An online contract generation method and system

Abstract

The present application relates to the technical field of online contract, and particularly relates to a contract online generation method and system. The method comprises the following steps: S1, obtaining text elements set by a user, and positions of the text elements in a contract page to obtain a contract template, storing the configured contract template in a contract library, and generating a contract form containing the set text elements according to the text elements contained in the contract template; S2, obtaining a business scenario of the user, determining one or more required contract templates according to the business scenario, calling the contract form of the corresponding contract template and sending the contract form to the user, and obtaining a contract form filled by the user; S3, according to the filled contract form, identifying whether the text content in each text element in the contract form conforms to the specification, when conforming to the specification, adding the text content to the position of the corresponding text element configured in the contract page, and generating an electronic contract.

Description

Technical Field

[0001] This invention relates to the field of online contract technology, and specifically to a method and system for generating contracts online. Background Technology

[0002] In the current development of various business fields, the application of contracts is becoming more and more frequent and its importance is significantly increasing. However, the traditional method of contract signing mainly relies on offline paper processes. This method involves a series of complex steps such as contract drafting, approval, downloading and printing, mailing back and forth, and application for official seals from both parties. It generally suffers from problems such as long time consumption, high cost, and low efficiency. Although with the rapid development of business and the acceleration of online processes, some electronic contract systems have emerged, which have simplified the contract generation and signing steps to a certain extent, improved efficiency, and reduced some costs.

[0003] However, most existing solutions focus on basic functions such as online editing and electronic signatures of contract texts, lacking intelligent and dynamic assessment mechanisms for the inherent risks of the contract itself and the performance capabilities of the contracting parties. Especially for complex business scenarios involving high amounts, multiple relationships, strong compliance requirements, or high urgency, existing systems are unable to automatically identify potential risks and intelligently match differentiated signing and review processes based on the specific attributes and content of the contract and the historical performance of the contracting parties. This results in enterprises still needing to invest a lot of manpower in risk assessment and process control, failing to fundamentally achieve intelligent and efficient management of the entire contract lifecycle and failing to meet the needs of enterprises for refined control of contract risks in complex business environments. Summary of the Invention

[0004] The technical problem solved by this invention is to provide an online contract generation method that can identify contract risks in complex business scenarios.

[0005] The basic solution provided by this invention is an online contract generation method, comprising the following steps:

[0006] S1. Obtain the text elements set by the user and the position of each text element in the contract page to get the contract template. Store the configured contract template in the contract library and generate a contract form containing the set text elements according to the text elements contained in the contract template.

[0007] S2. Obtain the user's business scenario, determine one or more contract templates required based on the business scenario, retrieve the contract form of the corresponding contract template and send it to the user, and obtain the contract form filled out by the user.

[0008] S3. Based on the completed contract form, identify whether the text content of each text element in the contract form conforms to the specifications. If it conforms to the specifications, add the text content to the corresponding text element position configured in the contract page to generate an electronic contract.

[0009] S4. Identify the contract attributes of this signing based on the electronic contract. The contract attributes include the contract amount, business importance, number of related businesses, compliance sensitivity, and urgency. Determine the contract level of this signing based on the contract attributes.

[0010] S5. Obtain the historical contract data of the contracting party, which includes the number of historical contracts and contract execution status. Generate the completion rate of the contracting party for each historical contract based on the historical contract data, and determine the capability risk value of the contracting party based on the completion rate of each contract level.

[0011] S6. Assess the contract risk of this contract based on the contract level and the risk value of the contracting party's capabilities, and determine the contract signing method based on the contract risk.

[0012] The principle and advantages of this invention are as follows: By pre-configuring a contract template, users can pre-set the required text elements according to different contract types, such as contract amount, Party A, Party B, and security deposit, and specify the specific position of each text element on the contract. Simultaneously, based on the text elements selected by the user, a corresponding contract form is generated. For example, if the text elements include contract amount, Party A, Party B, and security deposit, a form containing these elements is generated and bound to the contract template for storage. When a new contract needs to be created, the corresponding contract template and contract form are retrieved based on the user's business scenario. The form is sent to the user, who fills out and uploads it. The system then fills in the corresponding positions of each text element from the form in the contract template.

[0013] Then, the attributes of the contract to be signed are identified based on its content, and the importance of the contract is determined based on its attributes. Having identified the contracting party based on the contract content, the capability and risk value of the contracting party are analyzed based on its historical performance. The contract risk of the contract to be signed is determined based on its capability and risk value, and the signing method is determined based on the contract risk.

[0014] Compared to existing technologies, automating the entire process of contract drafting, generation, risk assessment, and signing method decision-making online significantly improves contract processing efficiency and reduces labor costs. At the same time, through dual risk assessment based on the objective attributes of the contract and the historical data of the signatories, appropriate signing processes are dynamically allocated for contracts with different risk levels, effectively controlling signing risks and enhancing the intelligence and security of contract management.

[0015] Furthermore, S4 includes the following steps:

[0016] S41. Determine the attribute scores for each contract attribute according to the preset scoring rules, including A. Amount score, B. Business importance score, C. Number of related businesses score, D. Compliance sensitivity score, and E. Urgency score.

[0017] S42. Calculate the overall score based on the amount score, business importance score, number of related businesses score, compliance sensitivity score, and urgency score:

[0018]

[0019] As weight;

[0020] S43. Map the overall score to the preset contract level rating range to obtain the contract level.

[0021] By using pre-defined rules, key attributes such as contract amount, business importance, number of related businesses, compliance sensitivity, and urgency are transformed into standardized attribute scores. Then, based on the importance of each attribute in risk assessment, different weights are assigned, and a weighted sum is calculated to obtain a comprehensive score. Finally, the comprehensive score is mapped to a pre-defined contract level range to determine the contract level. Its advantages lie in providing an objective and systematic method for contract level assessment, transforming the originally subjective judgment of contract importance into a calculable quantitative indicator, ensuring the accuracy and consistency of the level assessment. The weighted summation method allows for flexible adjustment of the influence of each attribute according to different business needs, making the level assessment more adaptable and configurable, laying a reliable foundation for subsequent risk assessments.

[0022] Furthermore, S5 includes the following steps:

[0023] S51. Calculate the overall historical completion rate based on the historical signing data of the contracting parties:

[0024]

[0025] Where k represents the contract level k. This indicates the number of k-level contracts signed historically. This represents the number of k-level contracts completed, where n represents the total number of contract levels.

[0026] S51. Calculate the completion rate of each contract level historically completed by the contracting party. And calculate the grade decay coefficient of adjacent contract grades for the contracting parties based on the completion rate of each contract grade:

[0027]

[0028] in The level span weight is configurable for k-level contracts; the higher the contract level, the greater the level span weight.

[0029] S52. Calculate the capability risk value of the contracted parties based on their overall completion rate and grade decay coefficient:

[0030]

[0031] in The sensitivity coefficient is configurable.

[0032] The overall completion rate is used to assess the basic capabilities of the contracting parties, while the grade decay coefficient is used to assess their adaptability to high-grade contracts, thus avoiding bias from a single indicator.

[0033] First, the overall historical contract completion rate is calculated to reflect the basic performance capability. Then, the completion rate for each contract level is calculated, paying particular attention to the trend of decreasing completion rate as the contract level increases. A weighted average of the differences in completion rates between adjacent levels is used to obtain a level decay coefficient, quantifying the degree of decline in the ability to execute higher-level contracts. Finally, the overall capability risk value is calculated by combining the overall completion rate and the decay coefficient. Its advantages lie in avoiding the one-sidedness of relying solely on the overall completion rate. By introducing a level decay coefficient, it effectively captures the changes in the capability and potential risks of the contracting entity when executing more challenging contracts. The weighted calculation of the decay coefficient highlights the impact of differences between key levels, and the combination of a configurable sensitivity coefficient makes the capability risk assessment result more comprehensive and accurate in reflecting the actual performance risk tendency of the contracting entity.

[0034] Furthermore, S6 includes the following steps:

[0035] S61. Generate a contract risk value based on the contract level and the risk assessment capabilities of the contracting party:

[0036]

[0037] Where L represents the contract grade, R represents the risk value of the contracting party's capabilities, α represents the contract grade weight, and β represents the grade non-linearity factor used to amplify the influence of higher grades. This is a non-linear risk factor used to amplify the impact of high-risk signatories;

[0038] S62. Map the contract risk value to a preset risk range to obtain the risk level. Determine the signing method based on the risk level. The signing methods corresponding to the risk levels from low to high include fully automatic signing, single-level review signing, two-level review signing, and offline signing.

[0039] This method integrates two key factors—contract level and the risk value of the contracting party's capabilities—to generate the final contract risk value. A weighted nonlinear combination approach is used, assigning different weights to contract level and capability risk value. A nonlinear factor for contract level is introduced to amplify the impact of high contract levels, and a nonlinear factor for risk value is introduced to amplify the impact of high capability risk values. This more significantly distinguishes the risks posed by high-level or high-risk contracting parties. The calculated contract risk value is then mapped to a preset risk range to determine the risk level, and the corresponding contracting method is automatically selected based on the risk level. Its advantages lie in the fact that the nonlinear factors significantly amplify the impact of high contract level and high contracting party capability risk on the final contract risk, making the risk assessment results more sensitive to high-risk scenarios. This ensures that high-risk contracts receive stricter contracting process control. The mapping from risk level to contracting method enables automated and differentiated configuration of risk control measures, effectively improving the targeting and efficiency of risk management.

[0040] Furthermore, after the contract is signed (S7), performance data of the contracting parties is collected periodically. Deviations are identified based on the performance data compared to the data stipulated in the contract, resulting in a performance deviation value Q.

[0041]

[0042] in The performance value is obtained by quantifying the performance data of the i-th clause of the contract. It is the agreed value obtained by quantifying the agreed data of the i-th clause of the contract. For the weighting of the terms, This is a risk amplification factor.

[0043] The contract risk value is dynamically adjusted based on the performance deviation value.

[0044]

[0045] in This is the bias sensitivity coefficient.

[0046] After contract signing, a closed-loop performance monitoring system is established. This system regularly collects data on the actual performance of contract terms by the contracting parties, quantitatively compares this data with the agreed-upon values, calculates the relative deviation of each term, and assigns weights and risk amplification coefficients based on the importance and risk level of each term. The final weighted average yields the performance deviation value, which is used to dynamically adjust the previously assessed contract risk value. The adjustment range is controlled by a deviation sensitivity coefficient. Its advantages lie in extending static risk assessment to the contract performance stage, achieving continuous risk monitoring throughout the contract lifecycle. By quantitatively calculating performance deviations and considering term weights and risk amplification, it objectively reflects the actual performance risk. Dynamically adjusting the contract risk value based on performance deviations ensures the real-time nature and accuracy of risk assessment, providing timely and quantitative decision-making basis for potential subsequent risk interventions, thus forming a complete closed-loop contract risk management system.

[0047] The present invention also discloses an online contract generation system, including a template creation module, an information acquisition module, a contract generation module, a level identification module, a capability assessment module, and a risk assessment module;

[0048] The template creation module is used to obtain the text elements set by the user and the position of each text element in the contract page to obtain the contract template, store the configured contract template in the contract library, and generate a contract form containing the set text elements based on the text elements contained in the contract template.

[0049] The information acquisition module is used to acquire the user's business scenario, determine one or more contract templates required based on the business scenario, retrieve the contract form of the corresponding contract template and send it to the user, and obtain the contract form filled out by the user.

[0050] The contract generation module is used to identify whether the text content of each text element in the completed contract form conforms to the specifications. When it conforms to the specifications, the text content is added to the corresponding text element in the contract page to generate an electronic contract.

[0051] The grade identification module is used to identify the contract attributes of this signing based on the electronic contract. The contract attributes include the contract amount, business importance, number of related businesses, compliance sensitivity, and urgency. The contract grade of this signing is determined based on the contract attributes.

[0052] The capability assessment module is used to obtain the historical contract data of the contracting parties. The historical contract data includes the number of historical contracts and the contract execution status. Based on the historical contract data, the module generates the completion rate of the contracting parties for each historical contract and judges the capability risk value of the contracting parties based on the completion rate of each contract level.

[0053] The risk assessment module evaluates the contract risk based on the contract level and the risk value of the contracting party's capabilities, and determines the contract signing method based on the contract risk.

[0054] Furthermore, the rating identification module includes a basic scoring module and a comprehensive scoring module;

[0055] The basic scoring module is used to determine the attribute scores of each contract attribute according to preset scoring rules, including amount score A, business importance score B, number of related businesses score C, compliance sensitivity score D, and urgency score E.

[0056] The comprehensive scoring module calculates a comprehensive score based on factors such as monetary value, business importance, number of related businesses, compliance sensitivity, and urgency.

[0057]

[0058] As weight;

[0059] The overall score is mapped to a preset contract rating range to obtain the contract rating.

[0060] Furthermore, the capability assessment module includes a completion rate assessment module, a decay analysis module, and a capability value assessment module;

[0061] The completion rate assessment module calculates the overall historical completion rate based on the historical signing data of the contracted parties.

[0062]

[0063] Where k represents the contract level k. This indicates the number of k-level contracts signed historically. This represents the number of k-level contracts completed, where n represents the total number of contract levels.

[0064] The attenuation analysis module calculates the completion rate of each contract level historically completed by the contracting party. And calculate the grade decay coefficient of adjacent contract grades for the contracting parties based on the completion rate of each contract grade:

[0065]

[0066] in The level span weight is configurable for k-level contracts; the higher the contract level, the greater the level span weight.

[0067] The capability assessment module calculates the capability risk value of the contracted entity based on its overall completion rate and level decay coefficient.

[0068]

[0069] in The sensitivity coefficient is configurable.

[0070] Furthermore, the risk assessment module includes a risk value assessment module and a contract selection module;

[0071] The risk assessment module generates a contract risk value based on the contract level and the risk assessment capabilities of the contracting party.

[0072]

[0073] Where L represents the contract grade, R represents the risk value of the contracting party's capabilities, α represents the contract grade weight, and β represents the grade non-linearity factor used to amplify the influence of higher grades. This is a non-linear risk factor used to amplify the impact of high-risk signatories;

[0074] The contract signing method selection module maps the contract risk value to a preset risk range to obtain the risk level. Based on the risk level, the signing method is determined. The signing methods corresponding to the risk levels from low to high include fully automatic signing, single-level review signing, two-level review signing, and offline signing.

[0075] Furthermore, it also includes a performance monitoring module, which is used to periodically collect the performance data of the contracting parties after the contract is signed, identify deviations between the performance data and the agreed data in the contract, and obtain a performance deviation value Q.

[0076]

[0077] in The performance value is obtained by quantifying the performance data of the i-th clause of the contract. It is the agreed value obtained by quantifying the agreed data of the i-th clause of the contract. For the weighting of the terms, This is a risk amplification factor.

[0078] The contract risk value is dynamically adjusted based on the performance deviation value.

[0079]

[0080] in This is the bias sensitivity coefficient. Attached Figure Description

[0081] Figure 1 This is a flowchart illustrating an embodiment of an online contract generation method according to the present invention. Detailed Implementation

[0082] The following detailed description illustrates the specific implementation method:

[0083] The basic implementation examples are as follows: Figure 1 As shown:

[0084] A method for generating contracts online includes the following steps:

[0085] S1. Obtain the text elements set by the user and the position of each text element in the contract page to get the contract template. Store the configured contract template in the contract library and generate a contract form containing the set text elements according to the text elements contained in the contract template.

[0086] S2. Obtain the user's business scenario, determine one or more contract templates required based on the business scenario, retrieve the contract form of the corresponding contract template and send it to the user, and obtain the contract form filled out by the user.

[0087] S3. Based on the completed contract form, identify whether the text content of each text element in the contract form conforms to the specifications. If it conforms to the specifications, add the text content to the corresponding text element position configured in the contract page to generate an electronic contract.

[0088] S4. Identify the contract attributes of this signing based on the electronic contract. The contract attributes include the contract amount, business importance, number of related businesses, compliance sensitivity, and urgency. Determine the contract level of this signing based on the contract attributes.

[0089] S5. Obtain the historical contract data of the contracting party, which includes the number of historical contracts and contract execution status. Generate the completion rate of the contracting party for each historical contract based on the historical contract data, and determine the capability risk value of the contracting party based on the completion rate of each contract level.

[0090] S6. Assess the contract risk of this contract based on the contract level and the risk value of the contracting party's capabilities, and determine the contract signing method based on the contract risk.

[0091] By pre-configuring contract templates, users can pre-set the required text elements according to different contract types, such as contract amount, Party A, Party B, and security deposit, and specify the exact position of each text element on the contract. Simultaneously, based on the text elements selected by the user, a corresponding contract form is generated. For example, if the text elements include contract amount, Party A, Party B, and security deposit, a form containing these elements will be generated and stored in conjunction with the contract template. When a new contract needs to be created, the system retrieves the corresponding contract template and contract form based on the user's business scenario, sends the form to the user, and after the user fills out and uploads the form, the system fills in the corresponding positions of each text element in the contract template.

[0092] Then, the attributes of the contract to be signed are identified based on its content, and the importance of the contract is determined based on its attributes. Having identified the contracting party based on the contract content, the capability and risk value of the contracting party are analyzed based on its historical performance. The contract risk of the contract to be signed is determined based on its capability and risk value, and the signing method is determined based on the contract risk.

[0093] Compared to existing technologies, automating the entire process of contract drafting, generation, risk assessment, and signing method decision-making online significantly improves contract processing efficiency and reduces labor costs. At the same time, through dual risk assessment based on the objective attributes of the contract and the historical data of the signatories, appropriate signing processes are dynamically allocated for contracts with different risk levels, effectively controlling signing risks and enhancing the intelligence and security of contract management.

[0094] S4 includes the following steps:

[0095] S41. Determine the attribute scores for each contract attribute according to the preset scoring rules, including A. Amount score, B. Business importance score, C. Number of related businesses score, D. Compliance sensitivity score, and E. Urgency score.

[0096] S42. Calculate the overall score based on the amount score, business importance score, number of related businesses score, compliance sensitivity score, and urgency score:

[0097]

[0098] As weight;

[0099] S43. Map the overall score to the preset contract level rating range to obtain the contract level.

[0100] By using pre-defined rules, key attributes such as contract amount, business importance, number of related businesses, compliance sensitivity, and urgency are transformed into standardized attribute scores. Then, based on the importance of each attribute in risk assessment, different weights are assigned, and a weighted sum is calculated to obtain a comprehensive score. Finally, the comprehensive score is mapped to a pre-defined contract level range to determine the contract level. Its advantages lie in providing an objective and systematic method for contract level assessment, transforming the originally subjective judgment of contract importance into a calculable quantitative indicator, ensuring the accuracy and consistency of the level assessment. The weighted summation method allows for flexible adjustment of the influence of each attribute according to different business needs, making the level assessment more adaptable and configurable, laying a reliable foundation for subsequent risk assessments.

[0101] S5 includes the following steps:

[0102] S51. Calculate the overall historical completion rate based on the historical signing data of the contracting parties:

[0103]

[0104] Where k represents the contract level k. This indicates the number of k-level contracts signed historically. This represents the number of k-level contracts completed, where n represents the total number of contract levels.

[0105] S51. Calculate the completion rate of each contract level historically completed by the contracting party. And calculate the grade decay coefficient of adjacent contract grades for the contracting parties based on the completion rate of each contract grade:

[0106]

[0107] in The level span weight is configurable for k-level contracts; the higher the contract level, the greater the level span weight.

[0108] S52. Calculate the capability risk value of the contracted parties based on their overall completion rate and grade decay coefficient:

[0109]

[0110] in The sensitivity coefficient is configurable.

[0111] The overall completion rate is used to assess the basic capabilities of the contracting parties, while the grade decay coefficient is used to assess their adaptability to high-grade contracts, thus avoiding bias from a single indicator.

[0112] First, the overall historical contract completion rate is calculated to reflect the basic performance capability. Then, the completion rate for each contract level is calculated, paying particular attention to the trend of decreasing completion rate as the contract level increases. A weighted average of the differences in completion rates between adjacent levels is used to obtain a level decay coefficient, quantifying the degree of decline in the ability to execute higher-level contracts. Finally, the overall capability risk value is calculated by combining the overall completion rate and the decay coefficient. Its advantages lie in avoiding the one-sidedness of relying solely on the overall completion rate. By introducing a level decay coefficient, it effectively captures the changes in the capability and potential risks of the contracting entity when executing more challenging contracts. The weighted calculation of the decay coefficient highlights the impact of differences between key levels, and the combination of a configurable sensitivity coefficient makes the capability risk assessment result more comprehensive and accurate in reflecting the actual performance risk tendency of the contracting entity.

[0113] S6 includes the following steps:

[0114] S61. Generate a contract risk value based on the contract level and the risk assessment capabilities of the contracting party:

[0115]

[0116] Where L represents the contract grade, R represents the risk value of the contracting party's capabilities, α represents the contract grade weight, and β represents the grade non-linearity factor used to amplify the influence of higher grades. This is a non-linear risk factor used to amplify the impact of high-risk signatories;

[0117] S62. Map the contract risk value to a preset risk range to obtain the risk level. Determine the signing method based on the risk level. The signing methods corresponding to the risk levels from low to high include fully automatic signing, single-level review signing, two-level review signing, and offline signing.

[0118] This method integrates two key factors—contract level and the risk value of the contracting party's capabilities—to generate the final contract risk value. A weighted nonlinear combination approach is used, assigning different weights to contract level and capability risk value. A nonlinear factor for contract level is introduced to amplify the impact of high contract levels, and a nonlinear factor for risk value is introduced to amplify the impact of high capability risk values. This more significantly distinguishes the risks posed by high-level or high-risk contracting parties. The calculated contract risk value is then mapped to a preset risk range to determine the risk level, and the corresponding contracting method is automatically selected based on the risk level. Its advantages lie in the fact that the nonlinear factors significantly amplify the impact of high contract level and high contracting party capability risk on the final contract risk, making the risk assessment results more sensitive to high-risk scenarios. This ensures that high-risk contracts receive stricter contracting process control. The mapping from risk level to contracting method enables automated and differentiated configuration of risk control measures, effectively improving the targeting and efficiency of risk management.

[0119] S7. After the contract is signed, periodically collect the performance data of the contracting parties, identify deviations between the performance data and the data agreed upon in the contract, and obtain the performance deviation value Q:

[0120]

[0121] in The performance value is obtained by quantifying the performance data of the i-th clause of the contract. It is the agreed value obtained by quantifying the agreed data of the i-th clause of the contract. For the weighting of the terms, This is a risk amplification factor.

[0122] The contract risk value is dynamically adjusted based on the performance deviation value.

[0123]

[0124] in This is the bias sensitivity coefficient.

[0125] After contract signing, a closed-loop performance monitoring system is established. This system regularly collects data on the actual performance of contract terms by the contracting parties, quantitatively compares this data with the agreed-upon values, calculates the relative deviation of each term, and assigns weights and risk amplification coefficients based on the importance and risk level of each term. The final weighted average yields the performance deviation value, which is used to dynamically adjust the previously assessed contract risk value. The adjustment range is controlled by a deviation sensitivity coefficient. Its advantages lie in extending static risk assessment to the contract performance stage, achieving continuous risk monitoring throughout the contract lifecycle. By quantitatively calculating performance deviations and considering term weights and risk amplification, it objectively reflects the actual performance risk. Dynamically adjusting the contract risk value based on performance deviations ensures the real-time nature and accuracy of risk assessment, providing timely and quantitative decision-making basis for potential subsequent risk interventions, thus forming a complete closed-loop contract risk management system.

[0126] The present invention also discloses an online contract generation system, including a template creation module, an information acquisition module, a contract generation module, a level identification module, a capability assessment module, and a risk assessment module;

[0127] The template creation module is used to obtain the text elements set by the user and the position of each text element in the contract page to obtain the contract template, store the configured contract template in the contract library, and generate a contract form containing the set text elements based on the text elements contained in the contract template.

[0128] The information acquisition module is used to acquire the user's business scenario, determine one or more contract templates required based on the business scenario, retrieve the contract form of the corresponding contract template and send it to the user, and obtain the contract form filled out by the user.

[0129] The contract generation module is used to identify whether the text content of each text element in the completed contract form conforms to the specifications. When it conforms to the specifications, the text content is added to the corresponding text element in the contract page to generate an electronic contract.

[0130] The grade identification module is used to identify the contract attributes of this signing based on the electronic contract. The contract attributes include the contract amount, business importance, number of related businesses, compliance sensitivity, and urgency. The contract grade of this signing is determined based on the contract attributes.

[0131] The capability assessment module is used to obtain the historical contract data of the contracting parties. The historical contract data includes the number of historical contracts and the contract execution status. Based on the historical contract data, the module generates the completion rate of the contracting parties for each historical contract and judges the capability risk value of the contracting parties based on the completion rate of each contract level.

[0132] The risk assessment module evaluates the contract risk based on the contract level and the risk value of the contracting party's capabilities, and determines the contract signing method based on the contract risk.

[0133] The grade identification module includes a basic scoring module and a comprehensive scoring module;

[0134] The basic scoring module is used to determine the attribute scores of each contract attribute according to preset scoring rules, including amount score A, business importance score B, number of related businesses score C, compliance sensitivity score D, and urgency score E.

[0135] The comprehensive scoring module calculates a comprehensive score based on factors such as monetary value, business importance, number of related businesses, compliance sensitivity, and urgency.

[0136]

[0137] As weight;

[0138] The overall score is mapped to a preset contract rating range to obtain the contract rating.

[0139] Furthermore, the capability assessment module includes a completion rate assessment module, a decay analysis module, and a capability value assessment module;

[0140] The completion rate assessment module calculates the overall historical completion rate based on the historical signing data of the contracted parties.

[0141]

[0142] Where k represents the contract level k. This indicates the number of k-level contracts signed historically. This represents the number of k-level contracts completed, where n represents the total number of contract levels.

[0143] The attenuation analysis module calculates the completion rate of each contract level historically completed by the contracting party. And calculate the grade decay coefficient of adjacent contract grades for the contracting parties based on the completion rate of each contract grade:

[0144]

[0145] in The level span weight is configurable for k-level contracts; the higher the contract level, the greater the level span weight.

[0146] The capability assessment module calculates the capability risk value of the contracted entity based on its overall completion rate and level decay coefficient.

[0147]

[0148] in The sensitivity coefficient is configurable.

[0149] The risk assessment module includes a risk value assessment module and a contract selection module;

[0150] The risk assessment module generates a contract risk value based on the contract level and the risk assessment capabilities of the contracting party.

[0151]

[0152] Where L represents the contract grade, R represents the risk value of the contracting party's capabilities, α represents the contract grade weight, and β represents the grade non-linearity factor used to amplify the influence of higher grades. This is a non-linear risk factor used to amplify the impact of high-risk signatories;

[0153] The contract signing method selection module maps the contract risk value to a preset risk range to obtain the risk level. Based on the risk level, the signing method is determined. The signing methods corresponding to the risk levels from low to high include fully automatic signing, single-level review signing, two-level review signing, and offline signing.

[0154] It also includes a performance monitoring module, which is used to periodically collect performance data from the contracting parties after the contract is signed, identify deviations between the performance data and the agreed data in the contract, and obtain a performance deviation value Q.

[0155]

[0156] in The performance value is obtained by quantifying the performance data of the i-th clause of the contract. It is the agreed value obtained by quantifying the agreed data of the i-th clause of the contract. For the weighting of the terms, This is a risk amplification factor.

[0157] The contract risk value is dynamically adjusted based on the performance deviation value.

[0158]

[0159] in This is the bias sensitivity coefficient.

[0160] The above are merely embodiments of the present invention. Commonly known structures and characteristics are not described in detail here. Those skilled in the art are aware of all common technical knowledge in the field prior to the application date or priority date, are aware of all existing technologies in that field, and have the ability to apply conventional experimental methods prior to that date. Those skilled in the art can, under the guidance of this application, improve and implement this solution in combination with their own capabilities. Some typical known structures or methods should not be obstacles for those skilled in the art to implement this application. It should be noted that those skilled in the art can make several modifications and improvements without departing from the structure of the present invention. These should also be considered within the scope of protection of the present invention, and will not affect the effectiveness of the implementation of the present invention or the practicality of the patent. The scope of protection claimed in this application should be determined by the content of its claims, and the specific embodiments described in the specification can be used to interpret the content of the claims.

Claims

1. A method for generating contracts online, characterized in that: Includes the following steps: S1. Obtain the text elements set by the user and the position of each text element in the contract page to get the contract template. Store the configured contract template in the contract library and generate a contract form containing the set text elements according to the text elements contained in the contract template. S2. Obtain the user's business scenario, determine one or more contract templates required based on the business scenario, retrieve the contract form of the corresponding contract template and send it to the user, and obtain the contract form filled out by the user. S3. Based on the completed contract form, identify whether the text content of each text element in the contract form conforms to the specifications. If it conforms to the specifications, add the text content to the corresponding text element position configured in the contract page to generate an electronic contract. S4. Identify the contract attributes of this signing based on the electronic contract. The contract attributes include the contract amount, business importance, number of related businesses, compliance sensitivity, and urgency. Determine the contract level of this signing based on the contract attributes. S5. Obtain the historical contract data of the contracting party, which includes the number of historical contracts and contract execution status. Generate the completion rate of the contracting party for each historical contract based on the historical contract data, and determine the capability risk value of the contracting party based on the completion rate of each contract level. S6. Assess the contract risk of this contract based on the contract level and the risk value of the contracting party's capabilities, and determine the contract signing method based on the contract risk; S4 includes the following steps: S41. Determine the attribute scores for each contract attribute according to the preset scoring rules, including A. Amount score, B. Business importance score, C. Number of related businesses score, D. Compliance sensitivity score, and E. Urgency score. S42. Calculate the overall score based on the amount score, business importance score, number of related businesses score, compliance sensitivity score, and urgency score: As weight; S43. Map the overall score to the preset contract grade scoring range to obtain the contract grade; S5 includes the following steps: S51. Calculate the overall historical completion rate based on the historical signing data of the contracting parties: Where k represents the contract level k. This indicates the number of k-level contracts signed historically. This represents the number of k-level contracts completed, where n represents the total number of contract levels. S51. Calculate the completion rate of each contract level historically completed by the contracting party. And calculate the grade decay coefficient of adjacent contract grades for the contracting parties based on the completion rate of each contract grade: in The level span weight is configurable for k-level contracts; the higher the contract level, the greater the level span weight. S52. Calculate the capability risk value of the contracted parties based on their overall completion rate and grade decay coefficient: in The sensitivity coefficient is configurable.

2. The online contract generation method according to claim 1, characterized in that: S6 includes the following steps: S61. Generate a contract risk value based on the contract level and the risk assessment capabilities of the contracting party: Where L represents the contract grade, R represents the risk value of the contracting party's capabilities, α represents the contract grade weight, and β represents the grade non-linearity factor used to amplify the influence of higher grades. This is a non-linear risk factor used to amplify the impact of high-risk signatories; S62. Map the contract risk value to a preset risk range to obtain the risk level. Determine the signing method based on the risk level. The signing methods corresponding to the risk levels from low to high include fully automatic signing, single-level review signing, two-level review signing, and offline signing.

3. The online contract generation method according to claim 1, characterized in that: It also includes the following steps: S7. After the contract is signed, periodically collect the performance data of the contracting parties, identify deviations between the performance data and the data agreed upon in the contract, and obtain the performance deviation value Q: in The performance value is obtained by quantifying the performance data of the i-th clause of the contract. It is the agreed value obtained by quantifying the agreed data of the i-th clause of the contract. For the weighting of the terms, This is a risk amplification factor. The contract risk value is dynamically adjusted based on the performance deviation value. in This is the bias sensitivity coefficient.

4. An online contract generation system, characterized in that: It includes a template creation module, an information acquisition module, a contract generation module, a level identification module, a capability assessment module, and a risk assessment module; The template creation module is used to obtain the text elements set by the user and the position of each text element in the contract page to obtain the contract template, store the configured contract template in the contract library, and generate a contract form containing the set text elements based on the text elements contained in the contract template. The information acquisition module is used to acquire the user's business scenario, determine one or more contract templates required based on the business scenario, retrieve the contract form of the corresponding contract template and send it to the user, and obtain the contract form filled out by the user. The contract generation module is used to identify whether the text content of each text element in the completed contract form conforms to the specifications. When it conforms to the specifications, the text content is added to the corresponding text element in the contract page to generate an electronic contract. The grade identification module is used to identify the contract attributes of this signing based on the electronic contract. The contract attributes include the contract amount, business importance, number of related businesses, compliance sensitivity, and urgency. The contract grade of this signing is determined based on the contract attributes. The capability assessment module is used to obtain the historical contract data of the contracting parties. The historical contract data includes the number of historical contracts and the contract execution status. Based on the historical contract data, the module generates the completion rate of the contracting parties for each historical contract and judges the capability risk value of the contracting parties based on the completion rate of each contract level. The risk assessment module evaluates the contract risk based on the contract level and the risk value of the contracting party's capabilities, and determines the contract signing method based on the contract risk. The grade identification module includes a basic scoring module and a comprehensive scoring module; The basic scoring module is used to determine the attribute scores of each contract attribute according to preset scoring rules, including amount score A, business importance score B, number of related businesses score C, compliance sensitivity score D, and urgency score E. The comprehensive scoring module calculates a comprehensive score based on factors such as monetary value, business importance, number of related businesses, compliance sensitivity, and urgency. As weight; The overall score is mapped to a preset contract rating range to obtain the contract rating; The capability assessment module includes a completion rate assessment module, a decay analysis module, and a capability value assessment module. The completion rate assessment module calculates the overall historical completion rate based on the historical signing data of the contracted parties. Where k represents the contract level k. This indicates the number of k-level contracts signed historically. This represents the number of k-level contracts completed, where n represents the total number of contract levels. The attenuation analysis module calculates the completion rate of each contract level historically completed by the contracting party. And calculate the grade decay coefficient of adjacent contract grades for the contracting parties based on the completion rate of each contract grade: in The level span weight is configurable for k-level contracts; the higher the contract level, the greater the level span weight. The capability assessment module calculates the capability risk value of the contracted entity based on its overall completion rate and level decay coefficient. in The sensitivity coefficient is configurable.

5. The online contract generation system according to claim 4, characterized in that: The risk assessment module includes a risk value assessment module and a contract selection module; The risk assessment module generates a contract risk value based on the contract level and the risk assessment capabilities of the contracting party. Where L represents the contract grade, R represents the risk value of the contracting party's capabilities, α represents the contract grade weight, and β represents the grade non-linearity factor used to amplify the influence of higher grades. This is a non-linear risk factor used to amplify the impact of high-risk signatories; The contract signing method selection module maps the contract risk value to a preset risk range to obtain the risk level. Based on the risk level, the signing method is determined. The signing methods corresponding to the risk levels from low to high include fully automatic signing, single-level review signing, two-level review signing, and offline signing.

6. The online contract generation system according to claim 4, characterized in that: It also includes a performance monitoring module, which is used to periodically collect performance data from the contracting parties after the contract is signed, identify deviations between the performance data and the agreed data in the contract, and obtain a performance deviation value Q. in The performance value is obtained by quantifying the performance data of the i-th clause of the contract. It is the agreed value obtained by quantifying the agreed data of the i-th clause of the contract. For the weighting of the terms, This is a risk amplification factor. The contract risk value is dynamically adjusted based on the performance deviation value. in This is the bias sensitivity coefficient.

Images