CN109829832A - Method, system and the storage medium of big data maintenance agricultural insurance insurance data - Google Patents
Method, system and the storage medium of big data maintenance agricultural insurance insurance data Download PDFInfo
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Abstract
A kind of method, system and the storage medium of big data maintenance agricultural insurance insurance data.The present invention passes through computer technology; using regulatory agency's interface, subsidizes the application information that actuator interface, actuator interface of accepting insurance, graphics server, target image interpretation unit and governmental authority data-interface upload peasant household and carry out big data analysis; basis application information can automatically be verified by the information of above-mentioned interface; so that workload to be processed needed for mitigating verification unit, improves and verifies efficiency.Due to access governmental authority data-interface and verification and data fusion can be carried out according to the multi-source multi-temporal satellite remote sensing data that target image interpretation unit obtains, the present invention can effectively identify false insurance information, avoid falseness from accepting insurance, repetition is accepted insurance, underwriting information mistake, false situations such as settling a claim.The present invention can easily realize and insure on peasant household's line that the mechanism that accepts insurance quickly verifies, and improve work efficiency of machine of accepting insurance, and reduce agricultural insurance information compiling costs.
Description
Technical field
The present invention relates to digital processing technology field more particularly to a kind of sides of big data maintenance agricultural insurance insurance data
Method, system and storage medium.
Background technique
Agricultural insurance is to aim at agricultural producer during being engaged in planting industry, forestry, animal husbandry and fish production, to incident
A kind of insurance that economic loss provides safeguard caused by by insurance risks such as natural calamity, contingency epidemic disease, diseases.
Agricultural insurance is the common practice of market economy country's supporting agricultural development.It, can be with by Policy Agricultural Insurance
In the range of rules of WTO allows, agricultural implementation in China's is rationally effectively protected instead of direct subsidy, mitigates and is added
The impact of World Trade Organization's bring reduces influence of the natural calamity to agricultural production, stablizes farmers' income, promotes agricultural and rural area warp
The development of Ji.In China, agricultural insurance is to solve the problems, such as the important component of agriculture, rural areas and farmers again.
During China carries out, there are many problems for discovery, and mode of accepting insurance first is extensive for agricultural insurance at present, are easy
Existing void protects, protects for guarantor, pad, emits situations such as guarantor, causes to settle a claim chaotic, such as averagely compensates, compensates without calamity, cherishing and pay for swindleness compensation.It is various
The original intention that situation is insured with developing agricultural is disagreed, and agricultural insurance sound development is influenced.
Summary of the invention
In order to solve the shortcomings of the prior art, the purpose of the present invention is to provide one kind can accurately handle agriculture in real time
Method, system and the storage medium of the big data maintenance agricultural insurance insurance data of industry insurance data.
Firstly, to achieve the above object, a kind of method for proposing big data maintenance agricultural insurance insurance data, step packet
Include: the first step, peasant household's unit receive the application information of user, the application information of user are fed back to the Core server；The
Two steps, Core server applying type according to corresponding to the application information of user call corresponding regulatory agency's interface, subsidy
Actuator interface, actuator interface of accepting insurance, graphics server, target image interpretation unit or governmental authority data-interface；Wherein, described
It is right that target image interpretation unit geographical position coordinates according to corresponding to the application information of user transfer geographical position coordinates institute
The multi-source multi-temporal satellite remote sensing data answered, generate corresponding graph data, and the Core server receives the graph data simultaneously
The graph data is overlapped with the corresponding data of governmental authority data-interface and merges to obtain precise pattern data, by the essence
True graph data is transmitted to the graphics server by webservice service interaction, and the graphics server is according to the use
Project to be extracted corresponding to the application information at family extracts the individual features of the precise pattern data, by what is extracted
The profile feedback is to the Core server；Third step, when the applying type is to insure or when surrender, call described accurate
Graph data extracts characteristic value relevant to application information in the precise pattern data, by this feature value and the letter of application
The corresponding data of breath compare, meanwhile, compare application information and governmental authority data-interface data obtained, in above-mentioned number
When according to being mutually matched, the kind of insurance according to corresponding to application information, the charging gear for being presently in the agricultural cycle, by the benefit
The subsidy situation that attaching mechanism interface obtains calculates premium, and the application information is synchronized to the verification unit, in the core
Real memory cell, which meets above-mentioned application information, insures or when surrender requirement, corresponding to generate insurance data or surrender data and synchronization
To the Core server；When above-mentioned data are not mutually matched, unmatched information is sent to the verification unit；When described
Applying type is when reporting a case to the security authorities in real time, to extract the keyword in the application information, the governmental authority number according to keyword query
It is related to application information in the precise pattern data according to keyword query according to information relevant to the region of insuring in interface
Characteristic value, verifying keyword whether match, in keyword match, send match information to the verification unit, in key
When word mismatches, sends and mismatch information to the verification unit；Above-mentioned application information is met by the verification memory cell
It is corresponding to generate reparation data and be synchronized to the Core server when amended claims；Reparation is not met in above-mentioned application information
It is required that when, Xiang Suoshu actuator interface of accepting insurance sends incongruent information；When the applying type is that declaration form is inquired, by described
Actuator interface of accepting insurance transfers corresponding policy information to peasant household's unit；When the applying type is service evaluation, will comment
The synchronizing information of valence is to the Core server；4th step, regulatory agency's interface subsidize actuator interface or the mechanism that accepts insurance connects
Mouth difference obtains relative data in the Core server in real time, which is transmitted to prison by corresponding interface
Pipe mechanism subsidizes mechanism or the mechanism that accepts insurance；Regulatory agency's interface subsidizes actuator interface or actuator interface of accepting insurance is also real-time
By regulatory agency, subsidize mechanism or data that the mechanism that accepts insurance is updated are transmitted to the Core server by corresponding interface.
Optionally, described to insure in the third step in the method for above-mentioned big data maintenance agricultural insurance insurance data
Data include the premium amount of money, and the premium amount of money is calculated by following steps and obtained: step a1 calls the precise pattern number
According to, characteristic value relevant to application information in the precise pattern data is extracted, this feature value and the application information institute is right
The data answered compare, meanwhile, compare application information and governmental authority data-interface data obtained, only in above-mentioned data phase
The calculating of step a2 is mutually carried out when matching；Step a2 obtains kind of insurance k corresponding to application information, is presently in agriculture week
Phase t, the subsidy situation B obtained by the subsidy actuator interface；Its corresponding risk factor is searched according to the kind of insurance kTo calculate risk factor corresponding to this application information, wherein t1…tTFor the guarantor
Whole T agricultural cycles, R corresponding to insurance kind classTnFor risks and assumptions weight corresponding to wherein the T agricultural cycle, cnFor
Risks and assumptions；Risk factor K (t, the cn) it is to all risk factor in the agricultural cycle corresponding to application information according to it
Respective weight adds up；Step a3, the premium amount of money are risk factor corresponding to subsidy number and application information
Product, that is, B × K (t, cn)。
Optionally, in the method for above-mentioned big data maintenance agricultural insurance insurance data, in the third step, the reparation
Data include the amount of money range of reparation, and the amount of money range of the reparation is calculated by following steps to be obtained: step b1 extracts institute
The keyword in application information is stated, letter relevant to the region of insuring in the governmental authority data-interface according to keyword query
It ceases, characteristic value relevant to application information in the precise pattern data according to keyword query, whether verifying keyword matches,
The calculating of step b2 is only carried out in the keyword match；Step b2, risks and assumptions c corresponding to search keyn, this is
Risk factor K (t, c corresponding to the corresponding kind of insurance of application informationn)；Step b3, the upper limit of the amount of money range of reparation are to mend
Number is pasted divided by risk factor, i.e. B/K (t, cn)。
Optionally, in the method for above-mentioned big data maintenance agricultural insurance insurance data, the risks and assumptions cn, it is described
Risks and assumptions weight respectively by being obtained from government's AUTHORITATIVE DATA interface statistical data over the years obtained: cause disaster
Each type risk case constitutes a risks and assumptions cn, n > 1 counts each risks and assumptions respectively and occurs in all each agricultural cycles
Frequency and influence size, using the probability and the product for influencing size as the risks and assumptions weight；Wherein, the influence
The numerical value of size is between [0,1].
Secondly, to achieve the above object, it is also proposed that a kind of system of big data maintenance agricultural insurance insurance data, comprising:
Core server, and with peasant household's unit of the Core server communication connection, verify unit, regulatory agency's interface, subsidy
Actuator interface, actuator interface of accepting insurance, graphics server, target image interpretation unit and governmental authority data-interface；Wherein, described
Peasant household's unit is used to receive the application information of user, and the application information of user is fed back to the Core server；The peasant household
Unit is also used to receive policy information acquired in the Core server when declaration form is inquired；The verification unit is used for:
It insures or when surrender, receives Core server insurance data generated or surrender data；In real-time security personnel, institute is received
It states match information transmitted by Core server or mismatches information, whether application information is met by the verification memory cell
Amended claims generate reparation data accordingly when meeting and are synchronized to the Core server, are not inconsistent in above-mentioned application information
When closing amended claims, Xiang Suoshu actuator interface of accepting insurance sends incongruent information；Regulatory agency's interface is used for the core
Central server provides the relative data of data or real-time reception from Core server；The subsidy actuator interface is used for
The relative data of data or real-time reception from Core server are provided to the Core server；The mechanism that accepts insurance
Interface is used to provide the relative data of data or real-time reception from Core server to the Core server；It is described
Graphics server is for receiving the precise pattern data, the project pair to be extracted according to corresponding to the application information of the user
The individual features of the precise pattern data extract, by the profile feedback extracted to the Core server；Institute
It states target image interpretation unit and transfers geographical location seat for the geographical position coordinates according to corresponding to the application information of user
The corresponding multi-source multi-temporal satellite remote sensing data of mark, generate corresponding graph data；The governmental authority data-interface is used for
Data are provided to the Core server；Peasant household's unit, the core of the Core server and the Core server communication connection
Real unit, regulatory agency's interface, subsidize actuator interface, actuator interface of accepting insurance, graphics server, target image interpretation unit and
The interaction of governmental authority data-interface is in the method for big data maintenance agricultural insurance insurance data described in perform claim requirement 1 to 4
In step.
Optionally, in the system of above-mentioned big data maintenance agricultural insurance insurance data, peasant household's unit includes peasant household
The end PC and peasant household's handheld terminal；The end the peasant household PC includes being installed on the software at the end the peasant household PC or being stepped on by the end the peasant household PC
The webpage in land, to pass through webservice service and the Core server interaction data；Peasant household's handheld terminal includes installation
Software in peasant household's handheld terminal or the webpage that can be logged in by peasant household's handheld terminal, to pass through 4G network, GSM network
Or WiFi network and the Core server interaction data.
Optionally, in the system of above-mentioned big data maintenance agricultural insurance insurance data, verifying unit includes the end vouching PC
With vouching handheld terminal；The end the vouching PC includes the webpage that is installed on the software at the end vouching PC or can be logged in by the end vouching PC,
To pass through webservice service and the Core server interaction data；The vouching handheld terminal includes being installed on vouching to hold
The software of terminal or the webpage that can be logged in by vouching handheld terminal, to pass through 4G network, GSM network or WiFi network and the core
Central server interaction data
Simultaneously the present invention also provides a kind of storage medium of big data maintenance agricultural insurance insurance data, it is stored with available
In the program of execution, when described program is performed, the step in any of the above-described the method is realized.
Beneficial effect
The present invention using regulatory agency's interface, subsidizes actuator interface, actuator interface of accepting insurance, figure by computer technology
The application information that server, target image interpretation unit and governmental authority data-interface upload peasant household carries out big data point
Analysis.The present invention can verify unit institute to mitigate automatically according to being verified by the information of above-mentioned interface application information
Workload to be treated improves and verifies efficiency.Due to access governmental authority data-interface and can be according to target image solution
The multi-source multi-temporal satellite remote sensing data for translating unit acquisition carry out verification and data fusion, and the present invention can effectively identify false
Insurance information avoids falseness from accepting insurance, repetition is accepted insurance, underwriting information mistake, false situations such as settling a claim.The present invention can facilitate
Realization peasant household line on insure, the mechanism that accepts insurance quickly verifies, and raising is accepted insurance work efficiency of machine, reduces agricultural insurance information and collects
Cost.
Other features and advantages of the present invention will be illustrated in the following description, also, partly becomes from specification
It obtains it is clear that understand through the implementation of the invention.
Detailed description of the invention
Attached drawing is used to provide further understanding of the present invention, and constitutes part of specification, and with it is of the invention
Embodiment together, is used to explain the present invention, and is not construed as limiting the invention.In the accompanying drawings:
Fig. 1 is the system block diagram that big data according to the present invention safeguards agricultural insurance insurance data.
Specific embodiment
Hereinafter, preferred embodiments of the present invention will be described with reference to the accompanying drawings, it should be understood that preferred reality described herein
Apply example only for the purpose of illustrating and explaining the present invention and is not intended to limit the present invention.
Fig. 1 is the system that a kind of big data according to the present invention safeguards agricultural insurance insurance data comprising: kernel service
Device 1, and with peasant household's unit 2 of 1 communication connection of Core server, verify unit 3, regulatory agency's interface 4, subsidy mechanism
Interface 5, actuator interface 6 of accepting insurance, graphics server 7, target image interpretation unit 8 and governmental authority data-interface 9；Wherein, institute
Peasant household's unit 2 is stated for receiving the application information of user, the application information of user is fed back into the Core server 1；It is described
Peasant household's unit 2 is also used to receive policy information acquired in the Core server 1 when declaration form is inquired；The verification unit 3
For: when insuring or surrender, receive the Core server 1 insurance data generated or surrender data；It ensures public security in real time
When, it receives match information transmitted by the Core server 1 or mismatches information, checked and applied by the verification unit 3
Whether information meets amended claims, generates reparation data accordingly when meeting and is synchronized to the Core server 1, above-mentioned
When application information does not meet amended claims, Xiang Suoshu actuator interface 6 of accepting insurance sends incongruent information；Regulatory agency's interface
4 for providing the relative data of data or real-time reception from Core server 1 to the Core server 1；It is described
Actuator interface 5 is subsidized to be used to provide data or real-time reception from the associated therewith of Core server 1 to the Core server 1
Data；The actuator interface 6 of accepting insurance is for providing data or real-time reception from Core server to the Core server 1
1 relative data；The graphics server 7 is for receiving the precise pattern data, according to the application of the user
Project to be extracted corresponding to information extracts the individual features of the precise pattern data, the feature that will be extracted
Feed back to the Core server 1；The target image interpretation unit 8 is used for the geography according to corresponding to the application information of user
Position coordinates transfer multi-source multi-temporal satellite remote sensing data corresponding to the geographical position coordinates, generate corresponding graph data；
The governmental authority data-interface 9 is used to provide data to the Core server 1；The Core server 1 and the core
Peasant household's unit 2 of 1 communication connection of server verifies unit 3, regulatory agency's interface 4, subsidy actuator interface 5, actuator interface of accepting insurance
6, graphics server 7, target image interpretation unit 8 and the interaction of governmental authority data-interface 9 are to execute following step:
The first step, peasant household's unit 2 receive the application information of user, the application information of user are fed back to the kernel service
Device 1；
Second step, the applying type according to corresponding to the application information of user of Core server 1, calls corresponding supervisor
Structure interface 4, subsidy actuator interface 5, actuator interface 6 of accepting insurance, graphics server 7, target image interpretation unit 8 or governmental authority number
According to interface 9；Wherein, 8 geographical position coordinates according to corresponding to the application information of user of target image interpretation unit are transferred
Multi-source multi-temporal satellite remote sensing data corresponding to the geographical position coordinates generate corresponding graph data, the kernel service
Device 1 receives the graph data and is overlapped the graph data with the corresponding data of governmental authority data-interface 9 and merges to obtain
The precise pattern data are transmitted to the graphics server 7, institute by webservice service interaction by precise pattern data
The project to be extracted according to corresponding to the application information of the user of graphics server 7 is stated to the corresponding of the precise pattern data
Feature extracts, by the profile feedback extracted to the Core server 1；
Third step is extracted described accurate when the applying type is to insure or when surrender, call the precise pattern data
Characteristic value relevant to application information in graph data compares data corresponding to this feature value and the application information,
Meanwhile comparing application information and the data obtained of governmental authority data-interface 9, when above-mentioned data are mutually matched, according to Shen
It please the kind of insurance corresponding to information, the charging gear for being presently in the agricultural cycle, the benefit that is obtained by the subsidy actuator interface 5
Patch situation calculates premium, and the application information is synchronized to the verification unit 3, checks above-mentioned Shen in the verification unit 3
Please information meet and insure or when surrender requirement, it is corresponding to generate insurance data or surrender data and be synchronized to the Core server
1；When above-mentioned data are not mutually matched, unmatched information is sent to the verification unit 3；
When the applying type is to report a case to the security authorities in real time, the keyword in the application information is extracted, according to keyword query
Information relevant to the region of insuring, the precise pattern data according to keyword query in the governmental authority data-interface 9
In characteristic value relevant to application information, whether verifying keyword matches, and in keyword match, sends match information to described
Unit 3 is verified, when keyword mismatches, sends and mismatches information to the verification unit 3；Pass through 3 core of verification unit
It is corresponding to generate reparation data and be synchronized to the Core server 1 when meeting amended claims to above-mentioned application information；Above-mentioned
When application information does not meet amended claims, Xiang Suoshu actuator interface 6 of accepting insurance sends incongruent information；
When the applying type is that declaration form is inquired, corresponding policy information is transferred extremely by the actuator interface 6 of accepting insurance
Peasant household's unit 2；
When the applying type is service evaluation, by the synchronizing information of evaluation to the Core server 1；4th step,
Regulatory agency's interface 4, subsidy actuator interface 5 or actuator interface 6 of accepting insurance obtain in real time respectively in the Core server 1
The data are transmitted to regulatory agency by corresponding interface, subsidize mechanism or the mechanism that accepts insurance by relative data；The prison
Pipe actuator interface 4, subsidy actuator interface 5 or accept insurance actuator interface 6 also in real time by regulatory agency, subsidize mechanism or the mechanism that accepts insurance
The data updated are transmitted to the Core server 1 by corresponding interface.
Wherein, in third step, the insurance data includes the premium amount of money, and the premium amount of money is calculated by following steps
Obtain: step a1 calls the precise pattern data, extracts feature relevant to application information in the precise pattern data
Value compares data corresponding to this feature value and the application information, meanwhile, compare application information and governmental authority data
The data obtained of interface 9 only carry out the calculating of step a2 when above-mentioned data are mutually matched；Step a2 obtains application information
Corresponding kind of insurance k, the subsidy situation B for being presently in agricultural cycle t, being obtained by the subsidy actuator interface 5；According to institute
It states kind of insurance k and searches its corresponding risk factorIt is right to calculate this application information institute
The risk factor answered, wherein t1…tTFor whole T agricultural cycle, R corresponding to the kind of insuranceTnFor wherein the T agricultural
Risks and assumptions weight, c corresponding to periodnFor risks and assumptions；Risk factor K (t, the cn) it is to corresponding to application information
The all risk factor adds up according to its respective weight in agricultural cycle；Step a3, the premium amount of money are subsidy number
With the product of risk factor corresponding to application information, that is, B × K (t, cn)。
Similar, the reparation data include the amount of money range of reparation, and the amount of money range of the reparation passes through following step
Rapid calculate obtains: step b1 extracts the keyword in the application information, and the governmental authority data according to keyword query connect
Information relevant to the region of insuring in mouthfuls 9, it is relevant to application information in the precise pattern data according to keyword query
Whether characteristic value, verifying keyword match, and the calculating of step b2 is only carried out in the keyword match；Step b2 is searched and is closed
Risks and assumptions c corresponding to key wordn, this is risk factor K (t, c corresponding to the corresponding kind of insurance of application informationn)；Step
B3, the upper limit of the amount of money range of reparation are subsidy number divided by risk factor, i.e. B/K (t, cn)。
And above-mentioned risks and assumptions cn, described risks and assumptions weight is from government's AUTHORITATIVE DATA interface 9 respectively by being obtained
Statistical data over the years and obtain.Its concrete mode obtained are as follows: statistics causes each type risk case of disaster, will be every
A kind of risk case is defined as a risks and assumptions cn, n > 1 counts what each risks and assumptions occurred in all each agricultural cycles respectively
Frequency and influence size, using the product of the probability and influence size as the risks and assumptions weight；Wherein, described to influence greatly
Small numerical value is between [0,1].
For convenience of operation, peasant household's unit 2 in above system includes the end peasant household PC and peasant household's handheld terminal；The end the peasant household PC
Including the webpage that is installed on the software at the end the peasant household PC or can be logged in by the end the peasant household PC, to be serviced by webservice
With 1 interaction data of Core server；Peasant household's handheld terminal include be installed on peasant household's handheld terminal software or can
The webpage logged in by peasant household's handheld terminal, to pass through 4G network, GSM network or WiFi network and the Core server 1
Interaction data.And the verification unit 3 in above system includes the end vouching PC and vouching handheld terminal；The end the vouching PC includes installation
Software in the end vouching PC or the webpage that can be logged in by the end vouching PC, to pass through webservice service and the kernel service
1 interaction data of device；The vouching handheld terminal includes being installed on the software of vouching handheld terminal or being logged in by vouching handheld terminal
Webpage, to pass through 4G network, GSM network or WiFi network and 1 interaction data of Core server.
The present invention can effectively identify false insurance information as a result, avoid falseness from accepting insurance, repetition is accepted insurance, underwriting information
Mistake, false situations such as settling a claim.The present invention can easily realize and insure on peasant household's line that the mechanism that accepts insurance quickly verifies, and mention
Height is accepted insurance work efficiency of machine, and agricultural insurance information compiling costs is reduced.
Those of ordinary skill in the art will appreciate that: the foregoing is only a preferred embodiment of the present invention, and does not have to
In the limitation present invention, although the present invention is described in detail referring to the foregoing embodiments, for those skilled in the art
For, still can to foregoing embodiments record technical solution modify, or to part of technical characteristic into
Row equivalent replacement.All within the spirits and principles of the present invention, any modification, equivalent replacement, improvement and so on should all include
Within protection scope of the present invention.
Claims (8)
1. a kind of method of big data maintenance agricultural insurance insurance data, which is characterized in that step includes:
The first step, peasant household's unit (2) receive the application information of user, the application information of user are fed back to the Core server
(1)；
Second step, Core server (1) applying type according to corresponding to the application information of user, calls corresponding regulatory agency
Interface (4), subsidy actuator interface (5), actuator interface of accepting insurance (6), graphics server (7), target image interpretation unit (8) or political affairs
Mansion AUTHORITATIVE DATA interface (9)；
Wherein, target image interpretation unit (8) geographical position coordinates according to corresponding to the application information of user transfer this
Multi-source multi-temporal satellite remote sensing data corresponding to geographical position coordinates generate corresponding graph data, the Core server
(1) it receives the graph data and is overlapped the graph data with the corresponding data of governmental authority data-interface (9) and merge
To precise pattern data, the precise pattern data are transmitted to the graphics server by webservice service interaction
(7), the graphics server (7) project to be extracted according to corresponding to the application information of the user is to the precise pattern number
According to individual features extract, by the profile feedback extracted to the Core server (1)；
Third step, when the applying type is to insure or when surrender, call the precise pattern data, extract the precise pattern
Characteristic value relevant to application information in data compares data corresponding to this feature value and the application information, meanwhile,
Compare application information and governmental authority data-interface (9) data obtained, when above-mentioned data are mutually matched, according to letter of application
The corresponding kind of insurance of breath, the charging gear for being presently in the agricultural cycle, the subsidy obtained by subsidy actuator interface (5)
Situation calculates premium, and the application information is synchronized to the verification unit (3), checks in the verification unit (3) above-mentioned
Application information, which meets, insures or when surrender requirement, corresponding to generate insurance data or surrender data and be synchronized to the kernel service
Device (1)；When above-mentioned data are not mutually matched, unmatched information is sent to the verification unit (3)；
When the applying type is to report a case to the security authorities in real time, the keyword in the application information is extracted, according to keyword query
Information relevant to the region of insuring in governmental authority data-interface (9), in the precise pattern data according to keyword query
Characteristic value relevant to application information, whether verifying keyword matches, and in keyword match, sends match information to the core
Real unit (3) sends when keyword mismatches and mismatches information to the verification unit (3)；Pass through the verification unit
(3) when the above-mentioned application information of verification meets amended claims, the corresponding reparation data that generate simultaneously are synchronized to the Core server
(1)；When above-mentioned application information does not meet amended claims, Xiang Suoshu accept insurance actuator interface (6) send incongruent information；
When the applying type is that declaration form is inquired, corresponding policy information is transferred to institute by the actuator interface of accepting insurance (6)
State peasant household's unit (2)；
When the applying type is service evaluation, by the synchronizing information of evaluation to the Core server (1)；
4th step, regulatory agency's interface (4), subsidy actuator interface (5) or actuator interface of accepting insurance (6) obtain in real time respectively
The data are transmitted to regulatory agency, subsidy machine by corresponding interface by relative data in the Core server (1)
Structure or the mechanism that accepts insurance；Regulatory agency's interface (4), subsidy actuator interface (5) or actuator interface of accepting insurance (6) also in real time will prisons
Pipe mechanism subsidizes mechanism or data that the mechanism that accepts insurance is updated are transmitted to the Core server (1) by corresponding interface.
2. the method for big data maintenance agricultural insurance insurance data as described in claim 1, which is characterized in that the third step
In, the insurance data includes the premium amount of money, and the premium amount of money is calculated by following steps and obtained:
Step a1 calls the precise pattern data, extracts characteristic value relevant to application information in the precise pattern data,
Data corresponding to this feature value and the application information are compared, meanwhile, compare application information and is connect with governmental authority data
Mouth (9) data obtained, only carry out the calculating of step a2 when above-mentioned data are mutually matched；
Step a2 obtains kind of insurance k corresponding to application information, is presently in agricultural cycle t, by the subsidy actuator interface
(5) the subsidy situation B obtained；Its corresponding risk factor is searched according to the kind of insurance kTo calculate risk factor corresponding to this application information, wherein t1…tTFor the guarantor
Whole T agricultural cycles, R corresponding to insurance kind classTnFor risks and assumptions weight corresponding to wherein the T agricultural cycle, cnFor
Risks and assumptions；Risk factor K (t, the cn) it is to all risk factor in the agricultural cycle corresponding to application information according to it
Respective weight adds up；
Step a3, the premium amount of money are the product for subsidizing risk factor corresponding to number and application information, that is, B × K (t,
cn)。
3. such as the method for big data claimed in claims 1-2 maintenance agricultural insurance insurance data, which is characterized in that the third
In step, the reparation data include the amount of money range of reparation, and the amount of money range of the reparation is calculated by following steps to be obtained:
Step b1 extracts the keyword in the application information, in the governmental authority data-interface (9) according to keyword query
Information relevant to the region of insuring, feature relevant to application information in the precise pattern data according to keyword query
Whether value, verifying keyword match, and the calculating of step b2 is only carried out in the keyword match；
Step b2, risks and assumptions c corresponding to search keyn, this is risk corresponding to the corresponding kind of insurance of application information
COEFFICIENT K (t, cn)；
Step b3, the upper limit of the amount of money range of reparation are subsidy number divided by risk factor, i.e. B/K (t, cn)。
4. the method for the big data maintenance agricultural insurance insurance data as described in claim 1-3, which is characterized in that the wind
Dangerous factor cn, described risks and assumptions weight is respectively by from government's AUTHORITATIVE DATA interface (9) statistical data over the years obtained
And it obtains:
Each type risk case of disaster is caused to constitute a risks and assumptions cn, each risks and assumptions are counted respectively in all each agricultures
The frequency and influence size that the industry period occurs, using the product of the probability and influence size as the risks and assumptions weight；Its
In, the numerical value for influencing size is between [0,1].
5. a kind of system of big data maintenance agricultural insurance insurance data characterized by comprising Core server (1), and
With peasant household's unit (2) of the Core server (1) communication connection, verification unit (3), regulatory agency's interface (4), subsidy mechanism
Interface (5), actuator interface of accepting insurance (6), graphics server (7), target image interpretation unit (8) and governmental authority data-interface
(9)；Wherein, peasant household's unit (2) is used to receive the application information of user, and the application information of user is fed back to the core
Server (1)；Peasant household's unit (2) is also used to receive declaration form acquired in the Core server (1) when declaration form is inquired
Information；
The verification unit (3) is used for: when insuring or surrender, receiving the Core server (1) insurance data generated
Or surrender data；In real-time security personnel, receives match information transmitted by the Core server (1) or mismatch information, lead to
It crosses whether the verification unit (3) verification application information meets amended claims, generates reparation data and same accordingly when meeting
Step is to the Core server (1), and when above-mentioned application information does not meet amended claims, Xiang Suoshu accepts insurance actuator interface (6) hair
Send incongruent information；
Regulatory agency's interface (4) is used to provide data to the Core server (1) or real-time reception comes from kernel service
The relative data of device (1)；
The subsidy actuator interface (5) is used to provide data to the Core server (1) or real-time reception comes from kernel service
The relative data of device (1)；
The actuator interface of accepting insurance (6) is used to provide data to the Core server (1) or real-time reception comes from kernel service
The relative data of device (1)；
The graphics server (7) is for receiving the precise pattern data, according to corresponding to the application information of the user
Project to be extracted extracts the individual features of the precise pattern data, by the profile feedback extracted to the core
Central server (1)；
The target image interpretation unit (8) transfers the ground for the geographical position coordinates according to corresponding to the application information of user
Multi-source multi-temporal satellite remote sensing data corresponding to position coordinates are managed, corresponding graph data is generated；
The governmental authority data-interface (9) is used to provide data to the Core server (1)；
Peasant household's unit (2) of the Core server (1) and the Core server (1) communication connection verifies unit (3), prison
Pipe actuator interface (4), subsidy actuator interface (5), actuator interface of accepting insurance (6), graphics server (7), target image interpretation unit
(8) and governmental authority data-interface (9) interaction is insured with big data maintenance agricultural insurance described in perform claim requirement 1 to 4
Step in the method for data.
6. the system of big data maintenance agricultural insurance insurance data as claimed in claim 5, which is characterized in that the peasant household is single
First (2) include the end peasant household PC and peasant household's handheld terminal；
The end the peasant household PC passes through webservice service and the Core server (1) interaction data；
Peasant household's handheld terminal passes through 4G network, GSM network or WiFi network and the Core server (1) interaction data.
7. the system of the big data maintenance agricultural insurance insurance data as described in claim 5-6, which is characterized in that verify unit
It (3) include the end vouching PC and vouching handheld terminal；
The end the vouching PC passes through webservice service and the Core server (1) interaction data；
The vouching handheld terminal passes through 4G network, GSM network or WiFi network and the Core server (1) interaction data.
8. a kind of storage medium of big data maintenance agricultural insurance insurance data, which is characterized in that it, which is stored with, can be used for executing
Program realize the step in any one of Claims 1-4 the method when described program is performed.
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