CN113469824A - Agricultural insurance claim settlement judgment system based on block chain - Google Patents
Agricultural insurance claim settlement judgment system based on block chain Download PDFInfo
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Abstract
The invention relates to the technical field of block chains, in particular to an agricultural insurance claim settlement judging system based on a block chain, which comprises a plurality of data collectors and a claim settlement server, wherein each data collector comprises a plurality of environment monitoring modules, a plurality of data synchronization modules, a data storage module and a data evidence storage module, the data storage module stores environment data and meteorological data corresponding to a planting area, the data evidence storage module stores the data of the data storage module through the block chain, the claim settlement server issues a growth model of crops corresponding to the planting area to the data collectors, the growth model calls the environment data and the meteorological data corresponding to the planting area to obtain the yield of the model, and if the yield is lower than a preset threshold value, a claim settlement program is started. The substantial effects of the invention are as follows: the growth data of crops are collected through the data collector, so that the claim settlement can be electronically carried out, the efficiency of claim settlement judgment is greatly accelerated, and the insurance operation cost is reduced.
Description
Technical Field
The invention relates to the technical field of block chains, in particular to an agricultural insurance claim settlement judging system 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. Agricultural insurance is a current practice for supporting agricultural development in market economy and countries. Through policy agricultural insurance, can replace direct subsidy to implement reasonable effectual protection to our country's agriculture in the scope that the world trade organization rule allows, alleviate the impact of joining the world trade organization and bringing, reduce the influence of natural disasters to agricultural production, stabilize peasant income, promote the development of agriculture and rural economy. In China, agricultural insurance is an important component for solving the problem of agriculture, agriculture and forestry.
Agricultural insurance is classified into planting insurance and breeding insurance according to different agricultural types; according to dangerous properties, the method is divided into natural disaster loss insurance, pest and disease damage insurance, disease death insurance and accident loss insurance; according to different insurance responsibility ranges, the insurance responsibility method can be divided into basic responsibility insurance, comprehensive responsibility insurance and everything insurance; the method can be divided into planting industry loss risk and harvest risk according to the claim method. The basic operation mode adopted by I at present is to entrust the business insurance company with business, and the government gives certain subsidies. This mode of operation is still in the pilot stage and is relatively extensive. In addition, the vast rural areas in China have wide breadth and great difference in agricultural production conditions, so that the operating and claim settlement judgment cost of agricultural insurance is high, the reduction of premium is limited, and the agricultural insurance is not beneficial to the expansion of the coverage.
Through retrieval, the Chinese patent CN109410076A is the closest prior art to the application, the publication date of the Chinese patent CN109410076A is 3/1/2019, 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 purpose of reducing the work load of claim payment and further reducing the operation cost of the agricultural insurance enterprises.
Disclosure of Invention
The technical problem to be solved by the invention is as follows: at present, the agricultural insurance claim settlement judgment cost is high and the efficiency is low. Provides an agricultural insurance claim settlement judging system based on a block chain,
in order to solve the technical problems, the technical scheme adopted by the invention is as follows: a block chain-based agricultural insurance claim settlement judging system comprises a plurality of data collectors and a claim settlement server, wherein a plurality of protected planting areas are connected with one data collector, the data collector comprises a plurality of environment monitoring modules, a plurality of data synchronization modules, a data storage module and a data evidence storage module, the environment monitoring modules comprise a plurality of environment data monitoring sensors arranged near farmer planting areas, the data synchronization modules synchronize data with a meteorological department to acquire meteorological data, the data storage module establishes identifications for the connected farmer planting areas and stores the environment data corresponding to the planting areas and the meteorological data association identifications, the data evidence storage module periodically extracts hash values from the data of the data storage module, uploads the hash values to a block chain for storage, when the claim settlement server receives a claim settlement request of a farmer, the method comprises the steps that a claim settlement server issues a growth model of crops corresponding to a planting area to a data collector, the growth model calls environment data and meteorological data corresponding to the planting area to obtain model yield, if the model yield is lower than a preset threshold value, the claim settlement server is informed to enter a claim settlement program, and if not, the claim settlement server is informed not to take a risk.
Preferably, the data storage module sets a linear storage space for each planting area, stores the environmental data and the meteorological data corresponding to the planting area into the linear storage space closely, establishes evidence points in the linear storage space in a first period, extracts a hash value of data between the two evidence points, stores the hash value into the evidence points and submits the hash value to the data evidence storage module, the data storage module packs the latest data between the two evidence points into a data packet in a second period, submits the data packet to a claims management server for storage after associating identification and a time stamp of the planting area with the data packet, establishes a hash value table and an initial associated hash value for each planting area identification, stores the hash value submitted by the data storage module into the hash value table, and extracts the hash value together with the latest hash value and the associated hash value in the hash value table, and the data evidence storing module is used for associating the latest associated hash value with the planting area identification and the time stamp and uploading the latest associated hash value to a block chain for storage.
Preferably, the data certification module takes out the assigned bits of the associated hash value corresponding to each accessed planting area at the end of the first period to obtain a plurality of N-bit numbers, and adjusts the sequence of the N-bit numbers to obtain an arrangement sequence which minimizes the hash value extracted by the N-bit numbers together.
Preferably, communication connection is established among a plurality of data collectors, when a first period is finished, a data evidence storage module of the data collectors extracts a hash value from the associated hash value corresponding to each planting area accessed by the data evidence storage module, the hash value is used as a periodic hash value, designated M bits of the periodic hash value are taken, M bits taken out by the data collectors are randomly sequenced, and the value of the hash value extracted by the sequenced M-bit books is minimized.
Preferably, the data storage module is provided with a backup storage area, the backup storage area comprises a plurality of linear backup areas, the linear backup areas correspond to the linear storage spaces one by one, the linear backup areas are provided with numbers, when a new certificate storage point is generated in the linear storage space, the linear backup areas synchronously generate identification points, data between the two latest certificate storage points are backed up between the two latest identification points of the corresponding linear backup areas, the data between the two latest identification points are scattered into subdata according to a preset size, the subdata is exchanged among the linear backup areas, hash values extracted by the data between the two latest identification points of the linear backup areas and the serial numbers of the linear backup areas are used as identification hash values, and the size sequence of the identification hash values is matched with the serial number sequence of the linear backup areas after the subdata exchange.
Preferably, a plurality of last bits of the latest tag hash value in the linear backup area have the same value, and if a sub-data exchange scheme that the plurality of last bits of the tag hash value have the same value is not found within a preset time, the sub-data is further broken into smaller sub-data, and the exchange is attempted again until the plurality of last bits of the tag hash value in the linear backup area have the same value.
Preferably, the environmental data monitoring sensor comprises an air temperature and humidity sensor, a soil pH value sensor, a wind speed sensor and an illumination sensor, the air temperature and humidity sensor is arranged near the planting area to monitor the air temperature and humidity near the planting area, the soil temperature and humidity sensor and the soil pH value sensor are both arranged in a typical tube culture soil area of the planting area to monitor the temperature and humidity and the pH value of soil respectively, the wind speed sensor monitors the wind speed of the planting area, and the illumination sensor monitors the illumination intensity of the planting area.
Preferably, the claim settlement server stores an insurance policy, the insurance policy records the identification of the planting area, the type of the crops, claim settlement conditions and claim settlement limit, the insurance policy is signed and issued by the farmer and the agricultural insurance company, the claim settlement conditions are yield reduction ratio threshold values, and the claim settlement limit is the product of fixed unit area limit and the area of the planting area.
Preferably, the environment monitoring module further comprises a greenhouse data synchronization module, the greenhouse data synchronization module 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 control instructions sent by the greenhouse controller, the data storage module is used for allocating greenhouse identifications to the planting greenhouse, the data storage module is used for storing the greenhouse internal environment data in association with the greenhouse identifications, the data storage module is used for storing the greenhouse internal environment data through a block chain, the claim settlement server is used for storing insurance policies for the planting greenhouse, when a householder of the planting greenhouse requests claim settlement from the claim settlement server, the claim settlement server issues a crop growth model and a greenhouse management and control model data collector, the crop growth model collects environmental data in the shed to obtain crop model yield, if the crop model yield is lower than a preset threshold value, a claim settlement program is entered, otherwise, a shed control model is executed, the shed control model collects shed control data and shed internal environmental data, whether a control instruction is matched with the change of the shed internal environmental data or not is judged, if the control instruction which is not matched with the change of the shed internal environmental data exceeds the preset threshold value, the claim settlement program is entered, and otherwise, the claim settlement server is notified that no risk is given.
Preferably, the environmental data in the greenhouse comprises image data, when the greenhouse management and control model obtains a control instruction which is not matched with the change of the environmental data in the greenhouse, corresponding image data fragments before and after the time of the control instruction are intercepted, and the control instruction and the image data fragments are packaged and sent to the claim settlement server for future reference.
The substantial effects of the invention are as follows: 1) the data collector is used for collecting the growth data of the crops, and when the crops have agricultural disasters, the data collector can be used for obtaining the growth environment data of the related crops, so that the claim settlement can be electronically carried out, and the efficiency of the claim settlement is greatly improved; 2) by establishing the storage certificate of the environmental data and the meteorological data, the environmental data and the meteorological data are prevented from being tampered, and the reliability of the claim settlement judgment result is ensured; 3) when the environmental data and the meteorological data are damaged and lost, the data backup area can be restored, the difficulty of data tampering is further improved, and the authenticity of the data is improved; 4) by accessing the greenhouse data, insurance service is provided for greenhouse planting, the coverage range of agricultural insurance is expanded, and guarantee is provided for guaranteeing the safety of agricultural production of farmers.
Drawings
Fig. 1 is a schematic structural diagram of an agricultural insurance claim settlement system according to an embodiment.
FIG. 2 is a schematic diagram of a data storage module according to an embodiment.
FIG. 3 is a diagram illustrating data backup according to an embodiment.
Fig. 4 is a schematic structural diagram of an environmental data monitoring sensor according to an embodiment.
Fig. 5 is a schematic view of a claim settlement judgment process of the second planting greenhouse in the embodiment.
Wherein: 10. the system comprises a claims settlement server, 20, a data acquisition device, 30, a planting area, 40, a meteorological department, 50, a block chain, 21, a data evidence storage module, 22, a data storage module, 23, an environment monitoring module, 24, a data synchronization module, 61, a hash value table, 62, a sequential storage space, 63, an evidence storage point, 64, a data packet, 65, an identification point, 230, an environment data monitoring sensor, 231, an air temperature and humidity sensor, 232, a soil temperature and humidity sensor, 233, a soil pH value sensor, 234, a wind speed sensor, 235 and a light 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 claim settlement judging system based on a block chain 50, please refer to fig. 1, which comprises a plurality of data collectors 20 and a claim settlement server 10, wherein a plurality of protected planting areas 30 are connected to one data collector 20, the data collector 20 comprises a plurality of environment monitoring modules 23, a plurality of data synchronization modules 24, a data storage module 22 and a data evidence storage module 21, the environment monitoring modules 23 comprise a plurality of environment data monitoring sensors 230 arranged near the farmer planting areas 30, the data synchronization modules 24 synchronize data with a meteorological department 40 to acquire meteorological data, the data storage module 22 establishes marks for the connected farmer planting areas 30 and stores the environmental data and the meteorological data corresponding to the planting areas 30 in association with each other, the data evidence storage module 21 periodically extracts a hash value from the data of the data storage module 22 and uploads the hash value to the block chain 50 for storage, when the claim settlement server 10 receives a claim settlement request of a farmer, the claim settlement server 10 issues a growth model of crops corresponding to the planting area 30 to the data collector 20, the growth model retrieves environmental data and meteorological data corresponding to the planting area 30 to obtain a model yield, if the model yield is lower than a preset threshold value, the claim settlement server 10 is notified to enter a claim settlement program, otherwise, the claim settlement server 10 is notified not to take a risk.
The data storage module 22 provides a linear storage space for each planting area 30, and stores the environmental data and the meteorological data corresponding to the planting area 30 into the linear storage space tightly. Referring to fig. 2, the data storage module 22 establishes evidence storage points 63 in a linear storage space in a first cycle, extracts hash values of data between the two evidence storage points 63, stores the hash values in the evidence storage points 63 and submits the hash values to the data evidence storage module 21, and the data storage module 22 packages the latest data between the two evidence storage points 63 into data packets 64 in a second cycle, and submits the data packets 64 to the claims settlement server 10 for storage in association with the identification and the timestamp of the planting area 30. The claim settlement server 10 stores a plurality of data packets 64, which can verify whether the data stored in the data storage module 22 has been altered, improve the difficulty of data tampering, and ensure the authenticity of environmental data and weather data.
The data evidence storing module 21 establishes a hash value table 61 and an initial associated hash value for each planting area 30 identifier, stores the hash value submitted by the data storing module 22 in the hash value table 61, extracts the hash value from the hash value table 61 together with the latest hash value and the associated hash value, stores the hash value as a new associated hash value in the hash value table 61, associates the associated hash value with the planting area 30 identifier and the time stamp by the data evidence storing module 21, and sends the associated hash value to the claim settlement server 10 for storage, please refer to fig. 2 again, and the data evidence storing module 21 associates the latest associated hash value with the planting area 30 identifier and the time stamp by a third period and uploads the associated hash value to the block chain 50 for storage.
The data certification module 21 takes out the assigned bits of the associated hash value corresponding to each of the accessed planting areas 30 at the end of the first period to obtain a plurality of N-bit numbers, and adjusts the sequence of the N-bit numbers to obtain an arrangement sequence that minimizes the hash value extracted by the N-bit numbers.
TABLE 1 associated Hash values after the end of a certain period
| Source | Associative hash values | 4 bits at the beginning, 4 bits in the middle and 4 bits at the end |
| Planting area 301 | f5a82…bb48d415d4183989c52ef | f5a8、bb48、52ef |
| Planting area 302 | b2a9e…bdc6cb4bba579c4718663 | b2a9、bdc6、8663 |
| Planting area 303 | 916ec…43220a7bd1fc2fa9c7794 | 916e、4322、7794 |
| Planting area 304 | 3b475…c455cdfe2afd9204dfc3a | 3b47、c455、fc3a |
The total of 12 4-bit numbers are taken out from the associated hash values of the sequential storage space 62 corresponding to all the planting areas 30, and the number of 12 4-bit numbers is about 4.8 hundred million, so that a certain time is consumed for obtaining the minimum arrangement sequence of the hash values extracted by the N-bit numbers, and as long as the time is close to the first period, the data in the data storage module 22 can be prevented from being tampered. Because once the data is tampered, the arrangement order which minimizes the hash value extracted by the N-bit number needs to be searched again. The effort consumed may result in the data credentialing module 21 being overwhelmed with other transactions, resulting in data credentialing being unable to be self-consistent. And taking 12 bits out of each associated hash value, wherein after data modification, the probability that the value of the specified 12 bits in the newly extracted associated hash value is unchanged is one of 12 times of 16, and is a minimum probability.
Further, communication connection is established among the plurality of data collectors 20, when the first period is finished, the data certification module 21 of the data collector 20 extracts the hash values together from the associated hash values corresponding to each planting area 30 to which the data certification module is connected, the hash values are used as period hash values, designated M bits of the period hash values are taken, M bits taken out by the plurality of data collectors 20 are randomly ordered, and the hash value extracted together from the ordered M-bit books is the minimum. In this scenario, it would be relatively fast for the computing power of multiple data collectors 20 to complete 4.8 hundred million computations together. So that each participating data collector 20 still has sufficient time to process other transactions. However, if one of the data collectors 20 tampered with data, it would need to perform 4.8 hundred million calculations independently, which would result in insufficient calculation power and difficulty in performing other data verification tasks, so that any data tampering would leave traces.
Referring to fig. 3, the data storage module 22 is provided with a backup storage area, the backup storage area includes a plurality of linear backup areas, the linear backup areas correspond to the linear storage spaces one by one, the linear backup areas have numbers, when a new certificate storing point 63 is generated in the linear storage space, the linear backup areas synchronously generate identification points 65, data between the two latest certificate storing points 63 are backed up between the two latest identification points 65 of the corresponding linear backup areas, the data between the two latest identification points 65 are scattered into subdata according to a preset size, the subdata is exchanged among a plurality of linear backup areas, hash values extracted by the data between the two latest identification points 65 of the linear backup areas and the serial numbers of the linear backup areas are used as identification hash values, and the size sequence of the identification hash values after the subdata exchange is matched with the serial number sequence of the linear backup areas. That is, if the identifier hash value of the linear backup area with the number 01 is 647116067009a04F7B52F3C49BF29348A1DB0E09040E215F1F61DC830583D712, the identifier hash value of the linear backup area with the number 02 must be larger than the identifier hash value, and if the number of linear backup areas is large, the difficulty in generating the identifier hash value increases as the number of the linear backup areas increases. When the number of the linear backup areas is enough, workload proof with enough difficulty is provided, and the difficulty of data tampering is improved.
As an alternative workload proving scheme, it is also possible to employ: and if the subdata exchange scheme which enables the tail bits of the identification hash value to have the same value is not found within the preset time, further scattering the subdata into smaller subdata, and exchanging from a new attempt until the tail bits of the identification hash value of the linear backup area have the same value. In this embodiment, the last 2 bits are taken to be the same. 1/256, which is the probability of the last two bits being the same, is easier to satisfy. If the sub data is sufficient, it may be further required that the last bits are more identical. The identification hash value of the linear backup area as number 01 is 647116067009A04F7B52F3C49BF29348A1DB0E09040E215F1F61DC830583D712If the last two bits of the identification hash value of the linear backup area with the serial number of 02 also need to take the value of 12, if the identification hash value with the last two bits of 12 cannot be obtained, the subdata is scattered into smaller subdata, and a new attempt is made.
The environmental data monitoring sensor 230 includes an air temperature and humidity sensor 231, a soil temperature and humidity sensor 232, a soil ph sensor 233, a wind speed sensor 234 and an illumination sensor 235, please refer to fig. 4, the air temperature and humidity sensor 231 is arranged near the planting area 30 to monitor the air temperature and humidity near the planting area 30, the soil temperature and humidity sensor 232 and the soil ph sensor 233 are both arranged in a typical tube culture soil area of the planting area 30 to monitor the temperature, humidity and ph value of the soil respectively, the wind speed sensor 234 monitors the wind speed of the planting area 30, and the illumination sensor 235 monitors the illumination intensity of the planting area 30.
The claim settlement server 10 stores an insurance policy, the insurance policy records the identification of the planting area 30, the crop species, the claim settlement conditions and the claim settlement amount, the insurance policy is signed by the farmer and the agricultural insurance company for effectiveness, the claim settlement conditions are the yield reduction ratio threshold, and the claim settlement amount is the product of the fixed unit area amount and the area of the planting area 30.
The beneficial technical effects of this embodiment are: a large number of farmers usually plant the same crops in crop production areas, the growing environments of the crops are similar, and the same is generally true for suffered agricultural disasters, such as drought, high temperature, heavy rain, continuous shade, freezing, strong wind and the like which are common agricultural disasters with wider influence areas. By checking a plurality of the crop planting areas 30 in the field without errors, the close planting areas 30 of other crops of the same variety which are determined to be claimed by the claim settlement server 10 can be presumed to be also claimed. The growth data of crops are collected through the data collector 20, when agricultural disasters occur to the crops, the growth environment data of related crops can be obtained through the data collector 20, so that the judgment of claim settlement can be carried out in an electronic mode, and the efficiency of claim settlement judgment is greatly accelerated. By establishing the storage certificate of the environmental data and the meteorological data, the environmental data and the meteorological data are prevented from being tampered, and the reliability of the claim settlement judgment result is ensured. When the environmental data and the meteorological data are damaged and lost, the data backup area can be restored, the difficulty of tampering the data is further improved, and the authenticity of the data is improved. If the difference between the crop yield obtained by substituting the growth model and the normal yield is too large, the crop is damaged, and a claim should be made.
Example two:
an agricultural insurance claim settlement judging system based on a block chain 50 is provided, and according to the embodiment, on the basis of the first embodiment, a related module is specifically improved aiming at the claim settlement judgment of an agricultural planting greenhouse. In this embodiment, the environment monitoring module 23 further includes a greenhouse data synchronization module 24, the greenhouse data synchronization module 24 is connected to a controller of a planting greenhouse, obtain in-greenhouse environment data and greenhouse control data of the planting greenhouse, the in-greenhouse environment data includes temperature and humidity in the greenhouse, temperature and humidity of soil in the greenhouse, ph of soil in the greenhouse, CO2 concentration in the greenhouse, illumination intensity in the greenhouse and images in the greenhouse, the greenhouse control data includes 64 a control instruction sent by the greenhouse controller, the data storage module 22 is assigned with greenhouse identifications for planting the greenhouse, the data storage module 22 stores the in-greenhouse environment data and the greenhouse identifications in association, the data storage module 21 stores the in-greenhouse environment data through a block chain 50, and the claim settlement server 10 saves policy for planting the greenhouse.
Referring to fig. 5, when a householder planting a greenhouse requests a claim for claim from the claim settlement server 10, the claim settlement server 10 issues a crop growth model and a greenhouse management and control model to the data collector 20;
the crop growth model collects environmental data in the greenhouse to obtain crop model yield, if the crop model yield is lower than a preset threshold value, a claim settlement procedure is carried out, otherwise, a greenhouse control model is executed;
the greenhouse management and control model collects greenhouse control data and greenhouse internal environment data and judges whether the control instruction is matched with the change of the greenhouse internal environment data;
if the control instruction which is not matched with the change of the environmental data in the shed exceeds a preset threshold value, entering a claim settlement program, otherwise, informing the claim settlement server 10 of not taking a risk.
The in-shed environment data packet 64 includes image data, and when the greenhouse management and control model obtains a control instruction which does not match with the change of the in-shed environment data, corresponding image data fragments before and after the control instruction time are intercepted, and the control instruction and the image data fragments are packed and sent to the claim settlement server 10 for future reference. According to the embodiment, the data of the greenhouse is accessed, insurance service is provided for greenhouse planting, the coverage range of agricultural insurance is expanded, and guarantee is provided for guaranteeing the safety of agricultural production of farmers.
Example three:
an agricultural insurance claim settlement judging system based on a block chain 50 is applied to agricultural insurance of corn planting. After the corns are planted and sprout, the corns in the bud stage are most contraindicated to drought, the roots 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.
Through set up a plurality of temperature and humidity sensor, soil temperature and humidity sensor 232, soil pH valve sensor 233, air velocity transducer 234 and illumination sensor 235 in maize planting district 30, obtain the humiture condition of air respectively to judge the too high temperature calamity that whether maize planting district 30 experienced, soil temperature and humidity sensor 232 can assist and judge the high temperature calamity, can also judge whether the maize experiences drought calamity. The soil pH value can judge whether the root system of the corn is rotten or not and whether the chemical fertilizer is applied too much or not when the corn is subjected to a waterlogging disaster, so that the growth of the corn is seriously influenced. The air root of the corn has strong waterlogging resistance and can not rot generally. The wind speed sensor 234 can determine whether the corn is experiencing a strong wind disaster. The illumination sensor 235 can judge whether the corns experience cloudy weather or not in the grouting period, and carry out claim settlement judgment on serious yield reduction problems caused by cloudy weather.
If the claim is determined to be required to be settled, paying the amount of money slightly equivalent to the corn planting cost of the farmer according to the settlement amount displayed by the insurance policy, and improving the capability of the farmer for resisting agricultural disasters.
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 (10)
1. An agricultural insurance claim settlement judging system based on a block chain is characterized in that,
the system comprises a plurality of data collectors and a claim settlement server, wherein a plurality of protected planting areas are accessed to one data collector, the data collector comprises a plurality of environment monitoring modules, a data synchronization module, a data storage module and a data evidence storage module, the environment monitoring modules comprise a plurality of environment data monitoring sensors arranged near the planting areas of farmers, the data synchronization module synchronizes data with a meteorological department to acquire meteorological data, the data storage module establishes marks for the accessed farmer areas and stores the environmental data and the meteorological data corresponding to the planting areas in association with the marks, the data evidence storage module periodically extracts hash values from the data of the data storage module, the hash values are uploaded to a block chain for storage, and when the claim settlement server receives a claim settlement request of the farmer, the claim settlement server issues growth models of crops corresponding to the planting areas to the data collectors, and the growth model calls environment data and meteorological data corresponding to the planting area to obtain model yield, if the model yield is lower than a preset threshold value, the claim settlement server is informed to enter a claim settlement program, otherwise, the claim settlement server is informed not to take risk.
2. The system for claim settlement judgment of agricultural insurance based on block chain according to claim 1,
the data storage module is provided with a sequential storage space for each planting area, environmental data and meteorological data corresponding to the planting areas are stored in the sequential storage spaces closely, the data storage module establishes evidence storage points in the sequential storage spaces in a first period, extracts a hash value of data between the two evidence storage points, stores the hash value in the evidence storage points and submits the hash value to the data evidence storage module, the data storage module packs the data between the two latest evidence storage points into a data packet in a second period, and submits the data packet to a claim settlement server for storage after being associated with identification and time stamp of the planting areas,
the data evidence storage module establishes a hash value table and an initial associated hash value for each planting area identification, stores the hash value submitted by the data storage module into the hash value table, extracts the hash value from the hash value table together with the latest hash value and the associated hash value, stores the hash value as a new associated hash value into the hash value table, associates the associated hash value with the planting area identification and the time stamp, sends the associated hash value to the claim settlement server for storage, and uploads the associated hash value to a block chain for storage after associating the latest associated hash value with the planting area identification and the time stamp in a third period.
3. The system for claim settlement judgment of agricultural insurance based on block chain according to claim 2,
and the data evidence storage module takes out the assigned bits of the associated hash value corresponding to each accessed planting area to obtain a plurality of N-bit numbers when the first period is finished, and adjusts the sequence of the N-bit numbers to obtain the arrangement sequence which enables the hash values extracted by the N-bit numbers to be minimum.
4. The block chain-based agricultural insurance claim settlement determination system according to claim 2 or 3,
the data verification module of the data acquisition unit extracts a hash value from the associated hash value corresponding to each planting area accessed by the data verification module as a periodic hash value when a first period is finished, takes appointed M bits of the periodic hash value, randomly sorts the M bits taken out by the data acquisition unit, and obtains the smallest hash value extracted from the sorted M-bit books together.
5. The block chain-based agricultural insurance claim settlement determination system according to claim 2 or 3,
the data storage module is provided with a backup storage area, the backup storage area comprises a plurality of linear backup areas, the linear backup areas correspond to the sequential storage spaces one by one, the linear backup areas are provided with numbers, when a new certificate storage point is generated in the sequential storage space, the linear backup areas synchronously generate identification points, data between the two latest certificate storage points are backed up between the two latest identification points of the corresponding linear backup areas, the data between the two latest identification points are scattered into subdata according to a preset size, the subdata is exchanged among the linear backup areas, hash values extracted by the data between the two latest identification points of the linear backup areas and the serial numbers of the linear backup areas are used as identification hash values, and the size sequence of the identification hash values is matched with the serial number sequence of the linear backup areas after the subdata exchange.
6. The system for claim settlement judgment of agricultural insurance based on block chain according to claim 5,
and if the subdata switching scheme which enables the tail bits of the identification hash value to have the same value is not found in the preset time, further scattering subdata into smaller subdata, and switching from a new attempt until the tail bits of the identification hash value of the linear backup area have the same value.
7. The system for judging agricultural insurance claims based on block chain according to any one of claims 1 to 3,
the environmental data monitoring sensor includes air temperature and humidity sensor, soil pH valve sensor, air velocity transducer and light intensity sensor, air temperature and humidity sensor sets up the air humiture near planting district in the near monitoring of planting district, soil temperature and humidity sensor and soil pH valve sensor all set up in planting district typical pipe banks up in soil region, monitor the humiture and the pH valve of soil respectively, air velocity transducer monitors the wind speed of planting the district, light intensity sensor monitoring planting the illumination intensity in district.
8. The system for claim settlement judgment of agricultural insurance based on block chain according to claim 7,
the claim settlement server stores an insurance policy, the insurance policy records planting area identification, crop species, claim settlement conditions and claim settlement limit, the insurance policy is signed by a farmer and an agricultural insurance company to take effect, the claim settlement conditions are yield reduction proportion threshold values, and the claim settlement limit is the product of a fixed unit area limit and a planting area.
9. The system for claim settlement judgment of agricultural insurance based on block chain according to claim 7,
the environment monitoring module also comprises a greenhouse data synchronization module, the greenhouse data synchronization module 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 control instructions sent by the greenhouse controller,
the data storage module is distributed with greenhouse identifications for the planting greenhouse, the data storage module stores the environmental data in the greenhouse in association with the greenhouse identifications, the data evidence storage module stores the environmental data in the greenhouse through a block chain,
the method comprises the steps that a policy for the planting greenhouse is stored in the claim settlement server, when a householder of the planting greenhouse requests for a claim settlement from the claim settlement server, the claim settlement server issues a data collector for a crop growth model and a greenhouse control model, the crop growth model collects greenhouse internal environment data to obtain crop model yield, if the crop model yield is lower than a preset threshold value, a claim settlement program is started, otherwise, the greenhouse control model is executed, the greenhouse control model collects greenhouse control data and greenhouse internal environment data, whether a control instruction is matched with greenhouse internal environment data change is judged, if the control instruction which is not matched with the greenhouse internal environment data change exceeds the preset threshold value, the claim settlement program is started, and if the control instruction which is not matched with the greenhouse internal environment data change exceeds the preset threshold value, the claim settlement server is notified that no risk is given.
10. The system for claim settlement judgment of agricultural insurance based on block chain according to claim 9,
the method comprises the steps that the environment data in the greenhouse comprise image data, when the greenhouse management and control model obtains a control instruction which is not matched with the change of the environment data in the greenhouse, corresponding image data fragments before and after the time of the control instruction are intercepted, and the control instruction and the image data fragments are packaged and sent to the claim settlement server for future reference.
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