CN113469823A - Agricultural insurance platform based on block chain - Google Patents
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- CN113469823A CN113469823A CN202110733339.2A CN202110733339A CN113469823A CN 113469823 A CN113469823 A CN 113469823A CN 202110733339 A CN202110733339 A CN 202110733339A CN 113469823 A CN113469823 A CN 113469823A
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- G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
- G06Q50/02—Agriculture; Fishing; Mining
Abstract
The invention relates to the technical field of block chains, in particular to an agricultural insurance platform based on a block chain, which comprises: the system comprises a plurality of data collectors, a plurality of planting areas and a plurality of data processing units, wherein the data collectors are connected into the planting areas, and the environmental data and the meteorological data of the planting areas are stored and fixed through a block chain; the insurance policy receiving module is used for making an insurance policy model for each planting area and submitting the insurance policy model to the insurance policy receiving module after the agricultural insurance company signs the insurance policy with the peasant household; and the automatic claim settlement module issues the policy model to a data acquisition unit accessed to the planting area, the data acquisition unit executes the policy model periodically, and if the claim settlement condition is met, the automatic claim settlement module is notified, and the token corresponding to the claim settlement amount is transferred from the virtual account of the agricultural insurance company to the virtual account of the farmer. The substantial effects of the invention are as follows: the insurance policy and the claim settlement are recorded into an electronic system, so that the efficiency of insurance and claim settlement is improved; the token transaction replaces the traditional paying mode, so that the paying efficiency is effectively improved.
Description
Technical Field
The invention relates to the technical field of block chains, in particular to an agricultural insurance platform based on a block chain.
Background
The agricultural insurance is an insurance specially used for guaranteeing the economic loss caused by the insurance accidents such as natural disasters, accidental diseases, diseases and the like when an agricultural producer engages in the production process of planting industry, forestry industry, animal husbandry and fishery industry. Through policy agricultural insurance, can replace direct subsidy to implement reasonable effectual protection to our country's agriculture in the scope that the world trade organization rule allows, alleviate the impact of joining the world trade organization and bringing, reduce the influence of natural disasters to agricultural production, stabilize peasant income, promote the development of agriculture and rural economy. In China, agricultural insurance is an important component for solving the problem of agriculture, agriculture and forestry. Agricultural insurance is classified into planting insurance and breeding insurance according to different agricultural types.
Crop insurance takes grain crops such as rice and wheat and economic crops such as cotton and tobacco leaves as objects, and the insurance of taking the loss of the harvest yield value or the production cost caused by natural disasters or accidents during the growth period of various crops as the insurance of the insurance underwritten responsibility. During the growth of crops, the yield of crops depends in part on the soil environment and natural conditions, the resistance of crops to natural disasters, and the cultivation and management of producers. However, the current agricultural insurance has high operation cost and low insurance and compensation efficiency, and limits the coverage of agricultural insurance.
The Chinese patent CN109410076A is found to be the closest prior art to the application through retrieval, the publication date of the Chinese patent CN109410076A is 3, 1 and 2019, and an agricultural product traceability insurance public service platform based on a block chain technology is recorded and comprises a block chain data acquisition and storage subsystem, an insurance business transaction management subsystem, a public service portal, a third party interface service subsystem and a data statistics subsystem; the system comprises a block chain data acquisition and storage subsystem, a block chain data acquisition and storage subsystem and a block chain management subsystem, wherein the block chain data acquisition and storage subsystem collects credit data files and information related to bit currency block chains related to the credit data files, and the information is recorded and stored in the block chain of the subsystem after being subjected to information verification through each information node; the insurance business transaction management subsystem is used for providing online transaction management service for insurance companies; and the public service portal is used for providing insurance transaction results and online inquiry of transaction files. Although the technical scheme binds the data of various production and operation activities of agricultural enterprises and financial insurance services through a block chain technology to reduce the risk of the agricultural enterprises, the technical scheme can not realize the effect of reducing the workload of insurance and claim and further reducing the operation cost of the agricultural insurance enterprises. Agricultural insurance systems are in urgent need of targeted improvement research.
Disclosure of Invention
The technical problem to be solved by the invention is as follows: at present, the agricultural insurance goes out of danger and the technical problem of low paying efficiency. The agricultural insurance platform based on the block chain is provided, the insurance and the compensation efficiency can be accelerated, and the operating cost of agricultural insurance enterprises is reduced.
In order to solve the technical problems, the technical scheme adopted by the invention is as follows: a blockchain-based agricultural insurance platform comprising: the data acquisition units are used for acquiring environmental data and meteorological data of crop growth and storing and fixing the environmental data and the meteorological data of the planting areas through a block chain; the insurance policy receiving module is connected with the data collectors, after the agricultural insurance company signs the insurance policy with the peasant household, a insurance policy model is made for each planting area and submitted to the insurance policy receiving module, the insurance policy model records insurance policy claim settlement conditions and claim settlement amounts, and the claim settlement conditions comprise environmental data conditions and meteorological data conditions; the automatic claim settlement module is connected with the plurality of data collectors and the insurance policy receiving module, a virtual account is set for each farmer and each agricultural insurance company in a block chain by the automatic claim settlement module, the agricultural insurance companies deposit a plurality of token money on the virtual account, the automatic claim settlement module issues the insurance policy model to the data collectors accessed in the planting area, the data collectors periodically execute the insurance policy model, and if the claim settlement condition of the insurance policy model is met, the automatic claim settlement module is informed, and the token money corresponding to the claim settlement amount is transferred to the virtual account of the farmer from the virtual account of the agricultural insurance company.
Preferably, the data acquisition unit comprises a data receiving unit, a data storage unit, a data evidence storage unit and a policy maintenance execution unit, wherein a temperature and humidity sensor, a wind speed sensor, an illumination sensor and a soil pH value sensor are distributed in the planting area, the temperature and humidity sensor, the wind speed sensor, the illumination sensor and the soil pH value sensor are all connected with the data receiving unit, the data receiving unit periodically collects the detection data of the temperature and humidity sensor, the wind speed sensor, the illumination sensor and the soil pH value sensor, and submitting the data to the data storage unit for storage, wherein the data storage unit periodically extracts the hash value of the incremental data of the data storage unit, uploads the hash value to a block chain for storage, obtains the corresponding block height and the block hash value, and stores the block height and the block hash value by the data storage unit, and the policy execution unit extracts the data of the data storage unit and substitutes the data into a policy model.
Preferably, the data acquisition unit allocates an identifier to each temperature and humidity sensor, each wind speed sensor, each illumination sensor and each soil ph sensor, the data storage unit establishes a plurality of storage rails, each storage rail adopts a sequential storage structure, an initial certificate storage point is established at the beginning end of each storage rail, a random number is stored in each initial certificate storage point, the random numbers serve as initial associated hash values, the storage rails are associated with the identifiers one by one, the data storage unit stores the detection data periodically collected by the data receiving unit into the storage rails corresponding to the identifiers respectively, the data certificate storage unit periodically establishes certificate storage points in the storage rails, the certificate storage points occupy a storage space with a preset length, the latest hash value of the detection data between the two certificate storage points is extracted and stored into the certificate storage points, and the hash value stored in the certificate storage points and the associated hash value stored in the last certificate storage point are extracted together, and the data evidence storing unit extracts the hash values from the latest associated hash values together in a preset period, uploads the hash values as evidence storing hash values to a block chain for storage, obtains corresponding block heights and block hash values, and stores the block heights and the block hash values in the latest evidence storing point.
Preferably, when the data evidence storing unit generates a new associated hash value, the latest detection data between two evidence storing points is broken up into subdata according to a preset length, one subdata is randomly selected from all the subdata, the selected subdata and the latest associated hash value are extracted together to serve as a characteristic hash value, the tail N bits of the characteristic hash value of each storage track are the same, if all the subdata of a certain storage track cannot obtain the characteristic hash value meeting the requirement, the data evidence storing unit further breaks up the subdata of all the storage tracks into smaller subdata, the characteristic hash value of each storage track is built again, and the tail N bits of the characteristic hash value of all the storage tracks are the same.
Preferably, the data storage unit sequences the storage tracks, constructs the characteristic hash value of a first storage track, then sequentially constructs the characteristic hash values of subsequent storage tracks, so that the last bits of the constructed characteristic hash values are the same, when the time for constructing the characteristic hash values of all the storage tracks is lower than a preset threshold, tries to reconstruct the characteristic hash values of other storage tracks except the first storage track, so that the last two bits of the characteristic hash values are the same, and if the time for successfully constructing the characteristic hash values of all the storage tracks is lower than the preset threshold, tries to reconstruct the characteristic hash values of other storage tracks except the first storage track, so that the last three bits of the characteristic hash values are the same, and continuously increases the value of N until the time for constructing the characteristic hash values exceeds the preset threshold.
Preferably, the policy execution unit associates a temperature and humidity sensor, a wind speed sensor, an illumination sensor and a soil pH sensor with each planting area, transfers temperature and humidity data, wind speed data, illumination data and soil pH data of the planting areas according to the planting areas corresponding to the policy model, and if the number of records exceeding a preset threshold in the temperature and humidity data, the wind speed data, the illumination data or the soil pH data exceeds the threshold, determines that crops in the planting areas suffer from a disaster, and notifies the automatic claim settlement module to carry out claim settlement.
Preferably, when the policy execution unit finds that a certain planting area needs to be subjected to claim settlement, the policy execution unit searches for the planting areas of the same crops in the area near the planting area, if the policy execution unit finds that the planting areas of the same crops in the area near the planting area need to be subjected to claim settlement, the policy execution unit executes a policy model corresponding to the planting area, if the percentage of the planting areas in the area near the planting area meeting the claim settlement condition exceeds a set percentage, the policy execution unit notifies the automatic claim settlement module, and if the percentage of the planting areas in the area near the planting area not meeting the claim settlement condition exceeds the set percentage, the policy execution unit sends a data exception alarm.
Preferably, the data collector further comprises a greenhouse data synchronization unit, the greenhouse data synchronization unit is connected with a controller of the planting greenhouse to obtain greenhouse internal environment data and greenhouse control data of the planting greenhouse, the greenhouse internal environment data comprises greenhouse internal air temperature and humidity, greenhouse internal soil pH value, greenhouse CO2 concentration, greenhouse internal illumination intensity and greenhouse internal images, the greenhouse control data comprises a control instruction sent by the greenhouse controller, the data collector assigns greenhouse identifications to the planting greenhouse, the data storage unit stores the greenhouse internal environment data in association with the greenhouse identifications, the data storage unit stores the greenhouse internal environment data through a block chain, the policy receiving module stores a greenhouse policy model for the planting greenhouse, the policy claim condition of the greenhouse policy model comprises an environment data claim condition and a control data claim condition, the environmental data claim condition records an allowable range of the environmental data in the shed, if the allowable range is exceeded, the claim condition is met, the control data claim condition collects the control data of the shed and the environmental data in the shed, whether the control instruction is matched with the change of the environmental data in the shed or not is judged, and if the control instruction which is not matched with the change of the environmental data in the shed exceeds a preset threshold value, the claim condition is met.
The substantial effects of the invention are as follows: 1) the data collector collects crop growth environment data, the insurance policy and the claim settlement are recorded into the electronic system, when the crop growth environment is subjected to disasters, the electronic system can automatically judge and carry out the claim settlement at the first time, and the efficiency of taking out risks and settling the claim is improved; 2) by utilizing the characteristic that a block chain distributed account book cannot be modified, virtual accounts are set on the block chain for agricultural insurance enterprises and insurance participating farmers, and the conventional paying mode is replaced by token transactions, the tokens can be exchanged into cash according to a preset exchange rate through a bank, and the bank settles with insurance companies uniformly, so that the paying efficiency is effectively improved; 3) the data of the crop growth environment is stored and verified by means of the block chain, so that the data of the crop growth environment is real and credible, malicious cheating and protection are avoided, and the benefits of agricultural insurance enterprises are guaranteed.
Drawings
FIG. 1 is a schematic view of an agricultural insurance platform according to an embodiment.
Fig. 2 is a schematic structural diagram of a data collector according to an embodiment.
FIG. 3 is a diagram of a memory track according to an embodiment.
FIG. 4 is a diagram illustrating a claim settlement determination according to an embodiment.
Fig. 5 is a schematic view illustrating the settlement of claims in the second shed according to the embodiment.
Wherein: 10. the system comprises a policy receiving module 11, a policy model 20, an automatic claim settlement module 30, a data acquisition unit 31, a data receiving unit 32, a data storage unit 33, a data evidence storage unit 34, a policy execution unit 320, a storage rail 321, an evidence storage point 40, a planting area 41, a temperature and humidity sensor 42, an air speed sensor 43, an illumination sensor 44 and a soil pH value sensor.
Detailed Description
The following provides a more detailed description of the present invention, with reference to the accompanying drawings.
The first embodiment is as follows:
an agricultural insurance platform based on a block chain, please refer to fig. 1, the embodiment includes: the data acquisition devices 30 are connected with the planting areas 40, the data acquisition devices 30 acquire environmental data and meteorological data of crop growth, and the environmental data and the meteorological data of the planting areas 40 are stored and fixed through a block chain; the insurance policy receiving module 10 is connected with the data collectors 30, after the agricultural insurance company signs the insurance policy with the peasant household, a insurance policy model 11 is made for each planting area 40 and submitted to the insurance policy receiving module 10, the insurance policy model 11 records insurance policy claim settlement conditions and claim settlement amounts, and the claim settlement conditions comprise environmental data conditions and meteorological data conditions; the automatic claim settlement module 20 is connected with the data collectors 30 and the policy receiving module 10, the automatic claim settlement module 20 sets a virtual account for each farmer and agricultural insurance company in the block chain, the agricultural insurance company deposits a plurality of token money on the virtual account, the automatic claim settlement module 20 issues the policy model 11 to the data collector 30 accessed to the planting area 40, the data collector 30 periodically executes the policy model 11, and if the claim settlement condition of the policy model 11 is met, the automatic claim settlement module 20 is notified, and the token money of the corresponding claim amount is transferred from the virtual account of the agricultural insurance company to the virtual account of the farmer.
Referring to fig. 2, the data acquisition unit 30 includes a data receiving unit 31, a data storage unit 32, a data evidence storage unit 33 and a policy maintenance execution unit 34, wherein a temperature and humidity sensor 41, an air velocity sensor 42, an illumination sensor 43 and a soil ph sensor 44 are distributed in a planting area 40, the temperature and humidity sensor 41, the air velocity sensor 42, the illumination sensor 43 and the soil ph sensor 44 are all connected to the data receiving unit 31, the data receiving unit 31 periodically collects the detection data of the temperature and humidity sensor 41, the air velocity sensor 42, the illumination sensor 43 and the soil ph sensor 44 and submits the detection data to the data storage unit 32 for storage, the data evidence storage unit 33 periodically extracts the hash value of the incremental data of the data storage unit 32, uploads the hash value to a block chain for storage, and the obtained corresponding block height and block hash value are stored by the data storage unit 32, the policy enforcement unit 34 extracts the data of the data storage unit 32 and substitutes into the policy model 11. For example, after the corns are planted and bud, the corns in the bud stage are most contraindicated to be dry, the root systems of the corns are not developed yet, and manual irrigation needs to be carried out in time. In the middle of corn growth, which generally belongs to summer, the corn plants can resist drought to a certain extent as long as the soil humidity is within a threshold range. However, thunderstorm weather exists in summer, and strong wind can also occur along with the thunderstorm weather. High winds can cause lodging and even breakage of corn plants. Thus, strong wind disasters need to be emphasized in the middle period. In the grouting period, the air in the cloudy day can be exposed, which can cause the problems of insufficient grouting and sparse particles. Resulting in poor quality of the corn produced and difficult to sell successfully. The problem of insufficient pollination caused by weather reasons can be solved by artificial pollination, so that the current pollination problem can not bring obvious yield reduction problem basically. The temperature and humidity sensor 41, the wind speed sensor 42, the illumination sensor 43 and the soil pH value sensor 44 can be used for acquiring the growing environment problem in the corn growing process, and whether the corresponding agricultural disaster happens or not can be judged by executing the policy-keeping model 11, so that the danger is brought out.
The data collector 30 allocates identifiers for each of the temperature and humidity sensor 41, the wind speed sensor 42, the illumination sensor 43 and the soil ph sensor 44, and the data storage unit 32 establishes a plurality of storage tracks 320. Referring to fig. 3, the storage track 320 adopts a sequential storage structure, an initial storage point 321 is established at the beginning end of the storage track 320, random numbers are stored in the initial storage point 321, the random numbers are used as initial associated hash values, the storage tracks 320 are associated with the identifiers one by one, the data storage unit 32 stores the detection data periodically collected by the data receiving unit 31 into the storage tracks 320 corresponding to the identifiers, the data storage unit 33 periodically establishes the storage points 321 in the storage track 320, the storage points 321 occupy a storage space with a preset length, the hash value of the detection data between the two latest storage points 321 is extracted and stored into the storage points 321, the hash value stored in the storage points 321 and the associated hash value stored in the last storage point 321 are extracted together to be used as a new associated hash value and stored into the latest storage point 321, the data storage unit 33 extracts the hash value together with the latest associated hash value in a preset period, uploading the hash value as a certificate-storing hash value to a block chain for storage, obtaining the corresponding block height and the corresponding block hash value, and storing the block hash value in the latest certificate-storing point 321.
When the data evidence storing unit 33 generates a new associated hash value, the latest detection data between the two evidence storing points 321 is broken up into sub-data according to a preset length, one sub-data is randomly selected from all the sub-data, the selected sub-data and the latest associated hash value are extracted together to serve as a characteristic hash value, the tail N bits of the characteristic hash value of each storage track 320 are the same, if all the sub-data of a certain storage track 320 cannot obtain the characteristic hash value meeting the requirement, the data evidence storing unit 33 further breaks up the sub-data of all the storage tracks 320 into smaller sub-data, the characteristic hash value of each storage track 320 is constructed again, and the tail N bits of the characteristic hash value of all the storage tracks 320 are the same. If a certain characteristic hash value is: CF17E96DD64DF6F185C4563F5D27755ED4DCC0E322A40DD9A6BA76770EAC74B9Then, the last three bits of the rest feature hash values must also be 4B9, and the probability that the last 3 bits have the same value is one-third of the power of 16, and the probability is moderate. However, the value of the characteristic hash value is limited due to limited sub-data, so that the difficulty of workload certification is increased, the time for smearing traces after data tampering is delayed, and the difficulty of data tampering is improved.
The data storage unit 33 sequences the storage tracks 320 to construct a characteristic hash value of a first storage track 320, then sequentially constructs characteristic hash values of subsequent storage tracks 320, so that the last bits of the constructed characteristic hash values are the same, when the time for constructing the characteristic hash values of all the storage tracks 320 is lower than a preset threshold, tries to reconstruct the characteristic hash values of other storage tracks 320 except the first storage track 320, so that the last two bits of the characteristic hash values are the same, and if the time for successfully constructing the characteristic hash values of all the storage tracks 320 is lower than the preset threshold, tries to reconstruct the characteristic hash values of other storage tracks 320 except the first storage track 320, so that the last three bits of the characteristic hash values are the same, and continuously increases the value of N until the time for constructing the characteristic hash values exceeds the preset threshold.
The policy-keeping execution unit 34 associates a temperature and humidity sensor 41, a wind speed sensor 42, an illumination sensor 43 and a soil ph sensor 44 with each planting area 40, retrieves temperature and humidity data, wind speed data, illumination data and soil ph data of the planting area 40 according to the planting area 40 corresponding to the policy-keeping model 11, and if the number of records exceeding a preset threshold in the temperature and humidity data, the wind speed data, the illumination data or the soil ph data exceeds the threshold, determines that crops in the planting area 40 suffer from a disaster, and notifies the automatic claim settlement module 20 to carry out claim settlement.
Referring to fig. 4, when the policy execution unit 34 finds that a certain planting area 40 needs to be settled, it searches for the planting areas 40 of the same crops in the area near the planting area 40, if it is found, the policy model 11 corresponding to the planting area 40 is executed, if the percentage of the planting areas 40 in the near area meeting the settlement condition exceeds the set percentage, the automatic settlement module 20 is notified, and if the percentage of the planting areas 40 in the near area not meeting the settlement condition exceeds the set percentage, the data exception alarm is issued.
The beneficial technical effects of this embodiment are: the data collector 30 collects crop growth environment data, the insurance policy and the claim settlement are recorded into the electronic system, when the crop growth environment is subjected to disasters, the electronic system can automatically judge and carry out the claim settlement at the first time, and the efficiency of taking out risks and settling the claim is improved; by utilizing the characteristic that a block chain distributed account book cannot be modified, virtual accounts are set on the block chain for agricultural insurance enterprises and insurance participating farmers, and the conventional paying mode is replaced by token transactions, the tokens can be exchanged into cash according to a preset exchange rate through a bank, and the bank settles with insurance companies uniformly, so that the paying efficiency is effectively improved; the data of the crop growth environment is stored and verified by means of the block chain, so that the data of the crop growth environment is real and credible, malicious cheating and protection are avoided, and the benefits of agricultural insurance enterprises are guaranteed.
Example two:
the utility model provides an agricultural insurance platform based on block chain, this embodiment is to planting the characteristics that can independently adjust crops growing environment of big-arch shelter on the basis of embodiment one to and there is the damage risk in planting the big-arch shelter itself, has carried out the pertinence improvement to insurance platform, in order to make agricultural insurance can cover planting the big-arch shelter. In this embodiment, the data collector 30 further includes a greenhouse data synchronization unit, please refer to fig. 5, where the greenhouse data synchronization unit is connected to the controller of the planting greenhouse to obtain the environmental data and greenhouse control data in the planting greenhouse; the greenhouse internal environment data comprise greenhouse internal air temperature and humidity, greenhouse soil pH value, greenhouse CO2 concentration, greenhouse internal illumination intensity and greenhouse internal images, the greenhouse control data comprise a control instruction sent by a greenhouse controller, the data acquisition unit 30 allocates a greenhouse identification to the planting greenhouse, and the data storage unit 32 stores the greenhouse internal environment data in association with the greenhouse identification; the data evidence storing unit 33 stores the environmental data in the greenhouse through the block chain; the policy receiving module 10 stores a greenhouse policy model 11 for the planting greenhouse, policy claim conditions of the greenhouse policy model 11 include environmental data claim conditions and control data claim conditions, the environmental data claim conditions record an allowable range of environmental data in the greenhouse, and if the allowable range is exceeded, the claim conditions are met; the control data claim condition is used for collecting greenhouse control data and greenhouse internal environment data, judging whether the control instruction is matched with the change of the greenhouse internal environment data or not, and if the control instruction which is not matched with the change of the greenhouse internal environment data exceeds a preset threshold value, the claim condition is met.
And if the control instruction is not matched with the change of the environment data in the greenhouse, the environment regulation and control capability of the planting greenhouse is damaged. If the control command is to increase the rotating speed of the ventilation fan to reduce the temperature in the greenhouse, after the command is issued, the temperature in the greenhouse is not reduced or the reduction range is smaller. This indicates a broken ventilation fan. If the rotating speed of the ventilation fan needs to be increased, the temperature in the greenhouse is too high, and the greenhouse is not suitable for crop growth. If the temperature exceeds the threshold value, the crop is seriously reduced in yield, and environmental data claim settlement conditions are triggered to ensure that the insurance policy is in danger. Or the greenhouse is improperly operated, closed for heat preservation at night, and the window is not opened in time for ventilation and cooling in the daytime, so that the temperature exceeds a threshold value, and the serious yield reduction is caused. Environmental data claim conditions are also triggered to partially offset the economic loss of faulty operation. If the temperature does not reach the degree of causing serious crop yield reduction at the moment, but the environment in the greenhouse cannot be effectively controlled, the condition that greenhouse equipment is damaged is indicated, the control data claim condition is met, and the policy is in danger for making up economic loss caused by equipment damage. The claim limit corresponding to the environmental data claim condition and the control data claim condition can be different. Compared with the first embodiment, the method improves the paying type and coverage range of agricultural insurance.
The above-described embodiments are only preferred embodiments of the present invention, and are not intended to limit the present invention in any way, and other variations and modifications may be made without departing from the spirit of the invention as set forth in the claims.
Claims (8)
1. An agricultural insurance platform based on a block chain is characterized in that,
the method comprises the following steps:
the data acquisition units are used for acquiring environmental data and meteorological data of crop growth and storing and fixing the environmental data and the meteorological data of the planting areas through a block chain;
the insurance policy receiving module is connected with the data collectors, after the agricultural insurance company signs the insurance policy with the peasant household, a insurance policy model is made for each planting area and submitted to the insurance policy receiving module, the insurance policy model records insurance policy claim settlement conditions and claim settlement amounts, and the claim settlement conditions comprise environmental data conditions and meteorological data conditions;
the automatic claim settlement module is connected with the plurality of data collectors and the insurance policy receiving module, a virtual account is set for each farmer and each agricultural insurance company in a block chain by the automatic claim settlement module, the agricultural insurance companies deposit a plurality of token money on the virtual account, the automatic claim settlement module issues the insurance policy model to the data collectors accessed in the planting area, the data collectors periodically execute the insurance policy model, and if the claim settlement condition of the insurance policy model is met, the automatic claim settlement module is informed, and the token money corresponding to the claim settlement amount is transferred to the virtual account of the farmer from the virtual account of the agricultural insurance company.
2. The blockchain-based agricultural insurance platform of claim 1,
the data acquisition unit comprises a data receiving unit, a data storage unit, a data evidence storage unit and a policy maintenance execution unit, wherein a temperature and humidity sensor, a wind speed sensor, an illumination sensor and a soil pH value sensor are distributed in the planting area, the temperature and humidity sensor, the wind speed sensor, the illumination sensor and the soil pH value sensor are all connected with the data receiving unit, the data receiving unit periodically collects the detection data of the temperature and humidity sensor, the wind speed sensor, the illumination sensor and the soil pH value sensor, and submitting the data to the data storage unit for storage, wherein the data storage unit periodically extracts the hash value of the incremental data of the data storage unit, uploads the hash value to a block chain for storage, obtains the corresponding block height and the block hash value, and stores the block height and the block hash value by the data storage unit, and the policy execution unit extracts the data of the data storage unit and substitutes the data into a policy model.
3. The blockchain-based agricultural insurance platform of claim 2,
the data acquisition unit allocates identifiers for each temperature and humidity sensor, each wind speed sensor, each illumination sensor and each soil pH value sensor, the data storage unit establishes a plurality of storage rails, each storage rail adopts a sequential storage structure, an initial certificate storage point is established at the starting end of each storage rail, a random number is stored in each initial certificate storage point and serves as an initial associated hash value, the storage rails are associated with the identifiers one by one, the data storage unit respectively stores detection data periodically collected by the data receiving unit into the storage rails corresponding to the identifiers, the data certificate storage unit periodically establishes certificate storage points on the storage rails, the certificate storage points occupy a storage space with a preset length, the hash value of the detection data between the latest two certificate storage points is extracted and stored into the certificate storage points, and the hash value stored in each certificate storage point and the associated hash value stored in the last certificate storage point are extracted together, and the data evidence storing unit extracts the hash values from the latest associated hash values together in a preset period, uploads the hash values as evidence storing hash values to a block chain for storage, obtains corresponding block heights and block hash values, and stores the block heights and the block hash values in the latest evidence storing point.
4. The blockchain-based agricultural insurance platform of claim 3,
when the data evidence storing unit generates a new associated hash value, the latest detection data between two evidence storing points are scattered into subdata according to a preset length, one subdata is randomly selected from all the subdata, the selected subdata and the latest associated hash value are extracted together to serve as a characteristic hash value, the tail N bits of the characteristic hash value of each storage track are the same, if all the subdata of a certain storage track cannot obtain the characteristic hash value meeting the requirement, the data evidence storing unit further scatters the subdata of all the storage tracks into smaller subdata, the characteristic hash value of each storage track is constructed again, and the tail N bits of the characteristic hash value of all the storage tracks are the same.
5. The blockchain-based agricultural insurance platform of claim 4,
the data storage certification unit sequences the storage tracks, constructs a characteristic hash value of a first storage track, then sequentially constructs characteristic hash values of subsequent storage tracks, enables the last bits of the constructed characteristic hash values to be the same, when the time for constructing the characteristic hash values of all the storage tracks is lower than a preset threshold, tries to reconstruct the characteristic hash values of other storage tracks except the first storage track, enables the last two bits of the characteristic hash values to be the same, if the time for successfully constructing the characteristic hash values of all the storage tracks is lower than the preset threshold, tries to reconstruct the characteristic hash values of other storage tracks except the first storage track, enables the last three bits of the characteristic hash values to be the same, and continuously improves the value of N until the time for constructing the characteristic hash values exceeds the preset threshold.
6. The blockchain-based agricultural insurance platform of claim 2 or 3,
the policy maintenance execution unit is used for associating a temperature and humidity sensor, a wind speed sensor, an illumination sensor and a soil pH value sensor with each planting area, temperature and humidity data, wind speed data, illumination data and soil pH value data of the planting areas are obtained according to the planting areas corresponding to the policy maintenance model, if the number of records exceeding a preset threshold value in the temperature and humidity data, the wind speed data, the illumination data or the soil pH value data exceeds the threshold value, it is judged that crops in the planting areas suffer from disasters, and an automatic claim settlement module is notified to carry out claim settlement.
7. The blockchain-based agricultural insurance platform of claim 6,
and when the policy execution unit obtains that a certain planting area needs to be subjected to claim settlement, searching for the planting areas of the same crops in the area near the planting area, if so, executing a policy model corresponding to the planting area, if the proportion of the planting areas meeting the claim settlement conditions in the near area exceeds a set percentage, informing an automatic claim settlement module, and if the proportion of the planting areas not meeting the claim settlement conditions in the near area exceeds the set percentage, sending a data exception alarm.
8. The blockchain-based agricultural insurance platform of claim 2 or 3,
the data acquisition unit also comprises a greenhouse data synchronization unit, the greenhouse data synchronization unit is connected with a controller of the planting greenhouse to obtain greenhouse internal environment data and greenhouse control data of the planting greenhouse, the greenhouse internal environment data comprises greenhouse air temperature and humidity, greenhouse soil pH value, greenhouse CO2 concentration, greenhouse illumination intensity and greenhouse images, the greenhouse control data comprises a control instruction sent by the greenhouse controller,
the data acquisition unit is used for distributing greenhouse identifications to the planting greenhouse, the data storage unit is used for storing the environmental data in the greenhouse in association with the greenhouse identifications, the data evidence storage unit is used for storing the environmental data in the greenhouse through a block chain,
the policy receiving module stores a greenhouse policy model aiming at the planting greenhouse, policy claim settlement conditions of the greenhouse policy model comprise environmental data claim settlement conditions and control data claim settlement conditions,
the environmental data claim settlement condition records the allowable range of the environmental data in the shed, if the allowable range is exceeded, the claim settlement condition is met,
the control data claim condition is used for collecting greenhouse control data and greenhouse internal environment data, judging whether the control instruction is matched with the change of the greenhouse internal environment data or not, and if the control instruction which is not matched with the change of the greenhouse internal environment data exceeds a preset threshold value, the claim condition is met.
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