A dynamic contract signing method, device, equipment and medium

Abstract

The present invention proposes a dynamic contract signing method, device, equipment and medium, which relate to the field of artificial intelligence. The method comprises: obtaining merchant information, and matching preset contract rules according to the merchant information to obtain one or more matching contract rules, wherein the merchant information comprises a business license image, operator identity information or business scope; selecting matching contract rules to obtain corresponding contract query tables, wherein the contract query tables contain multiple contract templates corresponding to the contract rules; searching the contract query tables according to the merchant information to obtain matching contract templates, configuring custom contract content, generating a text to be signed and outputting it to the corresponding terminal of the merchant; the present invention can effectively be compatible with niche businesses and improve the efficiency of online contract processing and management and maintenance.

Description

Technical Field

[0001] The present invention relates to the field of artificial intelligence, and in particular to a dynamic contract signing method, device, equipment and medium. Background Art

[0002] The contract signing system under the traditional business model mainly sets fixed contract templates according to different business types. Each business type specifies a corresponding contract template. After the cooperative merchant registers and logs in to the system, he selects the corresponding business type according to the actual business and enters the merchant's basic information. After it is submitted for review and passed, the contract content can be previewed, and the contract signing is completed if the contract content is correct.

[0003] With the surge in online business volume such as drugstore cloud and ordinary O2O drug purchase, the platform will connect to more offline stores and need to sign business contracts with more cooperative merchants. Since the situation of each merchant is different, many merchants will propose some reasonable contract terms as supplementary agreements to the main contract based on their actual situation. Because the content and terms of each supplementary agreement are different, the platform needs to spend a lot of development and maintenance costs to create a new business type for each niche content contract content, resulting in a waste of resources. Summary of the invention

[0004] In view of the above problems existing in the prior art, the present invention proposes a dynamic contract signing method, device, equipment and medium, which mainly solves the problems of high cost of business type development and maintenance for niche businesses and low efficiency of online contract signing in the existing methods.

[0005] In order to achieve the above purpose and other purposes, the technical solution adopted by the present invention is as follows.

[0006] A dynamic contract signing method, comprising:

[0007] Acquire merchant information, and match preset contract rules according to the merchant information to acquire one or more matching contract rules, wherein the merchant information includes a business license image, operator identity information, or business scope;

[0008] Select a matching contract rule and obtain a corresponding contract query table, wherein the contract query table contains a plurality of contract templates corresponding to the contract rule;

[0009] The contract query table is searched according to the merchant information to obtain a matching contract template, and the contract custom content is configured to generate a text to be signed and output to the merchant's corresponding terminal.

[0010] Optionally, before matching the preset contract rules, the following is also included:

[0011] Enter merchant information, register the merchant, and match the business type based on the merchant's business license image or the entered business scope;

[0012] Contract rules are authorized according to the business type that matches the merchant, and a corresponding relationship between the merchant and one or more contract rules is established.

[0013] Optionally, before authorizing the contract rules, the following is also included:

[0014] Creating an interactive page, entering a rule subject on the interactive page, and matching a business type according to the rule subject;

[0015] The corresponding contract template is obtained according to the business type matching the rule subject, a corresponding relationship between the contract rule and one or more contract templates is created, and a contract query table corresponding to the contract rule is created according to the obtained contract template.

[0016] Optionally, the business type is matched based on the merchant's business license image or the entered business scope, including:

[0017] When the merchant registration information includes a business license, extract the key features corresponding to the business scope in the business license, compare the key features with the business types of the service provider for similarity, and select one or more business types whose similarity reaches a set threshold;

[0018] The key features corresponding to the business scope are obtained from the merchant input information, the key features are compared with the business types of the service provider for similarity, and one or more business types whose similarity reaches a set threshold are selected.

[0019] Optionally, an interaction page is created, a rule subject is entered on the interaction page, and a business type is matched according to the rule subject, including:

[0020] Perform identity authentication on the target object, trigger acquisition of the interaction page according to the identity authentication result, and configure rule parameters according to the interaction page, wherein the rule parameters include: rule subject, rule unique identification code and contract template identification code;

[0021] The target object enters the rule subject through the interactive page, generates a retrieval request based on the rule subject and sends it to the server, obtains one or more business types whose similarity with the rule subject reaches a set threshold from the server according to the retrieval request; and generates an optional business list based on the matching business types for the target object to configure rule parameters.

[0022] Optionally, after establishing the correspondence between the contract rules and the contract template, the following is also included:

[0023] Constructing a feature extraction network, and extracting key contract information from the contract templates corresponding to each contract query table according to the feature extraction network, wherein the key contract information includes: contract validity and contract corresponding business description;

[0024] Creating a push information database according to the key contract information corresponding to each contract template;

[0025] After obtaining the contract template under the corresponding contract rules according to the merchant information, the corresponding key contract information is obtained from the push information database according to the contract template identification code and output to the corresponding terminal of the merchant.

[0026] Optionally, configure contract customizations, including:

[0027] Setting contract variables in the 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 include: Party A or Party B, mailing address, contact person, and contact information;

[0028] When adding / deleting clauses in a contract template, mark the added or deleted clauses, compare the corresponding clauses with the text in the legal text library, determine whether the corresponding clauses exceed the scope of legal constraints, and perform the corresponding addition / deletion operations.

[0029] A dynamic contract signing device, comprising:

[0030] A rule matching module, used to obtain merchant information, and match preset contract rules according to the merchant information to obtain one or more matching contract rules, wherein the merchant information includes a business license image, operator identity information or business scope;

[0031] A rule selection module selects a matching contract rule and obtains a corresponding contract query table, wherein the contract query table contains a plurality of contract templates corresponding to the contract rule;

[0032] The contract generation module is used to search the contract query table according to the merchant information to obtain a matching contract template, configure the contract custom content, generate a text to be signed and output it to the merchant's corresponding terminal.

[0033] A computer device comprises: a memory, a processor and a computer program stored in the memory and executable on the processor, wherein the processor implements the steps of the dynamic contract signing method when executing the computer program.

[0034] A computer-readable storage medium stores a computer program, which implements the steps of the dynamic contract signing method when executed by a processor.

[0035] As described above, the present invention provides a dynamic contract signing method, device, equipment and medium, which have the following beneficial effects.

[0036] Rules for niche businesses can be set based on existing business types, and contract templates corresponding to merchant information can be matched according to the rules to be compatible with various niche businesses and reduce development and maintenance costs; contract templates can be automatically matched, contract texts can be quickly generated, and the efficiency of online contract signing can be improved. BRIEF DESCRIPTION OF THE DRAWINGS

[0037] Figure 1 The figure is a flow chart of a dynamic contract signing method in one embodiment of the present invention.

[0038] Figure 2 The figure is a flowchart of contract rule matching in one embodiment of the present invention.

[0039] Figure 3 A schematic diagram of the process of setting contract rules in one embodiment of the present invention.

[0040] Figure 4 It is a module diagram of a dynamic contract signing device in one embodiment of the present invention.

[0041] Figure 5 FIG. 1 is a schematic diagram of the structure of a computer device in one embodiment of the present invention. DETAILED DESCRIPTION

[0042] The following describes the embodiments of the present invention by specific examples, and those skilled in the art can easily understand other advantages and effects of the present invention from the contents disclosed in this specification. The present invention can also be implemented or applied through other different specific embodiments, and the details in this specification can also be modified or changed in various ways based on different viewpoints and applications without departing from the spirit of the present invention. It should be noted that the following embodiments and features in the embodiments can be combined with each other without conflict.

[0043] It should be noted that the illustrations provided in the following embodiments are only schematic illustrations of the basic concept of the present invention, and thus the drawings only show components related to the present invention rather than being drawn according to the number, shape and size of components in actual implementation. In actual implementation, the type, quantity and proportion of each component may be changed arbitrarily, and the component layout may also be more complicated.

[0044] See also Figure 1 The present invention provides a dynamic contract signing method, comprising the following steps:

[0045] Step S1: obtaining merchant information, and matching preset contract rules according to the merchant information to obtain one or more matching contract rules, wherein the merchant information includes a business license image, operator identity information or business scope;

[0046] Step S2: Select a matching contract rule and obtain a corresponding contract query table, wherein the contract query table contains a plurality of contract templates corresponding to the contract rule;

[0047] Step S3: Search the contract query table to obtain a matching contract template according to the merchant information, configure the contract custom content, generate a text to be signed and output it to the merchant's corresponding terminal.

[0048] The following describes the workflow steps of the dynamic contract signing method of the present invention in conjunction with specific embodiments.

[0049] In step S1, merchant information is obtained, and preset contract rules are matched according to the merchant information to obtain one or more matching contract rules, wherein the merchant information includes a business license image, operator identity information or business scope.

[0050] See also Figure 2 In one embodiment, before matching the preset contract rules, the method further includes:

[0051] Step S101, enter merchant information, register the merchant, and match the business type according to the merchant's business license image or the entered business scope;

[0052] Step S102: Authorize the contract rules according to the business type matching the merchant, and establish a corresponding relationship between the merchant and one or more contract rules.

[0053] Specifically, the merchant information may include the name of the merchant's legal agent, an image of the business license, contact information, etc. The merchant information is verified with the registration information of the Industrial and Commercial Administration Bureau. After the verification is passed, the merchant is entered into the candidate database.

[0054] In one embodiment, matching the business type according to the business license image or the input business scope of the merchant includes: when the merchant registration information includes the business license, extracting the key features corresponding to the business scope in the business license, comparing the key features with the business types of the service provider for similarity, and selecting one or more business types whose similarity reaches a set threshold;

[0055] Obtain key features corresponding to the business scope from the merchant input information, compare the key features with the business types of the service provider for similarity, and select one or more business types whose similarity reaches the set threshold

[0056] Specifically, the business scope on the merchant's business license image can be identified through the OCR (Optical Character Recognition) recognition model to obtain the merchant's main business. Specifically, the OCR recognition model may include two parts: text detection and text recognition, wherein the text detection model may include three parts: feature extraction layer, feature fusion layer and output layer. The feature extraction layer may use the PVANet target detection model as the backbone of the network structure, and is divided into extracting feature maps from four sequentially connected convolutional layers. The size of the convolutional layer is halved in turn, and the number of convolutional kernels is doubled in turn, so as to extract feature maps of different scales. The feature fusion layer receives the feature map output by each previous convolutional layer, and merges the previously extracted feature maps. The process of merging feature maps may include: first sending the feature map of the last layer extracted in the feature extraction layer to an unpooling layer to enlarge the image, and the specific magnification can be adjusted according to the actual application requirements. Then it is spliced ​​with the feature map obtained by the previous convolutional layer to string the two feature maps together. Then the spliced ​​feature map is convolved by the convolution kernel, and the remaining two convolution layers repeat the above steps. After the spliced ​​feature map is convolved by multiple convolution kernels, the result is output to the output layer. The text position detection in the image is completed by the text detection model, and the confidence of the position coordinates of the detection box is output. During text recognition, the RNN neural network combined with CTC (Connectionist Temporal Classification) can be used according to the output of the text detection to identify the text information in the detection box and output the recognition result. The recurrent neural network RNN ​​can use a deep bidirectional LSTM (Long Short Term Memory) network. On the basis of the above text detection model, the features of the text sequence are further extracted. The network structure of the LSTM network is not repeated here. After being processed by the LSTM network, the output passes through CTC to obtain the corresponding characters, and each output neuron corresponds to a character element. The output probability of each character is calculated by CTC. For example, when the input of the given LSTM network is x, the output is the probability of m. The probability of CTC can be calculated by using the Markov model. When the model is trained, the network parameters of LSTM are adjusted by the gradient of the CTC probability to maximize the output probability. The specific calculation process will not be described here.

[0057] Merchants can register their merchant information through designated mobile applications or log on to designated websites to complete merchant registration. After registration is completed, the merchant's main business can be compared with the business types that the service provider can provide, and one or more business types that have a similarity with the merchant's main business that reaches a set threshold can be selected as matching business types. Specifically, merchants can also manually fill in the business scope when registering, and match the corresponding business type of the service provider based on the filled content.

[0058] In one embodiment, when a merchant fills in the business manually, the business data filled in by the merchant is obtained, and the business data is matched with the main business data on the business license to determine whether the filled content belongs to the main business scope. Specifically, a classification model can be pre-trained, and the business data can be input into the classification model to obtain the business scope category corresponding to the business data. For example, taking the business scope of a consulting company as an example, the business scope category may include: legal information consulting, medical information consulting, medical device information consulting, etc. The corresponding category of the handwritten business data is compared with the main business category to determine whether the two are consistent. If not, the merchant is reminded that the input information may exceed the business scope. At the same time, the service provider is reminded to conduct a business review. If consistent, the corresponding contract rules can be matched according to the business data filled in by the merchant. Among them, the main business in the business license can be obtained by identifying the aforementioned OCR model. The classification model can use a recurrent neural network model. After the recurrent neural network model performs feature extraction, it is classified by a softmax classifier to obtain the corresponding category. All registrable business scopes can be sorted out, and after classification and labeling, training samples are constructed for training the classification model. Users only need to enter the corresponding keywords or synonyms to obtain the matching business scope. Through automated review and verification, the registration review process is reduced, the interaction costs of both parties are saved, and efficiency is improved.

[0059] After completing the business type matching, further match the corresponding custom contract rules according to the business type. Exemplarily, preset contract rules a1, a2, and a3. Contract rule a1 corresponds to business types b1-b5, contract rule a2 corresponds to business types b9-b15, and contract rule a3 corresponds to business types b21-b29. If the business types that match the merchant registration information are b1, b3, and b5, respectively, the contract rule that matches the merchant is a1; if the business types that match the merchant registration information are b1, b10, and b25, respectively, the contract rules that match the merchant are a1, a2, and a3. In this way, a correspondence between a merchant and one or more contract rules can be established. After establishing the correspondence, the service provider that provides business services can authorize the merchant to adopt the corresponding contract rules. The contract rules can be customized by the service provider according to the business types that can be provided.

[0060] See also Figure 3 In one embodiment, before the contract rule authorization is performed, the following steps are further included:

[0061] Step S103, creating an interactive page, entering a rule subject in the interactive page, and matching a business type according to the rule subject;

[0062] Step S104, obtaining a corresponding contract template according to a business type matching the rule subject, creating a corresponding relationship between the contract rule and one or more contract templates, and creating a contract query table corresponding to the contract rule according to the obtained contract template.

[0063] In one embodiment, an interaction page is created, a rule subject is entered on the interaction page, and a business type is matched according to the rule subject, including:

[0064] Perform identity authentication on the target object, trigger acquisition of the interaction page according to the identity authentication result, and configure rule parameters according to the interaction page, wherein the rule parameters include: rule subject, rule unique identification code and contract template identification code;

[0065] The target object enters the rule subject through the interactive page, generates a retrieval request based on the rule subject and sends it to the server, obtains one or more business types whose similarity with the rule subject reaches a set threshold from the server according to the retrieval request; and generates an optional business list based on the matching business types for the target object to configure rule parameters.

[0066] Specifically, an interactive page for editing rules can be created. After logging in, the manager can authenticate the authority through his identity. After the authority authentication is passed, the interactive page is started to customize the contract rules. Among them, the contract rule editing content may include: rule name, rule unique identification code, contract template identification code, merchant identification code, rule subject, etc. Exemplarily, the manager can enter the rule subject, retrieve the matching business type and the corresponding contract template according to the rule subject, and provide data reference for the manager to edit the rules. The correspondence between niche business and other business types can be set through the rule subject. Optionally, the rule subject may include the niche business used by the rule, the business category associated with the niche business, etc. The corresponding contract template is matched through the associated business category for selective configuration when the manager edits. When the merchant matches the corresponding contract rule, the corresponding contract rule can also be determined by matching the rule subject.

[0067] In one embodiment, matching the business type according to the rule subject includes:

[0068] A text recognition model is created, the rule subject is input into the text recognition model, and one or more matching business types are obtained.

[0069] Specifically, the text recognition model can use LSTM (Long Short Term Memory) neural network for model training, and the specific training process is not repeated here. Among them, the input rule subject can be a keyword corresponding to the business or a combination of multiple keywords. The keyword can be a synonym, antonym or abbreviation corresponding to the business. The keyword is input into the text recognition model, and the keyword classification is performed to obtain the business category corresponding to the keyword. Since each business category is provided with a corresponding contract template, a business category can correspond to multiple contract templates. According to the keyword search, the configurable contract template can be quickly obtained and output to the interactive interface for the administrator to select and configure. According to the configuration of the administrator, each contract rule can be generated to correspond to each contract query table, which stores all the available contract template identification codes. At the same time, the administrator can also manually configure which merchants can be applied to the currently edited contract rules and authorize merchants. It is also possible to only specify merchant categories such as pharmacies, specific product stores, etc. for merchant category authorization. As long as the merchant information matches the authorization category, the authorization of the corresponding contract rule can be directly obtained.

[0070] Customized contract rules can configure existing available contract templates for business types with smaller business volumes, without having to set up corresponding templates for each business. Reduce the workload of business maintenance and management. Managers only need to match contract templates by keywords to quickly complete the configuration, without having to understand the contract template style corresponding to each business segment, and the operation is convenient.

[0071] In step S2, a matching contract rule is selected to obtain a corresponding contract query table, wherein the contract query table contains a plurality of contract templates corresponding to the contract rule;

[0072] In one embodiment, after the correspondence between the contract rules and the contract template is established, the following steps are further included:

[0073] Constructing a feature extraction network, and extracting key contract information from the contract templates corresponding to each contract query table according to the feature extraction network, wherein the key contract information includes: contract validity and corresponding business description of the contract, etc.;

[0074] Creating a push information database according to the key contract information corresponding to each contract template;

[0075] After obtaining the contract template under the corresponding contract rules according to the merchant information, the corresponding key contract information is obtained from the push information database according to the contract template identification code and output to the corresponding terminal of the merchant.

[0076] Specifically, after completing the contract rule matching according to the merchant information, the matched contract rules can be output to the corresponding terminal of the merchant, wherein the contract rules include the rule subject, key information of the contract, etc.

[0077] After establishing the correspondence between the contract rules and the contract template, the key contract information is extracted from the contract template through the feature extraction network and entered into the contract rules. After the merchant matches the corresponding contract rules, the key contract information of the corresponding contract template can be pushed together for the merchant to refer to and select. Among them, the feature extraction network can use a recurrent neural network such as an LSTM network, etc. The specific feature extraction process is an existing technology and will not be repeated here.

[0078] Specifically, the neural network model can be pre-trained, and the contract template can be input into the corresponding neural network to obtain the key information in the contract, where the key information includes: subject, business, key terms, etc. The key information in the existing contract template can be pre-marked, and training samples can be constructed to train the neural network model. Among them, the neural network can use a recurrent neural network, a recursive neural network, etc.

[0079] In step S3, the contract query table is searched according to the merchant information to obtain a matching contract template, and the contract custom content is configured to generate a text to be signed and output to the corresponding terminal of the merchant.

[0080] After the merchant selects one of the contract rules, the matching contract template is obtained from the contract query table corresponding to the contract rule according to the merchant information and output to the corresponding terminal of the merchant.

[0081] If the terminal corresponding to the merchant outputs a request to re-obtain the contract template, or the contract template is not selected within the set time limit, the secondary contract template is output. Specifically, the contract templates in the contract query table can be sorted from high to low according to the matching degree between the contract subject and the merchant's business type, and the top K contract templates are output for the merchant to choose according to the sorting result. Or if the merchant feedbacks that there is a contract template that does not meet the requirements, the selection button on the interactive interface can be used to trigger a request to re-obtain the contract template, and re-obtain K contract templates with lower matching degrees from the sorted contract templates, and output them as secondary contract templates. Alternatively, when the user has no operation for a long time, an inquiry message is sent to ask the merchant whether the currently displayed contract template does not meet the requirements. According to the merchant feedback or feedback timeout, the acquisition of the secondary contract template is triggered. Through the matching output of the contract template, the inconvenience of merchants choosing from a large number of contract templates on their own is avoided, and the efficiency of online contract signing is improved.

[0082] After merchants select a contract template, they can further configure supplementary terms or modify some of the contents in the contract template.

[0083] In one embodiment, configuring the contract custom content includes:

[0084] Setting contract variables in the 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 include: Party A or Party B, mailing address, contact person, and contact information;

[0085] When adding / deleting clauses in a contract template, mark the added or deleted clauses, compare the corresponding clauses with the text in the legal text library, determine whether the corresponding clauses exceed the scope of legal constraints, and perform the corresponding addition / deletion operations.

[0086] Contract variables can be set in the contract template, where the contract variables include: Party A, legal representative, correspondence address, contact person, telephone number, email address, 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's business license can be identified according to the OCR model in step S1, and the basic information can be automatically filled in the corresponding contract variables for the merchant to confirm.

[0087] When adding / deleting clauses in the contract template, mark the added or deleted clauses, compare the corresponding clauses with the text in the legal text library, and determine whether the corresponding clauses exceed the scope of legal constraints. Specifically, various legal documents of cases with contract disputes can be pre-organized, the legal provisions in the corresponding legal documents can be extracted, entered into the legal text library, and the legal provisions in the library can be marked according to the business type corresponding to the case. Before comparing the added or deleted contract clauses with the legal text, the business type corresponding to the contract can be pre-compared with the business type corresponding to the legal provisions in the legal text library, and the similarity of the business type can be calculated. If the similarity threshold is reached, the corresponding legal provisions are selected to compare with the key features in the contract clauses to determine whether the key features set in the contract clauses comply with the legal provisions. If not, or it is difficult to determine, a risk warning message is output. When making a legal compliance judgment, the key constraints in the legal provisions can be pre-marked, various sample data that do not comply with the regulations can be sorted out, and a text classification model can be trained based on a deep neural network to convert the compliance problem into a binary classification problem. If it complies with the provisions of the legal provisions, 1 is output, and if it does not comply with the regulations, 0 is output. After training with a large number of samples, a text classification model is obtained. When adding or deleting corresponding clauses, the server can obtain the corresponding clause content, input the corresponding text classification model after feature extraction, and obtain the classification result. The risk warning information is triggered according to the classification result. Among them, the risk warning information can be set according to the business or contract, and there is no specific restriction here.

[0088] Similarly, when modifying existing clauses in a contract template, you can also mark the corresponding contract clauses and make a compliance judgment. The specific judgment method is similar to the judgment method for adding / deleting contract clauses, so it will not be repeated here.

[0089] After determining that the modified contract terms comply with the relevant legal provisions, the corresponding contract terms will be entered into the contract template selected by the merchant to generate a text to be signed. If the contract is modified, the generated text to be signed will be output in advance to the service provider for review and confirmation. Specifically, after the text to be signed is generated, a review node can be generated, and a message can be output to the authorized manager to remind him to complete the review. The corresponding manager can be notified to review the contract through email, SMS or application system prompts. After the review is passed, the text to be signed can be output to the corresponding merchant. The text to be signed can be displayed on the merchant's terminal display interface in the form of a text link, and the merchant can click the corresponding text link to generate a contract preview.

[0090] In addition, when merchants register, their signature information, such as handwritten names, can be collected. After the merchant signs the contract, the signature information is compared with the information collected during registration to determine whether it is consistent with the registration information. If it is inconsistent, the merchant is prompted to sign again. At the same time, merchants can also call the legal person identity information of the service provider for online authentication; through corporate authentication through legal person information, merchants can view corporate qualification information to ensure that the information of both parties is open and transparent.

[0091] In one embodiment, if Figure 4 As shown, a dynamic contract signing device is provided, which includes: a rule matching module 10, used to obtain merchant information, and match preset contract rules according to the merchant information to obtain one or more matching contract rules, wherein the merchant information includes a business license image, operator identity information or business scope; a rule selection module 11, which selects matching contract rules and obtains corresponding contract query tables, wherein the contract query tables contain multiple contract templates corresponding to the contract rules; a contract generation module 12, which is used to search the contract query tables according to the merchant information to obtain matching contract templates, configure contract custom content, and generate a text to be signed and output it to the corresponding terminal of the merchant.

[0092] In one embodiment, the device also includes: a registration matching unit, which is used to enter merchant information, register the merchant, and match the business type according to the merchant's business license image or the entered business scope; a rule authorization unit, which is used to authorize contract rules according to the business type matched with the merchant, and establish a corresponding relationship between the merchant and one or more contract rules.

[0093] In one embodiment, the device also includes: an interactive retrieval unit, used to create an interactive page, enter a rule subject on the interactive page, and match the business type according to the rule subject; a rule configuration unit, used to obtain a corresponding contract template according to the business type matching the rule subject, create a correspondence between the contract rules and one or more contract templates, and create a contract query table corresponding to the contract rules based on the acquired contract template.

[0094] In one embodiment, the registration matching unit includes: an image feature comparison component, which is used to extract key features corresponding to the business scope in the business license when the merchant registration information includes a business license, perform a similarity comparison between the key features and the business types of the service provider, and select one or more business types whose similarity reaches a set threshold; an input feature comparison unit, which is used to obtain key features corresponding to the business scope from the merchant input information, perform a similarity comparison between the key features and the business types of the service provider, and select one or more business types whose similarity reaches a set threshold.

[0095] In one embodiment, the interactive retrieval unit includes: a rule parameter configuration component, which is used to authenticate the target object, trigger the acquisition of the interactive page according to the authentication result, and configure the rule parameters according to the interactive page, wherein the rule parameters include: a rule subject, a unique rule identification code, and a contract template identification code; a business retrieval component, which is used for the target object to enter the rule subject through the interactive page, generate a retrieval request according to the rule subject and send it to the server side, obtain one or more business types whose similarity with the rule subject reaches a set threshold from the server side according to the retrieval request; and generate an optional business list according to the matching business types for the target object to configure the rule parameters.

[0096] In one embodiment, the rule configuration unit includes: a key information acquisition component, which is used to construct a feature extraction network, and extract contract key information from the contract templates corresponding to each contract query table according to the feature extraction network, wherein the contract key information includes: contract time limit and contract corresponding business description; a push database creation component, which is used to create a push information database according to the contract key information corresponding to each contract template; a push component, which is used to obtain the contract template under the corresponding contract rules according to the merchant information, and then obtain the corresponding contract key information from the push information database according to the contract template identification code and output it to the merchant's corresponding terminal.

[0097] In one embodiment, the contract generation module 12 includes: a variable configuration component, which is used to set contract variables in the contract template, match the contract variables according to the merchant information, and receive text data corresponding to the contract variables fed back by the merchant, wherein the contract variables include: Party A or Party B, mailing address, contact person, and contact information; a contract revision component, which is used to mark the added or deleted clauses when adding / deleting clauses in the contract template, compare the corresponding clauses with the text in the legal text library, determine whether the corresponding clauses exceed the scope of legal constraints, and perform corresponding addition / deletion operations.

[0098] The above-mentioned dynamic contract signing device can be implemented in the form of a computer program. The computer program can be implemented in the form of Figure 5The computer device includes a memory, a processor, and a computer program stored in the memory and executable on the processor.

[0099] Each module in the above-mentioned dynamic contract signing device can be implemented in whole or in part by software, hardware and their combination. Each module can be embedded in or independent of the terminal's memory in the form of hardware, or can be stored in the terminal's memory in the form of software, so that the processor can call and execute the operations corresponding to each module. The processor can be a central processing unit (CPU), a microprocessor, a single-chip microcomputer, etc.

[0100] like Figure 5 The figure shows a schematic diagram of the internal structure of a computer device in an embodiment. A computer device is provided, comprising: a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the following steps when executing the computer program: obtaining merchant information, matching preset contract rules according to the merchant information, and obtaining one or more matching contract rules, wherein the merchant information includes a business license image, an operator identity information, or a business scope; selecting a matching contract rule, and obtaining a corresponding contract query table, wherein the contract query table contains a plurality of contract templates corresponding to the contract rule; searching the contract query table according to the merchant information to obtain a matching contract template, configuring the contract custom content, and generating a text to be signed and outputting it to the corresponding terminal of the merchant.

[0101] In one embodiment, when the above-mentioned processor is executed, before the matching of the preset contract rules is implemented, it also includes: entering merchant information, registering the merchant, and matching the business type according to the merchant's business license image or the entered business scope; authorizing the contract rules according to the business type matching the merchant, and establishing a correspondence between the merchant and one or more contract rules.

[0102] In one embodiment, when the above-mentioned processor is executed, before the contract rule authorization is performed, it also includes: creating an interactive page, entering the rule subject on the interactive page, and matching the business type according to the rule subject; obtaining the corresponding contract template according to the business type matching the rule subject, creating a correspondence between the contract rules and one or more contract templates, and creating a contract query table corresponding to the contract rules based on the obtained contract template.

[0103] In one embodiment, when the above-mentioned processor is executed, the business type matching implemented according to the merchant's business license image or the entered business scope includes: when the merchant registration information includes a business license, extracting the key features corresponding to the business scope in the business license, performing a similarity comparison between the key features and the business types of the service provider, and selecting one or more business types whose similarity reaches a set threshold; obtaining the key features corresponding to the business scope from the merchant's entered information, performing a similarity comparison between the key features and the business types of the service provider, and selecting one or more business types whose similarity reaches a set threshold.

[0104] In one embodiment, when the above-mentioned processor is executed, the creation of an interactive page is implemented, the rule subject is entered on the interactive page, and the business type is matched according to the rule subject, including: authenticating the target object, triggering the acquisition of the interactive page according to the authentication result, and configuring rule parameters according to the interactive page, wherein the rule parameters include: rule subject, rule unique identification code and contract template identification code; the target object enters the rule subject through the interactive page, generates a retrieval request according to the rule subject and sends it to the server, obtains one or more business types whose similarity with the rule subject reaches a set threshold from the server according to the retrieval request; and generates an optional business list according to the matched business types for the target object to configure rule parameters.

[0105] In one embodiment, when the above-mentioned processor is executed, after the corresponding relationship between the contract rules and the contract templates is established, it also includes: constructing a feature extraction network, extracting key contract information from the contract templates corresponding to each contract query table according to the feature extraction network, wherein the key contract information includes: contract time limit and corresponding business description of the contract; creating a push information database according to the key contract information corresponding to each contract template; after obtaining the contract template under the corresponding contract rules according to the merchant information, obtaining the corresponding key contract information from the push information database according to the contract template identification code and outputting it to the corresponding terminal of the merchant.

[0106] In one embodiment, when the above-mentioned processor is executed, the configuration of the customized content of the contract implemented includes: setting contract variables in the 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 include: Party A or Party B, mailing address, contact object and contact information; when adding / deleting clauses in the contract template, marking the added or deleted clauses, comparing the corresponding clauses with the text in the legal text library, judging whether the corresponding clauses exceed the scope of legal constraints, and performing corresponding addition / deletion operations.

[0107] In one embodiment, the above-mentioned computer device can be used as a server, including but not limited to an independent physical server, or a server cluster composed of multiple physical servers. The computer device can 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. Figure 5 As shown, the computer device includes a processor, a storage medium, an internal memory, a display screen, and a network interface connected via a system bus.

[0108] Among them, the processor of the computer device is used to provide computing and control capabilities to support the operation of the entire computer device. The storage medium of the computer device stores an operating system and a computer program. The computer program can be executed by the processor to implement a dynamic contract signing method provided by each of the above embodiments. The internal memory in the computer device provides a cached operating environment for the operating system and computer program in the storage medium. The display interface can display data through a display screen. The display screen can be a touch screen, such as a capacitive screen or an electronic screen, and can generate corresponding instructions by receiving a click operation acting on a control displayed on the touch screen.

[0109] Those skilled in the art will understand that Figure 5 The structure of the computer device shown in the figure is only a block diagram of a partial structure related to the present application scheme, and does not constitute a limitation on the computer device to which the present application scheme is applied. The specific computer device may include more or fewer components than shown in the figure, or combine certain components, or have a different component arrangement.

[0110] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored, and when the computer program is executed by a processor, the following steps are implemented: for obtaining merchant information, and matching preset contract rules according to the merchant information to obtain one or more matching contract rules, wherein the merchant information includes a business license image, operator identity information or business scope; selecting matching contract rules to obtain corresponding contract query tables, wherein the contract query tables contain multiple contract templates corresponding to the contract rules; for searching the contract query tables according to the merchant information to obtain matching contract templates, and configuring custom contract content to generate a text to be signed and output to the corresponding terminal of the merchant.

[0111] In one embodiment, when the computer program is executed by a processor, before the matching of preset contract rules is implemented, it also includes: entering merchant information, registering the merchant, and matching the business type according to the merchant's business license image or the entered business scope; authorizing the contract rules according to the business type matching the merchant, and establishing a correspondence between the merchant and one or more contract rules.

[0112] In one embodiment, when the computer program is executed by a processor, the implementation, before the contract rule authorization, also includes: creating an interactive page, entering the rule subject on the interactive page, and matching the business type according to the rule subject; obtaining the corresponding contract template according to the business type matching the rule subject, creating a correspondence between the contract rules and one or more contract templates, and creating a contract query table corresponding to the contract rules based on the obtained contract template.

[0113] In one embodiment, when the computer program is executed by a processor, the business type is matched according to the merchant's business license image or the entered business scope, including: when the merchant registration information includes a business license, extracting key features corresponding to the business scope in the business license, performing a similarity comparison between the key features and the business types of the service provider, and selecting one or more business types whose similarity reaches a set threshold; obtaining key features corresponding to the business scope from the merchant's entered information, performing a similarity comparison between the key features and the business types of the service provider, and selecting one or more business types whose similarity reaches a set threshold.

[0114] In one embodiment, when the computer program is executed by a processor, the creation of an interactive page is implemented, the rule subject is entered on the interactive page, and the business type is matched according to the rule subject, including: authenticating the target object, triggering the acquisition of the interactive page according to the authentication result, and configuring rule parameters according to the interactive page, wherein the rule parameters include: rule subject, rule unique identification code and contract template identification code; the target object enters the rule subject through the interactive page, generates a retrieval request according to the rule subject and sends it to the server, obtains one or more business types whose similarity with the rule subject reaches a set threshold from the server according to the retrieval request; and generates an optional business list according to the matched business types for the target object to configure rule parameters.

[0115] In one embodiment, when the computer program is executed by a processor, after the corresponding relationship between the contract rules and the contract templates is established, it also includes: constructing a feature extraction network, extracting key contract information from the contract templates corresponding to each contract query table according to the feature extraction network, wherein the key contract information includes: contract time limit and corresponding business description of the contract; creating a push information database according to the key contract information corresponding to each contract template; after obtaining the contract template under the corresponding contract rules according to the merchant information, obtaining the corresponding key contract information from the push information database according to the contract template identification code and outputting it to the corresponding terminal of the merchant.

[0116] In one embodiment, when the computer program is executed by a processor, the configuration of customized contract content implemented 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 include: Party A or Party B, mailing address, contact person, and contact information; when adding / deleting clauses in the contract template, marking the added or deleted clauses, comparing the corresponding clauses with the text in the legal text library, determining whether the corresponding clauses exceed the scope of legal constraints, and performing corresponding addition / deletion operations.

[0117] A person skilled in the art can understand that all or part of the processes in the above-mentioned embodiments can be implemented by instructing the relevant hardware through a computer program, and the program can be stored in a computer-readable storage medium, and when the program is executed, it can include the processes of the embodiments of the above-mentioned methods. The storage medium can be a non-volatile storage medium or a volatile storage medium, such as a magnetic disk, an optical disk, a read-only memory (ROM), etc.

[0118] In summary, the present invention provides a dynamic contract signing method, device, equipment and medium. For relatively niche contract content, custom rules are used to determine available contracts and merchants that can sign contracts based on each custom rule, and the matching and selection of niche merchants' custom contract content is completed. There is no need to create new business types for niche contract content, which reduces development and maintenance costs; quickly matches corresponding business types and contract templates according to the subject, simplifies the process of managers editing contract rules, and improves the efficiency of rule configuration; automatically matches the contract rules and contract templates corresponding to merchant information, provides merchants with reliable data references, improves the efficiency of online contract signing, and saves the cost of communication between the two parties. Therefore, the present invention effectively overcomes the various shortcomings of the prior art and has a high industrial utilization value.

[0119] The above embodiments are merely illustrative of the principles and effects of the present invention, and are not intended to limit the present invention. Anyone familiar with the art may modify or alter the above embodiments without departing from the spirit and scope of the present invention. Therefore, all equivalent modifications or alterations made by a person of ordinary skill in the art without departing from the spirit and technical concept disclosed by the present invention shall still be covered by the claims of the present invention.

Claims

1. A dynamic contract signing method, characterized in that: include: Obtaining merchant information, and matching preset contract rules according to the merchant information to obtain one or more matching contract rules, wherein the merchant information includes a business license image, operator identity information or business scope; before matching the preset contract rules, it also includes: entering merchant information, registering the merchant, and matching the business type according to the merchant's business license image or the entered business scope; authorizing the contract rules according to the business type matching the merchant, and establishing a corresponding relationship between the merchant and one or more contract rules; before authorizing the contract rules, it also includes: creating an interactive page, entering a rule subject on the interactive page, and matching the business type according to the rule subject; obtaining a corresponding contract template according to the business type matching the rule subject, creating a corresponding relationship between the contract rule and one or more contract templates, and creating a contract query table corresponding to the contract rule according to the obtained contract template; Select a matching contract rule and obtain a corresponding contract query table, wherein the contract query table contains a plurality of contract templates corresponding to the contract rule; The contract query table is searched according to the merchant information to obtain a matching contract template, and the contract custom content is configured to generate a text to be signed and output to the merchant's corresponding terminal.

2. The dynamic contract signing method according to claim 1, characterized in that: Match the business type based on the merchant's business license image or the entered business scope, including: When the merchant registration information includes a business license, extract the key features corresponding to the business scope in the business license, compare the key features with the business types of the service provider for similarity, and select one or more business types whose similarity reaches a set threshold; The key features corresponding to the business scope are obtained from the merchant input information, the key features are compared with the business types of the service provider for similarity, and one or more business types whose similarity reaches a set threshold are selected.

3. The dynamic contract signing method according to claim 1, characterized in that: Create an interaction page, enter the rule subject on the interaction page, and match the business type according to the rule subject, including: Perform identity authentication on the target object, trigger acquisition of the interaction page according to the identity authentication result, and configure rule parameters according to the interaction page, wherein the rule parameters include: rule subject, rule unique identification code and contract template identification code; The target object enters the rule subject through the interactive page, generates a retrieval request based on the rule subject and sends it to the server, obtains one or more business types whose similarity with the rule subject reaches a set threshold from the server according to the retrieval request; and generates an optional business list based on the matching business types for the target object to configure rule parameters.

4. The dynamic contract signing method according to claim 1, characterized in that: After establishing the correspondence between contract rules and contract templates, it also includes: Constructing a feature extraction network, and extracting key contract information from the contract templates corresponding to each contract query table according to the feature extraction network, wherein the key contract information includes: contract validity and contract corresponding business description; Creating a push information database according to the key contract information corresponding to each of the contract templates; After obtaining the contract template under the corresponding contract rules according to the merchant information, the corresponding key contract information is obtained from the push information database according to the contract template identification code and output to the corresponding terminal of the merchant.

5. The dynamic contract signing method according to claim 1, characterized in that: Configure contract customization, including: Setting contract variables in the 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 include: Party A or Party B, mailing address, contact person, and contact information; When adding / deleting clauses in a contract template, mark the added or deleted clauses, compare the corresponding clauses with the text in the legal text library, determine whether the corresponding clauses exceed the scope of legal constraints, and perform the corresponding addition / deletion operations.

6. A dynamic contract signing device, characterized in that: include: A rule matching module is used to obtain merchant information, match preset contract rules according to the merchant information, and obtain one or more matching contract rules, wherein the merchant information includes a business license image, operator identity information or business scope; before matching the preset contract rules, it also includes: entering merchant information, registering the merchant, and matching the business type according to the merchant's business license image or the entered business scope; authorizing the contract rules according to the business type matching the merchant, and establishing a corresponding relationship between the merchant and one or more contract rules; before authorizing the contract rules, it also includes: creating an interactive page, entering a rule subject on the interactive page, and matching the business type according to the rule subject; obtaining a corresponding contract template according to the business type matching the rule subject, creating a corresponding relationship between the contract rule and one or more contract templates, and creating a contract query table corresponding to the contract rule according to the obtained contract template; A rule selection module selects a matching contract rule and obtains a corresponding contract query table, wherein the contract query table contains a plurality of contract templates corresponding to the contract rule; The contract generation module is used to search the contract query table according to the merchant information to obtain a matching contract template, configure the contract custom content, generate a text to be signed and output it to the merchant's corresponding terminal.

7. A computer device comprising: A memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the steps of the method according to any one of claims 1 to 5 when executing the computer program.

8. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 5 are implemented.

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