CN113469824B - Agricultural insurance claim judgement system based on block chain - Google Patents
Agricultural insurance claim judgement system based on block chain Download PDFInfo
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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 blockchains, in particular to an agricultural insurance claim settlement system based on blockchains, 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 storage and verification module, the data storage module stores environment data and meteorological data corresponding to a planting area, the data storage module stores the data of the data storage module through the blockchain, the claim settlement server sends a growth model corresponding to crops in the planting area to the data collectors, the growth model is used for calling the environment data and the meteorological data corresponding to the planting area to obtain model output, and if the model output is lower than a preset threshold value, a claim settlement program is entered. The invention has the following substantial effects: the growth data of crops are collected through the data collector, so that the judgment of the claim settlement can be performed electronically, the efficiency of the claim settlement is greatly improved, 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 system based on a block chain.
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.
Agricultural insurance is divided into planting industry insurance and breeding industry insurance according to different agricultural types; the safety system is divided into natural disaster loss safety, pest damage safety, disease death safety and accident loss safety according to dangerous properties; according to different insurance responsibility ranges, the method can be divided into basic responsibility risks, comprehensive responsibility risks and all risks; the method of payment can be divided into loss risk and harvest risk of the planting industry.
Through searching, the Chinese patent CN109410076A is found to be the closest prior art to the application, 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, wherein 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 credit data file and information related to a block chain related to the credit data file, wherein the block chain data acquisition and storage subsystem collects the credit data file and the information related to the block chain related to the credit data file, 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 involved agricultural enterprises, the technical scheme cannot achieve the purpose of reducing the pay workload and further reducing the operation cost of the agricultural insurance enterprises.
Disclosure of Invention
The invention aims to solve the technical problems that: the technical problems of high cost and low efficiency in the existing agricultural insurance claim settlement are solved. An agricultural insurance claim judging system based on block chain is provided,
in order to solve the technical problems, the invention adopts the following technical scheme: the utility model provides an agricultural insurance claim decision-making system based on blockchain, includes a plurality of data collection ware and settlement server, and a plurality of planting district that applies for insurance inserts a data collection ware, the data collection ware includes a plurality of environmental monitoring module, a plurality of data synchronization module, data storage module and data storage module, the environmental monitoring module includes a plurality of environmental data monitoring sensor that sets up near the peasant household planting district, data synchronization module and meteorological department synchronize data, acquires meteorological data, the data storage module establishes the sign for the peasant household planting district that inserts to with the relevant sign of environmental data and meteorological data that planting district corresponds to be stored, the data storage module periodicity draws hash value with the data of data storage module, uploads the hash value to the blockchain and stores, when the settlement server received the settlement request of peasant household, the settlement server sends the environmental data and the meteorological data that the growth model that the planting district corresponds crops down to the data collection ware, the environmental data and the corresponding to the growth model adjustment district, if predetermine and install the output, if predetermine and be less than the threshold value, notify the settlement server and if the settlement is out the settlement is not passed on to the server.
Preferably, the data storage module sets up a linear storage space for each planting area, tightly stores environment data and meteorological data corresponding to the planting area into the linear storage space, sets up a hash value table in the linear storage space by a first period, extracts a hash value of data between the two hash values, stores the hash value into the hash value table and submits the hash value to the data storage module, packages the data between the latest two hash values into a data packet by the data storage module in a second period, submits the data packet to a claim server for storage after being related to an identifier and a timestamp of the planting area, sets up a hash value table and an initial associated hash value for each planting area identifier, stores the hash value submitted by the data storage module into the hash value table, extracts the hash value together with the latest hash value in the hash value table as a new associated value and stores the hash value table, and sends the hash value and the hash value to a hash server after being related to the planting area by the hash module, and the hash value is related to a third identifier and the hash value, and the hash value is related to the hash server after being related to the planting area.
Preferably, the data storage module takes out the designated bit of the associated hash value corresponding to each planting area when the first period is finished, a plurality of N-bit numbers are obtained, the N-bit numbers are adjusted in sequence, and an arrangement sequence enabling the hash value extracted by the N-bit numbers together to be minimum is obtained.
Preferably, communication connection is established among the plurality of data collectors, when a first period is finished, the data storage module of the data collector extracts hash values together from associated hash values corresponding to each planting area accessed by the data storage module, the hash values are used as periodic hash values, designated M bits of the periodic hash values are taken, the M bits taken out by the plurality of data collectors are randomly ordered, and the hash value which is extracted together by the ordered M bits of books is minimum.
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 are in one-to-one correspondence with the linear storage space, the linear backup areas are provided with numbers, when the linear storage space generates new evidence storage points, the linear backup areas synchronously generate identification points, the data between the latest two evidence storage points are backed up between the latest two identification points of the corresponding linear backup areas, the data between the latest two identification points are scattered into sub-data according to a preset size, the sub-data are exchanged between the plurality of linear backup areas, the hash values extracted by the data between the latest two identification points of the linear backup areas and the numbers of the linear backup areas are used as identification hash values, and the sequence of the sizes of the identification hash values after the sub-data exchange is matched with the sequence of the numbers of the linear backup areas.
Preferably, the last several digits of the latest identification hash value of the linear backup area have the same value, if the sub-data exchange scheme that the last several digits of the identification hash value have the same value is not found in the preset time, the sub-data are further broken into smaller sub-data, and the exchange is attempted from the new time until the last several digits of the identification hash value of the linear backup area are the same.
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, wherein the air temperature and humidity sensor is arranged near a planting area for monitoring 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 soil culture area of the planting area for respectively monitoring the temperature and humidity and the pH value of soil, 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 server stores a policy, wherein the policy records a planting area identifier, a crop type, claim settlement conditions and claim settlement amount, the policy is signed and validated by farmers and agricultural insurance companies, the claim settlement condition is a yield reduction ratio threshold, and the claim settlement amount is the product of a fixed unit area amount and a planting area.
Preferably, the environmental 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 environment data and greenhouse control data of the planting greenhouse, the greenhouse environment data comprise greenhouse air temperature and humidity, greenhouse soil acidity and alkalinity, greenhouse CO2 concentration, greenhouse illumination intensity and greenhouse image, the greenhouse control data comprise control instructions sent by the greenhouse controller, the data storage module distributes greenhouse identification to the planting greenhouse, the data storage module stores the greenhouse environment data in association with the greenhouse identification, the data storage module stores the greenhouse environment data through a block chain, the claim server stores a policy for the planting greenhouse, when an indoor owner of the planting greenhouse requests the claim server for the claim model, the crop growth model and the greenhouse management model send out data, the crop growth model sets the greenhouse environment data, obtain the crop yield, if the greenhouse yield is preset, the environment model is not matched with the claim data, if the environment control model is not matched with the claim data, and if the environment control model is not matched with the environment control data, and if the environment control data is not matched with the environment control model, and if the environment data is not matched with the environment control model.
Preferably, the greenhouse environment data comprises image data, when the greenhouse management and control model obtains a control instruction which is not matched with the change of the greenhouse environment data, the image data fragments corresponding to the control instruction before and after time are intercepted, and the control instruction and the image data fragments are packaged and sent to the claim server for investigation.
The invention has the following substantial effects: 1) The data acquisition device is used for collecting the growth data of crops, when agricultural disasters occur to the crops, the data acquisition device is used for acquiring the growth environment data of the related crops, so that the judgment of the claims can be performed electronically, and the efficiency of the judgment of the claims is greatly improved; 2) By establishing the evidence of the environmental data and the meteorological data, the environmental data and the meteorological data are prevented from being tampered, and the credibility of the result of the claim settlement judgment 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 tampering the data is further improved, and the authenticity of the data is improved; 4) By accessing greenhouse data, insurance service is provided for greenhouse planting, the coverage range of agricultural insurance is expanded, and the safety of agricultural production of farmers is ensured.
Drawings
FIG. 1 is a schematic diagram of an agricultural insurance claim determining system according to an embodiment.
FIG. 2 is a schematic diagram illustrating a data storage module according to an embodiment.
FIG. 3 is a schematic diagram of a data backup according to an embodiment.
Fig. 4 is a schematic diagram of an environmental data monitoring sensor according to an embodiment.
Fig. 5 is a schematic diagram of a claim settlement and judgment process of a planting greenhouse according to the second embodiment.
Wherein: 10. the system comprises a claim server, 20, a data collector, 30, a planting area, 40, a meteorological department, 50, a blockchain, 21, a data 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, a 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 an illumination 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, an agricultural insurance claim judging system based on a blockchain 50 comprises a plurality of data collectors 20 and a claim server 10, a plurality of applied planting areas 30 are connected with one data collector 20, the data collectors 20 comprise a plurality of environment monitoring modules 23, a plurality of data synchronizing modules 24, a data storage module 22 and a data storage module 21, the environment monitoring modules 23 comprise a plurality of environment data monitoring sensors 230 arranged near the planting areas 30 of the farmers, the data synchronizing modules 24 synchronize data with a meteorological department 40 to acquire meteorological data, the data storage module 22 establishes an identifier for the accessed planting areas 30 of the farmers and stores the associated identifier of the environmental data and the meteorological data corresponding to the planting areas 30, the data storage module 21 periodically extracts hash values from the data of the data storage module 22, the hash values are uploaded to the blockchain 50 for storage, when the claim server 10 receives a claim request of the farmers, the data collector 20 under a growth model corresponding to the planting areas 30, the data storage module informs the data storage module of the environment data corresponding to the growth model, the data storage module of the environmental data corresponding to the growth model, the data storage module 22 establishes the identifier for the accessed farmers, if the claim model 30 is not preset, the claim data is not stored by the claim server 10, and if the claim data is not preset, and the claim yield is not obtained by the claim server is not corresponding to the threshold.
The data storage module 22 sets up a linear storage space for each planting area 30, and tightly stores the environmental data and the meteorological data corresponding to the planting areas 30 into the linear storage space. Referring to fig. 2, the data storage module 22 establishes the certification points 63 in the linear storage space according to the first period, extracts the hash value of the data between the two certification points 63, stores the hash value in the certification points 63 and submits the hash value to the data certification module 21, and the data storage module 22 packages the data between the latest two certification points 63 into the data packet 64 according to the second period, and submits the data packet 64 to the claim server 10 for storage in association with the identification and the time stamp of the planting area 30. The claim 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, increase the difficulty of data tampering, and ensure the authenticity of the environmental data and the meteorological data.
The data storage 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 storage module 22 into 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 as a new associated hash value, stores the new associated hash value into the hash value table 61, and sends the associated hash value to the claim server 10 for storage after associating the associated hash value with the planting area 30 identifier and the timestamp, please refer to fig. 2 again, and the data storage module 21 associates the latest associated hash value with the planting area 30 identifier and the timestamp in a third period and uploads the latest associated hash value to the blockchain 50 for storage.
At the end of the first period, the data storage module 21 takes out the designated bit of the associated hash value corresponding to each planting area 30 to obtain a plurality of N-bit numbers, and adjusts the sequence of the N-bit numbers to obtain the arrangement sequence of the hash values with the minimum value extracted by the N-bit numbers.
Table 1 associated hash value after certain period ends
From the associated hash values in the corresponding sequence storage spaces 62 of all the planting areas 30, 12 4 digits are taken out, the number of combinations of the 12 4 digits arranged is about 4.8 hundred million, and a certain time is required to be consumed to obtain the arrangement sequence with the minimum hash value extracted by the N digits together, so that the data in the data storage module 22 can be prevented from being tampered as long as the time is close to the first period. Because once the data is tampered with, it is necessary to re-find the permutation order in which the hash value extracted together with the N number of bits is minimized. The expended effort may result in the data logging module 21 being overwhelmed with other transactions, resulting in data logging being not self-consistent. Each associated hash value takes out 12 bits, and after data modification, the probability that the designated 12 bits are unchanged in the newly extracted associated hash value is one of 12 times of 16 and is extremely low.
Further, communication connection is established between the plurality of data collectors 20, when the first period is over, the data storage module 21 of the data collector 20 extracts hash values together from the associated hash values corresponding to each planting area 30 accessed by the data storage module as a period hash value, takes specified M bits of the period hash value, and randomly sorts the M bits taken out by the plurality of data collectors 20 to obtain a hash value minimum extracted by the M-bit books after sorting together. In this scenario, the calculation of 4.8 hundred million calculations is relatively quick to complete with the power of the plurality of data collectors 20. So that each participating data collector 20 still has sufficient time to process other transactions. However, if one of the data collectors 20 tampers with data, it needs to perform 4.8 hundred million calculations independently, which results in insufficient calculation power, and it is difficult to perform other data verification tasks, so that any data tampering will leave marks.
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 are in one-to-one correspondence with the linear storage spaces, the linear backup areas have numbers, when the linear storage spaces generate new certificate points 63, the linear backup areas synchronously generate identification points 65, the data between the latest two certificate points 63 are backed up between the latest two identification points 65 of the corresponding linear backup areas, the data between the latest two identification points 65 are scattered into sub-data according to a preset size, the sub-data are exchanged between the plurality of linear backup areas, the hash values extracted by the data between the latest two identification points 65 of the linear backup areas and the numbers of the linear backup areas are used as identification hash values, and the sequence of the sizes of the identification hash values after the sub-data exchange is matched with the sequence of the numbers of the linear backup areas. That is, if the identification hash value of the linear backup area with the number 01 is 647116067009a04F7B52F3C49BF29348A1DB0E09040E215F1F61DC830583D712, the identification hash value of the linear backup area with the number 02 must be larger than the hash value, and if the number of linear backup areas is relatively large, the difficulty of generating the identification hash value further is increased. When the number of the linear backup areas is enough, the workload evidence with enough difficulty can be provided, and the difficulty of data tampering is improved.
As an alternative to workload certification schemes, it is also possible to employ: and if the sub data exchange scheme enabling the last several digits of the identification hash value to be the same is not found within the preset time, the sub data are further broken into smaller sub data, and exchange is performed from new attempt until the last several digits of the identification hash value of the linear backup area are the same. In this embodiment, the last 2 bits are taken to be the same. The probability of the last two bits being the same is 1/256, which is easier to meet. If the sub-data is sufficiently large, it may further be required that the last more bits are identical. The linear backup area as numbered 01 has an identification hash value of 647116067009A04F7B52F3C49BF29348A1DB0E09040E215F1F61DC830583D712Then braidingThe last two digits of the identification hash value of the linear backup area with the number of 02 must also take the value of 12, and if the identification hash value with the last two digits of 12 cannot be obtained, the sub data is broken into smaller sub data, and the 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, referring to fig. 4, the air temperature and humidity sensor 231 is disposed 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 disposed in a typical soil cultivation area of the planting area 30 to monitor the temperature and humidity and ph of soil, 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 server 10 stores a policy describing the identity of the planting area 30, the type of crops, the condition of claim settlement and the amount of claim settlement, the policy being validated by the farmer and the agricultural insurance company, the condition of claim settlement being a threshold of the ratio of reduction in yield, the amount of claim settlement being the product of the amount of fixed unit area 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 a crop production area, the growing environments of the crops are similar, and the crops are also common to the suffered agricultural disasters, such as drought, high temperature, heavy rain, even yin, freezing, strong wind and the like, which are common agricultural disasters with wider influence areas. By looking at several of the crop planting areas 30 in the field without errors, it can be assumed that other similar planting areas 30 for the same variety of crops for which claims are determined by the claims server 10 should also be claimed. The data collector 20 is used for collecting the growth data of crops, and when agricultural disasters occur to the crops, the data collector 20 can be used for obtaining the growth environment data of the related crops, so that the judgment of the claim can be performed electronically, and the efficiency of the judgment of the claim is greatly improved. By establishing the evidence of the environmental data and the meteorological data, the environmental data and the meteorological data are prevented from being tampered, and the credibility of the result of the claim settlement judgment 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 after substituting the growth model and the normal yield is too large, the crop is indicated to suffer from disasters, and claims should be settled.
Embodiment two:
in the embodiment, on the basis of the first embodiment, the related modules are specifically improved for the claim settlement of the agricultural planting greenhouse. In this embodiment, the environmental monitoring module 23 further includes a greenhouse data synchronization module 24, the greenhouse data synchronization module 24 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 64 includes greenhouse internal air temperature and humidity, greenhouse internal soil ph value, greenhouse internal CO2 concentration, greenhouse internal illumination intensity and greenhouse internal image, the greenhouse control data 64 includes a control instruction sent by the greenhouse controller, the data storage module 22 distributes greenhouse identification for the planting greenhouse, the data storage module 22 stores the greenhouse internal environment data in association with the greenhouse identification, the data storage module 21 stores the greenhouse internal environment data through the blockchain 50, and the claim server 10 stores a policy for the planting greenhouse.
Referring to fig. 5, when a homeowner who plants a greenhouse requests a claim server 10 for claim settlement, the claim server 10 issues a crop growth model and a greenhouse management and control model to a data collector 20;
regulating environmental data in a shed by a crop growth model to obtain crop model yield, entering a claim settlement program if the crop model yield is lower than a preset threshold value, and executing a greenhouse management and control model if the crop model yield is lower than the preset threshold value;
the greenhouse management and control model collects greenhouse control data and greenhouse environment data, and judges whether the control instruction is matched with the greenhouse environment data change;
if the control instruction which is not matched with the change of the environmental data in the shed exceeds the preset threshold, entering a claim settlement program, otherwise, notifying the claim settlement server 10 not to be at risk.
The environmental data 64 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, the image data fragments corresponding to the control instruction before and after the control instruction time are intercepted, and the control instruction and the image data fragments are packaged and sent to the claim server 10 for investigation. According to the embodiment, the greenhouse data are accessed, so that insurance service is provided for greenhouse planting, the coverage range of agricultural insurance is expanded, and the safety of agricultural production of farmers is ensured.
Embodiment III:
a system for judging agricultural insurance claims based on a blockchain 50 is applied to agricultural insurance for corn planting. After corns are planted and germinated, the corns in the young bud period are most forbidden to drought, the root systems 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 setting up a plurality of temperature and humidity sensor, soil temperature and humidity sensor 232, soil pH value sensor 233, wind speed sensor 234 and illumination sensor 235 at maize planting district 30, obtain the humiture condition of air respectively to judge whether maize planting district 30 experiences too high temperature disaster, soil temperature and humidity sensor 232 can assist to judge high Wen Zaihai, can also judge whether maize experiences drought disaster. The soil pH value can judge whether the root system of the corn is rotten or not when the corn experiences waterlogging disasters, whether excessive fertilizers are applied or not, and the like, so that the problem that the growth of the corn is seriously affected can be solved. The corn has strong resistance to waterlogging, and generally does not decay. The wind speed sensor 234 can then determine whether the corn is experiencing a wind disaster. The illumination sensor 235 can determine whether corn is experiencing even cloudy weather during the filling period, and make a claim settlement for serious yield reduction problems caused by even clouds.
If the claim is judged to be required, the peasant pays the amount of money which is slightly equivalent to the corn planting cost according to the claim amount displayed by the policy, and the capability of peasant resisting agricultural disasters is improved.
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 (7)
1. A block chain-based agricultural insurance claim judging system is characterized in that,
the system comprises a plurality of data collectors and a claim server, wherein a data collector is connected to a plurality of covered planting areas, the data collector comprises a plurality of environment monitoring modules, a data synchronization module, a data storage module and a data storage module, the environment monitoring modules comprise a plurality of environment data monitoring sensors arranged near the planting areas of the farmers, the data synchronization module synchronizes data with a meteorological department to acquire meteorological data, the data storage module establishes an identification for the connected planting areas of the farmers, and stores the environment data and meteorological data corresponding to the planting areas in an associated mode, the data storage module periodically extracts hash values from the data of the data storage module, uploads the hash values to a blockchain for storage, when the claim server receives claim requests of the farmers, the claim server sends the environment data and the meteorological data corresponding to the planting areas to the data collector under a growth model of the crops, and the model yield is obtained by modulating the environment data and the meteorological data corresponding to the planting areas, if the model yield is lower than a preset threshold, the claim server is informed to enter the claim server, and otherwise, the claim server is not informed;
the data storage module sets up a sequential storage space for each planting area, tightly stores the environment data and the meteorological data corresponding to the planting area into the sequential storage space, establishes a certification point in the sequential storage space according to a first period, extracts a hash value of the data between the two certification points, stores the hash value into the certification point and submits the hash value to the data certification module, the data storage module packages the latest data between the two certification points into a data packet according to a second period, submits the data packet to a claim server for storage after being related with the identification and the timestamp of the planting area,
the data storage verification module establishes a hash value table and an initial association hash value for each planting area identifier, stores the hash value submitted by the data storage module into the hash value table, extracts the hash value from the latest hash value and the association hash value in the hash value table together as a new association hash value and stores the new association hash value into the hash value table, and sends the association hash value to the claim server for storage after associating the association hash value with the planting area identifier and the timestamp, and the data storage verification module uploads the latest association hash value to the blockchain for storage after associating the latest association hash value with the planting area identifier and the timestamp in a third period;
when the first period is over, the data storage module takes out the designated bit of the associated hash value corresponding to each planting area to be accessed to obtain a plurality of N-bit numbers, and adjusts the sequence of the N-bit numbers to obtain the arrangement sequence with the minimum hash value extracted by the N-bit numbers;
and when the first period is finished, the data storage module of the data collector extracts hash values together with associated hash values corresponding to each planting area accessed by the data storage module as a period hash value, takes specified M bits of the period hash values, and randomly sorts the M bits taken out by the data collector to obtain the hash value minimum extracted by the M bits after sorting.
2. The agricultural insurance claim 1, wherein the system is characterized in that,
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 are in one-to-one correspondence with the sequential storage spaces, the linear backup areas are provided with numbers, when the sequential storage spaces generate new evidence storage points, the linear backup areas synchronously generate identification points, the data between the latest two evidence storage points are backed up between the latest two identification points of the corresponding linear backup areas, the data between the latest two identification points are scattered into sub-data according to a preset size, the sub-data are exchanged between the plurality of linear backup areas, the hash values extracted by the data between the latest two identification points of the linear backup areas and the numbers of the linear backup areas are used as identification hash values, and the sequence of the sizes of the identification hash values after the sub-data exchange is sequentially matched with the numbers of the linear backup areas.
3. The agricultural insurance claim 2, wherein the system is characterized in that,
and if the sub data exchange scheme enabling the last several digits of the identification hash value to be the same is not found within the preset time, the sub data are further scattered into smaller sub data, and exchange is retried until the last several digits of the identification hash value of the linear backup area are the same.
4. A system for determining a claim for agricultural insurance based on a blockchain as defined in any of claims 1 to 3,
the environment data monitoring sensor comprises an air temperature and humidity sensor, a soil pH value sensor, an air speed sensor and an illumination sensor, wherein the air temperature and humidity sensor is arranged near a planting area for monitoring 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 soil culture area of the planting area for respectively monitoring the temperature and humidity and the pH value of soil, the air speed sensor monitors the air speed of the planting area, and the illumination sensor monitors the illumination intensity of the planting area.
5. The agricultural insurance claim 4, wherein the system is characterized in that,
the claim server stores a policy, wherein the policy records planting area identification, crop types, claim settlement conditions and claim settlement limit, the policy is signed and validated by farmers and agricultural insurance companies, the claim settlement condition is a yield reduction ratio threshold, and the claim settlement limit is the product of fixed unit area limit and planting area.
6. The agricultural insurance claim 4, wherein the system is characterized in that,
the environment monitoring module further comprises a greenhouse data synchronization module 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 CO2 concentration, greenhouse internal illumination intensity and greenhouse internal image, the greenhouse control data comprises control instructions sent by the greenhouse controller,
the data storage module distributes greenhouse identification for the planting greenhouse, the data storage module stores the environmental data in the greenhouse in association with the greenhouse identification, the data certification module certifies the environmental data in the greenhouse through a blockchain,
the method comprises the steps that a claim server stores a protection list for a planting greenhouse, when a householder who plants the greenhouse requests the claim server for claim settlement, the claim server sends a crop growth model and a greenhouse management and control model to a data collector, the crop growth model is used for adjusting environmental data in the greenhouse to obtain crop model yield, if the crop model yield is lower than a preset threshold, a claim settlement program is carried out, otherwise, the greenhouse management and control model is executed, the greenhouse management and control model is used for adjusting greenhouse control data and greenhouse environmental data, whether a control instruction is matched with the change of the greenhouse environmental data is judged, if the control instruction which is not matched with the change of the greenhouse environmental data exceeds the preset threshold, the claim settlement program is entered, and otherwise, the claim settlement server is informed not to give out danger.
7. The agricultural insurance claim 6, wherein the system is characterized in that,
when the greenhouse management and control model obtains a control instruction which is not matched with the change of the greenhouse environment data, intercepting image data fragments corresponding to the control instruction before and after the control instruction time, packaging the control instruction and the image data fragments, and sending the control instruction and the image data fragments to the claim server for investigation.
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