CN113469823B - Agricultural insurance platform based on block chain - Google Patents
Agricultural insurance platform based on block chain Download PDFInfo
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- CN113469823B CN113469823B CN202110733339.2A CN202110733339A CN113469823B CN 113469823 B CN113469823 B CN 113469823B CN 202110733339 A CN202110733339 A CN 202110733339A CN 113469823 B CN113469823 B CN 113469823B
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Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
- G06F16/27—Replication, distribution or synchronisation of data between databases or within a distributed database system; Distributed database system architectures therefor
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- 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, a plurality of data acquisition units and a plurality of data acquisition units, wherein the environmental data and the meteorological data of the planting areas are stored and fixed through a blockchain; the insurance policy receiving module is used for making insurance policy models for each planting area and submitting the insurance policy models to the insurance policy receiving module after the agricultural insurance company and farmers sign up the insurance policy; and the automatic claim settlement module issues the policy model to a data acquisition device connected to the planting area, the data acquisition device periodically executes the policy model, if the claim settlement condition is met, the automatic claim settlement module is informed, and tokens corresponding to the claim settlement amount are transferred from a virtual account of an agricultural insurance company to a virtual account of a farmer. The invention has the following substantial effects: the insurance policy and the claim are input into the electronic system, so that the efficiency of the insurance and the claim settlement is improved; the token transaction is used for replacing the traditional pay mode, so that the pay efficiency is effectively improved.
Description
Technical Field
The invention relates to the technical field of blockchains, in particular to an agricultural insurance platform based on a blockchain.
Background
The agricultural insurance is a kind of insurance which is specially used for guaranteeing economic losses caused by natural disasters, accidental epidemic diseases, diseases and other insurance accidents in the production process of planting industry, forestry, animal husbandry and fishery of agricultural producers. Through the policy-based agricultural insurance, the method can replace direct subsidy to implement reasonable and effective protection on the agriculture of China within the scope allowed by the rules of the world trade organization, lighten the impact brought by adding the world trade organization, reduce the influence of natural disasters on the agricultural production, stabilize the income of farmers and promote the development of agriculture and rural economy. In China, agricultural insurance is an important component for solving the problem of 'three farmers'. Agricultural insurance is classified into planting industry insurance and breeding industry insurance according to different agricultural types.
The crop insurance takes grain crops such as rice, wheat and the like and economic crops such as cotton, tobacco and the like as targets, and takes the loss of harvest value or production cost caused by natural disasters or accidents during the growth of various crops as insurance of the underwriting responsibility. During crop growth, the harvest yield is quite dependent in part on the soil environment and natural conditions, the crop's ability to resist natural disasters, and the producer's cultivation management. However, the present agricultural insurance has higher operation cost and low efficiency of insurance and payment, and limits the coverage range of the agricultural insurance.
The Chinese patent CN109410076A is found to be the closest prior art to the application through searching, the publication date is 2019, 3 months and 1 days, and an agricultural product traceability insurance public service platform based on a blockchain technology is recorded, and the agricultural product traceability insurance public service platform comprises a blockchain 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 data storage subsystem and a data storage subsystem, wherein the block chain data acquisition and storage subsystem collects credit data files and information related to bit coin block chains related to the credit data files, and the information is verified through each information node and then recorded into the block chain of the subsystem for storage; the insurance business transaction management subsystem is used for providing online transaction management service for insurance companies; the public service portal is used for providing insurance transaction results and inquiring transaction files on line. Although the technical scheme binds various production, operation and activity process data of agricultural enterprises with financial insurance business through a blockchain technology to reduce risks of the agricultural enterprises, the technical scheme cannot realize the effect of reducing workload of insurance and payment, and further reduces the operation cost of the agricultural insurance enterprises. There is a need for targeted improvement in agricultural insurance systems.
Disclosure of Invention
The invention aims to solve the technical problems that: the technical problems of low insurance and payment efficiency of the existing agricultural insurance. The agricultural insurance platform based on the blockchain is provided, the insurance and payment efficiency can be quickened, and the operating cost of an agricultural insurance enterprise is reduced.
In order to solve the technical problems, the invention adopts the following technical scheme: an agricultural insurance platform based on blockchain, comprising: the system comprises a plurality of data collectors, a plurality of planting areas, a plurality of data acquisition units, a plurality of control units and a plurality of control units, wherein the data collectors acquire environmental data and meteorological data of crop growth and store and fix the environmental data and the meteorological data of the planting areas through block chains; the insurance policy receiving module is connected with the data collectors, and after the agricultural insurance company and farmers sign an insurance policy, an insurance policy model is manufactured for each planting area and submitted to the insurance policy receiving module, wherein the insurance policy model records insurance policy claim settlement conditions and claim settlement amount, 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, the automatic claim settlement module opens a virtual account for each farmer and the agricultural insurance company in the blockchain, the agricultural insurance company stores a plurality of tokens 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, if the claim settlement condition of the insurance policy model is met, the automatic claim settlement module is informed, and the tokens corresponding to the claim settlement amount are transferred from the virtual account of the agricultural insurance company to the virtual account of the farmer.
Preferably, the data collector comprises a data receiving unit, a data storage unit and a policy execution unit, wherein a temperature and humidity sensor, a wind speed sensor, an illumination sensor and a soil pH sensor are distributed in a planting area, the temperature and humidity sensor, the wind speed sensor, the illumination sensor and the soil pH sensor are all connected with the data receiving unit, the data receiving unit periodically collects detection data of the temperature and humidity sensor, the wind speed sensor, the illumination sensor and the soil pH sensor and submits the detection data to the data storage unit for storage, the data storage unit periodically extracts hash values of incremental data of the data storage unit, the hash values are uploaded to a block chain for storage, corresponding block heights and block hash values are obtained and stored by the data storage unit, and the policy execution unit extracts data of the data storage unit and substitutes the data into a policy model.
Preferably, the data collector distributes identifiers for each temperature and humidity sensor, a wind speed sensor, an illumination sensor and a soil pH value sensor, the data storage unit establishes a plurality of storage rails, the storage rails adopt a sequential storage structure, an initial storage point is established at the initial end of the storage rails, random numbers are stored in the initial storage point and serve as initial associated hash values, the storage rails are associated with the identifiers one by one, the data storage unit stores detection data periodically collected by the data receiving unit into the storage rails corresponding to the identifiers, the data storage unit periodically establishes the storage rails with the storage points, the storage points occupy a storage space with preset length, the hash values of the detection data between the latest two storage points are extracted, the hash values stored in the storage points are extracted together with the associated hash values stored in the last storage point to serve as new associated hash values, the latest storage points are stored in the latest storage points, the data storage unit extracts the latest hash values together with the preset hash values as the associated hash values in the latest storage blocks, and the latest hash values are stored in the latest storage blocks.
Preferably, when the data storage verification unit generates a new associated hash value, the detection data between the latest two storage verification points are scattered 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 used as the characteristic hash value together, the hash value is extracted, the tail N bits of the characteristic hash value of each storage track are identical, if all the sub-data of a certain storage track cannot obtain the characteristic hash value meeting the requirement, the data storage verification unit further scatters the sub-data of all the storage tracks into smaller sub-data, 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 identical.
Preferably, the data storage verification unit sorts the storage tracks, builds the characteristic hash value of the first storage track, then builds the characteristic hash value of the subsequent storage track in sequence, so that the last bit of the built characteristic hash value is the same, when the time for building the characteristic hash value of all the storage tracks is lower than a preset threshold, the characteristic hash values of other storage tracks except the first storage track are tried to be rebuilt, so that the last two bits of the characteristic hash value are the same, and when the time for successfully building the characteristic hash value of all the storage tracks is lower than the preset threshold, the characteristic hash values of other storage tracks except the first storage track are tried to be rebuilt, so that the last three bits of the characteristic hash value are the same, and the value of N is continuously increased until the time for building the characteristic hash value exceeds the preset threshold.
Preferably, the policy execution unit associates a temperature and humidity sensor, an air speed sensor, an illumination sensor and a soil pH value sensor for each planting area, and invokes temperature and humidity data, air speed data, illumination data and soil pH value data of the planting area according to the planting area corresponding to the policy model, and if the number of records exceeding a preset threshold value in the temperature and humidity data, the air speed data, the illumination data or the soil pH value data exceeds the threshold value, the crop in the planting area is judged to suffer from disasters, and an automatic claim settlement module is notified to settle claims.
Preferably, when the policy execution unit obtains that a certain planting area needs to be subjected to claim settlement, searching the planting areas of the same crops in the area nearby the planting area, if the planting areas are found, executing a policy model of the corresponding planting area, if the ratio of the planting areas meeting the claim settlement conditions in the nearby area exceeds a set percentage, notifying an automatic claim settlement module, and if the ratio of the planting areas not meeting the claim settlement conditions in the nearby area exceeds the set percentage, sending out a data abnormity alarm.
Preferably, the data collector further comprises a greenhouse data synchronization unit, the greenhouse data synchronization unit is connected with a greenhouse identification controller to obtain greenhouse environment data and greenhouse control data of the greenhouse, the greenhouse environment data comprises greenhouse air temperature and humidity, greenhouse soil pH value, greenhouse CO2 concentration, greenhouse illumination intensity and greenhouse image, the greenhouse control data comprises a control instruction sent by the greenhouse controller, the data collector distributes greenhouse identification for the greenhouse, the data storage unit stores the greenhouse environment data in association with the greenhouse identification, the data storage unit stores the greenhouse environment data through a block chain, the greenhouse environment data receiving module stores a greenhouse environment protection list model aiming at the greenhouse, the environment protection list model comprises environment data claim conditions and control data claim conditions, the environment data claim conditions record the allowable range of the greenhouse environment data, if the allowable range is exceeded, the greenhouse environment data claim conditions are met, the control data claim conditions and the greenhouse environment control data claim conditions are not matched with the preset environment data, and if the environment data claim conditions and the control data claim conditions are not matched with the preset environment data claim conditions, and if the environment data claim conditions and the environment data claim conditions are not matched with the preset.
The invention has the following substantial effects: 1) The crop growth environment data is collected through the data collector, and the insurance policy and the claim settlement are input into the electronic system, so that the claim settlement can be automatically judged and carried out at the first time through the electronic system when the crop growth environment suffers from disasters, and the efficiency of the insurance and the claim settlement is improved; 2) By utilizing the characteristic that the block chain distributed account book cannot be modified, virtual accounts are opened on the block chain for agricultural insurance enterprises and participating farmers, and a traditional claim payment mode is replaced by using token transaction, the token can be exchanged into cash through a bank according to a preset exchange rate, and the bank can settle accounts with insurance companies uniformly, so that the efficiency of claim payment is effectively improved; 3) The crop growth environment data is stored by virtue of the blockchain, so that the reality and the credibility of the crop growth environment data are ensured, the malicious cheating protection is avoided, and the benefits of agricultural insurance enterprises are ensured.
Drawings
FIG. 1 is a schematic view of an agricultural insurance platform according to an embodiment.
Fig. 2 is a schematic diagram of a data collector according to an embodiment.
FIG. 3 is a schematic diagram of a memory track according to an embodiment.
FIG. 4 is a schematic diagram of an embodiment of a claim determination.
FIG. 5 is a schematic diagram of a two-shed claim settlement.
Wherein: 10. the system comprises a policy receiving module, 11, a policy model, 20, an automatic claim settling module, 30, a data collector, 31, a data receiving unit, 32, a data storage unit, 33, a data storage unit, 34, a policy executing unit, 320, a storage rail, 321, a storage point, 40, a planting area, 41, a temperature and humidity sensor, 42, a wind speed sensor, 43, an illumination sensor, 44 and a soil pH value sensor.
Detailed Description
The following description of the embodiments of the present invention will be made with reference to the accompanying drawings.
Embodiment one:
Referring to fig. 1, referring to an agricultural insurance platform based on blockchain, this embodiment includes: the plurality of data collectors 30 and the plurality of planting areas 40 are connected with one data collector 30, the data collectors 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 blockchain; the policy receiving module 10 is connected with the plurality of data collectors 30, after the agricultural insurance company and farmers sign a policy, a policy model 11 is manufactured for each planting area 40 and submitted to the policy receiving module 10, the policy model 11 records policy claim settlement conditions and claim settlement amount, and the claim settlement conditions comprise environmental data conditions and meteorological data conditions; the automatic claim settlement module 20 is connected with the plurality of data collectors 30 and the insurance policy receiving module 10, the automatic claim settlement module 20 opens a virtual account for each farmer and the agricultural insurance company in the blockchain, the agricultural insurance company stores a plurality of tokens on the virtual account, the automatic claim settlement module 20 issues the insurance policy model 11 to the data collectors 30 accessed by the planting areas 40, the data collectors 30 periodically execute the insurance policy model 11, and if the claim settlement condition of the insurance policy model 11 is met, the automatic claim settlement module 20 is notified, and the tokens corresponding to the claim settlement amount are transferred from the virtual account of the agricultural insurance company to the virtual account of the farmer.
Referring to fig. 2, the data collector 30 includes a data receiving unit 31, a data storage unit 32, a data storage unit 33 and a policy execution unit 34, the planting area 40 is distributed with a temperature and humidity sensor 41, a wind speed sensor 42, an illumination sensor 43 and a soil ph sensor 44, the temperature and humidity sensor 41, the wind speed sensor 42, the illumination sensor 43 and the soil ph sensor 44 are all connected with the data receiving unit 31, the data receiving unit 31 periodically collects detection data of the temperature and humidity sensor 41, the wind speed 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 storage unit 33 periodically extracts hash values of incremental data of the data storage unit 32, the hash values are uploaded to a block chain for storage, the obtained corresponding block heights and block hash values are stored by the data storage unit 32, and the policy execution unit 34 extracts data of the data storage unit 32 and substitutes the data into the policy model 11. If the corns are planted and bud, the corns in the bud stage are most forbidden to drought, the roots of the corns are still undeveloped, and the corns need to be irrigated manually in time. In the middle of corn growth, which usually belongs to summer, the corn plants can resist a certain degree of drought at this time, as long as the soil humidity is within a threshold range. However, there is thunderstorm weather in summer, and strong wind occurs along with the thunderstorm weather. The strong wind can cause lodging and even breakage of corn plants. Thus, a severe wind disaster needs to be emphasized in the middle stage. In the grouting period, the problems of insufficient grouting and rare particles can be caused by continuous cloudy weather. Resulting in a yield of corn of too poor quality to be successfully sold. For the problem of insufficient pollination caused by weather reasons, the pollination can be usually solved by manual pollination, so that the problem of obvious yield reduction is basically not brought to the current pollination problem. Through temperature and humidity sensor 41, wind speed sensor 42, illumination sensor 43 and soil pH value sensor 44, can obtain the growth environmental problem that faces in the maize growth process, can judge whether corresponding agricultural disaster takes place through carrying out policy model 11, and then carry out the danger.
The data collector 30 distributes the identification for each temperature and humidity sensor 41, wind speed sensor 42, illumination sensor 43 and soil pH sensor 44, and the data storage unit 32 establishes a plurality of storage rails 320. Referring to fig. 3, the storage track 320 adopts a sequential storage structure, an initial storage point 321 is established at the start end of the storage track 320, a random number is stored in the initial storage point 321, the random number is used as an initial associated hash value, the storage track 320 is associated with the identifier one by one, the data storage unit 32 stores the detection data periodically collected by the data receiving unit 31 into the storage track 320 corresponding to the identifier, the data storage unit 33 periodically establishes the storage point 321 in the storage track 320, the storage point 321 occupies a storage space with a preset length, the hash value of the detection data between the latest two storage points 321 is extracted, the hash value is stored in the storage point 321, the hash value stored in the storage point 321 is extracted together with the associated hash value stored in the last storage point 321 as a new associated hash value, the latest associated hash value is stored in the latest storage point 321, the latest associated hash value is extracted together as a hash value in a preset period, the data storage unit 33 uploads the hash value to the block chain to be stored, and the corresponding block height and the block hash value are obtained, and the hash value is stored in the latest storage point 321.
When the data storage unit 33 generates a new associated hash value, the detection data between the latest two storage points 321 is broken 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 together extracted to obtain a hash value as a characteristic hash value, so that the tail N bits of the characteristic hash value of each storage track 320 are identical, if all the sub-data of a certain storage track 320 cannot obtain the characteristic hash value meeting the requirement, the data storage unit 33 further breaks up the sub-data of all the storage tracks 320 into smaller sub-data, and the characteristic hash value of each storage track 320 is built again, so that the tail N bits of the characteristic hash value of all the storage tracks 320 are identical. If a certain characteristic hash value is: if CF17E96DD64DF6F185C4563F5D27755ED4DCC0E322a40DD9A6BA76770EAC74B9, the last three digits of the remaining feature hash value must also be 4B9, and the probability that the last 3 digits are the same is one-third of 16, and the probability is moderate. However, the limited combination sub data leads to a certain limitation on the value of the characteristic hash value, thus increasing the difficulty of workload demonstration, delaying the time of trowelling the trace after tampering the data, and improving the difficulty of tampering the data.
The data storage unit 33 sorts the storage tracks 320 to construct the characteristic hash value of the first storage track 320, then sequentially constructs the characteristic hash values of the subsequent storage tracks 320, so that the last bit of the constructed characteristic hash value is the same, when the time for constructing the characteristic hash values of all the storage tracks 320 is lower than a preset threshold, attempts to reconstruct the characteristic hash values of the other storage tracks 320 except the first storage track 320, so that the last two bits of the characteristic hash value 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, attempts to reconstruct the characteristic hash values of the other storage tracks 320 except the first storage track 320, so that the last three bits of the characteristic hash value are the same, and continuously increases the value of N until the time for constructing the characteristic hash value exceeds the preset threshold.
The policy 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 for each planting area 40, and 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 model 11, and 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 data exceeds the threshold value, it is determined that crops in the planting area 40 are suffered from disasters, and the automatic claim settlement module 20 is notified to settle claims.
Referring to fig. 4, when the policy execution unit 34 obtains that a certain planting area 40 needs to be subjected to claim settlement, searching the planting areas 40 of the same crops in the area near the planting area 40, if so, executing the policy model 11 corresponding to the planting area 40, if the ratio of the planting areas 40 meeting the claim settlement condition in the area near the planting area exceeds a set percentage, notifying the automatic claim settlement module 20, and if the ratio of the planting areas 40 not meeting the claim settlement condition in the area near the planting area exceeds the set percentage, sending out a data anomaly alarm.
The beneficial technical effects of this embodiment are: the data acquisition device 30 is used for collecting crop growth environment data, and a policy and a claim are input into the electronic system, so that when the crop growth environment suffers from disasters, the claim can be automatically judged and cleared at the first time through the electronic system, and the efficiency of the insurance and the claim clearing is improved; by utilizing the characteristic that the block chain distributed account book cannot be modified, virtual accounts are opened on the block chain for agricultural insurance enterprises and participating farmers, and a traditional claim payment mode is replaced by using token transaction, the token can be exchanged into cash through a bank according to a preset exchange rate, and the bank can settle accounts with insurance companies uniformly, so that the efficiency of claim payment is effectively improved; the crop growth environment data is stored by virtue of the blockchain, so that the reality and the credibility of the crop growth environment data are ensured, the malicious cheating protection is avoided, and the benefits of agricultural insurance enterprises are ensured.
Embodiment two:
The utility model provides an agricultural insurance platform based on blockchain, this embodiment can independently adjust crops growing environment to planting big-arch shelter on the basis of embodiment one to and planting big-arch shelter itself has the characteristics of damaging the risk, has carried out the improvement of pertinence to insurance platform, in order to make agricultural insurance can cover planting big-arch shelter. In this embodiment, the data collector 30 further includes a greenhouse data synchronization unit, referring to fig. 5, where the greenhouse data synchronization unit is connected to a controller of the planting greenhouse to obtain greenhouse environment data and greenhouse control data of the planting greenhouse; the greenhouse control data comprise control instructions sent by a greenhouse controller, a greenhouse identifier is allocated to the planting greenhouse by the data collector 30, and the data storage unit 32 stores the greenhouse environment data and the greenhouse identifier in a correlated manner; the data storage and certification unit 33 stores and certifies the environmental data in the greenhouse through a blockchain; the policy receiving module 10 stores a greenhouse policy model 11 for planting a greenhouse, wherein the policy claim conditions of the greenhouse policy model 11 comprise environmental data claim conditions and control data claim conditions, the environmental data claim conditions record the allowable range of environmental data in the greenhouse, and if the allowable range is exceeded, the claim conditions are satisfied; and regulating greenhouse control data and greenhouse environment data by the control data claim condition, judging whether the control instruction is matched with the greenhouse environment data change, and if the control instruction which is not matched with the greenhouse environment data change exceeds a preset threshold value, meeting the claim condition.
If the control instruction is not matched with the change of the environmental data in the greenhouse, the environment regulation and control capability of the planting greenhouse is damaged. If the control command is to increase the rotation speed of the ventilation fan to reduce the temperature in the greenhouse, the temperature in the greenhouse does not drop or the drop width is smaller after the command is issued. It indicates that the ventilating fan is damaged. And the rotating speed of the ventilation fan still needs to be increased, which means that the temperature in the shed is too high to be suitable for the growth of crops. If the temperature exceeds the threshold value at this time, the crop yield is seriously reduced, and environmental data claim settlement conditions are triggered, so that the policy is in danger. Or the greenhouse is improperly operated, the heat is preserved in a closed mode at night, and the window is not opened in time in the daytime for ventilation and cooling, so that the temperature exceeds a threshold value, and serious yield reduction is caused. Environmental data claims conditions are also triggered to partially compensate for the economic loss due to erroneous operation. If the temperature does not reach the degree of seriously reducing the yield of crops at the moment, but the environment in the greenhouse cannot be effectively controlled, the condition that the greenhouse equipment is damaged is indicated, and the condition of controlling data claim settlement is met, so that a policy is in danger, and the policy is used for compensating the economic loss caused by equipment damage. The environmental data claims conditions and the claims amount corresponding to the control data claims conditions may be different. The present embodiment improves the type of payment and coverage of agricultural insurance over the first embodiment.
The above-described embodiment is only a preferred embodiment of the present invention, and is not limited in any way, and other variations and modifications may be made without departing from the technical aspects set forth in the claims.
Claims (5)
1. An agricultural insurance platform based on block chain, which is characterized in that,
Comprising the following steps:
The system comprises a plurality of data collectors, a plurality of planting areas, a plurality of data acquisition units, a plurality of control units and a plurality of control units, wherein the data collectors acquire environmental data and meteorological data of crop growth and store and fix the environmental data and the meteorological data of the planting areas through block chains;
the insurance policy receiving module is connected with the data collectors, and after the agricultural insurance company and farmers sign an insurance policy, an insurance policy model is manufactured for each planting area and submitted to the insurance policy receiving module, wherein the insurance policy model records insurance policy claim settlement conditions and claim settlement amount, 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, the automatic claim settlement module opens a virtual account for each farmer and the agricultural insurance company in the blockchain, the agricultural insurance company stores a plurality of tokens 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, if the claim settlement condition of the insurance policy model is met, the automatic claim settlement module is informed, and the tokens corresponding to the claim settlement amount are transferred from the virtual account of the agricultural insurance company to the virtual account of the farmer;
The data acquisition device comprises a data receiving unit, a data storage evidence unit and a policy execution unit, wherein a temperature and humidity sensor, a wind speed sensor, an illumination sensor and a soil pH value sensor are distributed in a 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 detection data of the temperature and humidity sensor, the wind speed sensor, the illumination sensor and the soil pH value sensor and submits the detection data to the data storage unit for storage, the data storage evidence unit periodically extracts hash values of incremental data of the data storage unit, the hash values are uploaded to a block chain for storage, corresponding block heights and block hash values are obtained and stored by the data storage unit, and the policy execution unit extracts data of the data storage unit and substitutes the data into a policy model;
The data acquisition unit distributes identifiers for each temperature and humidity sensor, a wind speed sensor, an illumination sensor and a soil pH value sensor, the data storage unit establishes a plurality of storage rails, the storage rails adopt a sequential storage structure, an initial storage point is established at the initial end of the storage rails, random numbers are stored in the initial storage point and serve as initial associated hash values, the storage rails are associated with the identifiers one by one, the data storage unit stores detection data periodically collected by the data receiving unit into the storage rails corresponding to the identifiers, the data storage unit periodically establishes the storage points on the storage rails, the storage points occupy a storage space with preset length, the hash values of the detection data between the latest two storage points are extracted and stored into the storage points, the hash values stored in the storage points are extracted together with the associated hash values stored in the last storage point and serve as new associated hash values, the data storage units store the latest associated hash values into the latest storage points, the data storage points take the latest hash values together with preset periods and the hash values into the corresponding storage blocks, and the hash values are stored in the latest storage blocks;
When the data storage unit generates a new associated hash value, the detection data between the latest two storage points are scattered 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 used as characteristic hash values, the hash values are extracted together, the tail N bits of the characteristic hash values of each storage track are identical, if all the sub-data of a certain storage track cannot obtain the characteristic hash values meeting the requirements, the data storage unit further scatters the sub-data of all the storage tracks into smaller sub-data, the characteristic hash values of each storage track are built again, and the tail N bits of the characteristic hash values of all the storage tracks are identical.
2. The agricultural insurance platform according to claim 1, characterized in that,
The data storage verification unit sorts the storage tracks, builds the characteristic hash value of the first storage track, then builds the characteristic hash value of the subsequent storage tracks in sequence, enables the last bit of the built characteristic hash value to be the same, tries to reconstruct the characteristic hash values of other storage tracks except the first storage track when the time for building the characteristic hash value of all the storage tracks is lower than a preset threshold value, enables the last two bits of the characteristic hash value to be the same, tries to reconstruct the characteristic hash values of other storage tracks except the first storage track when the time for successfully building the characteristic hash value of all the storage tracks is lower than the preset threshold value, enables the last three bits of the characteristic hash value to be the same, and continuously improves the value of N until the time for building the characteristic hash value exceeds the preset threshold value.
3. The agricultural insurance platform according to claim 1, characterized in that,
And the policy execution unit associates a temperature and humidity sensor, an air speed sensor, an illumination sensor and a soil pH value sensor for each planting area, and calls temperature and humidity data, air speed data, illumination data and soil pH value data of the planting area according to the planting area corresponding to the policy model, if the number of records exceeding a preset threshold value in the temperature and humidity data, the air speed data, the illumination data or the soil pH value data exceeds the threshold value, the crop in the planting area is judged to suffer disasters, and an automatic claim settlement module is informed to settle the claims.
4. The agricultural insurance platform according to claim 3, characterized in that,
And when the policy execution unit obtains that a certain planting area needs to be subjected to claim settlement, searching the planting areas of the same crops in the areas nearby the planting area, executing a policy model of the corresponding planting area if the planting areas are found, informing an automatic claim settlement module if the proportion of the planting areas meeting the claim settlement conditions in the nearby area exceeds a set percentage, and sending out data abnormality warning if the proportion of the planting areas not meeting the claim settlement conditions in the nearby area exceeds the set percentage.
5. The agricultural insurance platform according to claim 1, characterized in that,
The data acquisition device also comprises a greenhouse data synchronization unit which is connected with a controller of the planting greenhouse to obtain greenhouse internal environment data and greenhouse control data of the planting greenhouse, wherein the greenhouse internal environment data comprises greenhouse internal air temperature and humidity, greenhouse internal soil pH value, greenhouse internal carbon dioxide concentration, greenhouse internal illumination intensity and greenhouse internal image, the greenhouse control data comprises control instructions sent by the greenhouse controller,
The data collector distributes greenhouse identification for the planting greenhouse, the data storage unit stores the environmental data in the greenhouse in association with the greenhouse identification, the data storage unit stores the environmental data in the greenhouse through a blockchain,
The policy receiving module stores a greenhouse policy model for the planting greenhouse, the policy claims of the greenhouse policy model comprise environmental data claims and control data claims,
The environmental data claim condition records the allowable range of the environmental data in the shed, if the allowable range is exceeded, the claim condition is satisfied,
And regulating greenhouse control data and greenhouse environment data according to the control data claim settlement conditions, judging whether the control instruction is matched with the greenhouse environment data change, and if the control instruction which is not matched with the greenhouse environment data change exceeds a preset threshold, meeting the claim settlement conditions.
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