CN111260480A - Claims settlement method, server, terminal device and storage medium - Google Patents
Claims settlement method, server, terminal device and storage medium Download PDFInfo
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Abstract
The embodiment of the invention provides a claim settlement method, a device, a server and a storage medium, wherein the method comprises the following steps: when a claim settlement application for a target agricultural product submitted by a terminal device is received, an insurance platform acquires an identifier of the target agricultural product and an insurance policy corresponding to a farmer; the insurance platform checks the claim settlement application based on the identification of the target agricultural product and the insurance policy corresponding to the farmer; and when the claim application is approved, the insurance platform pays the claim payment corresponding to the target agricultural product to the farmer. By adopting the embodiment of the invention, whether the agricultural product applying for claim settlement is a guaranteed agricultural product can be accurately judged, and the processing efficiency of agricultural product claim settlement is improved.
Description
Technical Field
The invention relates to the technical field of internet finance, in particular to a claim settlement method, a server, terminal equipment and a storage medium.
Background
With the development of the times, most farmers select to invest the agricultural products before cultivating the agricultural products in order to ensure the cultivation income, so that if the agricultural products are invested and guaranteed in the cultivation process of the agricultural products, the insurance platform pays the benefits for the farmers according to the convention of investment and guarantee. The insurance platform is required to check the claim application submitted by the farmers before paying the claim payment for the farmers, under the common condition, the check of the claim application by the insurance platform is that after the insurance platform receives the claim application, relevant claim workers check whether agricultural products required for the claim are qualified for the claim in the aquaculture field of the farmers, if so, the claim workers send claim confirmation information to the insurance platform, and then the insurance platform pays the claim payment for the farmers.
However, in the claim settlement application, if the number of agricultural products cultivated by farmers is large, the farmers only invest the insurance for part of the agricultural products, and the claim settlement personnel cannot determine whether the agricultural products checked on site are the insurance agricultural products, so that an effective claim settlement method is urgently needed in the field of agricultural product cultivation.
Disclosure of Invention
The embodiment of the invention provides a claim settlement method, a server, terminal equipment and a storage medium, which ensure the accuracy of an agricultural product claim settlement and improve the processing efficiency of the agricultural product claim settlement.
In a first aspect, an embodiment of the present invention provides a claim settlement method, where the claim settlement method is applied to an agricultural product cultivation system, the agricultural product cultivation system includes a terminal device and an insurance platform corresponding to a farmer, and the claim settlement method includes:
when a claim settlement application for a target agricultural product submitted by a terminal device is received, an insurance platform acquires an identifier of the target agricultural product and an insurance policy corresponding to a farmer;
the insurance platform checks the claim settlement application based on the identification of the target agricultural product and the insurance policy corresponding to the farmer;
and when the claim application is approved, the insurance platform pays the claim payment corresponding to the target agricultural product to the farmer.
Optionally, the insurance platform audits the claim application based on the identification of the target agricultural product and the insurance policy corresponding to the farmer, including:
the insurance platform acquires an identification set of the insurable agricultural products included in an insurable policy corresponding to the farmer;
and if the identification set comprises the identification of the target agricultural product, the insurance platform determines that the examination of the claim settlement application is passed.
Still include scanning terminal among the agricultural product farming systems, target agricultural product carries monitoring devices, and insurance platform obtains the sign of target agricultural product, includes:
the insurance platform receives the identification of the target agricultural product reported by the scanning terminal, and the identification of the target agricultural product is sent to the scanning terminal by the monitoring device when receiving the identification scanning signal transmitted by the scanning terminal.
Optionally, still include scanning terminal among the agricultural product farming systems, target agricultural product carries monitoring devices, and insurance platform obtains the sign of target agricultural product, includes:
the insurance platform receives the identification of the target agricultural product reported by the scanning terminal, and the identification of the target agricultural product is sent to the scanning terminal by the monitoring device when receiving the identification scanning signal transmitted by the scanning terminal.
Optionally, the agricultural product cultivation system further comprises an agricultural product monitoring center, the claim settlement application carries an identifier of the target agricultural product, and the identifier of the target agricultural product is sent to the terminal device by the monitoring center when the monitoring center monitors that the target agricultural product meets the claim settlement condition.
Optionally, still include the loan platform among the agricultural product farming system, the insurance platform pays the corresponding claim payment of target agricultural product to the raiser, includes:
the insurance platform acquires the corresponding outstanding money of the farmers from the loan platform;
the insurance platform pays the outstanding money to the loan platform from the corresponding claim payment of the target agricultural product;
and the insurance platform pays the remaining claims payment obtained by deducting the unretained money from the claims payment corresponding to the target agricultural product to the farmer.
In a second aspect, an embodiment of the present invention provides another claim settlement method, where the claim settlement method is applied to an agricultural product cultivation system, the agricultural product cultivation system includes a terminal device corresponding to a farmer, a monitoring center of an agricultural product, and an insurance platform, and the claim settlement method includes:
the terminal equipment receives the identification of the target agricultural product sent by the monitoring center when the monitoring center monitors that the target agricultural product meets the claim settlement condition;
the terminal equipment generates a claim settlement application according to the identification of the target agricultural product;
and the terminal equipment sends a claim settlement application to the insurance platform, and the claim settlement application is used for indicating the insurance platform to audit the claim settlement application based on the identification of the target agricultural product and the insurable insurance policy corresponding to the farmer.
Optionally, when the terminal device receiving monitoring center monitors that the target agricultural product meets the claim settlement condition, after sending the identifier of the target agricultural product, and before the terminal device generates the claim settlement application according to the identifier of the target agricultural product, the claim settlement method further includes:
the terminal equipment outputs claim settlement prompt information aiming at the target agricultural product to the farmer;
and when the terminal equipment receives the confirmation operation of the claim settlement prompt information input by the farmer, executing the step of generating a claim settlement application according to the identification of the target agricultural product.
In a third aspect, an embodiment of the present invention provides a server, where the server is applied to an agricultural product cultivation system, the agricultural product cultivation system further includes a terminal device corresponding to a farmer, and the server includes:
the acquiring unit is used for acquiring the identification of the target agricultural product and the insurance policy corresponding to the farmer when a claim settlement application for the target agricultural product submitted by the terminal equipment is received;
the auditing unit is used for auditing the claim settlement application based on the identification of the target agricultural product and the insurance policy corresponding to the farmer;
and the payment unit is used for paying the claim payment corresponding to the target agricultural product to the farmer when the claim settlement application is approved.
Optionally, the auditing unit is specifically configured to:
acquiring an identification set of an insurable agricultural product included in an insurable policy corresponding to a farmer;
and if the identification set comprises the identification of the target agricultural product, determining that the examination of the claim settlement application is passed.
Optionally, the agricultural product cultivation system further includes a scanning terminal, and the implementation manner of the obtaining unit when obtaining the identifier of the target agricultural product is as follows:
and receiving the identification of the target agricultural product reported by the scanning terminal, wherein the identification of the target agricultural product is sent to the scanning terminal by the monitoring device when receiving the identification scanning signal transmitted by the scanning terminal.
Optionally, the agricultural product cultivation system further comprises an agricultural product monitoring center, the claim settlement application carries an identifier of the target agricultural product, and the identifier of the target agricultural product is sent to the terminal device by the monitoring center when the monitoring center monitors that the target agricultural product meets the claim settlement condition.
Optionally, still include the loan platform among the agricultural product farming systems, the payment unit specifically is used for:
obtaining the corresponding outstanding money of the farmer from the loan platform;
paying the outstanding money to the loan platform from the claim payment corresponding to the target agricultural product;
and paying the rest claim payment obtained by deducting the unretained money from the claim payment corresponding to the target agricultural product to the farmer.
In a fourth aspect, an embodiment of the present invention provides a terminal device, where the terminal device is applied to an agricultural product cultivation system, the agricultural product cultivation system further includes a monitoring center of agricultural products and an insurance platform, and the terminal device includes:
the receiving unit is used for receiving the identification of the target agricultural product sent by the monitoring center when the monitoring center monitors that the target agricultural product meets the claim settlement condition;
the generating unit is used for generating a claim settlement application according to the identification of the target agricultural product;
and the payment unit is used for sending a claim settlement application to the insurance platform, and the claim settlement application is used for indicating the insurance platform to audit the claim settlement application based on the identification of the target agricultural product and the insurance application corresponding to the farmer.
Optionally, the terminal device further includes an output unit:
the output unit is used for outputting claim settlement prompt information aiming at the target agricultural product to farmers;
the receiving unit is also used for receiving the confirmation operation of the claim settlement prompt information input by the farmer;
and the generating unit is also used for generating a claim application according to the identification of the target agricultural product when the receiving unit receives the confirmation operation of the claim prompt information input by the farmer.
In a fifth aspect, an embodiment of the present invention provides a server, where the server includes a memory, a network interface, and a processor, where the memory, the network interface, and the processor are connected to each other, where the memory stores a computer program, the computer program includes program instructions, and the processor calls the program to execute the claim settlement method of the first aspect.
In a sixth aspect, an embodiment of the present invention further provides a terminal device, where the terminal device includes a processor, a sending device, a receiving device, and a memory, where the processor, the sending device, the receiving device, and the memory are connected to each other, and a computer program is stored in the memory, where the computer program includes program instructions, and the processor is configured to execute the claim settlement method in the second aspect when calling the program instructions.
In a seventh aspect, the present invention provides a computer-readable storage medium, where a first computer program is stored, the first computer program including first program instructions, when executed by a processor, cause the processor to execute the first aspect and any optional claim settlement method thereof; the computer readable storage medium stores a second computer program comprising second program instructions which, when executed by the processor, cause the processor to perform the second aspect and any optional method of claim settlement thereof as described above
In the embodiment of the invention, when the insurance platform receives the claim settlement application based on the target agricultural product, the claim settlement application is checked based on the identification of the target agricultural product and the insurance application sheet corresponding to the farmer, corresponding claim payment is paid to the farmer under the condition that the check is passed, and the claim settlement is checked based on the identification of the target agricultural product and the insurance application sheet, so that whether the target agricultural product is the insurance agricultural product can be accurately judged, the accuracy of the claim settlement of the agricultural product is ensured, and the processing efficiency of the claim settlement of the agricultural product is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
FIG. 1 is a diagram of an agricultural produce cultivation system according to an embodiment of the present invention;
fig. 2 is a schematic flow chart of a method for claim settlement according to an embodiment of the present invention;
fig. 3 is a schematic flow chart of a method for claim settlement according to an embodiment of the present invention;
FIG. 4 is a flow chart of another claim settlement method provided by the embodiment of the invention;
fig. 5 is a schematic structural diagram of a server according to an embodiment of the present invention;
fig. 6 is a schematic structural diagram of a terminal device according to an embodiment of the present invention;
fig. 7 is a schematic structural diagram of another server provided in the embodiment of the present invention;
fig. 8 is a schematic structural diagram of another terminal device according to an embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Referring to fig. 1, an architecture diagram of an agricultural product farming system provided for an embodiment of the present invention, as shown in fig. 1, may include an insurance platform 10 and a terminal device 20, where the insurance platform 10 is built by an insurance company server, and the terminal device 10 may be used to present a user interface related to an agricultural product claim to a farmer, so that the farmer may perform an operation related to the agricultural product claim through the user interface, such as submitting a claim application, viewing a claim progress, and the like.
In one embodiment, the farmer can choose to inject the monitoring devices for all or part of the agricultural products cultivated by the farmer, each monitoring device corresponds to a unique identifier, the identifier of the monitoring device can be the identifier of the agricultural product, that is, the monitoring device can be used for identifying the agricultural product, and in other embodiments, the monitoring device can be used for detecting various health data of the agricultural product besides the identifier of the agricultural product. In one embodiment, in order to guarantee the cultivation income, a farmer can buy insurance for agricultural products cultivated by the farmer, and when buying the insurance, the farmer can submit an insurance application to an insurance platform through terminal equipment, wherein the insurance application comprises an identifier of an insurance object, and the identifier of the insurance object is also the identifier of a monitoring device carried in the agricultural products; and after the application for insurance passes the examination, the insurance platform stores the identification of the object for insurance and other insurance information in the database in a correlation manner.
In one embodiment, the agricultural product farming system may further comprise an agricultural product monitoring center 30, wherein the agricultural product monitoring center 30 is used for monitoring the health condition of each agricultural product, and the health condition data of each agricultural product is transmitted by a monitoring device carried by each agricultural product. When monitoring that the target agricultural product meets the claim settlement condition, the monitoring center 30 sends an identifier of the target agricultural product to the terminal device 20; the terminal device 20 generates a claim settlement application according to the identification of the target agricultural product; the terminal device 20 sends a claim settlement application to the insurance platform 10.
In one embodiment, before generating the claim settlement application based on the identification of the target agricultural product, the terminal device 20 may further output claim settlement prompt information for the target agricultural product to the farmer; and when the confirmation operation of the claim settlement information input by the farmer is received, the step of generating a claim settlement application according to the target agricultural product is executed.
In one embodiment, the insurance platform 10 is configured to: when a claim settlement application for a target agricultural product submitted by the terminal equipment 20 is received, acquiring an identifier of the target agricultural product and an insurance policy corresponding to a farmer; auditing the claim settlement application based on the identification of the target agricultural product and the insurance policy corresponding to the farmer; and when the claim application is approved, paying the corresponding claim payment of the target agricultural product to the farmer.
In one embodiment, the insurance platform 10 when used to audit a claim application based on the identification of the target agricultural product and the application insurance policy corresponding to the farmer may be implemented as: the insurance platform acquires an identification set of the insurable agricultural products included in an insurable policy corresponding to the farmer; and if the identification set comprises the identification of the target agricultural product, the insurance platform determines that the examination of the claim settlement application is passed.
In an embodiment, the agricultural product cultivation system may further include a scanning terminal 40, the scanning terminal 40 may perform information interaction with a monitoring device of an agricultural product, and the scanning terminal 40 is configured to obtain an identifier of the monitoring device carried by the agricultural product, that is, an identifier of the agricultural product. When the insurance platform 10 acquires the agricultural product identifier, the implementation mode is as follows: the scanning terminal 40 sends an identification scanning signal to a monitoring device of the agricultural product; and receiving the agricultural product identification emitted by the monitoring device after scanning the agricultural product according to the identification scanning signal.
In one embodiment, the agricultural product farming system may further include a loan platform 50, the loan platform 50 may provide farmers with money needed for farming agricultural products, and the insurance platform 10 pays the farmers corresponding claim payments for the target agricultural products after passing the claim settlement application by: the insurance platform acquires the corresponding outstanding money of the farmers from the loan platform; the insurance platform pays the outstanding money to the loan platform from the corresponding claim payment of the target agricultural product; and the insurance platform pays the remaining claims payment obtained by deducting the unretained money from the claims payment corresponding to the target agricultural product to the farmer.
Referring to fig. 2, a flow chart of a claim settling method provided by the embodiment of the present invention is illustrated, and fig. 2 shows an interaction relationship between the insurance platform 10 and the terminal device 20 in a process of settling a claim on an agricultural product, it should be noted that some possible implementations included in the claim settling method illustrated in fig. 2 will be described in detail in the following embodiments of fig. 3 and 4.
In summary, in the agricultural product cultivation shown in fig. 1, after receiving the identifier of the target agricultural product satisfying the claim settlement condition, the terminal device 20 generates a claim settlement application according to the identifier of the target agricultural product, and sends the claim settlement application to the insurance platform 10, the insurance platform 10 checks the claim settlement application based on the identifier of the target agricultural product and the insurance policy corresponding to the farmer, and pays the claim payment corresponding to the target agricultural product to the farmer after the check is passed, the farmer pays the claim payment corresponding to the target agricultural product in the protected agricultural product, each monitoring device corresponds to a unique identifier, and the insurance platform checks the claim settlement application based on the identifier of the target agricultural product, so that accuracy and rapidity of check and verification of the claim settlement can be ensured, and thus, the claim processing efficiency is improved.
Referring to fig. 3, which is a schematic flow chart of a claim settlement method according to an embodiment of the present invention, the claim settlement method shown in fig. 3 may be applied to the agricultural product cultivation system shown in fig. 1, and the claim settlement method may include:
s301, when a claim settlement application for the target agricultural product submitted by the terminal equipment is received, the insurance platform obtains the identification of the target agricultural product and the insurance policy corresponding to the farmer.
The target agricultural products refer to any one or more agricultural products cultivated by farmers. The identification of the target agricultural product can uniquely identify the target agricultural product, and it should be understood that the identifications of the agricultural products cultivated by the farmers are different, and the identifications can be represented in the form of serial numbers, such as 1, 2 and 3, or in the form of letters, such as a, B and C, or in other forms.
In one embodiment, the agricultural products cultivated by the farmers carry monitoring devices, and each monitoring device has a unique identifier, so that the monitoring devices can be used for identifying the agricultural products, that is to say, the monitoring devices carried in the agricultural products can be used as the identifiers of the corresponding agricultural products. In other embodiments, a monitoring device carried within the agricultural product may be used to monitor various health data of the agricultural product in addition to identifying the agricultural product. In one embodiment, the agricultural product cultivation system comprises a monitoring center, monitoring devices in all agricultural products report monitored agricultural product health data to the monitoring center regularly or according to preset time, the monitoring center analyzes and monitors the health data of all agricultural products, and sends the health state of all agricultural products obtained through analysis to terminal equipment, so that farmers can check the health state of the agricultural products through the terminal equipment, the agricultural products with health problems can be found timely by paying attention to the health state of the agricultural products at any time, problems are solved timely, and the quality of the agricultural products is guaranteed.
In one embodiment, the method for the insurance platform to obtain the identification of the target agricultural product may be: and if the claim settlement application comprises the identification of the target agricultural product, the insurance platform directly acquires the identification of the target agricultural product from the claim settlement application. The claim settlement application carries an identification of the target agricultural product, the identification of the target agricultural product is sent to the terminal device by the monitoring center when the monitoring center monitors that the target agricultural product meets the claim settlement condition, at the moment, the farmer can know that the agricultural product with the health problem is the target agricultural product through a user interface of the terminal device, and then the farmer submits the operation of the claim settlement application carrying the identification of the target agricultural product on the user interface, or the terminal device automatically generates the claim settlement application carrying the identification of the target agricultural product.
In one embodiment, the agricultural product farming system may further include a scanning terminal, the scanning terminal may communicate with a monitoring device carried in the agricultural product, and the method for acquiring the identifier of the target agricultural product by the insurance platform may further be: if the claim application does not include the identification of the target agricultural product, the insurance platform can acquire the identification of the target agricultural product through the scanning terminal.
In an embodiment, the claim application does not include the identifier of the target agricultural product, which indicates that the farmer cannot know the health status of each agricultural product through the user interface of the terminal device, for example, because the monitoring center of the agricultural product has a fault, the health status of the corresponding agricultural product acquired by the monitoring device in each agricultural product cannot be reported to the terminal device, at this time, the farmer needs to personally go to the farming site of the agricultural product to judge whether the agricultural product has a health problem through the external state of the agricultural product, and the external state of the agricultural product may be the eating condition of the agricultural product, or whether the agricultural product has a vital sign or not. If the farmer finds that the target agricultural product has no vital signs, such as stopping breathing, the farmer can submit a claim settlement application through the terminal equipment. Because the farmer only knows that the target agricultural product needs to be settled, but does not know the identification of the target agricultural product, the settlement application at the moment does not include the identification of the target agricultural product, and in this case, the insurance platform can acquire the identification of the target agricultural product through the scanning terminal when receiving the settlement application submitted by the farmer.
In one embodiment, the method for acquiring the identifier of the target agricultural product by the insurance platform through the scanning terminal includes: the insurance platform receives the identification of the target agricultural product reported by the scanning terminal, and the identification of the target agricultural product is sent to the scanning terminal by the monitoring device when receiving the identification scanning signal transmitted by the scanning terminal. Optionally, when the insurance platform receives a claim settlement application of the farmer, if the insurance platform determines that the claim settlement application does not include the identifier of the target agricultural product, the insurance platform may output prompt information for prompting a claim settlement person to report the identifier of the target agricultural product to the insurance platform through the scanning terminal; after receiving the prompt information, the claim settlement personnel arrive at an agricultural product cultivation site of the farmer, the farmer assigns a target agricultural product to the claim settlement personnel, the claim settlement personnel inputs identification scanning operation through the scanning terminal, and the terminal equipment sends an identification scanning signal to a monitoring device of the target agricultural product according to the identification scanning operation; after receiving the identification scanning signal, the monitoring device acquires the identification of the monitoring device and sends the identification to the scanning terminal; after the scanning terminal receives the identification of the target agricultural product, the identification of the target agricultural product is reported to the insurance platform according to the reporting operation of claim settlement personnel, and thus the insurance platform obtains the identification of the target agricultural product.
In one embodiment, the manner of acquiring the insurance policy corresponding to the farmer by the insurance platform may be: the insurance platform acquires the personal information of the farmers; and searching the insurance application corresponding to the farmers from the stored multiple insurance application insurance policies according to the personal information of the farmers.
S302, the insurance platform checks the claim settlement application based on the identification of the target agricultural products and the insurance policy corresponding to the farmers.
In one embodiment, the application insurance policy may include personal information of the farmer and application information of the farmer, wherein the application information of the farmer may include one or more of the following: the method comprises the following steps of identifying a set of agricultural products insured by farmers, insurance categories of the insured agricultural products, claim conditions, claim rules and other claim related information. Optionally, insurance categories for insuring agricultural products can be classified into major disease insurance, death insurance and the like, and it should be understood that insurance fees to be paid by farmers corresponding to insurance categories of different agricultural products are different, and the reimbursement rules and the reimbursement conditions may also be different.
In one embodiment, the insurance platform audits the claim application based on the identification of the target agricultural product and the insurance policy corresponding to the farmer, and may include: the insurance platform acquires an identification set of the insurable agricultural products included in an insurable policy corresponding to the farmer; and if the identification set comprises the identification of the target agricultural product, the insurance platform determines that the examination of the claim settlement application is passed. In other words, if the identity of the target agricultural product is in the set of insured agricultural products, then the target agricultural product is indicated to be an insured agricultural product.
For example, the set of identifiers of the insurable agricultural products included in the insurable policy is (1, 4, 6, 7, 8, 9, 18, 20), if the identifier of the target agricultural product acquired by the insurance platform is 5, it can be seen that 5 is not in the set of identifiers of the insurable agricultural products, it indicates that the target agricultural product is not an insurable agricultural product, and it is determined that the application for claims does not pass; if the identification of the target agricultural product acquired by the insurance platform is 8, the identification 8 is in the identification set of the insurable agricultural product, the target agricultural product is the insurable agricultural product, and the claim settlement application is determined to pass.
In other embodiments, the farmer may purchase at least one type of insurance for the agricultural products they breed, that is, the farmer may purchase different types of insurance for a plurality of agricultural products for which insurance is to be purchased, such as the farmer wants to apply insurance for 10 agricultural products they breed, 10 agricultural products are identified as 1-10, the farmer may purchase major disease insurance for the agricultural products identified as 1-5, and may purchase death insurance for the agricultural products identified as 6-10. In this case, the number of the identifier sets of the insurable agricultural products included in the insurance policy corresponding to the farmer acquired by the insurance platform may be at least one, for example, the identifier set 1 of the agricultural product purchasing serious disease risk is combined with the identifier set of the insurable agricultural product, and the identifier set 2 of the agricultural product purchasing death risk is combined with the identifier set of the insurable agricultural product.
It should be understood that the insurance platform checks the claim settlement application based on the identification of the target agricultural product and the insurance policy corresponding to the cultivation, and is executed when the insurance platform determines that the target agricultural product meets the claim settlement condition. In one embodiment, the manner in which the insurance platform determines that the target agricultural product satisfies the claim settlement condition includes: if the claim settlement application does not carry the identification of the target agricultural product, the insurance platform determines whether the target agricultural product meets the claim settlement condition according to whether the identification of the target agricultural product reported by the scanning terminal is received: if the insurance platform receives the identification of the target agricultural product uploaded by the scanning terminal within the preset time, the target agricultural product meets the claim settlement condition; and if the insurance platform does not receive the identification of the target agricultural product uploaded by the scanning terminal within the preset time, the target agricultural product does not meet the claim settlement condition.
Specifically, when the claim application does not carry the identification of the target agricultural product, the identification of the target agricultural product is acquired through communication between the scanning terminal and the monitoring device in the agricultural product from the claim settlement personnel to the agricultural product cultivation site of the farmer, in the process, after the claim settlement personnel reach the agricultural product cultivation site, whether the target agricultural product specified by the farmer meets the claim settlement condition is judged firstly, if the claim settlement condition is met, the claim settlement personnel acquire the identification of the target agricultural product through the scanning terminal and report the identification to the insurance platform, and the fact that the insurance platform receives the identification of the target agricultural product means that the target agricultural product meets the claim settlement condition is also represented by the identification of the target agricultural product. If the claim settlement personnel judge that the target agricultural product does not meet the claim settlement condition, the identifier of the target agricultural product can be obtained without the scanning terminal, and therefore the insurance platform can automatically consider that the target agricultural product does not meet the claim settlement condition if the insurance platform cannot receive the identifier of the target agricultural product within the preset time. In other embodiments, when the claim settling staff determines that the target agricultural product does not satisfy the claim settling condition, prompt information that the claim settling application is not satisfied can be submitted to the insurance platform through the scanning terminal.
In another embodiment, the method for the insurance platform to determine that the target agricultural product meets the claim settlement condition further comprises: if the claim application submitted through the terminal equipment includes the identification of the target agricultural product, and the identification of the target agricultural product is sent to the terminal equipment by the monitoring center of the agricultural product, the insurance platform determines that the target agricultural product meets the claim condition. In the embodiment of the invention, it is assumed that data of a monitoring center of an agricultural product is not falsifiable, and an identifier of a target agricultural product is sent to a terminal device when the monitoring center monitors that the target agricultural product meets a claim settlement condition, and in this case, the target agricultural product meets the claim settlement application condition.
And S303, when the application for claim settlement is approved, the insurance platform pays the claim payment corresponding to the target agricultural product to the farmer.
In one embodiment, after the claim settlement application is passed, the insurance platform calculates a claim payment according to the insurance policy corresponding to the farmer and pays the claim payment to the farmer. Optionally, the method of calculating the payment of the claim by the insurance platform according to the insurance policy corresponding to the farmer is as follows: determining the insurance category of the target agricultural product according to the identification set of the insurable agricultural product to which the target agricultural product belongs; and calculating the corresponding reimbursement payment of the target agricultural product based on the reimbursement rule about the insurance category in the application insurance policy. The above is just one possible way to calculate the payment, and in other embodiments, the insurance platform may calculate the corresponding payment of the target agricultural product in other ways.
In one embodiment, the agricultural product farming system may further include a loan platform, and the insurance platform may pay the farmers for the corresponding claims of the target agricultural products in a manner that: the insurance platform acquires the corresponding outstanding money of the farmers from the loan platform; the insurance platform pays the outstanding money to the loan platform from the corresponding claim payment of the target agricultural product; and the insurance platform pays the remaining claims payment obtained by deducting the unretained money from the claims payment corresponding to the target agricultural product to the farmer. It should be understood that if the insurance platform pays the farmer in the above manner, the loan platform, the farmer and the insurance platform are required to determine in advance that the farmer loans the corresponding repayment manner from the loan platform, so that the repayment can be performed for the payment through the insurance platform. The insurance platform pays the benefits to the farmers by the above mode, and the loan platform is used for timely withdrawing the loans for the farmers.
In the embodiment of the invention, when the insurance platform receives the claim settlement application based on the target agricultural product, the claim settlement application is checked based on the identification of the target agricultural product and the insurance application sheet corresponding to the farmer, corresponding claim payment is paid to the farmer under the condition that the check is passed, and the claim settlement is checked based on the identification of the target agricultural product and the insurance application sheet, so that whether the target agricultural product is the insurance agricultural product can be accurately judged, and the claim settlement processing efficiency of the agricultural product is improved.
Referring to fig. 4, in order to provide another claim settlement method according to an embodiment of the present invention, the claim settlement application method shown in fig. 4 may be applied to an agricultural product cultivation system, where the agricultural product cultivation system may include a terminal device, a monitoring center for agricultural products, and an insurance platform, and the claim settlement application method shown in fig. 4 may include:
s401, the terminal equipment receives the identification of the target agricultural product sent by the monitoring center when the monitoring center monitors that the target agricultural product meets the claim settlement condition.
In one embodiment, the agricultural product carries a monitoring device, the monitoring device is used for detecting health data of the agricultural product, such as temperature, humidity, vital signs and infectious bacterial load of the agricultural product, the health data of the agricultural product monitored in real time can be uploaded to a monitoring center of the agricultural product by the monitoring device carried in the agricultural product, the monitoring center of the agricultural product analyzes and monitors the health data of each agricultural product in real time, and if the health state of the target agricultural product is monitored to meet a claim settlement condition, an identification of the target agricultural product is sent to the terminal device, so that the terminal device generates a claim settlement application for the target agricultural product according to the identification of the target agricultural product.
In one embodiment, the monitoring devices carried in different agricultural products have different identifications, the identification of the monitoring device in the agricultural product can be used as the identification of the agricultural product, and the identification of the target agricultural product is the identification of the monitoring device of the target agricultural product.
S402, the terminal equipment generates a claim settlement application according to the identification of the target agricultural product.
In one embodiment, when receiving an identifier of a target agricultural product sent by a monitoring center of the agricultural product, a terminal device generates a claim application based on the identifier of the target agricultural product, wherein the claim application comprises the identifier of the target agricultural product.
In one embodiment, the farmer can configure a monitoring device for all agricultural products cultivated by the farmer, or can configure a monitoring device for only the insured agricultural products, and the monitoring center monitors the insured agricultural products. When an aquaculture user configures monitoring devices for all agricultural products, the aquaculture user purchases insurance for part of the agricultural products, the aquaculture user can select the monitoring center to only monitor the insured agricultural products, and the aquaculture user can also select the monitoring center to monitor all the agricultural products configured with the monitoring devices, for example, if the number of the agricultural products cultivated by the aquaculture user is 10, the aquaculture user configures monitoring devices for all 10 agricultural products, the identification of the monitoring devices is 1-10, namely the identification of the agricultural products is 1-10, the aquaculture user can select the agricultural products with the identification of 1-5 to purchase insurance, namely the agricultural products with the identification of 1-5 are the insured agricultural products, the aquaculture user can select the monitoring center to only monitor the agricultural products with the identification of 1-5, and can also select the agricultural products with the identification of 1-10 to monitor.
In an embodiment, when the terminal device receiving monitoring center monitors that the target agricultural product meets the claim settlement condition, after sending the identifier of the target agricultural product, before the terminal device generates the claim settlement application according to the identifier of the target agricultural product, the method further includes: outputting claim settlement prompt information aiming at the target agricultural products to farmers; and when the terminal equipment receives the confirmation operation of the claim settlement prompt information input by the farmer, executing the step of generating a claim settlement application according to the identification of the target agricultural product. That is to say, after receiving the identification of the target agricultural product, the terminal device prompts the farmer that the target agricultural product cultivated by the farmer has a health problem, and can apply for claim settlement to the insurance platform, if the farmer determines to apply for the claim settlement, the terminal device inputs a confirmation operation through the terminal device, and after receiving the confirmation operation, the terminal device generates a claim settlement application; if the farmer does not want to apply, the terminal equipment can ignore the identification of the target agricultural product at this time. In one embodiment, after the farmer checks the claim settlement prompting information output by the terminal device, if the farmer judges that the target agricultural product indicated in the claim settlement prompting information is not the insurable agricultural product, the farmer can choose not to apply for the claim settlement.
And S403, the terminal equipment sends a claim settlement application to the insurance platform.
In an embodiment, the terminal device sends the claim settlement application to the insurance platform after generating the claim settlement application, and optionally, the insurance platform may output prompt information for submitting the claim settlement application after sending the claim settlement application to the terminal device, where the prompt information is used to prompt the farmer that the claim settlement application on the target agricultural product has been submitted to the insurance platform.
In the embodiment of the invention, after the terminal device receives the identification of the target agricultural product sent by the monitoring center when the monitoring center monitors that the target agricultural product meets the claim settlement condition, the claim settlement application is generated based on the identification of the agricultural product and sent to the insurance platform, the claim settlement application carrying the identification of the target agricultural product can be generated according to the health monitoring result of the monitoring center on the target agricultural product, and the insurance platform checks the claim settlement application based on the identification of the target agricultural product in the claim settlement application, so that the accuracy of the claim settlement application and the efficiency of claim settlement processing are improved.
Referring to fig. 5, a schematic structural diagram of a server according to an embodiment of the present invention is shown in fig. 5, which may include: an acquisition unit 501, an auditing unit 502, and a payment unit 503:
the obtaining unit 501 is configured to obtain an identifier of a target agricultural product and an insurance policy corresponding to a farmer when a claim settlement application for the target agricultural product submitted by a terminal device is received;
the auditing unit 502 is used for auditing the claim settlement application based on the identification of the target agricultural product and the insurance policy corresponding to the farmer;
and the payment unit 503 is configured to pay the corresponding claim payment of the target agricultural product to the farmer when the claim application is approved.
Optionally, the auditing unit 502 is specifically configured to:
acquiring an identification set of an insurable agricultural product included in an insurable policy corresponding to a farmer;
and if the identification set comprises the identification of the target agricultural product, determining that the examination of the claim settlement application is passed.
Optionally, the agricultural product cultivation system further includes a scanning terminal, and the implementation manner of the obtaining unit 501 when obtaining the identifier of the target agricultural product is as follows:
and receiving the identification of the target agricultural product reported by the scanning terminal, wherein the identification of the target agricultural product is sent to the scanning terminal by the monitoring device when receiving the identification scanning signal transmitted by the scanning terminal.
Optionally, the agricultural product cultivation system further comprises an agricultural product monitoring center, the claim settlement application carries an identifier of the target agricultural product, and the identifier of the target agricultural product is sent to the terminal device by the monitoring center when the monitoring center monitors that the target agricultural product meets the claim settlement condition.
Optionally, the agricultural product farming system further includes a loan platform, and the payment unit 503 is specifically configured to:
obtaining the corresponding outstanding money of the farmer from the loan platform;
paying the outstanding money to the loan platform from the claim payment corresponding to the target agricultural product;
and paying the rest claim payment obtained by deducting the unretained money from the claim payment corresponding to the target agricultural product to the farmer.
It is understood that each functional unit and the function of the unit of the data processing apparatus of this embodiment can be specifically implemented according to the method in the method embodiment shown in fig. 3, and are not described herein again.
In the embodiment of the invention, when a claim application for a target agricultural product is received, the obtaining unit 501 obtains an identifier of the target agricultural product and an insurance policy corresponding to a farmer, the auditing unit 502 audits the claim application based on the identifier of the target agricultural product and the insurance policy, after the auditing of the auditing unit 502 is passed, the payment unit 503 pays a claim corresponding to the target agricultural product to the farmer, and audits the claim based on the identifier of the target agricultural product and the insurance policy, so that whether the target agricultural product is an insurance agricultural product can be accurately judged, and the processing efficiency of claim processing of the agricultural products is improved.
Referring to fig. 6, a schematic structural diagram of a terminal device according to an embodiment of the present invention is shown in fig. 6, where the terminal device may include: receiving section 601, generating section 602, and transmitting section 603:
the receiving unit 601 is configured to receive an identifier of a target agricultural product sent by a monitoring center when it is monitored that the target agricultural product meets a claim settlement condition;
the generating unit 602 is configured to generate a claim settlement application according to the identifier of the target agricultural product;
the sending unit 603 is configured to send a claim settlement application to the insurance platform, where the claim settlement application is used to instruct the insurance platform to audit the claim settlement application based on the identifier of the target agricultural product and the insurance policy corresponding to the farmer.
Optionally, the terminal device further includes an output unit 604:
the output unit 604 is used for outputting claim settlement prompt information aiming at the target agricultural product to farmers;
the receiving unit 601 is further configured to receive a confirmation operation of the claim settlement prompt information input by the farmer;
the generating unit 602 is further configured to generate a claim application according to the identifier of the target agricultural product when the receiving unit 601 receives a confirmation operation of the claim prompt information input by the farmer.
It is understood that each functional unit and the function of the unit of the data processing apparatus of this embodiment can be specifically implemented according to the method in the method embodiment shown in fig. 4, and are not described herein again.
In the embodiment of the present invention, when the receiving unit 601 receives the identifier of the target agricultural product sent by the monitoring center, the generating unit 602 generates a claim application based on the identifier of the target agricultural product, the sending unit 63 sends the claim application to the insurance platform, the claim application carrying the identifier of the target agricultural product can be generated according to the health monitoring result of the monitoring center on the target agricultural product, and the insurance platform checks the claim application based on the identifier of the target agricultural product in the claim application, so that the accuracy of the claim application and the efficiency of claim processing are improved.
Referring to fig. 7, a schematic block diagram of a server according to an embodiment of the present invention is shown. The server in the present embodiment shown in fig. 7 corresponds to the insurance platform in the foregoing, and the server may include: one or more processors 701; one or more network interfaces 702 and memory 703. The processor 701, the network interface 702, and the memory 703 are connected by a bus 704. The memory 703 is used to store computer programs comprising program instructions and the processor 701 is used to execute the program instructions stored by the memory 603. Wherein, the processor 701 is configured to call a program instruction to execute:
when a claim settlement application for a target agricultural product submitted by a terminal device is received, acquiring an identifier of the target agricultural product and an application insurance policy corresponding to a farmer;
auditing the claim settlement application based on the identification of the target agricultural product and the insurance policy corresponding to the farmer;
and when the claim application is approved, paying the corresponding claim payment of the target agricultural product to the farmer.
Optionally, when the processor 701 examines the claim settlement application based on the identifier of the target agricultural product and the insurance policy corresponding to the farmer, the following steps are specifically performed:
acquiring an identification set of an insurable agricultural product included in an insurable policy corresponding to a farmer;
and if the identification set comprises the identification of the target agricultural product, determining that the examination of the claim settlement application is passed.
Optionally, the agricultural product cultivation system further includes a scanning terminal, and when the processor 701 is used for obtaining the identifier of the target agricultural product, the following steps are specifically performed:
and receiving the identification of the target agricultural product reported by the scanning terminal, wherein the identification of the target agricultural product is sent to the scanning terminal by the monitoring device when receiving the identification scanning signal transmitted by the scanning terminal.
Optionally, the agricultural product cultivation system further comprises an agricultural product monitoring center, the claim settlement application carries an identifier of the target agricultural product, and the identifier of the target agricultural product is sent to the terminal device by the monitoring center when the monitoring center monitors that the target agricultural product meets the claim settlement condition.
Optionally, the agricultural product farming system further includes a loan platform, and the processor 701 specifically executes, when paying a claim for a target agricultural product to a farmer:
obtaining the corresponding outstanding money of the farmer from the loan platform;
paying the outstanding money to the loan platform from the claim payment corresponding to the target agricultural product;
and paying the rest claim payment obtained by deducting the unretained money from the claim payment corresponding to the target agricultural product to the farmer.
It should be understood that, in the embodiment of the present invention, the Processor 701 may be a Central Processing Unit (CPU), and the Processor may also be other general processors, Digital Signal Processors (DSPs), Application Specific Integrated Circuits (ASICs), Field Programmable Gate Arrays (FPGAs) or other Programmable logic devices, discrete Gate or transistor logic devices, discrete hardware components, and the like. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
The network interface 702 is used to receive or transmit data when connecting to a network.
The memory 703 may include both read-only memory and random-access memory, and provides instructions and data to the processor 701. A portion of the memory 703 may also include non-volatile random access memory. For example, the memory 703 may also store information of the device type.
In a specific implementation, the processor 701 described in the embodiment of the present invention may execute the implementation described in the claim settlement method embodiment provided in fig. 3, and may also execute the implementation of the server described in fig. 5, which is not described herein again.
Referring to fig. 8, a schematic block diagram of a terminal device according to an embodiment of the present invention is shown. The terminal device as shown in fig. 8 may include: one or more processors 801; one or more transmitting devices 802; one or more receiving devices 803 and a memory 804. The processor 801, the transmitting device 802, the receiving device 803, and the memory 804 described above are connected by a bus 805. The memory 804 is used to store computer programs comprising program instructions, and the processor 801 is used to execute the program instructions stored by the memory 804. Wherein the processor 801 is configured to invoke the program instructions to perform:
receiving an identification of the target agricultural product sent by the monitoring center when the monitoring center monitors that the target agricultural product meets the claim settlement condition;
generating a claim settlement application according to the identification of the target agricultural product;
and sending a claim settlement application to the insurance platform, wherein the claim settlement application is used for instructing the insurance platform to audit the claim settlement application based on the identification of the target agricultural product and the insurable insurance policy corresponding to the farmer.
Optionally, the processor 801 is further configured to execute, when calling the program instruction:
outputting claim settlement prompt information aiming at the target agricultural products to farmers;
and when the confirmation operation of the claim settlement prompt information input by the farmer is received, executing the step of generating a claim settlement application according to the identification of the target agricultural product.
It should be understood that in embodiments of the present invention, the processor 801 may be a central processing unit CPU, and may also be other general purpose processors, digital signal processors DSP, application specific integrated circuits ASIC, off-the-shelf programmable gate arrays FPGA or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, or the like. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
And the sending device 802 is used for sending a claim settlement application to the insurance platform.
And the receiving device 803 is used for receiving the identification of the target agricultural product and the confirmation operation of the claim settlement prompt information input by the farmer.
The memory 804 may include both read-only memory and random access memory, and provides instructions and data to the processor 601. A portion of the memory 804 may also include non-volatile random access memory. For example, the memory 804 may also store device type information.
In a specific implementation, the processor 801 described in this embodiment of the present invention may execute the implementation described in the claim settlement method embodiment provided in fig. 4, and may also execute the implementation of the terminal device described in fig. 6, which is not described herein again.
It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by hardware related to instructions of a computer program, and the program can be stored in a computer readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. The storage medium may be a magnetic disk, an optical disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), or the like.
While the invention has been described with reference to a preferred embodiment, it will be understood by those skilled in the art that various changes in form and detail may be made therein without departing from the spirit and scope of the invention as defined by the appended claims.
Claims (10)
1. A claim settlement method is applied to an agricultural product cultivation system, the agricultural product cultivation system comprises terminal equipment and an insurance platform corresponding to farmers, and the method comprises the following steps:
when a claim settlement application for a target agricultural product submitted by the terminal equipment is received, the insurance platform acquires an identifier of the target agricultural product and an insurance policy corresponding to the farmer;
the insurance platform audits the claim settlement application based on the identification of the target agricultural product and an insurance application corresponding to the farmer;
and when the claim settlement application is approved, the insurance platform pays the claim payment corresponding to the target agricultural product to the farmer.
2. The method of claim 1, wherein the insurance platform reviews the claim application based on the identification of the target agricultural product and an insurance policy corresponding to the farmer, comprising:
the insurance platform acquires an identification set of the insurable agricultural products included in an insurable policy corresponding to the farmer;
and if the identification set comprises the identification of the target agricultural product, the insurance platform determines that the examination of the claim settlement application is passed.
3. The method of claim 2, further comprising a scanning terminal in the agricultural product farming system, wherein the target agricultural product carries a monitoring device, and wherein the insurance platform obtains an identification of the target agricultural product, comprising:
the insurance platform receives the identification of the target agricultural product reported by the scanning terminal, and the identification of the target agricultural product is sent to the scanning terminal by the monitoring device when receiving the identification scanning signal transmitted by the scanning terminal.
4. The method according to claim 2, wherein the agricultural product farming system further comprises a monitoring center of the agricultural product, the claim application carries an identifier of the target agricultural product, and the identifier of the target agricultural product is sent to the terminal device by the monitoring center when the monitoring center monitors that the target agricultural product meets the claim condition.
5. The method of claim 1, wherein a loan platform is further included in the agricultural product farming system, and the insurance platform pays the farmer a corresponding payment for the target agricultural product, including:
the insurance platform acquires the outstanding money corresponding to the farmer from the loan platform;
the insurance platform pays the outstanding money to the loan platform from the claim payment corresponding to the target agricultural product;
and the insurance platform pays the remaining claims after the undetected money is deducted from the claims corresponding to the target agricultural product to the farmers.
6. A claim settlement method is applied to an agricultural product cultivation system, wherein the agricultural product cultivation system comprises terminal equipment corresponding to farmers, a monitoring center of agricultural products and an insurance platform, and the method comprises the following steps:
the terminal equipment receives an identification of a target agricultural product sent by the monitoring center when the monitoring center monitors that the target agricultural product meets the claim settlement condition;
the terminal equipment generates a claim settlement application according to the identification of the target agricultural product;
and the terminal equipment sends the claim settlement application to the insurance platform, wherein the claim settlement application is used for instructing the insurance platform to audit the claim settlement application based on the identification of the target agricultural product and an insurance policy corresponding to the farmer.
7. The method according to claim 6, wherein after the terminal device receives the identifier of the target agricultural product sent by the monitoring center when it is monitored that the target agricultural product meets the claim condition, before the terminal device generates a claim application according to the identifier of the target agricultural product, the method further comprises:
the terminal equipment outputs claim settlement prompt information aiming at the target agricultural product to the farmer;
and when receiving the confirmation operation of the claim settlement prompt information input by the farmer, the terminal equipment executes the step of generating a claim settlement application according to the identification of the target agricultural product.
8. A server, comprising a memory, a network interface, and a processor, the network interface, and the memory being interconnected, the memory for storing a computer program comprising program instructions, the processor configured to invoke the program instructions to perform the method of claim 1-5.
9. A terminal device, comprising: a processor, a sending device, a receiving device and a memory, the processor, the sending device, the receiving device and the memory being interconnected, the memory for storing a computer program, the computer program comprising program instructions, the processor being configured to invoke the program instructions to perform the method of claim 6 or 7.
10. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a first computer program comprising first program instructions that, when executed by a processor, cause the processor to carry out the method of claim 1-5; or the computer-readable storage medium stores a second computer program comprising second program instructions which, when executed by a processor, cause the processor to carry out the method of claim 6 or 7.
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| CN201811463969.7A CN111260480A (en) | 2018-11-30 | 2018-11-30 | Claims settlement method, server, terminal device and storage medium |
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| CN201811463969.7A CN111260480A (en) | 2018-11-30 | 2018-11-30 | Claims settlement method, server, terminal device and storage medium |
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