CN107067326A - A kind of agricultural insurance is accepted insurance system and its implementation - Google Patents

A kind of agricultural insurance is accepted insurance system and its implementation Download PDF

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CN107067326A
CN107067326A CN201710221532.1A CN201710221532A CN107067326A CN 107067326 A CN107067326 A CN 107067326A CN 201710221532 A CN201710221532 A CN 201710221532A CN 107067326 A CN107067326 A CN 107067326A
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蒋鹏飞
苌群杭
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Zhongke Guangqi Space Information Technology Co., Ltd.
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Henan Yun Bao Remote Sensing Technology Co Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08Insurance
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/29Geographical information databases
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q50/00Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/02Agriculture; Fishing; Forestry; Mining

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  • Agronomy & Crop Science (AREA)
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Abstract

The invention belongs to agricultural insurance technical field, more particularly to fusion geographical information technology, remote sensing technology, a kind of agricultural insurance of satellite positioning tech is accepted insurance system and its implementation, including satellite-remote-sensing image data module, there is the Yunnan snub-nosed monkey module that communication data is connected with satellite-remote-sensing image data module, there is the photomap service module that communication data is connected with Yunnan snub-nosed monkey module, and there is the central server that communication data is connected with photomap service module, the central server is connected with target acquisition component by tie line, crop database module and insurance company end use module, " accepted insurance with that can realize by figure, accurate Claims Resolution ", insurance company is improved to accept insurance in agricultural insurance the operating efficiency in stage, reduce cost, it can evade in the stage of accepting insurance simultaneously, falseness is accepted insurance, the advantage for the occurrence of underwriting information is false.

Description

A kind of agricultural insurance is accepted insurance system and its implementation
Technical field
The invention belongs to agricultural insurance technical field, more particularly to fusion geographical information technology, remote sensing technology, satellite fix skill A kind of agricultural insurance of art is accepted insurance system and its implementation.
Background technology
Agricultural insurance, refer to planting industry (crops), aquaculture (poultry) production, nurture, may in developmental process Economic loss caused by the natural calamity suffered or contingency provides one kind of economic guarantee.Insurance institution passes through insurance Form, the mutual assistance of tissue people engaged in agriculture collective makes impaired unit or individual obtain due compensation, to recover life in time Production, it is ensured that agricultural production is smoothed out.
Current agricultural insurance is a kind of agriculture safeguard way that many countries generally carry out, and its main purpose is to be used to drop The natural risk and the market risk run into low agricultural production.So agricultural insurance is greatly developed, but agricultural insurance at present exists During China carries out, there are many problems demands to solve.
First, in the stage of accepting insurance, there is falseness and accept insurance, underwriting information is untrue, such as:Void is protected, is protected for guarantor, pad, emits guarantor etc.. Cause the follow-up Claims Resolution stage, falseness Claims Resolution, such as:It is average to compensate, compensated without calamity compensation, virtual height, cherish the generation for paying for situations such as pressure is paid for, Agricultural, steady countryside development can not be ensured, the original intention for greatly developing agricultural insurance with government is disagreed.Therefore Chinese Protecting and Supervising Association is directed to Agricultural insurance proposes " accept insurance, accurately settle a claim by figure ", work should be had in agricultural production by allowing agricultural insurance to play in the stage of accepting insurance With.
Session information hardly possible is collected, information difficulty is big, information workload big accepting insurance to solve agricultural insurance and The false situation of information, my company combines self-technique advantage, develops a set of based on high-definition remote sensing information acquiring technology Agricultural insurance accept insurance system and its implementation, accepted insurance with improving insurance company in agricultural insurance the operating efficiency in stage, drop Low cost.
The content of the invention
The purpose of the present invention is exactly that session information hardly possible is collected, information difficulty is big, letter accepting insurance to solve agricultural insurance Cease that collection work amount is big and the problem of information false situation, and fusion geographical information technology, remote sensing technology, satellite are provided Position technology, it is possible to achieve " accepted insurance by figure, accurately settle a claim ", improves insurance company and is accepted insurance in agricultural insurance the operating efficiency in stage, Cost is reduced, while can evade in the stage of accepting insurance, falseness is accepted insurance, one kind agricultural for the occurrence of underwriting information is false Insurance underwriting system and its implementation.
The technical solution adopted by the present invention is:
A kind of agricultural insurance is accepted insurance system, including satellite-remote-sensing image data module, is existed with satellite-remote-sensing image data module , there is the photomap service mould that communication data is connected with Yunnan snub-nosed monkey module in the Yunnan snub-nosed monkey module of communication data connection Block, and there is the central server that communication data is connected with photomap service module, the central server passes through data Communication line is connected with target acquisition component, crop database module and insurance company end and uses module;
The target acquisition component includes target acquisition module, the mark being connected respectively with central server by tie line Memory module, target maintenance management module, target inquiry and result output module and GPS module;
The insurance company end is one group of computer terminal being connected with central server by tie line using module.
Further, the satellite-remote-sensing image data module is the number for storing and providing High Resolution Remote Sensing Satellites picture According to library module;The Yunnan snub-nosed monkey module is that the spectroscopic data of the RGB wave bands of satellite remote sensing is superimposed into synthesis with map datum, Obtain high-resolution image data;The photomap service module is will to obtain high-resolution after Yunnan snub-nosed monkey resume module The form that the image data of rate is serviced by Rest, issues into photomap service.
Further, the target acquisition module includes PC ends, the flat board mobile terminal for being used to gather subject matter information;It is described Target memory module is used to store the subject matter information collected by target acquisition module;The target maintenance management module is used for Edlin and maintenance are entered to subject matter information;The target inquiry and result output module are used to inquiring about and exporting subject matter letter Breath;The GPS module is used to coordinate with subject matter acquisition module, and position mark is carried out to the subject matter information gathered.
One kind realizes agricultural insurance underwriting process with the above-mentioned agricultural insurance system of accepting insurance, and comprises the following steps:
Step 1), in satellite-remote-sensing image data module store High Resolution Remote Sensing Satellites picture;
Step 2), the High Resolution Remote Sensing Satellites picture stored in satellite-remote-sensing image data module read into Yunnan snub-nosed monkey Module, atmospheric correction, ortho-rectification, fusion, splicing, sanction are carried out by Yunnan snub-nosed monkey module to High Resolution Remote Sensing Satellites picture Cut, the processing of spatial registration, obtain high-resolution image data;
Step 3), the high-resolution image data image that Yunnan snub-nosed monkey resume module is obtained read into map service module In, the form for being serviced high-resolution image data by Rest by map service module issues into photomap service;
Step 4), insurance company be connected to after insurance demand, by staff by target acquisition module and GPS module, held Including geographical position, area, planting floristics, the subject matter information of real upgrowth situation for subject matter is protected, and passes back to target Memory module;
Step 5), by target maintenance management module enter edlin and maintenance to subject matter information, and pass back to target memory module;
Step 6), central server reads subject matter information in target memory module, photomap is believed in map service module The crop information corresponding with subject matter in breath and crop database module, then by subject matter information and crop information Mark in photomap information, form subject matter cartographic information of accepting insurance;
Step 7), insurance company end read central server by the subject matter cartographic information of accepting insurance after processing using module, generation Complete policy information, completes agricultural insurance and accepts insurance flow.
Further, the subject matter information in the target memory module is provided by target inquiry and result output module and looked into Inquiry, output function.
Further, the step 4)In target acquisition module include being used to gather PC ends, the flat board of subject matter information Mobile terminal;Staff records latitude and longitude coordinates by hand-held flat board mobile terminal at the edge crossing point in required plot of accepting insurance, Accurate geographic position, area information, kind floristics and the real upgrowth situation information in plot of accepting insurance can be obtained;It is described to accept insurance Accurate geographic position information, area information, kind floristics and the real upgrowth situation information in plot are aggregated into PC ends, unify back Reach target memory module.
The beneficial effects of the invention are as follows:
By the agricultural insurance that provides of the present invention accept insurance system and application method there is provided high score image, it is possible to achieve " held by figure Protect, accurate Claims Resolution ", improve insurance company and accepted insurance in agricultural insurance the operating efficiency in stage, cost is reduced, while having evaded some In the stage of accepting insurance, falseness is accepted insurance, the occurrence of underwriting information is false, and allowing agricultural insurance to play should have in agricultural production Effect, it is ensured that agricultural, steady countryside development.
Brief description of the drawings
Fig. 1 is that a kind of agricultural insurance for providing of the present invention is accepted insurance the structured flowchart of system.
Fig. 2 is that a kind of agricultural insurance for providing of the present invention is accepted insurance the flow chart of network system realization.
Embodiment
The core of the present invention is to provide a kind of agricultural insurance and accepted insurance system and its implementation.
Present disclosure is described further below in conjunction with the accompanying drawings, a kind of agricultural insurance is accepted insurance system, such as Fig. 1 institutes Show, including satellite-remote-sensing image data module, there is the image that communication data is connected with satellite-remote-sensing image data module locates in advance Manage module, there is the photomap service module that communication data is connected with Yunnan snub-nosed monkey module, and with photomap service There is the central server of communication data connection in module, the central server is connected with target by tie line and gathered Component, crop database module and insurance company end use module;Wherein target acquisition component include respectively with center service Target acquisition module that device is connected by tie line, target memory module, target maintenance management module, target inquiry and Result output module and GPS module;Above-mentioned insurance company end is one group using module and passes through data telecommunication line with central server The computer terminal of road connection, above-mentioned satellite-remote-sensing image data module is the number for storing and providing High Resolution Remote Sensing Satellites picture According to library module;Yunnan snub-nosed monkey module is that the spectroscopic data of the RGB wave bands of satellite remote sensing is superimposed into synthesis with map datum, is obtained High-resolution image data;Photomap service module is high-resolution image will to be obtained after Yunnan snub-nosed monkey resume module The form that data are serviced by Rest, issues into photomap service;Above-mentioned target acquisition module includes being used to gather subject matter PC ends, the flat board mobile terminal of information;Target memory module is used to store the subject matter information collected by target acquisition module;Mark Maintenance management module be used for edlin and maintenance are entered to subject matter information;Target inquire about and result output module be used for inquire about and Export subject matter information;GPS module is used to coordinate with subject matter acquisition module, and position is carried out to the subject matter information gathered Mark.
As shown in Fig. 2 one kind realizes agricultural insurance underwriting process, including following step with the above-mentioned agricultural insurance system of accepting insurance Suddenly:
Step 1), in satellite-remote-sensing image data module store High Resolution Remote Sensing Satellites picture;
Step 2), the High Resolution Remote Sensing Satellites picture stored in satellite-remote-sensing image data module read into Yunnan snub-nosed monkey Module, atmospheric correction, ortho-rectification, fusion, splicing, sanction are carried out by Yunnan snub-nosed monkey module to High Resolution Remote Sensing Satellites picture Cut, the processing such as spatial registration, obtain high-resolution image data;
Step 3), the high-resolution image data image that Yunnan snub-nosed monkey resume module is obtained read into map service module In, the form for being serviced high-resolution image data by Rest by map service module issues into photomap service;
Step 4), insurance company be connected to after insurance demand, by staff by target acquisition module and GPS module, held Including geographical position, area, planting floristics, the subject matter information of real upgrowth situation for subject matter is protected, and passes back to target Memory module;
Step 5), by target maintenance management module enter edlin and maintenance to subject matter information, and pass back to target memory module;
Step 6), central server reads subject matter information in target memory module, photomap is believed in map service module The crop information corresponding with subject matter in breath and crop database module, then by subject matter information and crop information Mark in photomap information, form subject matter cartographic information of accepting insurance;
Step 7), insurance company end read central server by the subject matter cartographic information of accepting insurance after processing using module, generation Complete policy information, completes agricultural insurance and accepts insurance flow.
Subject matter information wherein in target memory module provides inquiry, output work by target inquiry and result output module Energy.
Above-mentioned steps 4)In target acquisition module include being used to gather PC ends, the flat board mobile terminal of subject matter information;Work Make personnel and latitude and longitude coordinates are recorded at the edge crossing point in required plot of accepting insurance by hand-held flat board mobile terminal, can obtain and hold Protect accurate geographic position, area information, kind floristics and the real upgrowth situation information in plot;The plot of accepting insurance it is accurate Geographical location information, area information, kind floristics and real upgrowth situation information are aggregated into PC ends, are uniformly back to target and deposit Store up module.

Claims (6)

  1. The system 1. a kind of agricultural insurance is accepted insurance, it is characterised in that:Including satellite-remote-sensing image data module, with satellite-remote-sensing image There is the Yunnan snub-nosed monkey module of communication data connection in data module, there is the shadow that communication data is connected with Yunnan snub-nosed monkey module There is the central server that communication data is connected as map service module, and with photomap service module, it is described in it is genuinely convinced Business device is connected with target acquisition component, crop database module and insurance company end by tie line and uses module;
    The target acquisition component includes target acquisition module, the mark being connected respectively with central server by tie line Memory module, target maintenance management module, target inquiry and result output module and GPS module;
    The insurance company end is one group of computer terminal being connected with central server by tie line using module.
  2. The system 2. agricultural insurance according to claim 1 is accepted insurance, it is characterised in that:The satellite-remote-sensing image data module It is the database module for storing and providing High Resolution Remote Sensing Satellites picture;The Yunnan snub-nosed monkey module is by satellite remote sensing The spectroscopic data of RGB wave bands is superimposed synthesis with map datum, obtains high-resolution image data;The photomap services mould Block is the form that high-resolution image data is serviced by Rest will to be obtained after Yunnan snub-nosed monkey resume module, image is issued into Map Services.
  3. The system 3. agricultural insurance according to claim 1 is accepted insurance, it is characterised in that:The target acquisition module includes being used for Gather PC ends, the flat board mobile terminal of subject matter information;The target memory module is used to store to be collected by target acquisition module Subject matter information;The target maintenance management module is used to enter edlin and maintenance to subject matter information;The target inquiry It is used to inquiring about and exporting subject matter information with result output module;The GPS module is used to coordinate with subject matter acquisition module, right The subject matter information gathered carries out position mark.
  4. 4. one kind realizes agricultural insurance underwriting process with the above-mentioned agricultural insurance system of accepting insurance, it is characterised in that including following step Suddenly:
    Step 1), in satellite-remote-sensing image data module store High Resolution Remote Sensing Satellites picture;
    Step 2), the High Resolution Remote Sensing Satellites picture stored in satellite-remote-sensing image data module read into Yunnan snub-nosed monkey Module, atmospheric correction, ortho-rectification, fusion, splicing, sanction are carried out by Yunnan snub-nosed monkey module to High Resolution Remote Sensing Satellites picture Cut, the processing of spatial registration, obtain high-resolution image data;
    Step 3), the high-resolution image data image that Yunnan snub-nosed monkey resume module is obtained read into map service module In, the form for being serviced high-resolution image data by Rest by map service module issues into photomap service;
    Step 4), insurance company be connected to after insurance demand, by staff by target acquisition module and GPS module, held Including geographical position, area, planting floristics, the subject matter information of real upgrowth situation for subject matter is protected, and passes back to target Memory module;
    Step 5), by target maintenance management module enter edlin and maintenance to subject matter information, and pass back to target memory module;
    Step 6), central server reads subject matter information in target memory module, photomap is believed in map service module The crop information corresponding with subject matter in breath and crop database module, then by subject matter information and crop information Mark in photomap information, form subject matter cartographic information of accepting insurance;
    Step 7), insurance company end read central server by the subject matter cartographic information of accepting insurance after processing using module, generation Complete policy information, completes agricultural insurance and accepts insurance flow.
  5. 5. agricultural insurance underwriting process according to claim 4, it is characterised in that:Target in the target memory module Thing information provides inquiry, output function by target inquiry and result output module.
  6. 6. agricultural insurance underwriting process according to claim 4, it is characterised in that:The step 4)In target collection mould Block includes PC ends, the flat board mobile terminal for being used to gather subject matter information;Staff is held by hand-held flat board mobile terminal required Protect and latitude and longitude coordinates are recorded at the edge crossing point in plot, the accurate geographic position in plot of accepting insurance, area information, kind can be obtained Floristics and real upgrowth situation information;The accurate geographic position information in the plot of accepting insurance, area information, kind floristics PC ends are aggregated into real upgrowth situation information, target memory module is uniformly back to.
CN201710221532.1A 2017-04-06 2017-04-06 A kind of agricultural insurance is accepted insurance system and its implementation Withdrawn CN107067326A (en)

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Cited By (16)

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CN107861133A (en) * 2017-10-23 2018-03-30 北斗卫星导航科技邢台有限公司 Intelligent information system is protected in a kind of Big Dipper agriculture
CN108537674A (en) * 2018-02-07 2018-09-14 海南云保遥感科技有限公司 A kind of application process of remote sensing technology in property insurance Claims Resolution
CN109241922A (en) * 2018-09-18 2019-01-18 安徽阡陌网络科技有限公司 Guarantor's method is precisely tested in a kind of agricultural insurance based on remotely-sensed data and digital field
CN109614543A (en) * 2018-10-23 2019-04-12 中国平安财产保险股份有限公司 The method, apparatus and computer equipment of agriculture danger business are promoted using big data
CN109658259A (en) * 2018-11-19 2019-04-19 平安科技(深圳)有限公司 Peasant household's listings data processing method, device, computer equipment and storage medium
CN109785168A (en) * 2019-01-08 2019-05-21 北京佰信蓝图科技股份公司 A kind of information collecting method in agricultural insurance plot
CN109816539A (en) * 2019-01-14 2019-05-28 北京天下图数据技术有限公司 Serve the map cloud service system and method for agricultural insurance
CN109829832A (en) * 2019-01-18 2019-05-31 河南奥菲斯电子科技有限公司 Method, system and the storage medium of big data maintenance agricultural insurance insurance data
CN109934720A (en) * 2019-01-14 2019-06-25 北京天下图数据技术有限公司 Application method, device and the storage medium of electronic certificate
CN110796555A (en) * 2019-10-24 2020-02-14 北京永诚保险经纪有限公司 Method for rapidly applying insurance and settling claim based on block chain and insurance platform
CN110930260A (en) * 2019-10-30 2020-03-27 中国银行保险信息技术管理有限公司 Block-level full-core full-verification method and device for planting industry insurance mark
CN111192149A (en) * 2019-11-25 2020-05-22 泰康保险集团股份有限公司 Method and device for generating underwriting result data
CN111652587A (en) * 2020-06-04 2020-09-11 沧州聚农智能农业有限公司 Agricultural insurance subject matter checking system
CN111949817A (en) * 2020-09-09 2020-11-17 中国农业科学院农业信息研究所 Crop information display system, method, equipment and medium based on remote sensing image
CN116805395A (en) * 2023-08-22 2023-09-26 沧州聚农智能农业有限公司 Verification method, device, system and storage medium for agricultural insurance target
CN117649101A (en) * 2024-01-30 2024-03-05 航天宏图信息技术股份有限公司 Automatic and collaborative combined satellite image production method, device and equipment

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Cited By (23)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107861133A (en) * 2017-10-23 2018-03-30 北斗卫星导航科技邢台有限公司 Intelligent information system is protected in a kind of Big Dipper agriculture
CN108537674A (en) * 2018-02-07 2018-09-14 海南云保遥感科技有限公司 A kind of application process of remote sensing technology in property insurance Claims Resolution
CN109241922B (en) * 2018-09-18 2021-08-13 安徽阡陌网络科技有限公司 Agricultural insurance accurate verification and protection method based on remote sensing data and digital field
CN109241922A (en) * 2018-09-18 2019-01-18 安徽阡陌网络科技有限公司 Guarantor's method is precisely tested in a kind of agricultural insurance based on remotely-sensed data and digital field
CN109614543A (en) * 2018-10-23 2019-04-12 中国平安财产保险股份有限公司 The method, apparatus and computer equipment of agriculture danger business are promoted using big data
CN109614543B (en) * 2018-10-23 2023-11-21 中国平安财产保险股份有限公司 Method and device for promoting agricultural insurance service by utilizing big data and computer equipment
CN109658259A (en) * 2018-11-19 2019-04-19 平安科技(深圳)有限公司 Peasant household's listings data processing method, device, computer equipment and storage medium
CN109785168A (en) * 2019-01-08 2019-05-21 北京佰信蓝图科技股份公司 A kind of information collecting method in agricultural insurance plot
CN109816539A (en) * 2019-01-14 2019-05-28 北京天下图数据技术有限公司 Serve the map cloud service system and method for agricultural insurance
CN109934720A (en) * 2019-01-14 2019-06-25 北京天下图数据技术有限公司 Application method, device and the storage medium of electronic certificate
CN109829832B (en) * 2019-01-18 2021-09-17 河南奥菲斯电子科技有限公司 Method, system and storage medium for maintaining agricultural insurance application data by big data
CN109829832A (en) * 2019-01-18 2019-05-31 河南奥菲斯电子科技有限公司 Method, system and the storage medium of big data maintenance agricultural insurance insurance data
CN110796555A (en) * 2019-10-24 2020-02-14 北京永诚保险经纪有限公司 Method for rapidly applying insurance and settling claim based on block chain and insurance platform
CN110930260A (en) * 2019-10-30 2020-03-27 中国银行保险信息技术管理有限公司 Block-level full-core full-verification method and device for planting industry insurance mark
CN110930260B (en) * 2019-10-30 2022-05-17 中国银行保险信息技术管理有限公司 Block-level full-core full-verification method and device for planting industry insurance mark
CN111192149A (en) * 2019-11-25 2020-05-22 泰康保险集团股份有限公司 Method and device for generating underwriting result data
CN111192149B (en) * 2019-11-25 2023-06-16 泰康保险集团股份有限公司 Nuclear insurance result data generation method and device
CN111652587A (en) * 2020-06-04 2020-09-11 沧州聚农智能农业有限公司 Agricultural insurance subject matter checking system
CN111949817A (en) * 2020-09-09 2020-11-17 中国农业科学院农业信息研究所 Crop information display system, method, equipment and medium based on remote sensing image
CN116805395A (en) * 2023-08-22 2023-09-26 沧州聚农智能农业有限公司 Verification method, device, system and storage medium for agricultural insurance target
CN116805395B (en) * 2023-08-22 2024-01-09 沧州聚农智能农业有限公司 Verification method, device, system and storage medium for agricultural insurance target
CN117649101A (en) * 2024-01-30 2024-03-05 航天宏图信息技术股份有限公司 Automatic and collaborative combined satellite image production method, device and equipment
CN117649101B (en) * 2024-01-30 2024-05-14 航天宏图信息技术股份有限公司 Automatic and collaborative combined satellite image production method, device and equipment

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