score. It refers to the actual change in students' credit scores. It is a change in the baseline credit score. It is an adjustment factor; Let the number of actively initiated transactions be... The total number of transactions initiated was The number of timely responses to transaction requests is The total number of transaction requests is ,but: In the formula, the two aspects are combined with a weight of 50 points each, and the weights can be adjusted according to the actual situation. It is a score based on attitude towards participating in the transaction. It is the number of transactions actively initiated by students. It is the total number of transactions that can be initiated. It refers to the number of times students respond to transaction requests promptly. This represents the total number of transaction requests. Comprehensive score calculation In the formula, represents the comprehensive score of the student's practical training effect; , , , These are the weights of four indicators: number of transactions, transaction amount, changes in credit score, and attitude towards participating in transactions. , , , These are the student's scores on four indicators: number of transactions, transaction amount, changes in credit score, and attitude towards participating in transactions.

9. A virtual trading system, wherein the system is applicable to the virtual trading method according to any one of claims 1-8, characterized in that: It includes modules for virtual enterprises, tradable items, request processing, contracts, third-party supervision, credit assessment, and training effectiveness evaluation. The virtual enterprise module is used to manage virtual enterprise information; The tradable items module allows users to manage item information and the list of tradable items for virtual enterprises; The request processing module is used to accept and process virtual enterprise requests; The contract module is used to generate and manage transaction contracts; The third-party supervision module is used to receive transaction information sent by the system, provide it to the third-party supervision role for review, record the review results (pass or fail) and review opinions of the third-party supervision role, and feed back the review results to both parties to the transaction; The credit assessment module is used to conduct credit assessments on both parties based on their performance after each transaction, and to record and update the credit scores of virtual enterprises. The training effectiveness evaluation module is used to comprehensively evaluate students based on their transaction data and attitude towards trading during the training process after the training ends, and generate a training effectiveness evaluation report.

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