阅读说明：本技术 一种动态合同签署方法、装置、设备和介质 (Dynamic contract signing method, device, equipment and medium ) 是由 杨国庆 于 2021-08-31 设计创作，主要内容包括：本发明提出一种动态合同签署方法、装置、设备和介质,涉及人工智能领域,该方法包括：获取商户信息,并根据商户信息匹配预设的合同规则,获取一个或多个匹配的合同规则,其中,所述商户信息包括营业执照图像、经营者身份信息或经营业务范围；选择匹配的合同规则,获取对应的合同查询表,其中,所述合同查询表中包含多个与所述合同规则对应的合同模板；根据商户信息搜索所述合同查询表获取匹配的合同模板,并配置合同自定义内容,生成待签署文本输出至商户对应终端；本发明可有效兼容小众业务,提高在线合同处理以及管理维护的效率。(The invention provides a dynamic contract signing method, a dynamic contract signing device, dynamic contract signing equipment and a dynamic contract signing medium, which relate to the field of artificial intelligence, and the method comprises the following steps: acquiring merchant information, and matching preset contract rules according to the merchant information to acquire one or more matched contract rules, wherein the merchant information comprises business license images, operator identity information or an operating business range; selecting a matched contract rule, and acquiring a corresponding contract query table, wherein the contract query table comprises a plurality of contract templates corresponding to the contract rule; searching the contract query table according to the merchant information to obtain a matched contract template, configuring contract self-defined content, generating a text to be signed and outputting the text to the merchant corresponding terminal; the invention can effectively be compatible with the Xiaozhong business and improve the efficiency of online contract processing and management maintenance.)

1. A dynamic contract signing method, comprising:

acquiring merchant information, and matching preset contract rules according to the merchant information to acquire one or more matched contract rules, wherein the merchant information comprises business license images, operator identity information or an operating business range;

selecting a matched contract rule, and acquiring a corresponding contract query table, wherein the contract query table comprises a plurality of contract templates corresponding to the contract rule;

and searching the contract query table according to the merchant information to obtain a matched contract template, configuring contract self-defined content, generating a text to be signed and outputting the text to the merchant corresponding terminal.

2. The dynamic contract signing method according to claim 1, before matching a preset contract rule, further comprising:

inputting merchant information, registering merchants, and matching service types according to business license images of the merchants or the input business range;

and performing contract rule authorization according to the service type matched with the merchant, and establishing the corresponding relation between the merchant and one or more contract rules.

3. The dynamic contract signing method according to claim 2, further comprising, before contract rule authorization:

creating an interactive page, inputting a rule theme into the interactive page, and matching the service type according to the rule theme;

and acquiring a corresponding contract template according to the service type matched with the rule theme, creating a corresponding relation between the contract rule and one or more contract templates, and creating a contract query table corresponding to the contract rule according to the acquired contract template.

4. The dynamic contract signing method according to claim 2, wherein matching business types according to business license images of merchants or entered business scope comprises:

when the merchant registration information comprises a business license, extracting key features corresponding to a business range in the business license, comparing the key features with business types of a service provider, and selecting one or more business types with the similarity reaching a set threshold;

and acquiring key characteristics corresponding to the operation business range from the merchant input information, comparing the key characteristics with the business types of the service provider, and selecting one or more business types with the similarity reaching a set threshold.

5. The dynamic contract signing method according to claim 3, wherein creating an interactive page, entering a rule topic in said interactive page, and matching a business type according to the rule topic comprises:

performing identity authentication on a target object, triggering and acquiring the interaction page according to an identity authentication result, and configuring rule parameters according to the interaction page, wherein the rule parameters comprise: a rule theme, a rule unique identification code and a contract template identification code;

the target object inputs the rule theme through the interactive page, generates a retrieval request according to the rule theme and sends the retrieval request to the server, and acquires one or more service types with similarity reaching a set threshold value with the rule theme from the server according to the retrieval request; and generating an optional service list according to the matched service type for the target object to carry out rule parameter configuration.

6. The dynamic contract signing method according to claim 3, wherein after establishing the correspondence between contract rules and contract templates, further comprising:

constructing a feature extraction network, and extracting contract key information from contract templates corresponding to the contract query tables according to the feature extraction network, wherein the contract key information comprises: contract timeliness and contract corresponding service description;

establishing a push information database according to the contract key information corresponding to each contract template;

and after acquiring a contract template under the corresponding contract rule according to the merchant information, acquiring corresponding contract key information from the push information database according to the contract template identification code and outputting the corresponding contract key information to the merchant corresponding terminal.

7. The distributed task scheduling method of claim 1, wherein configuring contract custom content comprises:

setting contract variables in a contract template, matching the contract variables according to the merchant information, and receiving text data corresponding to the contract variables fed back by the merchant, wherein the contract variables comprise: the first party or the second party, a communication address, a contact object and a contact way;

when the clauses are added or deleted in the contract template, the added or deleted clauses are marked, the corresponding clauses are compared with the texts in the legal text base, whether the corresponding clauses exceed the legal constraint range is judged, and corresponding adding/deleting operation is executed.

8. A dynamic contract signing apparatus, comprising:

the rule matching module is used for acquiring merchant information, matching preset contract rules according to the merchant information and acquiring one or more matched contract rules, wherein the merchant information comprises business license images, operator identity information or a business operation range;

the rule selection module is used for selecting the matched contract rules and acquiring a corresponding contract query table, wherein the contract query table comprises a plurality of contract templates corresponding to the contract rules;

and the contract generating module is used for searching the contract query table according to the merchant information to obtain a matched contract template, configuring contract self-defined content, generating a text to be signed and outputting the text to the corresponding terminal of the merchant.

9. A computer device, comprising: memory, processor and computer program stored on the memory and executable on the processor, characterized in that the processor implements the steps of the method of any of claims 1 to 7 when executing the computer program.

10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 7.

Technical Field

The invention relates to the field of artificial intelligence, in particular to a dynamic contract signing method, a dynamic contract signing device, dynamic contract signing equipment and a dynamic contract signing medium.

Background

The signing system under the traditional business mode mainly sets fixed contract templates according to different business types, each business type designates a corresponding contract template, a cooperative merchant registers and logs in the parking system, then selects a corresponding business type according to actual business, then inputs basic information of the merchant, can preview contract content after submitting verification and passing, and completes signing under the condition that the contract content is correct.

With the proliferation of online traffic such as pharmacy clouds and general O2O drug purchases, the platform will have access to more offline stores, requiring more collaborating merchants to sign business contracts. Because the conditions of each merchant are different, a plurality of merchants can provide reasonable contract terms as supplementary agreements of the main contract according to the actual conditions of the merchants, because the content and the terms of each supplementary agreement are different, and the platform needs to spend a great deal of development and maintenance cost for creating a new service type for the contract content of each small content, thereby causing resource waste.

Disclosure of Invention

In view of the problems in the prior art, the invention provides a dynamic contract signing method, a dynamic contract signing device, dynamic contract signing equipment and a dynamic contract signing medium, and mainly solves the problems that the service type development and maintenance cost of the existing method for the small and the public businesses is high, and the online contract signing efficiency is low.

In order to achieve the above and other objects, the present invention adopts the following technical solutions.

A dynamic contract signing method, comprising:

acquiring merchant information, and matching preset contract rules according to the merchant information to acquire one or more matched contract rules, wherein the merchant information comprises business license images, operator identity information or an operating business range;

selecting a matched contract rule, and acquiring a corresponding contract query table, wherein the contract query table comprises a plurality of contract templates corresponding to the contract rule;

and searching the contract query table according to the merchant information to obtain a matched contract template, configuring contract self-defined content, generating a text to be signed and outputting the text to the merchant corresponding terminal.

Optionally, before matching the preset contract rule, the method further includes:

inputting merchant information, registering merchants, and matching service types according to business license images of the merchants or the input business range;

and performing contract rule authorization according to the service type matched with the merchant, and establishing the corresponding relation between the merchant and one or more contract rules.

Optionally, before performing the contract rule authorization, the method further includes:

creating an interactive page, inputting a rule theme into the interactive page, and matching the service type according to the rule theme;

and acquiring a corresponding contract template according to the service type matched with the rule theme, creating a corresponding relation between the contract rule and one or more contract templates, and creating a contract query table corresponding to the contract rule according to the acquired contract template.

Optionally, the matching of the business type according to the business license image or the entered business scope of the merchant includes:

when the merchant registration information comprises a business license, extracting key features corresponding to a business range in the business license, comparing the key features with business types of a service provider, and selecting one or more business types with the similarity reaching a set threshold;

and acquiring key characteristics corresponding to the operation business range from the merchant input information, comparing the key characteristics with the business types of the service provider, and selecting one or more business types with the similarity reaching a set threshold.

Optionally, creating an interactive page, entering a rule topic in the interactive page, and matching a service type according to the rule topic, including:

performing identity authentication on a target object, triggering and acquiring the interaction page according to an identity authentication result, and configuring rule parameters according to the interaction page, wherein the rule parameters comprise: a rule theme, a rule unique identification code and a contract template identification code;

the target object inputs the rule theme through the interactive page, generates a retrieval request according to the rule theme and sends the retrieval request to the server, and acquires one or more service types with similarity reaching a set threshold value with the rule theme from the server according to the retrieval request; and generating an optional service list according to the matched service type for the target object to carry out rule parameter configuration.

Optionally, after the corresponding relationship between the contract rule and the contract template is established, the method further includes:

constructing a feature extraction network, and extracting contract key information from contract templates corresponding to the contract query tables according to the feature extraction network, wherein the contract key information comprises: contract timeliness and contract corresponding service description;

establishing a push information database according to the contract key information corresponding to each contract template;

and after acquiring a contract template under the corresponding contract rule according to the merchant information, acquiring corresponding contract key information from the push information database according to the contract template identification code and outputting the corresponding contract key information to the merchant corresponding terminal.

Optionally, configuring contract custom content, including:

setting contract variables in a contract template, matching the contract variables according to the merchant information, and receiving text data corresponding to the contract variables fed back by the merchant, wherein the contract variables comprise: the first party or the second party, a communication address, a contact object and a contact way;

when the clauses are added or deleted in the contract template, the added or deleted clauses are marked, the corresponding clauses are compared with the texts in the legal text base, whether the corresponding clauses exceed the legal constraint range is judged, and corresponding adding/deleting operation is executed.

A dynamic contract signing apparatus comprising:

the rule matching module is used for acquiring merchant information, matching preset contract rules according to the merchant information and acquiring one or more matched contract rules, wherein the merchant information comprises business license images, operator identity information or a business operation range;

the rule selection module is used for selecting the matched contract rules and acquiring a corresponding contract query table, wherein the contract query table comprises a plurality of contract templates corresponding to the contract rules;

and the contract generating module is used for searching the contract query table according to the merchant information to obtain a matched contract template, configuring contract self-defined content, generating a text to be signed and outputting the text to the corresponding terminal of the merchant.

A computer device, comprising: a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the steps of the dynamic contract signing method when executing the computer program.

A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the steps of the dynamic contract signing method.

As described above, the dynamic contract signing method, apparatus, device and medium of the present invention have the following advantageous effects.

Rules of the Xiaozhong business can be set based on the existing business types, and contract templates corresponding to the merchant information are matched according to the rules so as to be compatible with various Xiaozhong businesses and reduce development and maintenance costs; and the contract template is automatically matched, the contract text is quickly generated, and the efficiency of signing the contract on line is improved.

Drawings

Fig. 1 is a flowchart illustrating a dynamic contract signing method according to an embodiment of the present invention.

FIG. 2 is a schematic flow chart of contract rule matching according to an embodiment of the present invention.

Fig. 3 is a schematic flow chart of contract rule setting according to an embodiment of the present invention.

FIG. 4 is a block diagram of a dynamic contract signing apparatus according to one embodiment of the present invention.

Fig. 5 is a schematic structural diagram of a computer device according to an embodiment of the present invention.

Detailed Description

The embodiments of the present invention are described below with reference to specific embodiments, and other advantages and effects of the present invention will be easily understood by those skilled in the art from the disclosure of the present specification. The invention is capable of other and different embodiments and of being practiced or of being carried out in various ways, and its several details are capable of modification in various respects, all without departing from the spirit and scope of the present invention. It is to be noted that the features in the following embodiments and examples may be combined with each other without conflict.

It should be noted that the drawings provided in the following embodiments are only for illustrating the basic idea of the present invention, and the components related to the present invention are only shown in the drawings rather than drawn according to the number, shape and size of the components in actual implementation, and the type, quantity and proportion of the components in actual implementation may be changed freely, and the layout of the components may be more complicated.

Referring to fig. 1, the present invention provides a dynamic contract signing method, which includes the following steps:

step S1: acquiring merchant information, and matching preset contract rules according to the merchant information to acquire one or more matched contract rules, wherein the merchant information comprises business license images, operator identity information or an operating business range;

step S2: selecting a matched contract rule, and acquiring a corresponding contract query table, wherein the contract query table comprises a plurality of contract templates corresponding to the contract rule;

step S3: and searching the contract query table according to the merchant information to obtain a matched contract template, configuring contract self-defined content, generating a text to be signed and outputting the text to the merchant corresponding terminal.

The workflow steps of the dynamic contract signing method of the present invention will be described with reference to the specific embodiments.

In step S1, merchant information is obtained, and one or more matched contract rules are obtained according to the merchant information matched with the preset contract rules, wherein the merchant information includes a license image, operator identity information or a business scope.

Referring to fig. 2, in an embodiment, before matching the preset contract rule, the method further includes:

step S101, inputting merchant information, registering merchants, and matching service types according to business license images of the merchants or the input business range;

and S102, performing contract rule authorization according to the business type matched with the merchant, and establishing the corresponding relation between the merchant and one or more contract rules.

In particular, the merchant information may include a merchant quorum agent name, a business license image, a contact address, and the like. And verifying the merchant information and the registration information of the business administration, and after the verification is passed, inputting the merchant into the alternative database.

In one embodiment, the matching of the business types according to the business license images or the entered business scope of the merchant includes: when the merchant registration information comprises a business license, extracting key features corresponding to a business range in the business license, comparing the key features with business types of a service provider, and selecting one or more business types with the similarity reaching a set threshold;

obtaining key characteristics corresponding to the operation business range from the input information of the merchant, comparing the key characteristics with the business types of the service provider, and selecting one or more business types with the similarity reaching a set threshold value

Specifically, the business range on the image of the business license of the merchant can be identified through an ocr (optical Character recognition) identification model, and the business of the business owner is obtained. Specifically, the OCR recognition model may include two parts of word detection and text recognition, wherein the word detection model may include three parts of a feature extraction layer, a feature fusion layer and an output layer. The feature extraction layer can adopt a PVANet target detection model as a backbone of a network structure, and is divided into four convolutional layers which are connected in sequence to extract feature graphs, the size of the convolutional layers is reduced by half in sequence, and the number of convolutional cores is multiplied in sequence, so that the feature graphs of different scales are extracted. The feature fusion layer receives the feature maps output by each previous convolutional layer, and merges the feature maps extracted previously, and the process of merging the feature maps may include: and (3) firstly sending the extracted feature map of the last layer in the feature extraction layer into an unpolling layer, and amplifying the image, wherein the specific amplification factor can be adjusted according to the actual application requirement. And then splicing the two characteristic graphs with the characteristic graph obtained by the previous volume of lamination layer to string the two characteristic graphs. And then, the spliced characteristic diagram is convoluted through a convolution kernel, the other two layers of convolution layers repeat the steps, and after the spliced characteristic diagram is convoluted through a plurality of convolution kernels, the result is output to an output layer. And completing character position detection in the image through a character detection model, and outputting the confidence coefficient of the position coordinates of the detection frame. During text recognition, text information in the detection box can be recognized by combining an RNN neural network with CTC (connectionist Temporal classification) according to the output of character detection, and a recognition result is output. The recurrent neural network RNN may employ a deep bidirectional LSTM (Long Short Term memory) network. And continuously extracting the characteristics of the character sequence on the basis of the text detection model. The network structure of the LSTM network is not described in detail herein. And outputting the processed characters through the CTC after the processed characters are processed by the LSTM network to obtain corresponding characters, wherein each output neuron corresponds to one character element. The output probability for each character is calculated by CTC, illustratively m given an LSTM network input of x. The probability of CTC can be calculated by adopting a Markov model, and when the model is trained, the network parameters of the LSTM are adjusted through the gradient of the probability of CTC, so that the output probability is maximum. The detailed description of the calculation process is omitted here.

The merchant can register the merchant information through the appointed application software of the mobile terminal, and can also log in an appointed website to complete the merchant registration. After the registration is completed, the similarity between the business of the merchant owner and the business types provided by the service provider can be compared, and one or more business types with the similarity reaching a set threshold with the business of the merchant owner are selected as matched business types. Specifically, the merchant may also manually fill in the operation service range during registration, and match the service type corresponding to the service provider according to the filling content.

In one embodiment, when a merchant manually fills in an operation service, the merchant fills in service data, the service data is matched with the business data on a business license, and whether the filling content belongs to the business scope of the business license or not is judged. Specifically, the classification model may be pre-trained, and the business data may be input into the classification model to obtain the business range category corresponding to the business data. For example, taking the business scope of the consulting company as an example, the business scope categories may include: legal information consultation, medical equipment information consultation and the like. And comparing the corresponding category of the handwritten service data with the main business category to judge whether the handwritten service data and the main business category are consistent, and reminding the merchant that the input information possibly exceeds the operating range if the handwritten service data and the main business category are not consistent. And simultaneously, the service party is reminded to carry out service examination. If the business data are consistent with the contract rules, the corresponding contract rules can be matched according to the business data filled by the merchant. The main business in the business license can be identified and acquired according to the OCR model. The classification model can adopt a recurrent neural network model, and after the recurrent neural network model carries out feature extraction, the classification is carried out through a softmax classifier to obtain the corresponding classification. All registrable business ranges can be sorted, and after classification and labeling, training samples are constructed for training classification models. The user can obtain the matched operation range only by inputting corresponding keywords or similar meaning words. Through automatic audit verification, the registration audit process is reduced, the interaction cost of both parties is saved, and the efficiency is improved.

And after the service type matching is completed, further matching the corresponding custom contract rule according to the service type. Illustratively, contract rules a1, a2, a3 are preset. The contract rule a1 corresponds to the service type b1-b5, the contract rule a2 corresponds to the service type b9-b15, and the contract rule a3 corresponds to the service type b21-b 29. If the business types matched with the merchant registration information are b1, b3 and b5 respectively, the contract rule matched with the merchant is a 1; if the business types matched with the merchant registration information are b1, b10 and b25, respectively, the contract rules matched with the merchant are a1, a2 and a 3. The corresponding relation between the merchant and one or more contract rules can be established. After the corresponding relationship is established, the service party providing the business service can authorize the merchant to adopt the corresponding contract rule. The contract rules can be customized by the service provider according to the types of services available.

Referring to fig. 3, in an embodiment, before performing the contract rule authorization, the method further includes:

step S103, creating an interactive page, inputting a rule theme into the interactive page, and matching the service type according to the rule theme;

step S104, acquiring a corresponding contract template according to the service type matched with the rule theme, creating a corresponding relation between the contract rule and one or more contract templates, and creating a contract query table corresponding to the contract rule according to the acquired contract template.

In one embodiment, creating an interactive page, entering a rule topic in the interactive page, and matching a service type according to the rule topic includes:

performing identity authentication on a target object, triggering and acquiring the interaction page according to an identity authentication result, and configuring rule parameters according to the interaction page, wherein the rule parameters comprise: a rule theme, a rule unique identification code and a contract template identification code;

the target object inputs the rule theme through the interactive page, generates a retrieval request according to the rule theme and sends the retrieval request to the server, and acquires one or more service types with similarity reaching a set threshold value with the rule theme from the server according to the retrieval request; and generating an optional service list according to the matched service type for the target object to carry out rule parameter configuration.

Specifically, an interaction page for rule editing may be created. After logging in, the manager can perform authority authentication through the identity, and after the authority authentication is passed, the interactive page is started to perform self-definition of contract rules. Wherein, the contract rule editing content can include: rule name, rule unique identification code, contract template identification code, merchant identification code, rule subject, etc. Illustratively, the manager can input a rule theme, retrieve the matched business type and the corresponding contract template according to the rule theme, and provide data reference for the manager to edit the rule. The corresponding relation between the audience service and other service types can be set through the rule theme. Optionally, the rule topic may include a crowd service used by the rule, a class of service associated with the crowd service, and the like. And matching the corresponding contract template through the associated service types so as to carry out selective configuration when the manager edits. When the merchant matches the corresponding contract rule, the corresponding contract rule can be determined through the matching rule subject.

In one embodiment, matching business types according to rule topics includes:

and creating a text recognition model, inputting the rule theme into the text recognition model, and acquiring one or more matched service types.

Specifically, the text recognition model may adopt an lstm (long Short Term memory) neural network for model training, and the specific training process is not described herein again. The input rule topic may be a keyword or a combination of multiple keywords corresponding to the service. The keywords can be similar words, synonyms or abbreviations and the like corresponding to the services, and the keywords are input into the text recognition model and are classified to obtain service categories corresponding to the keywords. Because each business category is provided with a corresponding contract template, one business category can correspond to a plurality of contract templates. And according to the keyword retrieval, the configurable contract template can be quickly obtained and output to an interaction interface for the management personnel to select and configure. According to the configuration of the manager, each contract rule corresponds to each contract inquiry table, and all the optional contract template identification codes are stored. Meanwhile, the manager can also manually configure which merchants can be suitable for the currently edited contract rules to authorize the merchants. Merchant category authorization may also be specified only for merchant categories such as drugstores, specific product stores, and the like. As long as the merchant information is matched with the authorization category, the authorization corresponding to the contract rule can be directly obtained.

The contract rules are customized, the existing available contract template can be configured for the service type with smaller service volume, and a corresponding template does not need to be specially set for each service. The workload of service maintenance and management is reduced. The manager can complete the configuration quickly only by matching the contract templates through the keywords, and does not need to know the contract template style corresponding to each service plate, so the operation is convenient and fast.

In step S2, selecting a matched contract rule, and obtaining a corresponding contract lookup table, where the contract lookup table includes a plurality of contract templates corresponding to the contract rules;

in an embodiment, after the corresponding relationship between the contract rule and the contract template is established, the method further includes:

constructing a feature extraction network, and extracting contract key information from contract templates corresponding to the contract query tables according to the feature extraction network, wherein the contract key information comprises: contract timeliness, contract corresponding service description and the like;

establishing a push information database according to the contract key information corresponding to each contract template;

and after acquiring a contract template under the corresponding contract rule according to the merchant information, acquiring corresponding contract key information from the push information database according to the contract template identification code and outputting the corresponding contract key information to the merchant corresponding terminal.

Specifically, after contract rule matching is completed according to merchant information, the matched contract rule can be output to a terminal corresponding to the merchant, wherein the contract rule includes a rule theme, key information of the contract, and the like.

After the corresponding relation between the contract rules and the contract templates is established, extracting contract key information from the contract templates through a feature extraction network, inputting the contract key information into the contract rules, and after the merchants match the corresponding contract rules, pushing the contract key information of the corresponding contract templates together for the merchants to refer and select. The feature extraction network may adopt a recurrent neural network such as an LSTM network, and the specific feature extraction process is the prior art and is not described herein again.

Specifically, the neural network model may be pre-trained, and the contract template is input to the corresponding neural network to obtain key information in the contract, where the key information includes: topics, businesses, key terms, etc. The key information in the existing contract template can be labeled in advance, a training sample is constructed, and a neural network model is trained. The neural network may adopt a recurrent neural network, etc.

In step S3, the contract lookup table is searched according to the merchant information to obtain a matched contract template, and contract custom content is configured to generate a text to be signed and output the text to the terminal corresponding to the merchant.

After the merchant selects one contract rule, the matched contract template is obtained from the contract inquiry table corresponding to the contract rule according to the merchant information and is output to the terminal corresponding to the merchant.

And if the terminal corresponding to the merchant outputs a request for acquiring the contract template again, or the contract template is not selected when the set time limit is exceeded, outputting a secondary contract template. Specifically, the contract templates in the contract query table can be sorted according to the matching degree of the contract main body and the business type of the merchant from high to low, and the top K contract templates are output according to the sorting result for the merchant to select. Or the merchant feeds back the contract templates which do not meet the requirements, the request for reacquiring the contract templates can be triggered through a selection button of the interactive interface, and K contract templates with lower matching degree are reacquired from the sorted contract templates and serve as secondary contract templates to be output. Or when the user does not operate for a long time, sending inquiry information, inquiring whether the current contract template displayed by the merchant does not meet the requirement or not, and triggering to obtain the secondary contract template according to the feedback or overtime feedback of the merchant. Through the matched output of the contract templates, the inconvenience that a merchant selects from a large number of contract templates is avoided, and the efficiency of contract online signing is improved.

After the merchant selects the contract template, supplementary terms can be further configured, or part of the content in the contract template can be modified.

In one embodiment, configuring contract custom content includes:

setting contract variables in a contract template, matching the contract variables according to the merchant information, and receiving text data corresponding to the contract variables fed back by the merchant, wherein the contract variables comprise: the first party or the second party, a communication address, a contact object and a contact way;

when the clauses are added or deleted in the contract template, the added or deleted clauses are marked, the corresponding clauses are compared with the texts in the legal text base, whether the corresponding clauses exceed the legal constraint range is judged, and corresponding adding/deleting operation is executed.

Contract variables can be set in the contract template, wherein the contract variables include: party A, legal representative, address, contact, phone, mailbox, etc. After the merchant selects the contract template, the contract variables can be automatically matched according to the merchant information. Specifically, the basic information in the merchant license can be identified according to the OCR model in step S1, and the basic information is automatically filled into the corresponding contract variable for the merchant to confirm.

When the clauses are added or deleted in the contract template, the added or deleted clauses are marked, the corresponding clauses are compared with the texts in the legal text base, and whether the corresponding clauses exceed the legal constraint range is judged. Specifically, various case legal documents with contract disputes can be pre-arranged, the legal provisions in the corresponding legal documents are extracted, a legal text base is entered, and the warehoused legal provisions are marked according to the business types corresponding to the cases. Before comparing the added or deleted contract terms with the legal text, the business type corresponding to the contract can be compared with the business type corresponding to the legal provisions in the legal text library in advance, the similarity of the business types is calculated, if the similarity reaches a threshold value, the corresponding legal provisions are selected to be compared with the key features in the contract terms, and whether the key features set by the contract terms meet legal provisions is judged. And if the information is not met or is difficult to determine, outputting risk warning information. When legal compliance is judged, key constraint points in legal provisions can be marked in advance, various sample data which do not meet the regulations are sorted, a text classification model is trained on the basis of a deep neural network, the compliance problem is converted into a two-classification problem, if the compliance problem meets the legal provisions, 1 is output, and if the compliance problem does not meet the provisions, 0 is output. And training a large number of samples to obtain a text classification model, acquiring the content of corresponding clauses by the server side when the corresponding clauses are added or deleted, and inputting the corresponding text classification model after feature extraction to acquire a classification result. And triggering risk early warning information according to the classification result. The risk early warning information may be set according to a business or a contract, and is not limited specifically here.

Similarly, when the content of the existing clauses in the contract template is modified, the corresponding contract clauses can be marked to perform compliance judgment, and the specific judgment method is similar to the judgment method for adding/deleting the contract clauses, and is not repeated here.

And after the revised contract terms are judged to accord with the provisions of the relevant legal provisions, the corresponding contract terms are entered into a contract template selected by the merchant to generate a text to be signed. If the contract is modified, the generated text to be signed is output to the service party in advance for verification and confirmation. Specifically, after the text to be signed is generated, an audit node can be generated, and a message is output to a manager with authority to remind the manager of completing the audit work. The corresponding manager can be informed to carry out contract check in a mode of mail, short message or prompt of an application end system. After the verification is passed, the text to be signed can be output to the corresponding merchant. The text to be signed can be displayed on a terminal display interface of the merchant in a text link mode, and the merchant can click the corresponding text link to generate contract preview.

In addition, when the merchant registers, the signature information of the merchant, such as name handwriting, can be collected. And after the merchant signs the contract, comparing the signature information with the information acquired during registration to judge whether the signature information is consistent with the information acquired during registration, and prompting the merchant to sign again if the signature information is inconsistent with the information acquired during registration. Meanwhile, the merchant can also call identity information of a legal person of the service side for online authentication; enterprise authentication is carried out through legal information, and the merchant can check enterprise qualification information to ensure that the information of both parties is public and transparent.

In one embodiment, as shown in FIG. 4, there is provided a dynamic contract signing apparatus comprising: the rule matching module 10 is configured to obtain merchant information, match a preset contract rule with the merchant information, and obtain one or more matched contract rules, where the merchant information includes a license image, operator identity information, or an operating service range; the rule selection module 11 selects a matched contract rule to obtain a corresponding contract query table, wherein the contract query table comprises a plurality of contract templates corresponding to the contract rule; and the contract generating module 12 is configured to search the contract lookup table according to the merchant information to obtain a matched contract template, configure contract customized content, generate a text to be signed, and output the text to the terminal corresponding to the merchant.

In an embodiment, the apparatus further comprises: the registration matching unit is used for inputting merchant information, registering merchants and matching the service types according to business license images of the merchants or the input business range; and the rule authorization unit is used for carrying out contract rule authorization according to the business type matched with the merchant and establishing the corresponding relation between the merchant and one or more contract rules.

In an embodiment, the apparatus further comprises: the interactive retrieval unit is used for creating an interactive page, inputting a rule theme into the interactive page and matching the service type according to the rule theme; and the rule configuration unit is used for acquiring a corresponding contract template according to the service type matched with the rule theme, creating a corresponding relation between the contract rule and one or more contract templates, and creating a contract query table corresponding to the contract rule according to the acquired contract template.

In one embodiment, the registration matching unit includes: the image feature comparison component is used for extracting key features corresponding to a business range in a business license when the merchant registration information comprises the business license, comparing the key features with the business types of a service provider in similarity, and selecting one or more business types with the similarity reaching a set threshold; and the input characteristic comparison unit is used for acquiring key characteristics corresponding to the operation business range from the input information of the merchant, comparing the key characteristics with the business types of the service provider and selecting one or more business types with the similarity reaching a set threshold value.

In one embodiment, the interactive retrieving unit includes: the rule parameter configuration component is used for performing identity authentication on a target object, triggering and acquiring the interaction page according to an identity authentication result, and configuring rule parameters according to the interaction page, wherein the rule parameters comprise: a rule theme, a rule unique identification code and a contract template identification code; the business retrieval component is used for a target object to enter the rule theme through the interactive page, generating a retrieval request according to the rule theme and sending the retrieval request to the server, and acquiring one or more business types with similarity reaching a set threshold value with the rule theme from the server according to the retrieval request; and generating an optional service list according to the matched service type for the target object to carry out rule parameter configuration.

In one embodiment, the rule configuration unit includes: the key information acquisition component is used for constructing a feature extraction network and extracting contract key information from the contract templates corresponding to the contract query tables according to the feature extraction network, wherein the contract key information comprises: contract timeliness and contract corresponding service description; the push database creating component is used for creating a push information database according to the contract key information corresponding to each contract template; and the pushing component is used for acquiring corresponding contract key information from the pushing information database according to the contract template identification code after acquiring the contract template under the corresponding contract rule according to the merchant information and outputting the corresponding contract key information to the merchant corresponding terminal.

In one embodiment, the contract generation module 12 includes: the variable configuration component is used for setting contract variables in a contract template, matching the contract variables according to the merchant information, and receiving text data corresponding to the contract variables fed back by the merchant, wherein the contract variables comprise: the first party or the second party, a communication address, a contact object and a contact way; and the contract revision component is used for marking the added or deleted clauses when the clauses are added or deleted in the contract template, comparing the corresponding clauses with the texts in the legal text library, judging whether the corresponding clauses exceed the legal constraint range, and executing corresponding addition/deletion operation.

The above-described dynamic contract signing apparatus may be implemented in the form of a computer program which may be run on a computer device as shown in fig. 5. A computer device, comprising: a memory, a processor, and a computer program stored on the memory and executable on the processor.

The various modules in the dynamic contract signing apparatus described above may be implemented in whole or in part by software, hardware, and combinations thereof. The modules can be embedded in a memory of the terminal in a hardware form or independent from the memory of the terminal, and can also be stored in the memory of the terminal in a software form, so that the processor can call and execute the corresponding operations of the modules. The processor can be a Central Processing Unit (CPU), a microprocessor, a singlechip and the like.

Fig. 5 is a schematic diagram of an internal structure of the computer device in one embodiment. There is provided a computer device comprising: a memory, a processor, and a computer program stored on the memory and executable on the processor, the processor implementing the following steps when executing the computer program: acquiring merchant information, and matching preset contract rules according to the merchant information to acquire one or more matched contract rules, wherein the merchant information comprises business license images, operator identity information or an operating business range; selecting a matched contract rule, and acquiring a corresponding contract query table, wherein the contract query table comprises a plurality of contract templates corresponding to the contract rule; and searching the contract query table according to the merchant information to obtain a matched contract template, configuring contract self-defined content, generating a text to be signed and outputting the text to the merchant corresponding terminal.

In an embodiment, before the matching of the preset contract rule is implemented, the processor further includes: inputting merchant information, registering merchants, and matching service types according to business license images of the merchants or the input business range; and performing contract rule authorization according to the service type matched with the merchant, and establishing the corresponding relation between the merchant and one or more contract rules.

In an embodiment, when executed by the processor, the implementation further includes, before performing contract rule authorization: creating an interactive page, inputting a rule theme into the interactive page, and matching the service type according to the rule theme; and acquiring a corresponding contract template according to the service type matched with the rule theme, creating a corresponding relation between the contract rule and one or more contract templates, and creating a contract query table corresponding to the contract rule according to the acquired contract template.

In one embodiment, the matching of the business type according to the business license image or the entered business scope of the merchant, which is realized when the processor executes, includes: when the merchant registration information comprises a business license, extracting key features corresponding to a business range in the business license, comparing the key features with business types of a service provider, and selecting one or more business types with the similarity reaching a set threshold; and acquiring key characteristics corresponding to the operation business range from the merchant input information, comparing the key characteristics with the business types of the service provider, and selecting one or more business types with the similarity reaching a set threshold.

In an embodiment, the creating an interactive page, which is realized when the processor executes, enters a rule topic in the interactive page, and matches a service type according to the rule topic includes: performing identity authentication on a target object, triggering and acquiring the interaction page according to an identity authentication result, and configuring rule parameters according to the interaction page, wherein the rule parameters comprise: a rule theme, a rule unique identification code and a contract template identification code; the target object inputs the rule theme through the interactive page, generates a retrieval request according to the rule theme and sends the retrieval request to the server, and acquires one or more service types with similarity reaching a set threshold value with the rule theme from the server according to the retrieval request; and generating an optional service list according to the matched service type for the target object to carry out rule parameter configuration.

In an embodiment, when the processor executes, after the corresponding relationship between the contract rule and the contract template is established, the method further includes: constructing a feature extraction network, and extracting contract key information from contract templates corresponding to the contract query tables according to the feature extraction network, wherein the contract key information comprises: contract timeliness and contract corresponding service description; establishing a push information database according to the contract key information corresponding to each contract template; and after acquiring a contract template under the corresponding contract rule according to the merchant information, acquiring corresponding contract key information from the push information database according to the contract template identification code and outputting the corresponding contract key information to the merchant corresponding terminal.

In an embodiment, when the processor executes, the implemented configuration contract custom content includes: setting contract variables in a contract template, matching the contract variables according to the merchant information, and receiving text data corresponding to the contract variables fed back by the merchant, wherein the contract variables comprise: the first party or the second party, a communication address, a contact object and a contact way; when the clauses are added or deleted in the contract template, the added or deleted clauses are marked, the corresponding clauses are compared with the texts in the legal text base, whether the corresponding clauses exceed the legal constraint range is judged, and corresponding adding/deleting operation is executed.

In one embodiment, the computer device may be used as a server, including but not limited to a stand-alone physical server or a server cluster formed by a plurality of physical servers, and may also be used as a terminal, including but not limited to a mobile phone, a tablet computer, a personal digital assistant or a smart device. As shown in fig. 5, the computer apparatus includes a processor, a storage medium, an internal memory, a display screen, and a network interface, which are connected through a system bus.

Wherein, the processor of the computer device is used for providing calculation and control capability and supporting the operation of the whole computer device. A storage medium of the computer device stores an operating system and a computer program. The computer program can be executed by a processor for implementing a dynamic contract signing method provided by the above embodiments. The internal memory in the computer device provides a cached execution environment for the operating system and computer programs in the storage medium. The display interface can display data through the display screen. The display screen may be a touch screen, such as a capacitive screen or an electronic screen, and the corresponding instruction may be generated by receiving a click operation applied to a control displayed on the touch screen.

Those skilled in the art will appreciate that the configuration of the computer device shown in fig. 5 is a block diagram of only a portion of the configuration associated with the present application and does not constitute a limitation of the computer device to which the present application applies, and that a particular computer device may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.

In one embodiment, a computer-readable storage medium is provided, having stored thereon a computer program which, when executed by a processor, performs the steps of: the system comprises a data processing module, a data processing module and a data processing module, wherein the data processing module is used for acquiring merchant information, matching preset contract rules according to the merchant information and acquiring one or more matched contract rules, wherein the merchant information comprises business license images, operator identity information or business operation range; selecting a matched contract rule, and acquiring a corresponding contract query table, wherein the contract query table comprises a plurality of contract templates corresponding to the contract rule; and the contract query table is used for searching the contract query table according to the merchant information to obtain a matched contract template, configuring contract self-defined content, generating a text to be signed and outputting the text to the merchant corresponding terminal.

In one embodiment, the computer program, when executed by the processor, further performs the following before matching the preset contract rule: inputting merchant information, registering merchants, and matching service types according to business license images of the merchants or the input business range; and performing contract rule authorization according to the service type matched with the merchant, and establishing the corresponding relation between the merchant and one or more contract rules.

In one embodiment, the computer program, when executed by the processor, further implements, prior to performing the contract rule authorization, the method comprising: creating an interactive page, inputting a rule theme into the interactive page, and matching the service type according to the rule theme; and acquiring a corresponding contract template according to the service type matched with the rule theme, creating a corresponding relation between the contract rule and one or more contract templates, and creating a contract query table corresponding to the contract rule according to the acquired contract template.

In one embodiment, the computer program, when executed by the processor, implements matching business types according to business license images or entered business scopes of the merchant, including: when the merchant registration information comprises a business license, extracting key features corresponding to a business range in the business license, comparing the key features with business types of a service provider, and selecting one or more business types with the similarity reaching a set threshold; and acquiring key characteristics corresponding to the operation business range from the merchant input information, comparing the key characteristics with the business types of the service provider, and selecting one or more business types with the similarity reaching a set threshold.

In one embodiment, the creating an interaction page implemented when the computer program is executed by a processor, entering a rule topic in the interaction page, and matching a business type according to the rule topic includes: performing identity authentication on a target object, triggering and acquiring the interaction page according to an identity authentication result, and configuring rule parameters according to the interaction page, wherein the rule parameters comprise: a rule theme, a rule unique identification code and a contract template identification code; the target object inputs the rule theme through the interactive page, generates a retrieval request according to the rule theme and sends the retrieval request to the server, and acquires one or more service types with similarity reaching a set threshold value with the rule theme from the server according to the retrieval request; and generating an optional service list according to the matched service type for the target object to carry out rule parameter configuration.

In an embodiment, the computer program, when executed by the processor, further implements the following after establishing the correspondence between the contract rule and the contract template: constructing a feature extraction network, and extracting contract key information from contract templates corresponding to the contract query tables according to the feature extraction network, wherein the contract key information comprises: contract timeliness and contract corresponding service description; establishing a push information database according to the contract key information corresponding to each contract template; and after acquiring a contract template under the corresponding contract rule according to the merchant information, acquiring corresponding contract key information from the push information database according to the contract template identification code and outputting the corresponding contract key information to the merchant corresponding terminal.

In one embodiment, the computer program, when executed by a processor, implements configuring contract customization content, comprising: setting contract variables in a contract template, matching the contract variables according to the merchant information, and receiving text data corresponding to the contract variables fed back by the merchant, wherein the contract variables comprise: the first party or the second party, a communication address, a contact object and a contact way; when the clauses are added or deleted in the contract template, the added or deleted clauses are marked, the corresponding clauses are compared with the texts in the legal text base, whether the corresponding clauses exceed the legal constraint range is judged, and corresponding adding/deleting operation is executed.

It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by a computer program, which can be stored in a computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. The storage medium may be a non-volatile storage medium or a volatile storage medium, such as a magnetic disk, an optical disk, a Read-Only Memory (ROM), and the like.

In summary, according to the dynamic contract signing method, device, equipment and medium provided by the invention, the custom rules are adopted for the contract contents of the smaller and the smaller, the available contract and the signable merchant are determined based on each custom rule, the matching selection of the custom contract contents of the smaller and the larger merchant is completed, a new service type does not need to be created for the contract contents of the smaller and the development and maintenance cost is reduced; corresponding business types and contract templates are quickly matched according to the theme, the process of editing contract rules by managers is simplified, and the rule configuration efficiency is improved; the contract rules and the contract templates corresponding to the information of the merchants are automatically matched, reliable data reference is provided for the merchants, the efficiency of online contract signing is improved, and the cost of reciprocal communication between the merchants is saved. Therefore, the invention effectively overcomes various defects in the prior art and has high industrial utilization value.

The foregoing embodiments are merely illustrative of the principles and utilities of the present invention and are not intended to limit the invention. Any person skilled in the art can modify or change the above-mentioned embodiments without departing from the spirit and scope of the present invention. Accordingly, it is intended that all equivalent modifications or changes which can be made by those skilled in the art without departing from the spirit and technical spirit of the present invention be covered by the claims of the present invention.