CN106372798B - A kind of customized contract generation method of user based on risk and system - Google Patents
A kind of customized contract generation method of user based on risk and system Download PDFInfo
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- CN106372798B CN106372798B CN201610792468.8A CN201610792468A CN106372798B CN 106372798 B CN106372798 B CN 106372798B CN 201610792468 A CN201610792468 A CN 201610792468A CN 106372798 B CN106372798 B CN 106372798B
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q10/00—Administration; Management
- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
- G06Q10/063—Operations research, analysis or management
- G06Q10/0635—Risk analysis of enterprise or organisation activities
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
- G06Q50/10—Services
- G06Q50/18—Legal services; Handling legal documents
Abstract
The embodiment of the invention discloses a kind of customized contract generation method of user based on risk and systems, belong to field of computer technology.Method is the following steps are included: obtain contract type；According to the incidence relation of clause and contract type each in clause library, the clause set to match with contract type is obtained；According to the incidence relation of each guiding problem and contract type in guiding library, the guiding problem set to match with contract type is obtained；Based on contract the incidence relation between type, risk classifications and risk information three, obtains the risk classifications to match with contract type and risk information；Guiding problem set is updated according to risk classifications and risk information；Obtain the selection result to updated guiding problem set；Clause set is filtered according to selection result, generates blank form contract.The present invention realizes that the user without knowledge of specialty law drafts out the contract that can protect the equity of party to greatest extent with extremely low cost, convenient and fast operating method.
Description
Technical field
The present invention relates to field of computer technology more particularly to a kind of customized contract generation sides of user based on risk
Method and system.
Background technique
Contract is a kind of protocol type that enterprise operation needs to be commonly used in the process, when dispute occurs for agreement both sides,
Contract is the important evidence for protecting party's legitimate rights and interests.
In the implementation of the present invention, at least there are the following problems for inventor's discovery: for vast medium and small micro- enterprise, by
In the legal knowledge for lacking enough legal consciousnesses, profession or the limitation for being limited to fund, cost etc., often without special
The figure in the law circle of industry provides contract and writes and contract audit service.When needing to draw up a contract, these medium and small micro- enterprises are most often adopted
The method taken is the contract of correlation type to be downloaded from network, and use after the modification, does not know contract terms many times
Meaning where, it is even more impossible in such clear contract be easy outburst problem generate dispute provision content, thus, it is this to draft conjunction
Same way can not play the effect signed a contract conscientiously, protect the legitimate rights and interests of party.
In the today's society of computer high development, therefore, computer network and database how are utilized, it is intelligent
The user of unprofessional legal knowledge is guided to draft out a legitimate rights and interests that can protect party to greatest extent
Contract becomes a technical problem urgently to be resolved.
Summary of the invention
Present invention utilizes computer network, database and information retrieval and matching techniques, based on true law text
Data acquisition contract in stack room is easy to produce the risk classifications and risk information of dispute, and guides use in a manner of guide problem
Risk of selection lower contract terms in family enable to the user of unprofessional legal knowledge with extremely low cost, extremely convenient
Operating method draft out the contracts of a legitimate rights and interests that can protect party to greatest extent.
In order to achieve the above-mentioned object of the invention, according to an aspect of an embodiment of the present invention, it provides a kind of based on risk
The customized contract generation method of user.The following steps are included:
Step S11 obtains contract type；
Step S12 is obtained and the contract type phase according to the incidence relation of clause and contract type each in clause library
Matched clause set；
Step S13 is obtained and the contract class according to the incidence relation of each guiding problem and contract type in guiding library
The guiding problem set that type matches；
Step S14, the based on contract incidence relation between type, risk classifications and risk information three, obtain with it is described
The risk classifications and risk information that contract type matches；
Step S15 updates the guiding problem set according to the risk classifications and risk information；
Step S16 obtains the selection result to updated guiding problem set；
Step S17 is filtered the clause set according to the selection result, generates blank form contract.
Further, the method, wherein include generating contract type, risk classifications and wind before the step S14
The step of incidence relation between dangerous information three, which specifically includes:
Step S21, matching and the associated legal documents of a certain contract type, obtain and the contract class in legal documents library
The associated legal documents set of type；
Step S22 carries out sentence fractionation to each legal documents in the legal documents set according to rule is split, obtains
To sentence set；
Step S23 carries out keyword to each sentence in sentence set according to risk keywords database and matching rule
Match, so that each sentence obtains corresponding risk crucial phrase；
Step S24 calculates the sentence with risk crucial phrase according to preset keyword weight, so that often
A sentence obtains corresponding unit weights；
Unit weights are compared by step S25 with weight threshold, if the unit weights of sentence are more than weight threshold,
Determine that the sentence hits a risk information；
Step S26 belongs to according to risk information and determines that keywords database determines risk classifications belonging to the risk information；
Step S27, corresponding at least one risk of the risk classifications and risk classifications for counting all under current contract type
Information generates the incidence relation between contract type, risk classifications and risk information three.
Further, the method, wherein the step S15 is according to the risk classifications and risk information update
Guiding problem set includes:
Step S151 judges clause collection based on risk classifications and risk information associated by each clause in clause set
In conjunction with the presence or absence of with guiding problem onrelevant but with risk classifications and the related clause of risk information；
Step S152, and if it exists, guiding problem is then generated based on risk information associated by the clause, and is updated to described
Guiding problem set.
Further, the method, wherein include the steps that obsolescence clause library before the step S12, it is specific to wrap
It includes:
Step S31 obtains all clauses relevant to certain contract type from clause library, obtains the item of the contract type
Money set；
Step S32 extracts all wind under risk classifications corresponding to the clause according to the associated risk classifications of clause
Dangerous information；
Step S33, the text similarity by calculating each clause and risk information judge to whether there is in clause set
With the risk information of clause onrelevant, and if it exists, then generate warning message, and generate new clause based on the risk information, more
Newly into clause set.
Further, the method further includes step S18 after step S17, obtains the operation to blank form contract, base
Final contract is generated in the operation.
The another aspect of embodiment according to the present invention also provides a kind of customized contract generation of the user based on risk
System, which includes: that contract type obtains module, for obtaining contract type；Clause matching module, for according to clause library
In each clause and contract type incidence relation, obtain the clause set to match with the contract type；Guiding problem
It is obtained and the contract type phase with module for the incidence relation according to each guiding problem and contract type in guiding library
Matched guiding problem set；Risk matching module, between based on contract type, risk classifications and risk information three
Incidence relation obtains the risk classifications to match with the contract type and risk information；Guiding problem update module is used for root
The guiding problem set is updated according to the risk classifications and risk information；Selection result obtains module, for obtaining to update
The selection result of guiding problem set afterwards；Blank form contract generation module is used for according to the selection result to the clause collection
Conjunction is filtered, and generates blank form contract.
Further, the system further includes the incidence relation generation module connecting with the risk matching module, is used for
Generate the incidence relation between contract type, risk classifications and risk information three；
The incidence relation generation module includes: legal documents matching unit, for the matching in legal documents library and certain
The associated legal documents of one contract type obtain and the associated legal documents set of the contract type；Sentence split cells, is used for
Sentence fractionation is carried out to each legal documents in the legal documents set according to rule is split, obtains sentence set；It is crucial
Word matching unit, for carrying out keyword to each sentence in sentence set according to risk keywords database and matching rule
Match, so that each sentence obtains corresponding risk crucial phrase；Weight calculation unit is used for according to preset keyword weight,
Sentence with risk crucial phrase is calculated, so that each sentence obtains corresponding unit weights；Risk information determines
Unit, if the unit weights of sentence are more than weight threshold, determines the language for being compared unit weights with weight threshold
Sentence one risk information of hit；Risk classifications determination unit determines described in keywords database judgement for being belonged to according to risk information
Risk classifications belonging to risk information；Incidence relation generation unit, for counting risk classifications all under current contract type
And corresponding at least one risk information of risk classifications, generate the pass between contract type, risk classifications and risk information three
Connection relationship.
Further, the system, the guiding problem update module includes: judging unit, for being based on clause set
In risk classifications and risk information associated by each clause, judge in clause set with the presence or absence of with guiding problem onrelevant and
With risk classifications and the related clause of risk information, more new command then is sent to updating unit if it exists；Updating unit is used for
After receiving more new command, guiding problem is generated based on risk information associated by the clause, and update to the guiding and ask
Topic set.
Further, the system further includes clause library update module, which includes: clause set acquiring unit, is used
In obtaining all clauses relevant to certain contract type from clause library, the clause set of the contract type is obtained；Risk letter
Extraction unit is ceased, for extracting all risks under risk classifications corresponding to the clause according to the associated risk classifications of clause
Information；Clause set updating unit judges clause set for the text similarity by calculating each clause and risk information
In with the presence or absence of risk information with clause onrelevant, and if it exists, then generate warning message, and generated based on the risk information new
Clause, update into clause set.
Further, the system, wherein further include final contract generation unit, for obtaining to the blank form contract
Operation, based on the final contract of operation generation.
The customized contract generation method of user provided in an embodiment of the present invention based on risk, the true law of one side
Data acquisition contract in document library is easy to produce the risk classifications and risk information of dispute, and based on risk information to obtaining
Contract terms are updated, to obtain the contract of a co-related risks information；On the other hand, according to party's essential information and
Risk information existing for contract generates guide problem associated by the contract, selects the filtering associated item of such contract based on user
Money library generates the specific contract that portion meets user's actual conditions.And it is accused during user's operation specific contract
Know risk information associated by each clause in user's contract so that the user of unprofessional legal knowledge with
Extremely low cost, extremely convenient and fast operating method draft out the conjunction of a legitimate rights and interests that can protect party to greatest extent
Together.
Detailed description of the invention
Fig. 1 is that the present invention is based on the processes that the first embodiment of the customized contract generation method of the user of risk provides
Figure；
Fig. 2 is that the present invention is based on the processes that the second embodiment of the customized contract generation method of the user of risk provides
Figure；
Fig. 3 is that the present invention is based on the implementations that the second embodiment of the customized contract generation method of the user of risk provides
Cheng Tu；
Fig. 4 is the module pass that the first embodiment for generating system the present invention is based on the customized contract of the user of risk provides
It is schematic diagram；
Fig. 5 is the module pass that the second embodiment for generating system the present invention is based on the customized contract of the user of risk provides
It is schematic diagram；
Fig. 6 is the module relationship schematic diagram of guiding problem update module；
Fig. 7 is the module relationship schematic diagram of clause library update module.
Specific embodiment
In order to make the objectives, technical solutions and advantages of the present invention clearer, With reference to embodiment and join
According to attached drawing, the present invention is described in more detail.It should be understood that these descriptions are merely illustrative, and it is not intended to limit this hair
Bright range.In addition, in the following description, descriptions of well-known structures and technologies are omitted, to avoid this is unnecessarily obscured
The concept of invention.
Fig. 1 is that the present invention is based on the processes that the first embodiment of the customized contract generation method of the user of risk provides
Figure.
As shown in Figure 1, the customized contract generation method of user based on risk includes the following steps S11-S17.
Step S11 obtains contract type.
User is by client or is presented on the contract type of input on the website of browser/select it to be drafted, and will
Contract type is sent to server, so that server obtains contract type.Contract type CT={ CT1, CT2... CTm；m≥
It 0 } include m kind contract type.Existing contract type division methods are not unique, therefore the quantity of m can be to meet practical feelings
The arbitrary value of condition.Preferably, the quantity m of contract type can be set to 15, that is, include 15 class contract type.It is respectively: dealing
Contract, contract for supply of power, water, gas or heat, the contract of gift, loan contract, the contract of lease of property, contracts for financial lease, the contract of work,
Contract for construction project, contract of transportation, technology contract, deposit contract, warehousing contract, the contract of authorization, contract of commission agency, contract of brokerage.
Step S12 is obtained and contract type phase according to the incidence relation of clause and contract type each in clause library 10
The clause set matched.
Clause library 10Trem={ T1, T2... Tn；N >=0 } in include n clauses.Each clause is all wait be loaded into wait draft
Contract in articles of law.In the database of server, clause library 10Trem exists in the form of tables of data, clause library
In 10Trem, every clause has the fields such as numbering of clause, clause detailed content, clause attaching relation.Referring to the following table 1:
Table 1
Each clause and contract type have incidence relation in clause library 10, i.e., each clause has its corresponding contract class
Type also has its associated clause character library under each contract type, and this incidence relation is that database writer is writing library
When it is preset, can also be updated with the extension of data.Referring to the following table 2:
| Numbering of clause | Contract type |
| T1 | CT1 |
| T2 | CT2 |
| … | … |
| Tn | CTm |
Table 2
After obtaining contract type, according to the incidence relation of clause and contract type each in clause library 10, it can pass through
The mode of Data Matching obtain it is associated with contract type thus clause.It should be noted that the pass of clause and contract type
Connection relationship is not that only one-to-one corresponding relationship, i.e. a contract type may be associated with multiple clauses.Therefore, acquisition
Clause associated with contract type has a plurality of, formation clause set.
Step S13 is obtained and contract type according to the incidence relation of each guiding problem and contract type in guiding library 20
The guiding problem set to match.
It is oriented to library 20Question={ Q1, Q2... Qy；Y >=0 } in include y guiding problem.In the database of server
In, guiding library 20Question exists in the form of tables of data, is oriented in the 20Question of library, and each guiding problem has guiding
The fields such as question number, guiding problem detailed content.Referring to the following table 3:
Table 3
Being oriented to each guiding problem and contract type in library 20 has incidence relation, i.e., each guiding problem has its correspondence
Contract type, this incidence relation is that database writer is preset when writing library, can also be with the expansion of data
Exhibition is updated.Referring to the following table 4:
| It is oriented to question number | Contract type |
| Q1 | CT1 |
| Q2 | CT2 |
| … | … |
| Qy | CTm |
Table 4
It, can according to the incidence relation of each guiding problem and contract type in guiding library 20 after obtaining contract type
Guiding problem associated with contract type is obtained by way of Data Matching.It should be noted that guiding problem and contract class
The incidence relation of type is not that only one-to-one corresponding relationship, i.e. a guiding problem may be associated with multiple contract type,
Or a contract type may be associated with multiple guiding problems.Therefore, the guiding problem meeting associated with contract type of acquisition
There is a plurality of, formation guiding problem set.
Step S14, the based on contract incidence relation between type, risk classifications and risk information three obtain and contract
The risk classifications and risk information that type matches.
Risk classifications RT={ RT1, RT2... RTx；X >=0 } it include x kind risk classifications.Risk classifications division methods are not only
One, therefore the quantity of x can be the arbitrary value to tally with the actual situation.Preferably, the quantity x of risk classifications can be set to 3, i.e.,
Including without agreement risk, the unknown risk of agreement, default risk.Wherein, no agreement risk refers to countless face agreements in contract terms
The legal risk that contract performance and contract dispute may cause；Arrange unknown risk and refers to agreement due to contract terms
Its meaning can not be specified or there are ambiguities or agreement not may cause to contract performance and contract dispute uniquely etc.
Legal risk；Default risk refers to that contracting parties do not perform someone's duty under the contract and cause the law wind of contract dispute according to agreement
Danger.
Risk information is the sentence that unit weights are more than weight threshold in legal documents.
Presetting between contract type, risk classifications and risk information three is relevant, i.e., each contract class
Type has its corresponding risk classifications, and each risk classifications have its corresponding risk information, and this incidence relation is database
Writer is preset when writing library, can also be updated with the extension of data.Referring to the following table 5:
| Contract type | Risk classifications | Risk information |
| CT1 | {RT1, RT2... RTxIn it is one or more | |
| CT2 | {RT1, RT2... RTxIn it is one or more | |
| … | … | |
| CTm | {RT1, RT2... RTxIn it is one or more |
Table 5
After obtaining contract type, the based on contract incidence relation between type, risk classifications and risk information three, energy
It is enough that risk classifications associated with contract type and risk information are obtained by matched mode of tabling look-up.It should be noted that guiding
The incidence relation of problem and contract type is not that only one-to-one corresponding relationship, i.e. a contract type may be associated with more
A risk classifications.Therefore, the risk classifications associated with contract type of acquisition may at least one.
Step S15 updates guiding problem set according to risk classifications and risk information.
Step S16 obtains the selection result to updated guiding problem set.
User is by client or is presented on selection of the input to updated guiding problem set on the website of browser
As a result, and selection result is sent to server so that server obtain selection result.
Step S17 is filtered clause set according to selection result, generates blank form contract.
Filtering refers to that clause unrelated with selection result in deleted clause set, remaining clause are in blank form contract
The clause for being included.
So-called blank form contract is referred to clause, but the key message being related in clause is blank, needs to fill in pass
The contract of key information.Wherein, key message refers to quantity, the amount of money, time involved in the main body for showing to sign a contract, clause etc.
Information.
For example, stock right transfer blank form contract, comprising following clause, " Party A agrees to that _ _ _ _ _ register of company money will be occupied
The equity (conjunction _ _ _ _ _ stock) of sheet _ _ _ _ % transfers Party B, and Party B agrees to assign."
Fig. 2 is that the present invention is based on the processes that the second embodiment of the customized contract generation method of the user of risk provides
Figure；Fig. 3 is that the present invention is based on the implementation process figures that the second embodiment of the customized contract generation method of the user of risk provides.
As shown in Fig. 2, present embodiment includes generation contract before step S14 on the basis of first embodiment
The step of incidence relation between type, risk classifications and risk information three, specifically include following steps S21-S27:
Step S21, matching and the associated legal documents of a certain contract type, obtain and the contract in legal documents library 30
The legal documents set of type association.Specifically include following steps S211-S212.
Step S211 carries out feature extraction to each legal documents, obtains document corresponding with each legal documents and pluck
It wants；Wherein, document abstract includes: Reference Number, case type and law court's title；
Step S212, matching and the associated document of a certain contract type in the document abstract total collection in legal documents library 30
Abstract obtains gathering with the associated document abstract of the contract type.Document abstract further include: dispute main body, evidence inventory, law
It is demand, trial result, one or more in acceptance fee ratio.
Step S22 carries out sentence fractionation to each legal documents in legal documents set according to rule is split, obtains language
Sentence set.One legal documents correspondence obtains a sentence set.
Splitting rule is the agreement that the used separator of sentence set is split into legal documents content of text.Specific packet
It includes: one legal documents being split as multiple big sentences using fullstop as separator；It and/or using comma or branch is separator by one
A legal documents are split as multiple small sentences.
Step S23 carries out keyword to the sentence in each sentence set according to risk keywords database 40 and matching rule
Matching, so that each sentence obtains corresponding risk crucial phrase.
If matching rule includes: that at least one risk in keyword and risk keywords database 40 in keyword set is closed
Keyword is completely the same, then determines that the sentence hits a risk keyword.
Step S24 calculates the sentence with risk crucial phrase according to preset keyword weight, so that often
A sentence obtains corresponding unit weights.
Unit weights are compared by step S25 with weight threshold, if the unit weights of a certain sentence are more than weight threshold
Value then determines that the sentence hits a risk information.
Step S26 belongs to according to risk information and determines that keywords database 50 determines risk classifications belonging to risk information.
Risk information ownership determines that keywords database 50 is pre-set dictionary, and risk information ownership is stored in the dictionary
Determine keyword.For example, if in certain risk information containing no written agreement, without agreement, verbal contract at least one of
Keyword, then the risk classifications of this risk information are judged as " no agreement risk ".
Step S27, corresponding at least one risk of the risk classifications and risk classifications for counting all under current contract type
Information generates the incidence relation between contract type, risk classifications and risk information three.
Risk classifications and risk information are illustrated with the specific example of the fractionation to legal documents 1, legal documents 2 below
Determination process.
Legal documents 1: content of text " " Chinese people's contract and general rule of the civil law " the 135th article of regulation, Xiang Renmin
It is 2 years during the statute of limitation that law court is claimed civil right, except otherwise stipulated by law；The method the 136th
Item regulation, postpone payment or the statute of limitation of rent strike during for 1 year, the payment dispute of this case system rent is during statute of limitation
1 year."
Contract type: house lease class.The risk keywords database 40 of the contract type include: dispute, focus, lawsuit, when
Whether effect, postpones payment, refuses to pay, and pays, and refuses, and payment, rent is written, and oral, contract has, and has, qualification, or not refuse, give, and pays,
Money } etc. phrases.
Split process is as follows:
The legal documents are split as following 7 sentences for separator according to comma or branch by 1.
Sentence 1, " Chinese people's contract and general rule of the civil law " the 135th article of regulation,
Sentence 2 is 2 years during the statute of limitation of civil right is claimed to people's court,
Sentence 3, except otherwise stipulated by law；
Sentence 4, the 136th article of method regulation,
Sentence 5, postpone payment or the statute of limitation of rent strike during for 1 year,
Sentence 6, the payment dispute of this case system rent,
Sentence 7 is 1 year during statute of limitation.
2 carry out keyword according to risk keywords database 40 and matching rule, to each sentence in above 7 sentences
Match, so that each sentence obtains corresponding risk crucial phrase.
Sentence 1, " " Chinese people's contract and general rule of the civil law " the 135th article of regulation "；It is not matched to risk key
Keyword in dictionary 40；
" civil right is claimed to people's court in sentence 2Lawsuit TimelinessPeriod is 2 years "；It is matched to risk pass
2 keywords in keyword library 40:Lawsuit Timeliness；
Sentence 3, " except otherwise stipulated by law "；The keyword being not matched in risk keywords database 40；
Sentence 4, " the 136th article of method regulation "；The keyword being not matched in risk keywords database 40；
Sentence 5, "It postpones paymentOrIt refuses to pay Rent'sLawsuit TimelinessPeriod is 1 year "；It is matched in risk keywords database 40
5 keywords:It postpones payment It refuses to pay Rent Lawsuit Timeliness；
Sentence 6, " this case systemRent Payment Dispute"；3 keywords being matched in risk keywords database 40:Rent Payment Dispute；
Sentence 7, "Lawsuit TimelinessPeriod is 1 year ".2 keywords being matched in risk keywords database 40:Lawsuit When Effect。
3, according to preset keyword weight, the sentence with risk crucial phrase is calculated, so that each sentence
Obtain corresponding unit weights.
Preset keyword weight are as follows: the weight of two-character word is 0.5, and the weight of monosyllabic word is 0.25；
The sentence of the above risky crucial phrase are as follows: sentence 2, sentence 5, sentence 6, sentence 7.
Sentence 2 is matched to 2 keywords, therefore the unit weights of sentence 2 are 1；
Sentence 5 is matched to 5 keywords, therefore the unit weights of sentence 5 are 2.5；
Sentence 6 is matched to 3 keywords, therefore the unit weights of sentence 6 are 1.5；
Sentence 7 is matched to 2 keywords, therefore the unit weights of sentence 7 are 1, due to the keyword and sentence 1 being matched to
The keyword being matched to is identical, and covering updates sentence 2.
4 are compared unit weights with weight threshold, if the unit weights of a certain sentence are more than weight threshold, determine
The sentence is risk information.
Setting using minimum keyword for weight threshold W can form risk key message as principle, set weight threshold W herein
It is 0.5.
It can to sum up obtain, the total weight of the unit of legal documents 1 is 1+2.5+1.5=5.Associated risk crucial phrase packet
It includes: { rent strike statute of limitation of postponing payment dispute }；Associated risk information are as follows: postpone payment or the lawsuit of rent strike
It is 1 year during timeliness, the payment of this case system rent is disputed on, and is 1 year during statute of limitation；Associated risk classifications are as follows: promise breaking
Risk.
Legal documents 2: " certain * * * thinks that expert's conclusion book is the identification report provided with the name of appraisal organization to content of text
It accuses, it can not be using the opinion of some appraiser as foundation.It is building plus layer that this case, which is related to central issue, makes identification report
The appraisal organization of announcement should have the assessment qualification of project cost, and the center * * * does not have this qualification ".
Contract type: house lease class.The risk keywords database 40 of the contract type include: dispute, focus, lawsuit, when
Whether effect, postpones payment, refuses to pay, and pays, and refuses, and payment, rent is written, and oral, contract has, and has, qualification, or not refuse, give, and pays,
Money } etc. phrases.
Split process is as follows:
The legal documents are split as following 5 sentences for separator according to comma or branch by 1.
Sentence 1, certain * * * think that expert's conclusion book is the probation report provided with the name of appraisal organization；
Sentence 2, can not be using the opinion of some appraiser as foundation；
Sentence 3, it is building plus layer that this case, which is related to central issue,；
Sentence 4, the appraisal organization for making probation report should have the assessment qualification of project cost,
Sentence 5, and the center * * * does not have this qualification.
2 carry out keyword according to risk keywords database 40 and matching rule, to each sentence in above 5 sentences
Match, so that each sentence obtains corresponding risk crucial phrase.
Sentence 1, " certain * * * thinks that expert's conclusion book is the probation report provided with the name of appraisal organization "；Do not match
To the keyword in risk keywords database 40；
Sentence 2, " can not be using the opinion of some appraiser as foundation "；It is not matched in risk keywords database 40
Keyword；
Sentence 3, " this case is related toDispute FocusIt is building plus layer "；2 keys being matched in risk keywords database 40
Word:Dispute Focus。
Sentence 4, " appraisal organization for making probation report shouldHaveThe assessment of project costQualification"；It is matched to risk pass
2 keywords in keyword library 40:Has qualification；
Sentence 5, " and the center * * *No HaveThisQualification"；2 keywords being matched in risk keywords database 40:No Have Qualification。
3, according to preset keyword weight, the sentence with risk crucial phrase is calculated, so that each sentence
Obtain corresponding unit weights.
Preset keyword weight are as follows: the weight of two-character word is 0.5, and the weight of monosyllabic word is 0.25；
The sentence of the above risky crucial phrase are as follows: sentence 3, sentence 4, sentence 5.
Sentence 3 is matched to 2 keywords, therefore the unit weights of sentence 2 are 1；
Sentence 4 is matched to 2 keywords, therefore the unit weights of sentence 4 are 1；
Sentence 5 is matched to 3 keywords, therefore the unit weights of sentence 5 are 1.25；
4 are compared unit weights with weight threshold, if the unit weights of a certain sentence are more than weight threshold, determine
The sentence is risk information.
Setting using minimum keyword for weight threshold W can form risk key message as principle, set weight threshold W herein
It is 0.5.
It can to sum up obtain, the total weight of the unit of legal documents 1 is 1+1+1.25=3.25.Associated risk crucial phrase packet
It includes: { central issue has qualification without qualification }；Associated risk information are as follows: this case, which is related to central issue, to be building, add
Layer, the appraisal organization for making probation report should have the assessment qualification of project cost, and the center * * * does not have this qualification；Its
Associated risk classifications are as follows: arrange unknown risk.
In the another embodiment of the method for the present invention, on the basis of above-mentioned second embodiment, in step S14
Later, further includes: the based on contract incidence relation between type, high frequency risk classifications and high frequency risk information three, obtain with
The high frequency risk classifications and high frequency risk information that contract type matches.
Wherein, the incidence relation between contract type, high frequency risk classifications and high frequency risk information three is pre-generated
And it is stored in the database of server.Association between contract type, high frequency risk classifications and high frequency risk information three is closed
The generating process of system specifically includes following steps S28-S29:
Step S28 calculates the quantity of risk classifications all under a certain contract type, if the quantity of a certain risk classifications arrives
Up to high frequency threshold value, then determine the risk classifications for high frequency risk classifications；
Step S29 counts all high frequency risk classifications of current contract type, generates current contract type and high frequency wind
The incidence relation of dangerous type.
In the another embodiment of the method for the present invention, step S15 updates guiding according to risk classifications and risk information
Problem set includes:
Step S151 judges clause collection based on risk classifications and risk information associated by each clause in clause set
In conjunction with the presence or absence of with guiding problem onrelevant but with risk classifications and the related clause of risk information；
Step S152, and if it exists, guiding problem is then generated based on risk information associated by the clause, and is updated to guiding
Problem set.
In another embodiment of the present invention, obsolescence clause library 10 is included the steps that before step S12, it is specific to wrap
It includes:
Step S31 obtains all clauses relevant to certain contract type corresponding to the clause from clause library 10
Attribute obtains the corresponding set of clause attribute；
Step S32 extracts all wind under risk classifications corresponding to the clause according to the associated risk classifications of clause
Dangerous information；
Step S33, the text similarity by calculating each clause and risk information judge to whether there is in clause set
With the risk information of clause onrelevant, and if it exists, then generate warning message, and generate new clause based on the risk information, more
Newly into clause set.Specifically, if the Text similarity computing result of clause and risk information reaches preset similarity threshold
Value, then it is assumed that clause is related to risk information, is then uncorrelated otherwise.
In another embodiment of the present invention, wherein further include step S18 after step S17, obtain and closed to blank
Same operation generates final contract based on operation.
User, which passes through client or is presented on the website of browser, carries out the blank form contract presented in the display interface
Operation (operation includes the key message in contract of filling in), operating result is sent out in client or the website for being presented on browser
It send to server, so that server obtains operating result, server is raw based on operating result after obtaining operating result
At final contract.
Fig. 4 is the module pass that the first embodiment for generating system the present invention is based on the customized contract of the user of risk provides
It is schematic diagram.
As shown in figure 4, a kind of customized contract of user based on risk generates system, which includes: contract type
Module 100, clause matching module 200, guiding problem matching module 300, risk matching module 400, guiding problem is obtained to update
Module 500, selection result obtain module 600 and blank form contract generation module 700.
Contract type obtains module 100, for obtaining contract type.User passes through client or the net for being presented on browser
The contract type for input on standing/select it to be drafted, and contract type is sent to server, it is closed so that server obtains
Same type.Contract type CT={ CT1, CT2... CTm；M >=0 } it include m kind contract type.Existing contract type division methods
It is not unique, therefore the quantity of m can be the arbitrary value to tally with the actual situation.Preferably, the quantity m of contract type can be set
It is 15, that is, includes 15 class contract type.Be respectively: deal contract, contract for supply of power, water, gas or heat, the contract of gift are borrowed money and are closed
Together, the contract of lease of property, contracts for financial lease, the contract of work, contract for construction project, contract of transportation, technology contract, deposit contract, storehouse
Storage contract, the contract of authorization, contract of commission agency, contract of brokerage.
Clause matching module 200, for the incidence relation according to clause and contract type each in clause library 10, obtain with
The clause set that contract type matches.Clause library 10Trem={ T1, T2... Tn；N >=0 } in include n clauses.Each clause
It is all the articles of law wait be loaded into contract to be drafted.In the database of server, clause library 10Trem is with tables of data
For form there are in the 10Trem of clause library, every clause has the fields such as numbering of clause, clause detailed content, clause attaching relation.
Referring to table 1.Each clause and contract type have incidence relation in clause library 10, i.e., each clause has its corresponding contract class
Type also has its associated clause character library under each contract type, and this incidence relation is that database writer is writing library
When it is preset, can also be updated with the extension of data.Referring to table 2.After obtaining contract type, according to clause library
The incidence relation of each clause and contract type in 10 can be obtained associated with contract type by way of Data Matching
So clause.It should be noted that the incidence relation of clause and contract type is not only one-to-one corresponding relationship,
I.e. a contract type may be associated with multiple clauses.Therefore, the clause associated with contract type of acquisition has a plurality of, is formed
Clause set.
Guiding problem matching module 300, for being associated with according to each guiding problem and contract type in guiding library 20
System, obtains the guiding problem set to match with contract type.It is oriented to library 20Q uestion={ Q1, Q2... Qy；Y >=0 } in packet
Include y guiding problem.In the database of server, guiding library 20Question exists in the form of tables of data, is oriented to library
In 20Question, each guiding problem has the fields such as guiding question number, guiding problem detailed content.Referring to table 3.Guiding
Each guiding problem and contract type have incidence relation in library 20, i.e., each guiding problem has its corresponding contract type,
This incidence relation is that database writer is preset when writing library, can also be updated with the extension of data.
Referring to table 4.It, can according to the incidence relation of each guiding problem and contract type in guiding library 20 after obtaining contract type
Guiding problem associated with contract type is obtained by way of Data Matching.It should be noted that guiding problem and contract class
The incidence relation of type is not that only one-to-one corresponding relationship, i.e. a guiding problem may be associated with multiple contract type,
Or a contract type may be associated with multiple guiding problems.Therefore, the guiding problem meeting associated with contract type of acquisition
There is a plurality of, formation guiding problem set.
Risk matching module 400 is closed for the association between based on contract type, risk classifications and risk information three
System, obtains the risk classifications to match with contract type and risk information.Risk classifications RT={ RT1, RT2... RTx；X >=0 } packet
Include x kind risk classifications.Risk classifications division methods are not unique, therefore the quantity of x can be the arbitrary value to tally with the actual situation.
Preferably, the quantity x of risk classifications can be set to 3, that is, include without agreement risk, the unknown risk of agreement, default risk.Its
In, no agreement risk refers to that the law wind that may cause to contract performance and contract dispute is arranged in countless faces in contract terms
Danger；Arrange unknown risk refer to the agreement due to contract terms can not specify its meaning or there are ambiguity or agreements not only
The legal risk that first-class may cause contract performance and contract dispute；Default risk refers to contracting parties not according to about
Surely perform someone's duty under the contract and cause the legal risk of contract dispute.Risk information is that unit weights are more than weight threshold in legal documents
The sentence of value.Presetting between contract type, risk classifications and risk information three is relevant, i.e., each contract class
Type has its corresponding risk classifications, and each risk classifications have its corresponding risk information, and this incidence relation is database
Writer is preset when writing library, can also be updated with the extension of data.Referring to table 5.Obtaining contract class
After type, based on contract the incidence relation between type, risk classifications and risk information three, can pass through matched mode of tabling look-up
Obtain risk classifications associated with contract type and risk information.It should be noted that the association of guiding problem and contract type
Relationship is not that only one-to-one corresponding relationship, i.e. a contract type may be associated with multiple risk classifications.Therefore, it obtains
Risk classifications associated with contract type may at least one.
Guiding problem update module 500, for updating guiding problem set according to risk classifications and risk information.
Selection result obtains module 600, for obtaining the selection result to updated guiding problem set.User passes through
Client or be presented on the website of browser is inputted to the selection result of updated guiding problem set, and by selection result
It is sent to server, so that server obtains selection result.
Blank form contract generation module 700 generates blank form contract for being filtered according to selection result to clause set.
So-called blank form contract is referred to clause, but the key message being related in clause is blank, needs to fill in pass
The contract of key information.Wherein, key message refers to quantity, the amount of money, time involved in the main body for showing to sign a contract, clause etc.
Information.
For example, stock right transfer blank form contract, comprising following clause, " Party A agrees to that _ _ _ _ _ register of company money will be occupied
The equity (conjunction _ _ _ _ _ stock) of sheet _ _ _ _ _ % transfers Party B, and Party B agrees to assign."
Fig. 5 is the module pass that the second embodiment for generating system the present invention is based on the customized contract of the user of risk provides
It is schematic diagram.
As shown in figure 5, on the basis of the first embodiment of system provided by the invention, the second embodiment of system
Further include the incidence relation generation module 800 being connect with risk matching module 400, for generate contract type, risk classifications and
Incidence relation between risk information three.
Incidence relation generation module 800 includes: legal documents matching unit 801, sentence split cells 802, keyword
It is raw with unit 803, weight calculation unit 804, risk information determination unit 805, risk classifications determination unit 806 and incidence relation
At unit 807.
Legal documents matching unit 801, for the matching in legal documents library 30 and the associated law of a certain contract type
Document obtains and the associated legal documents set of the contract type.Legal documents matching unit 801 includes feature extraction subelement
With document digests match subelement.Feature extraction subelement, for obtaining to the progress feature extraction of each legal documents and each
The corresponding document abstract of legal documents；Wherein, document abstract includes: Reference Number, case type and law court's title.Preferably, literary
Book extract further include: dispute main body, evidence inventory, law demand, trial result, one or more in acceptance fee ratio.Text
Book extract coupling subelement, it is associated with a certain contract type for being matched in the document in legal documents library 30 abstract total collection
Document abstract obtains gathering with the associated document abstract of the contract type.
Sentence split cells 802, for carrying out language to each legal documents in legal documents set according to fractionation rule
Sentence is split, and obtains sentence set.One legal documents correspondence obtains a sentence set.Splitting rule is to legal documents text
Content splits into the agreement of the used separator of sentence set.It specifically includes: tearing a legal documents open using fullstop as separator
It is divided into multiple big sentences；And/or one legal documents is split as multiple small sentences using comma or branch as separator.
Keywords matching unit 803, for foundation risk keywords database 40 and matching rule, to each of sentence set
Sentence carries out Keywords matching, so that each sentence obtains corresponding risk crucial phrase.If matching rule includes: keyword set
Keyword in conjunction and at least one risk keyword in risk keywords database 40 are completely the same, then determine sentence hit one
A risk keyword.
Weight calculation unit 804, for being carried out to the sentence with risk crucial phrase according to preset keyword weight
It calculates, so that each sentence obtains corresponding unit weights.
Risk information determination unit 805, for being compared unit weights with weight threshold, if the unit weights of sentence
More than weight threshold, then determine that the sentence hits a risk information.
Risk classifications determination unit 806 determines that keywords database 50 determines risk information institute for belonging to according to risk information
The risk classifications of category.Risk information ownership determines that keywords database 50 is pre-set dictionary, and risk letter is stored in the dictionary
Breath ownership determines keyword.For example, if in certain risk information containing no written agreement, without agreement, verbal contract in extremely
A few keyword, then the risk classifications of this risk information are judged as " no agreement risk ".
Incidence relation generation unit 807, for counting risk classifications and risk classifications pair all under current contract type
At least one risk information answered generates the incidence relation between contract type, risk classifications and risk information three.
Risk classifications and risk information are illustrated with the specific example of the fractionation to legal documents 1, legal documents 2 below
Determination process.
Legal documents 1: content of text " " Chinese people's contract and general rule of the civil law " the 135th article of regulation, Xiang Renmin
It is 2 years during the statute of limitation that law court is claimed civil right, except otherwise stipulated by law；The method the 136th
Item regulation, postpone payment or the statute of limitation of rent strike during for 1 year, the payment dispute of this case system rent is during statute of limitation
1 year."
Contract type: house lease class.The risk keywords database 40 of the contract type include: dispute, focus, lawsuit, when
Whether effect, postpones payment, refuses to pay, and pays, and refuses, and payment, rent is written, and oral, contract has, and has, qualification, or not refuse, give, and pays,
Money } etc. phrases.
Split process is as follows:
The legal documents are split as following 7 sentences for separator according to comma or branch by 1.
Sentence 1, " Chinese people's contract and general rule of the civil law " the 135th article of regulation,
Sentence 2 is 2 years during the statute of limitation of civil right is claimed to people's court,
Sentence 3, except otherwise stipulated by law；
Sentence 4, the 136th article of method regulation,
Sentence 5, postpone payment or the statute of limitation of rent strike during for 1 year,
Sentence 6, the payment dispute of this case system rent,
Sentence 7 is 1 year during statute of limitation.
2 carry out keyword according to risk keywords database 40 and matching rule, to each sentence in above 7 sentences
Match, so that each sentence obtains corresponding risk crucial phrase.
Sentence 1, " " Chinese people's contract and general rule of the civil law " the 135th article of regulation "；It is not matched to risk key
Keyword in dictionary 40；
" civil right is claimed to people's court in sentence 2Lawsuit TimelinessPeriod is 2 years "；It is matched to risk pass
2 keywords in keyword library 40:Lawsuit Timeliness；
Sentence 3, " except otherwise stipulated by law "；The keyword being not matched in risk keywords database 40；
Sentence 4, " the 136th article of method regulation "；The keyword being not matched in risk keywords database 40；
Sentence 5, "It postpones paymentOrIt refuses to pay Rent'sLawsuit TimelinessPeriod is 1 year "；It is matched in risk keywords database 40
5 keywords:It postpones payment It refuses to pay Rent Lawsuit Timeliness；
Sentence 6, " this case systemRent Payment Dispute"；3 keywords being matched in risk keywords database 40:Rent Payment Dispute；
Sentence 7, "Lawsuit TimelinessPeriod is 1 year ".2 keywords being matched in risk keywords database 40:Lawsuit When Effect。
3, according to preset keyword weight, the sentence with risk crucial phrase is calculated, so that each sentence
Obtain corresponding unit weights.
Preset keyword weight are as follows: the weight of two-character word is 0.5, and the weight of monosyllabic word is 0.25；
The sentence of the above risky crucial phrase are as follows: sentence 2, sentence 5, sentence 6, sentence 7.
Sentence 2 is matched to 2 keywords, therefore the unit weights of sentence 2 are 1；
Sentence 5 is matched to 5 keywords, therefore the unit weights of sentence 5 are 2.5；
Sentence 6 is matched to 3 keywords, therefore the unit weights of sentence 6 are 1.5；
Sentence 7 is matched to 2 keywords, therefore the unit weights of sentence 7 are 1, due to the keyword and sentence 1 being matched to
The keyword being matched to is identical, and covering updates sentence 2.
4 are compared unit weights with weight threshold, if the unit weights of a certain sentence are more than weight threshold, determine
The sentence is risk information.
Setting using minimum keyword for weight threshold W can form risk key message as principle, set weight threshold W herein
It is 0.5.
It can to sum up obtain, the total weight of the unit of legal documents 1 is 1+2.5+1.5=5.Associated risk crucial phrase packet
It includes: { rent strike statute of limitation of postponing payment dispute }；Associated risk information are as follows: postpone payment or the lawsuit of rent strike
It is 1 year during timeliness, the payment of this case system rent is disputed on, and is 1 year during statute of limitation；Associated risk classifications are as follows: promise breaking
Risk.
Legal documents 2: " certain * * * thinks that expert's conclusion book is the identification report provided with the name of appraisal organization to content of text
It accuses, it can not be using the opinion of some appraiser as foundation.It is building plus layer that this case, which is related to central issue, makes identification report
The appraisal organization of announcement should have the assessment qualification of project cost, and the center * * * does not have this qualification ".
Contract type: house lease class.The risk keywords database 40 of the contract type include: dispute, focus, lawsuit, when
Whether effect, postpones payment, refuses to pay, and pays, and refuses, and payment, rent is written, and oral, contract has, and has, qualification, or not refuse, give, and pays,
Money } etc. phrases.
Split process is as follows:
1, the legal documents are split as following 5 sentences for separator according to comma or branch.
Sentence 1, certain * * * think that expert's conclusion book is the probation report provided with the name of appraisal organization；
Sentence 2, can not be using the opinion of some appraiser as foundation；
Sentence 3, it is building plus layer that this case, which is related to central issue,；
Sentence 4, the appraisal organization for making probation report should have the assessment qualification of project cost,
Sentence 5, and the center * * * does not have this qualification.
2, according to risk keywords database 40 and matching rule, keyword is carried out to each sentence in above 5 sentences
Match, so that each sentence obtains corresponding risk crucial phrase.
Sentence 1, " certain * * * thinks that expert's conclusion book is the probation report provided with the name of appraisal organization "；Do not match
To the keyword in risk keywords database 40；
Sentence 2, " can not be using the opinion of some appraiser as foundation "；It is not matched in risk keywords database 40
Keyword；
Sentence 3, " this case is related toDispute FocusIt is building plus layer "；2 keys being matched in risk keywords database 40
Word:Dispute Focus。
Sentence 4, " appraisal organization for making probation report shouldHaveThe assessment of project costQualification"；It is matched to risk pass
2 keywords in keyword library 40:Has qualification；
Sentence 5, " and the center * * *No HaveThisQualification"；2 keywords being matched in risk keywords database 40:No With qualification。
3, according to preset keyword weight, the sentence with risk crucial phrase is calculated, so that each sentence
Obtain corresponding unit weights.
Preset keyword weight are as follows: the weight of two-character word is 0.5, and the weight of monosyllabic word is 0.25；
The sentence of the above risky crucial phrase are as follows: sentence 3, sentence 4, sentence 5.
Sentence 3 is matched to 2 keywords, therefore the unit weights of sentence 2 are 1；
Sentence 4 is matched to 2 keywords, therefore the unit weights of sentence 4 are 1；
Sentence 5 is matched to 3 keywords, therefore the unit weights of sentence 5 are 1.25；
4, unit weights are compared with weight threshold, if the unit weights of a certain sentence are more than weight threshold, are sentenced
The fixed sentence is risk information.
Setting using minimum keyword for weight threshold W can form risk key message as principle, set weight threshold W herein
It is 0.5.
It can to sum up obtain, the total weight of the unit of legal documents 1 is 1+1+1.25=3.25.Associated risk crucial phrase packet
It includes: { central issue has qualification without qualification }；Associated risk information are as follows: " this case, which is related to central issue, to be building, add
Layer, the appraisal organization for making probation report should have the assessment qualification of project cost, and the center * * * does not have this qualification "；Its
Associated risk classifications are as follows: arrange unknown risk.
Fig. 6 is the module relationship schematic diagram of guiding problem update module.
As shown in fig. 6, in the another embodiment of present system, it is real in the first embodiment of system or second
It applies on the basis of mode, guiding problem update module 500 includes: judging unit 501 and updating unit 502.
Judging unit 501, for based on risk classifications and risk information associated by each clause in clause set, judgement
In clause set with the presence or absence of with guiding problem onrelevant and with risk classifications and the related clause of risk information, if it exists then
More new command is sent to updating unit 502.
Updating unit 502, for being generated and being oriented to based on risk information associated by the clause after receiving more new command
Problem, and update and arrive guiding problem set.
Fig. 7 is the module relationship schematic diagram of clause library update module.
As shown in fig. 7, in the another embodiment of present system, it is real in the first embodiment of system or second
It applies on the basis of mode, further includes clause library update module 900, which includes: clause set acquiring unit 901, risk
Information extraction unit 902 and clause set updating unit 502.
Clause set acquiring unit 901, for obtaining all clauses relevant to certain contract type from clause library 10,
Obtain the clause set of the contract type；Risk information extraction unit 902, should for being extracted according to the associated risk classifications of clause
All risk informations under risk classifications corresponding to clause；Clause set updating unit 903, for by calculating each
The text similarity of money and risk information judges in clause set with the presence or absence of the risk information with clause onrelevant, and if it exists,
Warning message is then generated, and generates new clause based on the risk information, is updated into clause set.
In the another embodiment of present system, on the basis of the first embodiment of system, further include
Final contract generation unit generates final contract based on operation for obtaining the operation to blank form contract.User passes through client
Or it is presented on to operate the blank form contract presented in the display interface on the website of browser and (operate including conjunction of filling in
Key message in), operating result is sent to server by client or the website for being presented on browser, so that service
Device obtains operating result, and server generates final contract based on operating result after obtaining operating result.
The customized contract generation method of user provided in an embodiment of the present invention based on risk and system are on the one hand true
Legal documents library in data acquisition contract be easy to produce the risk classifications and risk information of dispute, and be based on risk information pair
Obtained contract terms are updated, to obtain the contract of a co-related risks information；On the other hand, basic according to party
Risk information existing for information and contract generates guide problem associated by the contract, selects to filter such contract pass based on user
The clause library of connection generates the specific contract that portion meets user's actual conditions.And in the mistake of the specific contract of user's operation
Risk information associated by each clause in user's contract is informed in journey, so that not professional legal knowledge
User drafts out a legal power that can protect party to greatest extent with extremely low cost, extremely convenient and fast operating method
The contract of benefit.
It should be understood that above-mentioned specific embodiment of the invention is used only for exemplary illustration or explains of the invention
Principle, but not to limit the present invention.Therefore, that is done without departing from the spirit and scope of the present invention is any
Modification, equivalent replacement, improvement etc., should all be included in the protection scope of the present invention.In addition, appended claims purport of the present invention
Covering the whole variations fallen into attached claim scope and boundary or this range and the equivalent form on boundary and is repairing
Change example.
Claims (8)
1. a kind of customized contract generation method of user based on risk characterized by comprising
Step S11 obtains contract type；
Step S12 is obtained and the contract type phase according to the incidence relation of each clause and contract type in clause library (10)
Matched clause set；
Step S13 is obtained and the contract class according to the incidence relation of each guiding problem and contract type in guiding library (20)
The guiding problem set that type matches；Step S14, the based on contract association between type, risk classifications and risk information three
Relationship obtains the risk classifications to match with the contract type and risk information；
Step S15 updates the guiding problem set according to the risk classifications and risk information, comprising: be based on clause set
In risk classifications and risk information associated by each clause, judge in clause set with the presence or absence of with guiding problem onrelevant but
With risk classifications and the related clause of risk information；If it exists, then it is generated and is oriented to based on risk information associated by the clause
Problem, and update and arrive the guiding problem set；
Step S16 obtains the selection result to updated guiding problem set；
Step S17 is filtered the clause set according to the selection result, generates blank form contract.
2. according to the method described in claim 1, including generating contract type, risk classifications before the step S14 wherein
The step of incidence relation between risk information three, which includes:
Step S21, matching and the associated legal documents of a certain contract type, obtain and the contract class in legal documents library (30)
The associated legal documents set of type；
Step S22 carries out sentence fractionation to each legal documents in the legal documents set according to rule is split, obtains language
Sentence set；
Step S23 carries out keyword to each sentence in sentence set according to risk keywords database (40) and matching rule
Match, so that each sentence obtains corresponding risk crucial phrase；
Step S24 calculates the sentence with risk crucial phrase according to preset keyword weight, so that each language
Sentence obtains corresponding unit weights；
Unit weights are compared by step S25 with weight threshold, if the unit weights of sentence are more than weight threshold, are determined
The sentence hits a risk information；
Step S26 belongs to according to risk information and determines that keywords database (50) determine risk classifications belonging to the risk information；
Step S27, corresponding at least one risk information of the risk classifications and risk classifications for counting all under current contract type,
Generate the incidence relation between contract type, risk classifications and risk information three.
3. according to the method described in claim 1, wherein, obsolescence clause library (10) are included the steps that before the step S12,
It specifically includes:
Step S31 obtains the item of the contract type from all clauses relevant to certain contract type are obtained in clause library (10)
Money set；
Step S32 extracts all risk letters under risk classifications corresponding to the clause according to the associated risk classifications of clause
Breath；
Step S33, the text similarity by calculating each clause and risk information judge to whether there is and item in clause set
The risk information of money onrelevant, and if it exists, then generate warning message, and generate new clause based on the risk information, update is arrived
In clause set.
4. obtaining according to the method described in claim 1, further including step S18 after step S17 wherein to blank form contract
Operation, based on the final contract of operation generation.
5. a kind of customized contract of user based on risk generates system characterized by comprising
Contract type obtains module (100), for obtaining contract type；
Clause matching module (200), for according to the incidence relation of each clause and contract type in clause library (10), obtain with
The clause set that the contract type matches；
Guiding problem matching module (300), for being associated with according to each guiding problem and contract type in guiding library (20)
System, obtains the guiding problem set to match with the contract type；
Risk matching module (400), for the incidence relation between based on contract type, risk classifications and risk information three,
Obtain the risk classifications to match with the contract type and risk information；
Guiding problem update module (500), for updating the guiding problem set according to the risk classifications and risk information,
It include: judging unit (501), for based on risk classifications and risk information associated by each clause in clause set, judgement
In clause set with the presence or absence of with guiding problem onrelevant and with risk classifications and the related clause of risk information, if it exists then
More new command is sent to updating unit (502)；Updating unit (502), for being based on the clause institute after receiving more new command
Associated risk information generates guiding problem, and updates and arrive the guiding problem set；
Selection result obtains module (600), for obtaining the selection result to updated guiding problem set；
Blank form contract generation module (700) generates blank for being filtered according to the selection result to the clause set
Contract.
6. system according to claim 5, wherein further include that the association connecting with the risk matching module (400) is closed
It is generation module (800), for generating the incidence relation between contract type, risk classifications and risk information three；
The incidence relation generation module (800) includes:
Legal documents matching unit (801), for the matching in legal documents library (30) and the associated law of a certain contract type
Document obtains and the associated legal documents set of the contract type；
Sentence split cells (802), for being carried out according to fractionation rule to each legal documents in the legal documents set
Sentence is split, and obtains sentence set；
Keywords matching unit (803), for foundation risk keywords database (40) and matching rule, to each of sentence set
Sentence carries out Keywords matching, so that each sentence obtains corresponding risk crucial phrase；
Weight calculation unit (804), for being counted to the sentence with risk crucial phrase according to preset keyword weight
It calculates, so that each sentence obtains corresponding unit weights；
Risk information determination unit (805), for being compared unit weights with weight threshold, if the unit weights of sentence are super
Weight threshold is crossed, then determines that the sentence hits a risk information；
Risk classifications determination unit (806) determines that keywords database (50) determine that the risk is believed for belonging to according to risk information
Risk classifications belonging to breath；
Incidence relation generation unit (807), the risk classifications and risk classifications for counting all under current contract type are corresponding
At least one risk information, generate the incidence relation between contract type, risk classifications and risk information three.
7. system according to claim 5, wherein further include the clause library update module being connect with the clause library (10)
(900), clause library update module (900) includes:
Clause set acquiring unit (901), for obtaining all clauses relevant to certain contract type from clause library (10),
Obtain the clause set of the contract type；
Risk information extraction unit (902), for extracting risk class corresponding to the clause according to the associated risk classifications of clause
All risk informations under type；
Clause set updating unit (903) judges clause for the text similarity by calculating each clause and risk information
With the presence or absence of the risk information with clause onrelevant in set, and if it exists, then generate warning message, and raw based on the risk information
The clause of Cheng Xin is updated into clause set.
8. system according to claim 5, wherein further include final contract generation unit, for obtaining to the blank
The operation of contract generates final contract based on the operation.
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