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.