Online contract risk assessment method and system based on large model, medium and equipment

Abstract

The invention discloses an online contract risk assessment method and system based on a large model, a medium and equipment. The method comprises the following steps: S1, obtaining a contract text: obtaining contract text data uploaded by a user; s2, text preprocessing: preprocessing the contract text, including text analysis, formatting processing, clause classification and labeling; s3, risk assessment: inputting the preprocessed contract text data into a pre-trained large model, performing semantic understanding and analysis on the contract text by using the large model, and identifying potential risk points; s4, report generation: according to the identified risk point, combining a preset risk assessment rule to assess the contract risk, and generating a risk assessment result; and corresponding risk prompts and modification suggestions are provided. The method has the advantages that risk assessment is automatically carried out on the online contract, the whole assessment process is short in time consumption, the legal provision coverage range is wide in the risk assessment process, and compared with manual consultation, the efficiency is higher, and the cost is lower.

Description

Technical Field

[0001] The present invention relates to the field of computers, and in particular to a large model-based online contract risk assessment method, system, medium and equipment. Background Art

[0002] Online contracts, also known as electronic contracts, are a form of contract that is signed, managed and executed through Internet technology. With the development of information technology, online contracts have become an increasingly common form of business activities. It has the advantages of convenience, efficiency, and cost reduction. However, due to the fast time required for online contract signing, it is difficult to consult legal professionals in a timely manner during the signing process, which makes the signing of online contracts also face challenges in terms of legal effectiveness and security.

[0003] A large model refers to a deep learning model with a very large number of parameters, which can process large data sets and learn the complex features of the data. Large models are widely used. For example, in the field of natural language processing, large models can be used for tasks such as machine translation, text generation, and dialogue systems; in the field of image processing, large models can be used for tasks such as image classification, object detection, and image generation; in the field of speech recognition, large models can be used for tasks such as speech recognition, speech synthesis, and speech conversion.

[0004] The combination of big models and online contracts can make up for the problem of untimely risk assessment in the existing online contract signing process.

[0005] In view of this, it is necessary to provide an online contract risk assessment method, system, medium and equipment based on a large model. Summary of the invention

[0006] The invention provides a large model-based online contract risk assessment method, system, medium and device, which effectively solves the problem of untimely risk assessment in existing online contract signing.

[0007] The technical solution adopted by the present invention is:

[0008] The online contract risk assessment method based on the big model includes the following steps:

[0009] S1. Obtaining the contract text: obtaining the contract text data uploaded by the user;

[0010] S2. Text preprocessing: preprocessing the contract text, including text parsing, formatting, clause classification and annotation;

[0011] S3. Risk assessment: input the pre-processed contract text data into the pre-trained big model, use the big model to perform semantic understanding and analysis on the contract text, and identify potential risk points;

[0012] S4. Generate report: Based on the identified risk points and the preset risk assessment rules, the contract risk is assessed and the risk assessment results are generated; and corresponding risk warnings and modification suggestions are provided.

[0013] Furthermore, the large model is a pre-trained language model that has been fine-tuned with contract text domain data, including any one of DeepSeek, ChatGPT, ERNIE, and BERT.

[0014] Furthermore, the risk points include missing clauses, ambiguous clauses, unfair clauses, and clauses that violate laws and regulations.

[0015] Furthermore, the risk warnings and modification suggestions include suggestions for adding supplementary clauses, suggestions for modifying the wording of clauses, and suggestions for consulting professional lawyers.

[0016] Furthermore, the report is a visual report, including highlighting risk clauses, providing risk level labels, and generating a risk assessment report.

[0017] Furthermore, the S3 risk assessment also includes an assessment of the types and number of legal cases of the contracting parties.

[0018] Furthermore, the contract text data may be in any one of simplified Chinese, traditional Chinese, English, Russian, Korean, and Arabic.

[0019] Online contract risk assessment system based on large model, including:

[0020] Data preprocessing module, used for contract text parsing and formatting;

[0021] Large model risk identification module, used to understand and analyze the semantics of contract texts and identify potential risk points;

[0022] The risk warning and suggestion module displays the identified risk points and assessment results to users in a clear and understandable way;

[0023] The user interaction module is used for user registration and login, provides contract upload, download, edit and delete functions, and generates risk assessment reports.

[0024] A computer-readable storage medium stores a computer program, and when the computer program is processed and executed, the steps of the online contract risk assessment method based on a large model are implemented. In addition, the computer-readable storage medium of this embodiment can adopt any combination of one or more readable storage media, wherein the readable storage medium includes an electrical, optical, electromagnetic, infrared or semiconductor system, device or device, or any combination thereof.

[0025] A computer device comprises a processor, a communication interface, a memory and a communication bus, wherein the processor, the communication interface and the memory communicate with each other via the communication bus:

[0026] The memory is used to store computer programs;

[0027] The processor is used to execute the steps of the online contract risk assessment method based on the large model by running the program stored in the memory. As an embodiment of the present invention, the communication bus mentioned in the terminal can be a peripheral component interconnect standard (PCI) bus or an extended industry standard architecture (EISA) bus. The communication bus can be divided into an address bus, a data bus, a control bus, etc.

[0028] As an implementation mode of the present invention, the communication interface is used for communication between the above-mentioned terminal and other devices.

[0029] As an embodiment of the present invention, the memory may include a random access memory (RAM) or a non-volatile memory, such as at least one disk memory. Optionally, the memory may also be at least one storage device located away from the aforementioned processor.

[0030] As an embodiment of the present invention, the above-mentioned processor can be a general-purpose processor, including a central processing unit (CPU), a network processor (NP), etc.; it can also be a digital signal processor (DSP), an application specific integrated circuit (ASIC), a field programmable gate array (FPGA) or other programmable logic devices, discrete gates or transistor logic devices, discrete hardware components.

[0031] Beneficial effects of the invention:

[0032] 1. Automatically conduct risk assessment on online contracts. The entire assessment process is time-saving and covers a wide range of legal provisions. Compared with manual consultation, it is more efficient and less expensive.

[0033] 2. Ability to trace back the previous legal cases of the contracting parties and analyze the potential ability and credit of the contracting parties to perform the contract.

[0034] 3. It can identify the risks identified in the assessment and improve the speed at which personnel can obtain the assessment conclusions.

[0035] 4. Able to give supplementary or modification suggestions based on the assessed risks to further improve the contract. BRIEF DESCRIPTION OF THE DRAWINGS

[0036] Figure 1 A flowchart of an online contract risk assessment method based on a large model provided in an embodiment of the present application. DETAILED DESCRIPTION

[0037] In order to make the above-mentioned objects, features and advantages of the present invention more obvious and easy to understand, the specific embodiments of the present invention are described in detail below with reference to the accompanying drawings.

[0038] like Figure 1 As shown, the first embodiment provided by the present application is an online contract risk assessment method based on a large model, comprising the following steps:

[0039] S1. Obtaining the contract text: obtaining the contract text data uploaded by the user;

[0040] S2. Text preprocessing: preprocessing the contract text, including text parsing, formatting, clause classification and annotation;

[0041] S3. Risk assessment: input the pre-processed contract text data into the pre-trained big model, use the big model to perform semantic understanding and analysis on the contract text, and identify potential risk points;

[0042] S4. Generate report: Based on the identified risk points and the preset risk assessment rules, the contract risk is assessed and the risk assessment results are generated; and corresponding risk warnings and modification suggestions are provided.

[0043] In the above design, it is possible to conduct risk assessment of online contracts independently, reduce the possibility of losses caused by contract defects to the contracting parties, save the consulting fees of the contracting parties for consulting lawyers, and shorten the time for contract review.

[0044] Specifically: the large model is a pre-trained language model that has been fine-tuned with contract text domain data, including any one of DeepSeek, ChatGPT, ERNIE, and BERT.

[0045] In the above designs, DeepSeek, ChatGPT, ERNIE, and BERT are all known large models that can be used quickly.

[0046] Specifically: the risk points include missing terms, ambiguous terms, unfair terms, and terms that violate laws and regulations.

[0047] The above design can cover common legal defects and eliminate basic risks.

[0048] Specifically: the risk warnings and modification suggestions include suggestions to add supplementary clauses, suggestions to modify the wording of clauses, and suggestions to consult professional lawyers.

[0049] In the above design, supplementary suggestions can be given for the deficiencies in the contract to facilitate the improvement of the contract.

[0050] Specifically: the report is a visual report, including highlighting risk clauses, providing risk level labels, and generating a risk assessment report.

[0051] In the above design, various risks are marked in the report to facilitate intuitive and rapid risk discovery.

[0052] Specifically: the S3 risk assessment also includes an assessment of the types and number of legal cases of the contracting parties.

[0053] In the above design, by tracing back the previous judicial cases of the contracting parties, it is possible to analyze the contracting parties' ability and intention to perform the contract in previous judicial cases, thereby improving the comprehensiveness of risk assessment.

[0054] Specifically: the contract text data can be in any one of simplified Chinese, traditional Chinese, English, Russian, Korean, and Arabic.

[0055] The above design can support contract entities in different countries.

[0056] The second embodiment provided by the present application is an online contract risk assessment system based on a large model, comprising:

[0057] Data preprocessing module, used for contract text parsing and formatting;

[0058] Large model risk identification module, used to understand and analyze the semantics of contract texts and identify potential risk points;

[0059] The risk warning and suggestion module displays the identified risk points and assessment results to users in a clear and understandable way;

[0060] The user interaction module is used for user registration and login, provides contract upload, download, edit and delete functions, and generates risk assessment reports.

[0061] The third embodiment provided by the present application is a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and when the computer program is processed and executed, the steps of the online contract risk assessment method based on a large model are implemented. In addition, the computer-readable storage medium of this embodiment can adopt any combination of one or more readable storage media, wherein the readable storage medium includes an electrical, optical, electromagnetic, infrared or semiconductor system, device or device, or any combination thereof.

[0062] The fourth embodiment provided by the present application is a computer device, comprising a processor, a communication interface, a memory and a communication bus, wherein the processor, the communication interface and the memory communicate with each other through the communication bus: wherein:

[0063] The memory is used to store computer programs;

[0064] The processor is used to execute the steps of the online contract risk assessment method based on the large model by running the program stored in the memory. As an embodiment of the present invention, the communication bus mentioned in the terminal can be a peripheral component interconnect standard (PCI) bus or an extended industry standard architecture (EISA) bus. The communication bus can be divided into an address bus, a data bus, a control bus, etc.

[0065] As an implementation mode of the present invention, the communication interface is used for communication between the above-mentioned terminal and other devices.

[0066] As an embodiment of the present invention, the memory may include a random access memory (RAM) or a non-volatile memory, such as at least one disk memory. Optionally, the memory may also be at least one storage device located away from the aforementioned processor.

[0067] As an embodiment of the present invention, the above-mentioned processor can be a general-purpose processor, including a central processing unit (CPU), a network processor (NP), etc.; it can also be a digital signal processor (DSP), an application specific integrated circuit (ASIC), a field programmable gate array (FPGA) or other programmable logic devices, discrete gates or transistor logic devices, discrete hardware components.

[0068] The present application provides a fifth embodiment, which is an online contract risk assessment method based on a large model, including the following steps: S1, obtaining the contract text: obtaining the contract text data uploaded by the user; S2, text preprocessing: preprocessing the contract text, including text parsing, formatting, clause classification and annotation; S3, risk assessment: inputting the preprocessed contract text data into the pre-trained large model, using the large model to semantically understand and analyze the contract text, and identify potential risk points; S4, generating a report: according to the identified risk points, combined with the preset risk assessment rules, the contract risk is assessed, and the risk assessment results are generated; and corresponding risk warnings and modification suggestions are provided. The large model is a pre-trained language model fine-tuned by the contract text field data, including any one of DeepSeek, ChatGPT, ERNIE, and BERT. The risk warnings and modification suggestions include suggestions to add supplementary clauses, suggestions to modify the wording of clauses, and suggestions to consult professional lawyers. The report is a visual report, including highlighting risk clauses, providing risk level labels, and generating risk assessment reports. The S3 risk assessment also includes an assessment of the types of judicial cases and the number of judicial cases of the contracting parties. The contract text data may be in any one of simplified Chinese, traditional Chinese, English, Russian, Korean, and Arabic.

[0069] In the above design, the risks of online contracts can be analyzed independently, the risks caused by contract defects can be reduced, the efficiency of contract review can be improved, and the cost of manual contract review can be saved.

[0070] To further explain in detail, it should be understood that the above is only a specific embodiment of the present invention and is not intended to limit the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present invention should be included in the protection scope of the present invention.

Claims

1. An online contract risk assessment method based on a large model, characterized by: The steps include: S1. Obtaining the contract text: obtaining the contract text data uploaded by the user; S2. Text preprocessing: preprocessing the contract text, including text parsing, formatting, clause classification and annotation; S3. Risk assessment: input the pre-processed contract text data into the pre-trained big model, use the big model to perform semantic understanding and analysis on the contract text, and identify potential risk points; S4. Generate report: Based on the identified risk points and the preset risk assessment rules, the contract risk is assessed and the risk assessment results are generated; And provide corresponding risk warnings and modification suggestions.

2. The online contract risk assessment method based on a large model according to claim 1 is characterized in that: The large model is a pre-trained language model that has been fine-tuned with contract text domain data, including any one of DeepSeek, ChatGPT, ERNIE, and BERT.

3. The online contract risk assessment method based on a large model according to claim 1 is characterized in that: The risk points include missing terms, ambiguous terms, unfair terms, and terms that violate laws and regulations.

4. The online contract risk assessment method based on a large model according to claim 1 is characterized in that: The risk warnings and modification suggestions include suggestions for adding supplementary clauses, suggestions for modifying the wording of clauses, and suggestions for consulting professional lawyers.

5. The online contract risk assessment method based on a large model according to claim 1 is characterized in that: The report is a visual report, including highlighting risk clauses, providing risk level labels, and generating a risk assessment report.

6. The online contract risk assessment method based on a large model according to claim 1 is characterized in that: The S3 risk assessment also includes an assessment of the types and number of legal cases filed by the contracting parties.

7. The online contract risk assessment method based on a large model according to claim 1 is characterized in that: The contract text data is in any one of simplified Chinese, traditional Chinese, English, Russian, Korean, and Arabic.

8. The online contract risk assessment system based on the big model is characterized by: include, Data preprocessing module, used for contract text parsing and formatting; Large model risk identification module, used to understand and analyze the semantics of contract texts and identify potential risk points; The risk warning and suggestion module displays the identified risk points and assessment results to users in a clear and understandable way; The user interaction module is used for user registration and login, provides contract upload, download, edit and delete functions, and generates risk assessment reports.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, and when the computer program is processed and executed, the steps of the online contract risk assessment method based on a large model according to any one of claims 1 to 7 are implemented.

10. A computer device, characterized in that: It includes a processor, a communication interface, a memory and a communication bus, wherein The processor, the communication interface and the memory communicate with each other via the communication bus: The memory is used to store computer programs; The processor is used to execute the steps of the online contract risk assessment method based on a large model according to any one of claims 1 to 7 by running the program stored in the memory.

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