CN109829832B - Method, system and storage medium for maintaining agricultural insurance application data by big data - Google Patents
Method, system and storage medium for maintaining agricultural insurance application data by big data Download PDFInfo
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Abstract
A method, a system and a storage medium for big data maintenance of agricultural insurance application data. According to the invention, by adopting a computer technology, the application information uploaded by the peasant household is subjected to big data analysis by utilizing the supervisory institution interface, the subsidy institution interface, the underwriting institution interface, the graphic server, the target image interpretation unit and the government authority data interface, and the application information can be automatically verified according to the information of the interfaces, so that the workload required to be processed by the verification unit is reduced, and the verification efficiency is improved. Due to the fact that the government authority data interface is accessed and the checking and data fusion can be carried out according to the multi-source multi-temporal satellite image data acquired by the target image interpretation unit, false insurance information can be effectively identified, and the situations of false underwriting, repeated underwriting, erroneous underwriting information, false claim settlement and the like are avoided. The invention can conveniently realize the online insurance application of farmers, the rapid verification of the insurance acceptance mechanism, the working efficiency of the insurance acceptance mechanism is improved, and the agricultural insurance information collection cost is reduced.
Description
Technical Field
The invention relates to the technical field of digital processing, in particular to a method, a system and a storage medium for maintaining agricultural insurance application data by big data.
Background
The agricultural insurance is an insurance specially used for guaranteeing the economic loss caused by the insurance accidents such as natural disasters, accidental diseases, diseases and the like when an agricultural producer engages in the production process of planting industry, forestry industry, animal husbandry and fishery industry.
Agricultural insurance is a current practice for supporting agricultural development in market economy and countries. Through policy agricultural insurance, can replace direct subsidy to implement reasonable effectual protection to our country's agriculture in the scope that the world trade organization rule allows, alleviate the impact of joining the world trade organization and bringing, reduce the influence of natural disasters to agricultural production, stabilize peasant income, promote the development of agriculture and rural economy. In China, agricultural insurance is an important component for solving the problem of agriculture, agriculture and forestry.
At present, agricultural insurance finds a lot of problems in the process of pushing away in China, firstly, the insurance method is extensive, and situations such as virtual insurance, substitute insurance, cushion insurance, imposition insurance and the like easily occur, so that the settlement is disordered, such as average settlement, disaster-free settlement, claims-loss and fraud, and the like. Various conditions are contrary to the original intention of developing agricultural insurance, and the healthy development of the agricultural insurance is influenced.
Disclosure of Invention
In order to solve the defects in the prior art, the invention aims to provide a method, a system and a storage medium for maintaining agricultural insurance application data by using big data, which can accurately process agricultural insurance data in real time.
Firstly, in order to achieve the above purpose, a method for maintaining agricultural insurance application data by big data is provided, which comprises the following steps: firstly, a farmer unit receives application information of a user and feeds the application information of the user back to the core server; secondly, the core server calls a corresponding monitoring institution interface, a subsidy institution interface, an insurance acceptance institution interface, a graphic server, a target image interpretation unit or a government authority data interface according to the application type corresponding to the application information of the user; the target image interpretation unit calls multi-source multi-temporal satellite image data corresponding to geographic position coordinates according to the geographic position coordinates corresponding to application information of a user to generate corresponding graphic data, the core server receives the graphic data and superposes and fuses the graphic data and corresponding data of a government authoritative data interface to obtain accurate graphic data, the accurate graphic data are interactively transmitted to the graphic server through webservice service, the graphic server extracts corresponding features of the accurate graphic data according to-be-extracted items corresponding to the application information of the user, and the extracted features are fed back to the core server; thirdly, when the application type is insurance application or insurance removal, calling the accurate graph data, extracting a characteristic value related to application information in the accurate graph data, comparing the characteristic value with data corresponding to the application information, simultaneously comparing the application information with data obtained by a government authoritative data interface, when the data are matched with each other, calculating a premium according to the insurance type corresponding to the application information, the charging grade of the current agricultural period and the subsidy condition obtained by the subsidy agency interface, synchronizing the application information to the verification unit, and when the verification unit verifies that the application information meets the insurance application or insurance removal requirements, correspondingly generating insurance application data or insurance removal data and synchronizing the insurance application data to the core server; when the data are not matched with each other, sending unmatched information to the verification unit; when the application type is a real-time application, extracting keywords in the application information, inquiring information related to the insurable area in the government authority data interface according to the keywords, inquiring characteristic values related to the application information in the accurate graph data according to the keywords, verifying whether the keywords are matched, sending matched information to the verification unit when the keywords are matched, and sending unmatched information to the verification unit when the keywords are not matched; when the verification unit verifies that the application information meets the indemnity requirement, indemnity data are correspondingly generated and synchronized to the core server; when the application information does not accord with the claim compensation requirement, sending non-conforming information to the underwriting institution interface; when the application type is insurance policy inquiry, calling corresponding insurance policy information to the farmer unit through the insurance acceptance mechanism interface; when the application type is service evaluation, synchronizing the evaluated information to the core server; fourthly, the monitoring mechanism interface, the subsidy mechanism interface or the underwriting mechanism interface respectively acquires data related to the core server in real time and transmits the data to the monitoring mechanism, the subsidy mechanism or the underwriting mechanism through the corresponding interfaces; and the supervision mechanism interface, the subsidy mechanism interface or the underwriting mechanism interface also transmits the data updated by the supervision mechanism, the subsidy mechanism or the underwriting mechanism to the core server through the corresponding interfaces in real time.
Optionally, in the method for maintaining agricultural insurance application data by big data, in the third step, the application data includes a premium amount, and the premium amount is obtained by calculation through the following steps: step a1, calling the accurate graph data, extracting the special information related to the application information in the accurate graph dataThe eigenvalue is compared with the data corresponding to the application information, meanwhile, the application information is compared with the data obtained by the government authoritative data interface, and the calculation of the step a2 is carried out only when the data are matched with each other; a2, acquiring insurance types k corresponding to application information, the current agricultural period t and subsidy conditions B acquired by the interface of the subsidy mechanism; searching the corresponding risk coefficient according to the insurance category k
To calculate the risk coefficient corresponding to the application information, wherein t1…tTFor all T agricultural periods, R, corresponding to the insurance categoryTnThe weight of the risk factor corresponding to the Tth agricultural cycle, cnIs a risk factor; the risk factor K (t, c)n) Accumulating all risk factors in the agricultural period corresponding to the application information according to respective weights; step a3, the premium amount is the product of the subsidy amount and the risk coefficient corresponding to the application information, namely B multiplied by K (t, c)n)。
Optionally, in the method for maintaining agricultural insurance application data by big data, in the third step, the compensation data includes a compensated amount range, and the compensated amount range is obtained by calculating according to the following steps: b1, extracting keywords in the application information, inquiring information related to the insurance application area in the government authority data interface according to the keywords, inquiring characteristic values related to the application information in the accurate graph data according to the keywords, verifying whether the keywords are matched, and calculating in the b2 only when the keywords are matched; step b2, searching the risk factor c corresponding to the keywordnThe risk coefficient K (t, c) corresponding to the insurance type corresponding to the application informationn) (ii) a In step B3, the upper limit of the amount range of compensation is the subsidy amount divided by the risk factor, i.e., B/K (t, c)n)。
Optionally, in the method for maintaining agricultural insurance application data by big data, the risk factor c isnThe risk factor is weighted by the subordinate governmentHistorical statistics obtained by the authoritative data interface: each type of risk event that causes a disaster constitutes a risk factor cn，n>1, respectively counting the occurrence frequency and the influence magnitude of each risk factor in all agricultural periods, and taking the product of the probability and the influence magnitude as the weight of the risk factor; wherein the magnitude of the influence is at a value of [0, 1%]In the meantime.
Secondly, in order to realize above-mentioned purpose, still propose a big data maintenance agricultural insurance application data's system, include: the system comprises a core server, a farmer unit, a verification unit, a supervision agency interface, a subsidy agency interface, an insurance acceptance agency interface, a graphic server, a target image interpretation unit and a government authority data interface, wherein the farmer unit, the verification unit, the supervision agency interface, the subsidy agency interface, the insurance acceptance agency interface, the graphic server, the target image interpretation unit and the government authority data interface are in communication connection with the core server; the farmer unit is used for receiving application information of a user and feeding back the application information of the user to the core server; the farmer unit is also used for receiving policy information acquired by the core server during policy inquiry; the verification unit is to: receiving the insurance application data or the insurance refund data generated by the core server when the insurance application or the insurance refund is carried out; during real-time security, receiving matching information or unmatching information sent by the core server, checking whether the application information meets the indemnity requirement through the verification unit, correspondingly generating indemnity data and synchronizing to the core server when the application information meets the indemnity requirement, and sending non-conforming information to the underwriting institution interface when the application information does not meet the indemnity requirement; the supervising authority interface is used for providing data to the core server or receiving data related to the core server in real time; the subsidy mechanism interface is used for providing data to the core server or receiving data related to the data from the core server in real time; the underwriting mechanism interface is used for providing data to the core server or receiving data related to the core server in real time; the graphic server is used for receiving the accurate graphic data, extracting corresponding characteristics of the accurate graphic data according to a to-be-extracted project corresponding to the application information of the user, and feeding the extracted characteristics back to the core server; the target image interpretation unit is used for calling multi-source multi-temporal satellite image data corresponding to the geographic position coordinates according to the geographic position coordinates corresponding to the application information of the user to generate corresponding graphic data; the government authority data interface is used for providing data to the core server; the core server is in communication with the core server and interacts with the farmer unit, the verification unit, the regulatory agency interface, the subsidy agency interface, the underwriting agency interface, the graphic server, the target image interpretation unit and the government authority data interface to perform the steps of the method for big data maintenance of agricultural insurance application data as claimed in claims 1 to 4.
Optionally, in the system for maintaining agricultural insurance application data by big data, the farmer unit includes a farmer PC terminal and a farmer handheld terminal; the farmer PC end comprises software installed on the farmer PC end or a webpage which can be logged in by the farmer PC end so as to interact data with the core server through webservice service; the farmer handheld terminal comprises software installed on the farmer handheld terminal or a webpage capable of being logged in by the farmer handheld terminal, so that data can be interacted with the core server through a 4G network, a GSM network or a WiFi network.
Optionally, in the system for maintaining agricultural insurance application data by big data, the verification unit includes a nuclear order PC terminal and a nuclear order handheld terminal; the bill checking PC end comprises software installed on the bill checking PC end or a webpage which can be logged in by the bill checking PC end so as to interact data with the core server through web service; the core order hand-held terminal comprises software installed on the core order hand-held terminal or a webpage capable of being logged in by the core order hand-held terminal so as to interact data with the core server through a 4G network, a GSM network or a WiFi network
The invention also provides a storage medium for the big data maintenance agricultural insurance application data, which stores a program capable of being executed, and when the program is executed, the steps in any one of the methods are realized.
Advantageous effects
The invention carries out big data analysis on the application information uploaded by the peasant household by utilizing a supervisory organization interface, a subsidy organization interface, an underwriting organization interface, a graphic server, a target image interpretation unit and a government authoritative data interface through a computer technology. The invention can automatically verify the application information according to the information of the interface, thereby reducing the workload of the verification unit for processing and improving the verification efficiency. Due to the fact that the government authority data interface is accessed and the checking and data fusion can be carried out according to the multi-source multi-temporal satellite image data acquired by the target image interpretation unit, false insurance information can be effectively identified, and the situations of false underwriting, repeated underwriting, erroneous underwriting information, false claim settlement and the like are avoided. The invention can conveniently realize the online insurance application of farmers, the rapid verification of the insurance acceptance mechanism, the working efficiency of the insurance acceptance mechanism is improved, and the agricultural insurance information collection cost is reduced.
Additional features and advantages of the invention will be set forth in the description which follows, and in part will be obvious from the description, or may be learned by practice of the invention.
Drawings
The accompanying drawings are included to provide a further understanding of the invention and are incorporated in and constitute a part of this specification, illustrate embodiments of the invention and together with the description serve to explain the principles of the invention and not to limit the invention. In the drawings:
FIG. 1 is a block diagram of a system for big data maintenance of agricultural insurance application data according to the present invention.
Detailed Description
The preferred embodiments of the present invention will be described in conjunction with the accompanying drawings, and it will be understood that they are described herein for the purpose of illustration and explanation and not limitation.
FIG. 1 is a system for big data maintenance of agricultural insurance application data according to the present invention, which includes: the system comprises a core server 1, and a farmer unit 2, a verification unit 3, a supervision institution interface 4, a subsidy institution interface 5, an insurance acceptance institution interface 6, a graphic server 7, a target image interpretation unit 8 and a government authority data interface 9 which are in communication connection with the core server 1; the farmer unit 2 is used for receiving application information of a user and feeding back the application information of the user to the core server 1; the farmer unit 2 is further configured to receive policy information acquired by the core server 1 during policy query; the verification unit 3 is configured to: receiving the insurance application data or the insurance refund data generated by the core server 1 when insurance application or refund is carried out; during real-time security, receiving matching information or unmatched information sent by the core server 1, checking whether the application information meets the indemnity requirement through the verification unit 3, correspondingly generating indemnity data and synchronizing to the core server 1 when the application information meets the indemnity requirement, and sending non-conforming information to the underwriting institution interface 6 when the application information does not meet the indemnity requirement; the supervisor interface 4 is used for providing data to the core server 1 or receiving data related to the core server 1 in real time; the subsidy organization interface 5 is used for providing data to the core server 1 or receiving data related to the data from the core server 1 in real time; the underwriting mechanism interface 6 is used for providing data to the core server 1 or receiving data related to the core server 1 in real time; the graphic server 7 is configured to receive the accurate graphic data, extract corresponding features of the accurate graphic data according to a to-be-extracted item corresponding to the application information of the user, and feed back the extracted features to the core server 1; the target image interpretation unit 8 is used for calling multi-source multi-temporal satellite image data corresponding to the geographic position coordinates according to the geographic position coordinates corresponding to the application information of the user to generate corresponding graphic data; the government authority data interface 9 is used for providing data to the core server 1; the core server 1 is in communication connection with the core server 1, and the farmer unit 2, the verification unit 3, the supervision agency interface 4, the subsidy agency interface 5, the underwriting agency interface 6, the graphic server 7, the target image interpretation unit 8 and the government authority data interface 9 interact to execute the following steps:
firstly, a farmer unit 2 receives application information of a user and feeds the application information of the user back to a core server 1;
secondly, the core server 1 calls a corresponding monitoring organization interface 4, a subsidy organization interface 5, an insurance acceptance organization interface 6, a graphic server 7, a target image interpretation unit 8 or a government authority data interface 9 according to the application type corresponding to the application information of the user; the target image interpretation unit 8 calls multi-source multi-temporal satellite image data corresponding to a geographic position coordinate according to a geographic position coordinate corresponding to application information of a user to generate corresponding graphic data, the core server 1 receives the graphic data, superposes and fuses the graphic data and corresponding data of a government authoritative data interface 9 to obtain accurate graphic data, the accurate graphic data are interactively transmitted to the graphic server 7 through webservice service, the graphic server 7 extracts corresponding features of the accurate graphic data according to an item to be extracted corresponding to the application information of the user, and the extracted features are fed back to the core server 1;
thirdly, when the application type is insurance application or insurance withdrawal, calling the accurate graph data, extracting a characteristic value related to application information in the accurate graph data, comparing the characteristic value with data corresponding to the application information, simultaneously comparing the application information with data obtained by a government authoritative data interface 9, when the data are matched with each other, calculating a premium according to an insurance type corresponding to the application information, a charging gear of the current agricultural period and a subsidy condition obtained by the subsidy agency interface 5, synchronizing the application information to the verification unit 3, and when the verification unit 3 verifies that the application information meets the insurance application or insurance withdrawal requirements, correspondingly generating insurance application data or insurance withdrawal data and synchronizing the insurance application data to the core server 1; when the data do not match each other, sending information of mismatch to the verification unit 3;
when the application type is a real-time application, extracting keywords in the application information, inquiring information related to the insurance application area in the government authority data interface 9 according to the keywords, inquiring characteristic values related to the application information in the accurate graph data according to the keywords, verifying whether the keywords are matched, sending matched information to the verification unit 3 when the keywords are matched, and sending unmatched information to the verification unit 3 when the keywords are not matched; when the verification unit 3 verifies that the application information meets the indemnity requirement, indemnity data is correspondingly generated and synchronized to the core server 1; when the application information does not accord with the claim compensation requirement, sending non-conforming information to the underwriting institution interface 6;
when the application type is policy inquiry, calling corresponding policy information to the farmer unit 2 through the insurance mechanism interface 6;
when the application type is service evaluation, synchronizing the evaluated information to the core server 1; fourthly, the monitoring mechanism interface 4, the subsidy mechanism interface 5 or the underwriting mechanism interface 6 respectively acquires data related to the core server 1 in real time and transmits the data to the monitoring mechanism, the subsidy mechanism or the underwriting mechanism through corresponding interfaces; the monitoring mechanism interface 4, the subsidy mechanism interface 5 or the underwriting mechanism interface 6 also transmits the data updated by the monitoring mechanism, the subsidy mechanism or the underwriting mechanism to the core server 1 through the corresponding interfaces in real time.
In the third step, the insurance data comprises premium amount, and the premium amount is obtained by calculation through the following steps: a1, calling the accurate graph data, extracting the characteristic value related to the application information in the accurate graph data, comparing the characteristic value with the data corresponding to the application information, comparing the application information with the data obtained by the government authoritative data interface 9, and only when the data are matched with each other, performing the calculation of the step a 2; a2, acquiring insurance types k corresponding to application information, the current agricultural period t and the subsidy condition B acquired by the subsidy organization interface 5; searching the corresponding risk coefficient according to the insurance category k
To calculate the risk coefficient corresponding to the application information, wherein t1…tTFor all T agricultural periods, R, corresponding to the insurance categoryTnThe weight of the risk factor corresponding to the Tth agricultural cycle, cnIs a risk factor; the risk factorK(t,cn) Accumulating all risk factors in the agricultural period corresponding to the application information according to respective weights; step a3, the premium amount is the product of the subsidy amount and the risk coefficient corresponding to the application information, namely B multiplied by K (t, c)n)。
Similarly, the compensation data includes a compensated range of amounts calculated by: b1, extracting keywords in the application information, inquiring information related to the insurance application area in the government authority data interface 9 according to the keywords, inquiring characteristic values related to the application information in the accurate graph data according to the keywords, verifying whether the keywords are matched, and calculating in the b2 only when the keywords are matched; step b2, searching the risk factor c corresponding to the keywordnThe risk coefficient K (t, c) corresponding to the insurance type corresponding to the application informationn) (ii) a In step B3, the upper limit of the amount range of compensation is the subsidy amount divided by the risk factor, i.e., B/K (t, c)n)。
And the risk factor c mentioned abovenThe risk factor weights are obtained from historical statistics obtained from government authority data interface 9. The specific mode of obtaining is as follows: counting each type of risk event causing the disaster, and defining each type of risk event as a risk factor cn，n>1, respectively counting the occurrence frequency and the influence magnitude of each risk factor in all agricultural periods, and taking the product of the probability and the influence magnitude as the weight of the risk factor; wherein the magnitude of the influence is at a value of [0, 1%]In the meantime.
For convenient operation, the farmer unit 2 in the system comprises a farmer PC end and a farmer handheld end; the farmer PC end comprises software installed on the farmer PC end or a webpage which can be logged in by the farmer PC end so as to interact data with the core server 1 through webservice service; the farmer handheld terminal comprises software installed on the farmer handheld terminal or a webpage capable of being logged in by the farmer handheld terminal, so that data can be interacted with the core server 1 through a 4G network, a GSM network or a WiFi network. The verification unit 3 in the system comprises a verification PC end and a verification handheld end; the bill checking PC end comprises software installed on the bill checking PC end or a webpage which can be logged in by the bill checking PC end so as to interact data with the core server 1 through web service; the core order hand-held terminal comprises software installed on the core order hand-held terminal or a webpage which can be logged in by the core order hand-held terminal so as to interact data with the core server 1 through a 4G network, a GSM network or a WiFi network.
Therefore, the invention can effectively identify false insurance information and avoid the situations of false underwriting, repeated underwriting, wrong underwriting information, false claim settlement and the like. The invention can conveniently realize the online insurance application of farmers, the rapid verification of the insurance acceptance mechanism, the working efficiency of the insurance acceptance mechanism is improved, and the agricultural insurance information collection cost is reduced.
Those of ordinary skill in the art will understand that: although the present invention has been described in detail with reference to the foregoing embodiments, it will be apparent to those skilled in the art that changes may be made in the embodiments and/or equivalents thereof without departing from the spirit and scope of the invention. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (6)
1. A method for maintaining agricultural insurance application data by big data is characterized by comprising the following steps:
firstly, a farmer unit (2) receives application information of a user and feeds the application information of the user back to a core server (1);
secondly, the core server (1) calls a corresponding monitoring institution interface (4), a subsidy institution interface (5), an insurance acceptance institution interface (6), a graphic server (7), a target image interpretation unit (8) or a government authority data interface (9) according to the application type corresponding to the application information of the user;
the target image interpretation unit (8) calls multi-source multi-temporal satellite image data corresponding to geographic position coordinates according to the geographic position coordinates corresponding to application information of a user to generate corresponding graphic data, the core server (1) receives the graphic data, superposes and fuses the graphic data and corresponding data of a government authoritative data interface (9) to obtain accurate graphic data, the accurate graphic data are interactively transmitted to the graphic server (7) through webservice service, the graphic server (7) extracts corresponding features of the accurate graphic data according to-be-extracted items corresponding to the application information of the user, and the features are fed back to the core server (1);
thirdly, when the application type is insurance application or insurance removal, calling the accurate graph data, extracting a characteristic value related to application information in the accurate graph data, comparing the characteristic value with data corresponding to the application information, simultaneously comparing the application information with data obtained by a government authoritative data interface (9), when the data are matched with each other, calculating insurance premium according to the insurance type corresponding to the application information, the charging gear of the current agricultural period and the subsidy condition obtained by the subsidy agency interface (5), synchronizing the application information to a verification unit (3), and when the verification unit (3) verifies that the application information meets the insurance application or insurance removal requirements, correspondingly generating insurance application data or insurance removal data and synchronizing the insurance application data to the core server (1); when the data do not match each other, sending information of mismatch to the verification unit (3);
when the application type is a real-time application, extracting keywords in the application information, inquiring information related to the insurable area in the government authority data interface (9) according to the keywords, inquiring characteristic values related to the application information in the accurate graph data according to the keywords, verifying whether the keywords are matched, sending matching information to the verification unit (3) when the keywords are matched, and sending unmatched information to the verification unit (3) when the keywords are not matched; when the verification unit (3) verifies that the application information meets the indemnity requirement, indemnity data are correspondingly generated and synchronized to the core server (1); when the application information does not accord with the claim compensation requirement, sending non-conforming information to the underwriting institution interface (6);
when the application type is insurance policy inquiry, corresponding insurance policy information is called to the farmer unit (2) through the insurance acceptance mechanism interface (6);
when the application type is service evaluation, synchronizing the evaluated information to the core server (1);
fourthly, the monitoring mechanism interface (4), the subsidy mechanism interface (5) or the underwriting mechanism interface (6) respectively acquires data related to the core server (1) in real time and transmits the data to the monitoring mechanism, the subsidy mechanism or the underwriting mechanism through corresponding interfaces; the monitoring mechanism interface (4), the subsidy mechanism interface (5) or the underwriting mechanism interface (6) also transmits the data updated by the monitoring mechanism, the subsidy mechanism or the underwriting mechanism to the core server (1) through corresponding interfaces in real time;
in the third step, the insurance data includes premium amount, and the premium amount is obtained by calculating according to the following steps:
a1, calling the accurate graph data, extracting the characteristic value related to the application information in the accurate graph data, comparing the characteristic value with the data corresponding to the application information, meanwhile, comparing the application information with the data obtained by the government authoritative data interface (9), and only when the data are matched with each other, performing the calculation of the step a 2;
a2, acquiring insurance types k corresponding to application information, the current agricultural period t and subsidy conditions B acquired by the subsidy organization interface (5); searching the corresponding risk coefficient according to the insurance category k
Calculating a risk coefficient corresponding to the application information, wherein T1 … tT is all T agricultural periods corresponding to the insurance category, RTn is a risk factor weight corresponding to the Tth agricultural period, and cn is a risk factor; the risk coefficient K (t, cn) is obtained by accumulating all risk factors in the agricultural period corresponding to the application information according to respective weights;
step a3, the premium amount is the product of the subsidy amount and the risk coefficient corresponding to the application information, namely B multiplied by K (t, cn);
in the third step, the compensation data includes a compensated range of amounts, which is calculated by:
b1, extracting keywords in the application information, inquiring information related to the insurance application area in the government authority data interface (9) according to the keywords, inquiring characteristic values related to the application information in the accurate graph data according to the keywords, verifying whether the keywords are matched, and calculating in the b2 only when the keywords are matched;
b2, searching a risk factor cn corresponding to the keyword, and calculating a risk coefficient K (t, cn) corresponding to the insurance type corresponding to the application information;
in step B3, the upper limit of the amount range of the compensation is the subsidy amount divided by the risk factor, i.e., B/K (t, cn).
2. The method for big data maintenance of agricultural insurance application data according to claim 1, wherein the risk factor cn and the weight of the risk factor are respectively obtained from historical statistics obtained from government authority data interface (9):
forming a risk factor cn for each type of risk event causing the disaster, respectively counting the frequency and the influence of each risk factor in all agricultural periods, and taking the product of the frequency and the influence as the weight of the risk factor; wherein the magnitude of the influence is between [0,1 ].
3. A system for big data maintenance of agricultural insurance application data, comprising: the system comprises a core server (1), and a farmer unit (2), a verification unit (3), a supervision agency interface (4), a subsidy agency interface (5), an insurance acceptance agency interface (6), a graphic server (7), a target image interpretation unit (8) and a government authority data interface (9) which are in communication connection with the core server (1); the farmer unit (2) is used for receiving application information of a user and feeding back the application information of the user to the core server (1); the farmer unit (2) is also used for receiving policy information acquired by the core server (1) during policy query;
the verification unit (3) is configured to: receiving the insurance application data or the insurance refund data generated by the core server (1) when insurance application or refund is carried out; during real-time security, receiving matching information or unmatched information sent by the core server (1), checking whether the application information meets the indemnity requirement through the checking unit (3), correspondingly generating indemnity data and synchronizing to the core server (1) when the application information meets the indemnity requirement, and sending the unmatched information to the underwriting institution interface (6) when the application information does not meet the indemnity requirement;
the supervisor interface (4) is used for providing data to the core server (1) or receiving data related to the core server (1) in real time;
the subsidy organization interface (5) is used for providing data to the core server (1) or receiving data related to the core server (1) in real time;
the underwriting mechanism interface (6) is used for providing data to the core server (1) or receiving data related to the core server (1) in real time;
the graph server (7) is used for receiving the accurate graph data, extracting corresponding features of the accurate graph data according to a to-be-extracted project corresponding to the application information of the user, and feeding the extracted features back to the core server (1);
the target image interpretation unit (8) is used for calling multi-source multi-temporal satellite image data corresponding to the geographic position coordinates according to the geographic position coordinates corresponding to the application information of the user to generate corresponding graphic data;
the government authority data interface (9) is used for providing data to the core server (1);
the core server (1) is in communication connection with the core server (1) through a farmer unit (2), a verification unit (3), a regulatory agency interface (4), a subsidy agency interface (5), an underwriting agency interface (6), a graphic server (7), a target image interpretation unit (8) and a government authority data interface (9) to interact to execute the steps of the big data maintenance agricultural insurance application data method of claims 1-2.
4. The big data maintenance agricultural insurance application data system of claim 3, wherein the farmer unit (2) includes a farmer PC end and a farmer handheld end;
the farmer PC end interacts data with the core server (1) through webservice service;
the farmer handheld end interacts data with the core server (1) through a 4G network, a GSM network or a WiFi network.
5. The big data maintenance agricultural insurance application data system of claim 4, wherein the verification unit (3) comprises a nuclear order PC terminal and a nuclear order hand-held terminal;
the core bill PC end interacts data with the core server (1) through webservice service;
and the nuclear order handheld end interacts data with the core server (1) through a 4G network, a GSM network or a WiFi network.
6. A storage medium for big data maintenance agricultural insurance application data, characterized in that it stores a program for execution, which when executed, implements the steps of the method of any one of claims 1 to 2.
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| CN201910048251.XA CN109829832B (en) | 2019-01-18 | 2019-01-18 | Method, system and storage medium for maintaining agricultural insurance application data by big data |
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| CN201910048251.XA CN109829832B (en) | 2019-01-18 | 2019-01-18 | Method, system and storage medium for maintaining agricultural insurance application data by big data |
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| CN115187413B (en) * | 2022-07-13 | 2023-09-05 | 阳光农业相互保险公司 | Agricultural insurance underwriting method based on land right information construction |
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