CN110415130A - Agricultural insurance Claims Resolution method, apparatus, equipment and computer readable storage medium - Google Patents
Agricultural insurance Claims Resolution method, apparatus, equipment and computer readable storage medium Download PDFInfo
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Abstract
The invention belongs to technical field of data processing, a kind of agricultural insurance Claims Resolution method, apparatus, equipment and computer readable storage medium are provided, this method comprises: extracting declaration form number, the geographical location information in disaster area and disaster-stricken crops when receiving agricultural insurance Claims Resolution request；It is numbered and is obtained referring to remote sensing image and history remote sensing image according to declaration form, and, the current remote sensing image in default remote sensing system shooting disaster area is controlled according to the geographical location information in disaster area；According to referring to remote sensing image, disaster-stricken crops region is marked off from history remote sensing image and current remote sensing image, as target area；Identifying water boy is carried out to history remote sensing image target area and current remote sensing image target area, to determine disaster-stricken preceding remote sensing image and disaster-stricken rear remote sensing image from history remote sensing image and current remote sensing image；According to disaster-stricken preceding remote sensing image and disaster-stricken rear remote sensing image, Claims Resolution scheme is determined.The present invention can shorten the Claims Resolution period, improve customer satisfaction.
Description
Technical field
The present invention relates to technical field of data processing more particularly to a kind of agricultural insurance Claims Resolution method, apparatus, equipment and meter
Calculation machine readable storage medium storing program for executing.
Background technique
Agricultural insurance, refer to insurance institution according to agricultural insurance contract, to insured people in agricultural production process because protecting
Property loss caused by the accidents such as the natural calamity that dangerous target is arranged undertakes the insurance activity of compensation insurance gold responsibility.Mesh
Before, insurance institution accept a wide range of water disaster agricultural insurance Claims Resolution when, need largely to survey personnel to disaster-stricken crops into
Row setting loss, time-consuming, and the accuracy of artificial setting loss on the spot not can guarantee, and causing to settle a claim, the period is long, customer satisfaction is low.
Summary of the invention
The main purpose of the present invention is to provide a kind of agricultural insurance Claims Resolution method, apparatus, equipment and computer-readable deposit
Storage media, it is intended to which solving artificial setting loss on the spot, time-consuming, accuracy not can guarantee, and causing to settle a claim, the period is long, customer satisfaction is low
The technical issues of.
To achieve the above object, the present invention provides a kind of agricultural insurance Claims Resolution method, the agricultural insurance Claims Resolution method packet
Include following steps:
When receive agricultural insurance Claims Resolution request when, from the agricultural insurance Claims Resolution request in extract declaration form number, it is disaster-stricken
The geographical location information in area and disaster-stricken crops；
According to the declaration form number, from prestore obtained in Remote Sensing Image Database it is corresponding referring to remote sensing image and history it is distant
Feel image, and, according to the geographical location information in the disaster area, control the current of default remote sensing system shooting disaster area
Remote sensing image；
According to described referring to remote sensing image, marked off from the history remote sensing image and the current remote sensing image respectively
The disaster-stricken crops region, as target area；
Identifying water boy is carried out to history remote sensing image target area and the current remote sensing image target area respectively,
To determine disaster-stricken preceding remote sensing image and disaster-stricken rear remote sensing image from the history remote sensing image and the current remote sensing image；
According to the disaster-stricken preceding remote sensing image and the disaster-stricken rear remote sensing image, determine that the water of crossing of the disaster-stricken crops is held
Continuous time, discharge area and the depth of water excessively are shallow, and shallow according to water duration, the discharge area and the depth of water of crossing crossed,
Determine Claims Resolution scheme.
Optionally, it is described respectively to history remote sensing image target area and the current remote sensing image target area into
Row identifying water boy, with from determined in the history remote sensing image and the current remote sensing image disaster-stricken preceding remote sensing image and it is disaster-stricken after
The step of remote sensing image includes:
Using object-oriented image analysis, respectively to history remote sensing image target area and the current remote sensing shadow
As target area progress identifying water boy, to determine target area from the history remote sensing image and the current remote sensing image
There is no the remote sensing image of water body and target area, there are the remote sensing images of water body；
Disaster-stricken preceding remote sensing image is determined in remote sensing image from the target area there is no water body, and, from the mesh
Marking region, there are disaster-stricken rear remote sensing image is determined in the remote sensing image of water body.
Optionally, described to use object-oriented image analysis, respectively to history remote sensing image target area and institute
Stating the step of current remote sensing image target area carries out identifying water boy includes:
History remote sensing image target area and the current remote sensing image target area are pre-processed respectively；
Respectively to pretreated history remote sensing image target area and the current remote sensing image target area into
Row Image Segmentation obtains the first imaged object and its feature of history remote sensing image target area, and, it is described current distant
Feel the second imaged object and its feature of image target region；
Identifying water boy is carried out to history remote sensing image target area according to first imaged object and its feature, with
And identifying water boy is carried out to the current remote sensing image target area according to second imaged object and its feature.
Optionally, the step of disaster-stricken preceding remote sensing image is determined in the remote sensing image from the target area there is no water body
Suddenly include:
In remote sensing image from the target area there is no water body, determine that shooting time is apart from current time nearest
Remote sensing image, as disaster-stricken preceding remote sensing image.
Optionally, the step of disaster-stricken rear remote sensing image is determined in the remote sensing image from the target area there are water body
Include:
In remote sensing image from the target area there are water body, the maximum remote sensing image of water-outlet body range is determined, as
Remote sensing image after disaster-stricken.
Optionally, it is described according to the disaster-stricken preceding remote sensing image and it is described it is disaster-stricken after remote sensing image, determine described by devastation-peasant
Crossing water duration, discharge area and crossing the shallow step of the depth of water for crop include:
The shooting time for calculating the disaster-stricken preceding remote sensing image and the disaster-stricken rear remote sensing image is poor, as described by devastation-peasant
It's the water duration pasts crop；
By the water body range of the disaster-stricken rear remote sensing image target area, it is determined as the flow surface of the disaster-stricken crops
Product；
By presetting depth of water model, the bathymetric data of disaster-stricken rear remote sensing image target area water body described in inverting, as institute
The mistake depth of water for stating disaster-stricken crops is shallow.
Optionally, described shallow according to water duration, the discharge area and the depth of water of crossing crossed, determine Claims Resolution side
The step of case includes:
It is shallow according to the water duration excessively, the discharge area and the depth of water excessively, divide the disaster-stricken crops
Disaster-stricken grade；
According to the disaster-stricken grade, Claims Resolution scheme is determined.
In addition, to achieve the above object, the present invention also provides agricultural insurance Claims Resolution device, the agricultural insurance Claims Resolution device
Include:
Extraction module, for being extracted from agricultural insurance Claims Resolution request when receiving agricultural insurance Claims Resolution request
Declaration form number, the geographical location information in disaster area and disaster-stricken crops；
Obtain module, for according to the declaration form number, from prestore obtained in Remote Sensing Image Database it is corresponding referring to distant
Feel image and history remote sensing image, and, according to the geographical location information in the disaster area, control default remote sensing system shooting
The current remote sensing image in disaster area；
Division module, for according to described referring to remote sensing image, respectively from the history remote sensing image and described current distant
The disaster-stricken crops region is marked off in sense image, as target area；
Identification module, for respectively to history remote sensing image target area and the current remote sensing image target area
Identifying water boy is carried out, to determine disaster-stricken preceding remote sensing image and disaster-stricken from the history remote sensing image and the current remote sensing image
Remote sensing image afterwards；
Determining module, for determining described disaster-stricken according to the disaster-stricken preceding remote sensing image and the disaster-stricken rear remote sensing image
Crops cross the water duration, discharge area and cross the depth of water it is shallow, and according to it is described cross the water duration, the discharge area and
The depth of water of crossing is shallow, determines Claims Resolution scheme.
In addition, to achieve the above object, the present invention also provides a kind of agricultural insurance Claims Resolution equipment, the agricultural insurance Claims Resolution
Equipment includes processor, memory and is stored on the memory and can be managed by the agricultural insurance that the processor executes
Program is paid for, wherein realizing such as above-mentioned agricultural insurance Claims Resolution side when agricultural insurance Claims Resolution program is executed by the processor
The step of method.
In addition, to achieve the above object, it is described computer-readable the present invention also provides a kind of computer readable storage medium
Agricultural insurance Claims Resolution program is stored on storage medium, wherein realizing when agricultural insurance Claims Resolution program is executed by processor
Such as the step of above-mentioned agricultural insurance Claims Resolution method.
The present invention provides a kind of agricultural insurance Claims Resolution method, when receiving agricultural insurance Claims Resolution request, first from the request
Middle extraction declaration form number, the geographical location information in disaster area and disaster-stricken crops, number according to the declaration form of extraction, distant from prestoring
Corresponding reference remote sensing image and history remote sensing image are obtained in sense image database, and, according to the geographical position in disaster area
Confidence breath controls the current remote sensing image in default remote sensing system shooting disaster area, further according to referring to remote sensing image, respectively from going through
Disaster-stricken crops region is marked off in history remote sensing image and current remote sensing image, as target area, later, respectively to going through
History remote sensing image target area and current remote sensing image target area carry out identifying water boy, with from history remote sensing image and current distant
Feel and determine disaster-stricken preceding remote sensing image and disaster-stricken rear remote sensing image in image, further according to disaster-stricken preceding remote sensing image and disaster-stricken rear remote sensing shadow
Picture determines that water duration excessively, discharge area and the depth of water excessively of disaster-stricken crops are shallow, and according to water duration, the mistake excessively
Water area and the depth of water excessively are shallow, determine Claims Resolution scheme, realize and carry out setting loss to disaster-stricken crops using remote sensing technology, compared to biography
The artificial setting loss of system, efficiency and accuracy are greatly improved, and then shorten the Claims Resolution period, improve customer satisfaction.
Detailed description of the invention
Fig. 1 is the hardware structural diagram of the Claims Resolution equipment of agricultural insurance involved in the embodiment of the present invention；
Fig. 2 is the flow diagram of agricultural insurance of the present invention Claims Resolution method first embodiment；
Fig. 3 is the flow diagram of agricultural insurance of the present invention Claims Resolution method second embodiment；
Fig. 4 is the functional block diagram of agricultural insurance of the present invention Claims Resolution device first embodiment.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The present embodiments relate to agricultural insurance Claims Resolution method be mainly used in agricultural insurance Claims Resolution equipment, the agricultural guarantor
Danger Claims Resolution equipment can be that personal computer (personal computer, PC), server etc. are having data processing function to be set
It is standby.
Referring to Fig.1, Fig. 1 is the hardware configuration signal of the Claims Resolution equipment of agricultural insurance involved in the embodiment of the present invention
Figure.In the embodiment of the present invention, agricultural insurance Claims Resolution equipment may include (such as the central processing unit Central of processor 1001
Processing Unit, CPU), communication bus 1002, user interface 1003, network interface 1004, memory 1005.Wherein,
Communication bus 1002 is for realizing the connection communication between these components；User interface 1003 may include display screen
(Display), input unit such as keyboard (Keyboard)；Network interface 1004 optionally may include that the wired of standard connects
Mouth, wireless interface (such as Wireless Fidelity WIreless-FIdelity, WI-FI interface)；Memory 1005 can be high speed and deposit at random
Access to memory (random access memory, RAM), is also possible to stable memory (non-volatile memory),
Such as magnetic disk storage, memory 1005 optionally can also be the storage device independently of aforementioned processor 1001.This field
Technical staff is appreciated that hardware configuration shown in Fig. 1 and does not constitute a limitation of the invention, and may include more than illustrating
Or less component, perhaps combine certain components or different component layouts.
With continued reference to Fig. 1, the memory 1005 in Fig. 1 as a kind of computer storage medium may include operating system,
Network communication module and agricultural insurance Claims Resolution program.In Fig. 1, processor 1001, which can call, to be stored in memory 1005
Agricultural insurance Claims Resolution program, and the agricultural insurance Claims Resolution method of various embodiments of the present invention offer is provided.
The embodiment of the invention provides a kind of agricultural insurance Claims Resolution methods.
It is the flow diagram of agricultural insurance of the present invention Claims Resolution method first embodiment referring to Fig. 2, Fig. 2.
In the present embodiment, which settles a claim method by agricultural insurance Claims Resolution equipment realization, and agricultural insurance Claims Resolution is set
It is standby to can be the equipment having data processing function such as personal computer, server, the agricultural insurance Claims Resolution method include with
Lower step:
Step S10 extracts declaration form from agricultural insurance Claims Resolution request and compiles when receiving agricultural insurance Claims Resolution request
Number, the geographical location information in disaster area and disaster-stricken crops；
Crops cross the Claims Resolution scene of water disaster caused by the present embodiment is suitable for because of flood, typhoon etc..The present embodiment by
When managing agricultural insurance Claims Resolution, therefore satellite remote sensing system need to be built in advance by carrying out setting loss to disaster-stricken crops using remote sensing technology
(remote sensor including satellite and its carrying) or experiment of UAV remote sensing system (remote sensor including unmanned plane and its carrying), then builds
Communication connection between vertical server and satellite remote sensing system or experiment of UAV remote sensing system, so that server is to satellite remote sensing system
Or experiment of UAV remote sensing system is managed.
In the present embodiment, server is after the insurance contract of insured people comes into force, can control satellite remote sensing system or nobody
Machine remote sensing system periodically shot the high-resolution remote sensing image for target location of accepting insurance, such as at interval of shooting one in 12 hours
It is secondary, by captured every time remote sensing image, shooting time and declaration form number associated storage in the remote sensing of agricultural insurance Claims Resolution equipment
In image database.Wherein, it for the remote sensing image (remote sensing image when being defaulted as no disaster-stricken) shot for the first time, then sketches out
Plot where target of accepting insurance, the remote sensing image in plot is stored in agricultural as referring to remote sensing image where having delineated target of accepting insurance
In the Remote Sensing Image Database of settlement of insurance claim equipment.
In the present embodiment, insured people can protect the two dimensional code triggering on card by scanning electron in insurance service application program
Agricultural insurance Claims Resolution request.Specifically, server can also number according to declaration form after the insurance contract of insured people comes into force and generate two
Code is tieed up, two dimensional code is associated with corresponding warranty details, is stored in the declaration form database of agricultural insurance Claims Resolution equipment.It
Afterwards, it electronics is generated based on accept insurance target and the two dimensional code in warranty details protects card and is stored in the electronics of agricultural insurance Claims Resolution equipment and protect
In card database, that is to say, that electronics, which is protected, is identified with two dimensional code and brief description (such as the wheat 30 of accepting insurance about target on card
Mu).In this way, when the target of accepting insurance of insured people is disaster-stricken, insured people can be in its terminal (such as smart phone, tablet computer, PC
Deng) on log in insurance service application program, and in insurance service application program click electronics protect card option, triggering electronics protect card
Display request, agricultural insurance Claims Resolution equipment, which receives the electronics and protects, blocks display request, protects in card database and is obtained accordingly from electronics
Electronics protects card, is loaded onto insurance service application program and is shown.Later, insured people can be in insurance service application program
Scanning electron protects the two dimensional code on card, triggers warranty details acquisition request, and agricultural insurance Claims Resolution equipment receives the warranty details and obtains
Take request, from declaration form database obtain with the associated warranty details of the two dimensional code, be loaded onto insurance service application program into
Row display, is checked for insured people, can be clicked " online Claims Resolution " after insured people's confirmation is errorless in insurance service application program and be pressed
Button, triggering agricultural insurance Claims Resolution request, at this point, server receive carry declaration form number, disaster area geographical location information and
The agricultural insurance of disaster-stricken crop specie, which is settled a claim, requests, and extracts agricultural insurance declaration form from agricultural insurance Claims Resolution request and compile
Number, the geographical location information in disaster area and disaster-stricken crops.
Step S20 is numbered according to the declaration form, and corresponding reference remote sensing image is obtained in Remote Sensing Image Database from prestoring
With history remote sensing image, and, according to the geographical location information in the disaster area, control default remote sensing system and shoot disaster site
The current remote sensing image in area；
Later, it is retrieved and is extracted corresponding referring to remote sensing image and history from image database according to declaration form number
Remote sensing image.Meanwhile according to the geographical location information of devastated, satellite remote sensing system or experiment of UAV remote sensing system shooting are controlled
The current remote sensing image in disaster area.
Step S30, according to described referring to remote sensing image, respectively from the history remote sensing image and the current remote sensing image
In mark off the disaster-stricken crops region, as target area；
Current remote sensing image and history remote sensing image are compared with referring to remote sensing image respectively, with from current remote sensing shadow
Disaster-stricken crops region (being defined as target area) is marked off in picture and history remote sensing image.
Step S40 respectively carries out history remote sensing image target area and the current remote sensing image target area
Identifying water boy, with determined from the history remote sensing image and the current remote sensing image disaster-stricken preceding remote sensing image and it is disaster-stricken after it is distant
Feel image；
Later, identifying water boy is carried out to target area in current remote sensing image target area and history remote sensing image respectively,
To determine disaster-stricken preceding remote sensing image and disaster-stricken rear remote sensing image from current remote sensing image and history remote sensing image.Specifically,
Object-oriented image analysis (Object Based Image Analysis, OBIA) can be used, in image multi-scale division
On the basis of generating imaged object, make full use of imaged object spectrum, texture, shape, size characteristic and its with neighbouring object, father
Relationship etc. between object, subobject establishes the rule set of water body information, realizes to history remote sensing image target area and works as
The identifying water boy of preceding remote sensing image target area, with from history remote sensing image target area and current remote sensing image target area
In, target area is determined there is no the remote sensing image of water body and there are the remote sensing image of water body and its water body ranges for target area.
Again in the remote sensing image from target area there is no water body, the shooting time remote sensing image nearest from current time is determined, make
For disaster-stricken preceding remote sensing image；In remote sensing image from target area there are water body, the maximum remote sensing image of water-outlet body range is determined,
As disaster-stricken rear remote sensing image.
Step S50 determines the disaster-stricken crops according to the disaster-stricken preceding remote sensing image and the disaster-stricken rear remote sensing image
Cross water duration, discharge area and to cross the depth of water shallow, and spend water duration, the discharge area and the mistake according to described
The depth of water is shallow, determines Claims Resolution scheme.
Later, according to disaster-stricken preceding remote sensing image and disaster-stricken rear remote sensing image, that is, it can determine that the water of crossing of disaster-stricken crops continues
Time, discharge area and the depth of water excessively are shallow.Specifically, the shooting time and disaster-stricken rear remote sensing image of disaster-stricken preceding remote sensing image are calculated
The difference of shooting time, obtain disaster-stricken crops spends the water duration；The water body model of remote sensing image target area after will be disaster-stricken
It encloses, the discharge area as disaster-stricken crops；(it is specifically as follows multiband combination linear by default depth of water model and returns mould
Type), the bathymetric data of remote sensing image target area water body, the mistake depth of water as disaster-stricken crops are shallow after inverting is disaster-stricken.Then, root
It is shallow according to the water duration excessively of disaster-stricken crops, discharge area and the depth of water excessively, disaster-stricken grade is divided, further according to disaster-stricken grade, really
Determine the corresponding Claims Resolution scheme of disaster-stricken crops.Wherein, how to divide disaster-stricken grade and how to be determined according to disaster-stricken grade and settled a claim
The concrete mode of scheme can flexibly be handled based on actual conditions, and the present embodiment is not especially limited.
The present embodiment provides a kind of industry settlement of insurance claim methods, when receiving agricultural insurance Claims Resolution request, first from the request
Middle extraction declaration form number, the geographical location information in disaster area and disaster-stricken crops, number according to the declaration form of extraction, distant from prestoring
Corresponding reference remote sensing image and history remote sensing image are obtained in sense image database, and, according to the geographical position in disaster area
Confidence breath controls the current remote sensing image in default remote sensing system shooting disaster area, further according to referring to remote sensing image, respectively from going through
Disaster-stricken crops region is marked off in history remote sensing image and current remote sensing image, as target area, later, respectively to going through
History remote sensing image target area and current remote sensing image target area carry out identifying water boy, with from history remote sensing image and current distant
Feel and determine disaster-stricken preceding remote sensing image and disaster-stricken rear remote sensing image in image, further according to disaster-stricken preceding remote sensing image and disaster-stricken rear remote sensing shadow
Picture determines that water duration excessively, discharge area and the depth of water excessively of disaster-stricken crops are shallow, and according to water duration, the mistake excessively
Water area and the depth of water excessively are shallow, determine Claims Resolution scheme, realize and carry out setting loss to disaster-stricken crops using remote sensing technology, compared to biography
The artificial setting loss of system, efficiency and accuracy are greatly improved, and then shorten the Claims Resolution period, improve customer satisfaction.
Further, the second embodiment of agricultural insurance Claims Resolution method of the present invention is proposed based on first embodiment.Agricultural is protected
The second embodiment of danger Claims Resolution method and the difference of the first embodiment of agricultural insurance Claims Resolution method are, referring to Fig. 3, the step
Rapid 40 include that may include:
Step S41 to history remote sensing image target area and described is worked as respectively using object-oriented image analysis
Preceding remote sensing image target area carries out identifying water boy, to determine from the history remote sensing image and the current remote sensing image
Target area is there is no the remote sensing image of water body and there are the remote sensing images of water body for target area；
In view of remote sensing image generally comprises the information of 4 wave bands (red, green, blue and near-infrared), therefore in the present embodiment
In, OBIA can be used, on the basis of image multi-scale division generates imaged object, makes full use of imaged object spectrum, line
Reason, shape, size characteristic and its with neighbouring relationship between object, parent object, subobject etc., establish the rule of water body information
Collection, is realized to the identifying water boy of history remote sensing image target area and current remote sensing image target area, with from history remote sensing shadow
As in target area and current remote sensing image target area, determining that there is no the remote sensing image of water body and target areas for target area
There are the remote sensing images of water body.
Specifically, history remote sensing image target area and current remote sensing image target area are located in advance respectively first
Reason, including correct processing and cutting processing；Then respectively to pretreated history remote sensing image target area and current remote sensing
Image target region carries out Image Segmentation, wherein Image Segmentation, which refers to, is divided into different zones by certain rule for image
Process, Image Segmentation provides the basis-imaged object for carrying out further image analysing computer, in addition, OBIA is removed by Image Segmentation
It can provide outside spectral signature, moreover it is possible to provide a variety of characteristics of objects, including textural characteristics, shape feature, size characteristic and right
As spatial information feature (positional relationship, distance relation i.e. between object and object, topological relation), after to pretreatment
History remote sensing image target area and current remote sensing image target area carry out Image Segmentation, available history remote sensing image
The imaged object (being defined as the first remote sensing image) of target area and the imaged object of current remote sensing image target area (are defined as
Second remote sensing image).
Later, the knowledge to water body object in history remote sensing image target area is completed by the first imaged object and its feature
It indescribably takes, the identification of water body object in current remote sensing image target area is mentioned by the second imaged object and its feature completion
It takes.That is, being first depending on the spectral signatures different from other atural objects that water body is shown on image identifies most of water body, it can
To be realized by normalized difference water body index method NDWI (Normalized Difference water Index):
NDWI=(Green-NIR)/(Green+NIR)
Wherein, Green is green light band, NIR is near infrared band.
Since the reflection of water body gradually weakens from visible light to middle infrared band, in near-infrared and infrared wavelength range interior suction
The property received is most strong, almost areflexia, therefore can protrude image with the NDWI that the contrast of visible light wave range and near infrared band is constituted
In Water-Body Information (water body NDWI value is big), in addition, being used since vegetation is generally most strong in the reflectivity of near infrared band
The ratio of green light band and near infrared band can farthest inhibit the information of vegetation, to reach prominent Water-Body Information
Purpose；However identifying water boy extraction is carried out just with spectral signature, it can be by part building similar with water spectral feature
And its shade is included, and generates erroneous judgement, i.e., therefore common " same object different images " phenomenon utilizes the other feature of imaged object
(the spatial information feature between textural characteristics, shape feature, size characteristic and object) is by interference elimination.In this way, can be from going through
In history remote sensing image and current remote sensing image, determine the target area of which remote sensing image there are water body and its water body range, which
Water body is not present in the target area of a little remote sensing images.
Step S42 determines disaster-stricken preceding remote sensing image from the remote sensing image that water body is not present in the target area, and,
Disaster-stricken rear remote sensing image is determined in remote sensing image from the target area there are water body.
Later, in the remote sensing image from target area there is no water body, determine that shooting time is nearest apart from current time
Remote sensing image, as disaster-stricken preceding remote sensing image；In remote sensing image from target area there are water body, water-outlet body range is determined most
Big remote sensing image, as disaster-stricken rear remote sensing image.
The present embodiment uses object-oriented image analysis, respectively to history remote sensing image target area and current remote sensing shadow
As target area progress identifying water boy, preferably the identification of water body object can be mentioned using the various information completion of imaged object
Take, improve the accuracy of identifying water boy, for the disaster-stricken preceding remote sensing image of determination and it is disaster-stricken after remote sensing image provide it is accurate
Analyze foundation.
In addition, the embodiment of the present invention also provides a kind of agricultural insurance Claims Resolution device.
It is the functional block diagram of agricultural insurance of the present invention Claims Resolution device first embodiment referring to Fig. 4, Fig. 4.
In the present embodiment, the agricultural insurance Claims Resolution device includes:
Extraction module 10, for being mentioned from agricultural insurance Claims Resolution request when receiving agricultural insurance Claims Resolution request
It goes bail for single number, the geographical location information in disaster area and disaster-stricken crops；
Module 20 is obtained, for numbering according to the declaration form, obtains corresponding reference in Remote Sensing Image Database from prestoring
Remote sensing image and history remote sensing image, and, according to the geographical location information in the disaster area, controls default remote sensing system and clap
Take the photograph the current remote sensing image in disaster area；
Division module 30, for according to described referring to remote sensing image, respectively from the history remote sensing image and described current
The disaster-stricken crops region is marked off in remote sensing image, as target area；
Identification module 40, for respectively to history remote sensing image target area and the current remote sensing image target area
Domain carries out identifying water boy, with determined from the history remote sensing image and the current remote sensing image disaster-stricken preceding remote sensing image and by
Remote sensing image after calamity；
Determining module 50, for according to the disaster-stricken preceding remote sensing image and it is described it is disaster-stricken after remote sensing image, determine it is described by
Devastation-peasant crop cross the water duration, discharge area and cross the depth of water it is shallow, and according to it is described cross water duration, the discharge area
It is shallow with the depth of water of crossing, determine Claims Resolution scheme.
Wherein, each virtual functions module of above-mentioned agricultural insurance Claims Resolution device is stored in the Claims Resolution of agricultural insurance shown in Fig. 1 and sets
In standby memory 1005, the institute for realizing agricultural insurance Claims Resolution program is functional；When each module is executed by processor 1001,
It realizes and setting loss is carried out to disaster-stricken crops using remote sensing technology, compared to traditional artificial setting loss, efficiency and accuracy are obtained
It greatly promotes, and then shortens the Claims Resolution period, improve customer satisfaction.
Further, the identification module 40 includes:
Recognition unit, for using object-oriented image analysis, respectively to history remote sensing image target area and
The current remote sensing image target area carries out identifying water boy, with from the history remote sensing image and the current remote sensing image
In, target area is determined there is no the remote sensing image of water body and there are the remote sensing images of water body for target area；
First determination unit, for determining disaster-stricken preceding remote sensing shadow in the remote sensing image from the target area there is no water body
Picture, and, disaster-stricken rear remote sensing image is determined in the remote sensing image from the target area there are water body.
Further, the recognition unit includes:
Subelement is pre-processed, for respectively to history remote sensing image target area and the current remote sensing image target
Region is pre-processed；
Image Segmentation subelement, for respectively to pretreated history remote sensing image target area and described current
Remote sensing image target area carries out Image Segmentation, obtains the first imaged object and its spy of history remote sensing image target area
Sign, and, the second imaged object and its feature of the current remote sensing image target area；
It identifies subelement, is used for according to first imaged object and its feature to history remote sensing image target area
Identifying water boy is carried out, and, the current remote sensing image target area is carried out according to second imaged object and its feature
Identifying water boy.
Further, first determination unit includes:
First determine subelement, for from the target area there is no water body remote sensing image in, determine shooting when
Between the remote sensing image nearest apart from current time, as disaster-stricken preceding remote sensing image.
Further, first determination unit, further includes:
Second determines subelement, for determining water-outlet body range in the remote sensing image from the target area there are water body
Maximum remote sensing image, as disaster-stricken rear remote sensing image.
Further, the determining module 50 includes:
Computing unit, the shooting time for calculating the disaster-stricken preceding remote sensing image and the disaster-stricken rear remote sensing image is poor,
The water duration is spent as the disaster-stricken crops；
Second determination unit is determined as institute for determining the water body range of the disaster-stricken rear remote sensing image target area
State the discharge area of disaster-stricken crops；
Inverting unit, for by presetting depth of water model, the water of disaster-stricken rear remote sensing image target area water body described in inverting
Deep data, the mistake depth of water as the disaster-stricken crops are shallow.
Further, the determining module 50, further includes:
Division unit, for shallow according to water duration, the discharge area and the depth of water of crossing crossed, described in division
The disaster-stricken grade of disaster-stricken crops；
Third determination unit, for determining Claims Resolution scheme according to the disaster-stricken grade.
Wherein, the function of modules is realized and above-mentioned agricultural insurance Claims Resolution method reality in above-mentioned agricultural insurance Claims Resolution device
It is corresponding to apply each step in example, function and realization process no longer repeat one by one here.
In addition, the embodiment of the present invention also provides a kind of computer readable storage medium.
Agricultural insurance Claims Resolution program is stored on computer readable storage medium of the present invention, wherein the agricultural insurance is settled a claim
When program is executed by processor, realize such as the step of above-mentioned agricultural insurance Claims Resolution method.
Wherein, agricultural insurance Claims Resolution program, which is performed realized method, can refer to agricultural insurance Claims Resolution method of the present invention
Each embodiment, details are not described herein again.
It should be noted that, in this document, the terms "include", "comprise" or its any other variant are intended to non-row
His property includes, so that the process, method, article or the system that include a series of elements not only include those elements, and
And further include other elements that are not explicitly listed, or further include for this process, method, article or system institute it is intrinsic
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including being somebody's turn to do
There is also other identical elements in the process, method of element, article or system.
The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior art
The part contributed out can be embodied in the form of software products, which is stored in one as described above
In storage medium (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that terminal device (it can be mobile phone,
Computer, server, air conditioner or network equipment etc.) execute method described in each embodiment of the present invention.
The above is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all to utilize this hair
Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills
Art field, is included within the scope of the present invention.
Claims (10)
- A kind of method 1. agricultural insurance is settled a claim, which is characterized in that the agricultural insurance Claims Resolution method the following steps are included:When receiving agricultural insurance Claims Resolution request, declaration form number, disaster area are extracted from agricultural insurance Claims Resolution request Geographical location information and disaster-stricken crops；It is numbered according to the declaration form, obtains corresponding reference remote sensing image and history remote sensing shadow in Remote Sensing Image Database from prestoring Picture, and, according to the geographical location information in the disaster area, control the current remote sensing in default remote sensing system shooting disaster area Image；According to described referring to remote sensing image, marked off from the history remote sensing image and the current remote sensing image respectively described Disaster-stricken crops region, as target area；Identifying water boy is carried out to history remote sensing image target area and the current remote sensing image target area respectively, with from Disaster-stricken preceding remote sensing image and disaster-stricken rear remote sensing image are determined in the history remote sensing image and the current remote sensing image；According to the disaster-stricken preceding remote sensing image and the disaster-stricken remote sensing image afterwards, when crossing water persistently of the disaster-stricken crops is determined Between, discharge area and cross the depth of water it is shallow, and according to it is described cross the water duration, the discharge area and it is described cross the depth of water it is shallow, determine Claims Resolution scheme.
- The method 2. agricultural insurance as described in claim 1 is settled a claim, which is characterized in that described respectively to the history remote sensing image Target area and the current remote sensing image target area carry out identifying water boy, with from the history remote sensing image and described current Determined in remote sensing image disaster-stricken preceding remote sensing image and it is disaster-stricken after remote sensing image the step of include:Using object-oriented image analysis, respectively to history remote sensing image target area and the current remote sensing image mesh It marks region and carries out identifying water boy, to determine that target area is not deposited from the history remote sensing image and the current remote sensing image In the remote sensing image of water body and target area, there are the remote sensing images of water body；Disaster-stricken preceding remote sensing image is determined in remote sensing image from the target area there is no water body, and, from the target area There are disaster-stricken rear remote sensing image is determined in the remote sensing image of water body in domain.
- The method 3. agricultural insurance as claimed in claim 2 is settled a claim, which is characterized in that described to use object-oriented image analysing computer Method, the step of identifying water boy is carried out to history remote sensing image target area and the current remote sensing image target area respectively Include:History remote sensing image target area and the current remote sensing image target area are pre-processed respectively；Shadow is carried out to pretreated history remote sensing image target area and the current remote sensing image target area respectively As segmentation, the first imaged object and its feature of history remote sensing image target area are obtained, and, the current remote sensing shadow As the second imaged object and its feature of target area；Identifying water boy is carried out to history remote sensing image target area according to first imaged object and its feature, and, Identifying water boy is carried out to the current remote sensing image target area according to second imaged object and its feature.
- The method 4. agricultural insurance as claimed in claim 2 is settled a claim, which is characterized in that described that water is not present from the target area It is determined in the remote sensing image of body and includes: the step of disaster-stricken preceding remote sensing imageIn remote sensing image from the target area there is no water body, the shooting time remote sensing nearest apart from current time is determined Image, as disaster-stricken preceding remote sensing image.
- The method 5. agricultural insurance as claimed in claim 2 is settled a claim, which is characterized in that described there are water bodys from the target area Remote sensing image in determine it is disaster-stricken after remote sensing image the step of include:In remote sensing image from the target area there are water body, the maximum remote sensing image of water-outlet body range is determined, as disaster-stricken Remote sensing image afterwards.
- The method 6. agricultural insurance as described in claim 1 is settled a claim, which is characterized in that described according to the disaster-stricken preceding remote sensing image With the disaster-stricken remote sensing image afterwards, the shallow step of water duration excessively, discharge area and the mistake depth of water of the disaster-stricken crops is determined Suddenly include:The shooting time for calculating the disaster-stricken preceding remote sensing image and the disaster-stricken rear remote sensing image is poor, as the disaster-stricken crops Cross the water duration；By the water body range of the disaster-stricken rear remote sensing image target area, it is determined as the discharge area of the disaster-stricken crops；By presetting depth of water model, it is disaster-stricken described in inverting after remote sensing image target area water body bathymetric data, as it is described by The mistake depth of water of devastation-peasant crop is shallow.
- The method 7. agricultural insurance as claimed in claim 6 is settled a claim, which is characterized in that it is described according to it is described cross the water duration, The discharge area and the depth of water of crossing are shallow, and the step of determining Claims Resolution scheme includes:It is shallow according to the water duration excessively, the discharge area and the depth of water excessively, divide the disaster-stricken of the disaster-stricken crops Grade；According to the disaster-stricken grade, Claims Resolution scheme is determined.
- The device 8. a kind of agricultural insurance is settled a claim, which is characterized in that the agricultural insurance Claims Resolution device includes:Extraction module, for extracting declaration form from agricultural insurance Claims Resolution request when receiving agricultural insurance Claims Resolution request Number, the geographical location information in disaster area and disaster-stricken crops；Module is obtained, for numbering according to the declaration form, obtains corresponding reference remote sensing shadow in Remote Sensing Image Database from prestoring Picture and history remote sensing image, and, according to the geographical location information in the disaster area, it is disaster-stricken to control default remote sensing system shooting The current remote sensing image in area；Division module is used for according to described referring to remote sensing image, respectively from the history remote sensing image and the current remote sensing shadow The disaster-stricken crops region is marked off as in, as target area；Identification module, for being carried out respectively to history remote sensing image target area and the current remote sensing image target area Identifying water boy, with determined from the history remote sensing image and the current remote sensing image disaster-stricken preceding remote sensing image and it is disaster-stricken after it is distant Feel image；Determining module, for determining the disaster-stricken farming according to the disaster-stricken preceding remote sensing image and the disaster-stricken rear remote sensing image Object cross water duration, discharge area and to cross the depth of water shallow, and spend water duration, the discharge area and described according to described It is shallow to cross the depth of water, determines Claims Resolution scheme.
- The equipment 9. a kind of agricultural insurance is settled a claim, which is characterized in that the agricultural insurance Claims Resolution equipment include processor, memory, And be stored on the memory and the program that can be settled a claim by the agricultural insurance that the processor executes, wherein the agricultural insurance When Claims Resolution program is executed by the processor, realizing the agricultural insurance Claims Resolution method as described in any one of claims 1 to 7 Step.
- 10. a kind of computer readable storage medium, which is characterized in that be stored with agriculture guarantor on the computer readable storage medium Danger Claims Resolution program, wherein realizing such as any one of claims 1 to 7 when agricultural insurance Claims Resolution program is executed by processor The agricultural insurance settle a claim method the step of.
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