CN117078440A

CN117078440A - Agricultural insurance claim settlement system

Info

Publication number: CN117078440A
Application number: CN202311114202.4A
Authority: CN
Inventors: 张莉莎
Original assignee: Guoren Property Insurance Co ltd
Current assignee: Guoren Property Insurance Co ltd
Priority date: 2023-08-29
Filing date: 2023-08-29
Publication date: 2023-11-17

Abstract

The application provides an agricultural insurance claim settlement system, which comprises a report processing module, a loss acquisition module, a loss calibration module, an investigation claim settlement module and a storage module; the storage module is used for storing the application information of the user; the case reporting processing module is used for calling the application information of the user according to the case reporting information when receiving the case reporting information of the user; the loss acquisition module is used for determining loss information corresponding to the user according to the report information and the application information, wherein the loss information comprises loss targets and loss quantity; the loss calibration module is used for determining a loss land block according to the loss information and a geographic information system map; the investigation and claim settlement module is used for acquiring the field investigation information of the lost land block and generating investigation report and damage assessment results according to the field investigation information. The position of the lost land in the geographic information system is directly obtained through the report information, so that more accurate positioning is realized.

Description

Agricultural insurance claim settlement system

Technical Field

The application relates to the technical field of information comprehensive processing, in particular to an agricultural insurance claim settlement system.

Background

The service industry has higher requirements on service quality, better service clients are important directions of development of some service industries, with development of new technologies and popularization of smart phones, time and space limitations are broken through by various services, traditional agricultural insurance is based on face-to-face expansion work of clients and operators, in the process of claim settlement, on-site investigation and damage assessment are generally carried out by relevant personnel, subjective factors of damage assessment are higher, the number of service modules required by the claim settlement system of the existing agricultural insurance is large, professional requirements for subsequent operation and maintenance are strong, maps display data are updated, and the map itself is relied on, so that map updating rate of partial remote areas is lower.

Disclosure of Invention

In view of the problems, the present application has been made to provide an agricultural insurance claim system that overcomes the problems or at least partially solves the problems, including:

an agricultural insurance claim settlement system comprises a report processing module, a loss acquisition module, a loss calibration module, an investigation claim settlement module and a storage module; the storage module is used for storing the application information of the user;

the case reporting processing module is used for calling the application information of the user according to the case reporting information when receiving the case reporting information of the user;

the loss acquisition module is used for determining loss information corresponding to the user according to the report information and the application information, wherein the loss information comprises loss targets and loss quantity;

the loss calibration module is used for determining a loss land block according to the loss information and a geographic information system map;

the investigation and claim settlement module is used for acquiring the field investigation information of the lost land block and forming investigation report and damage assessment results according to the field investigation information.

Further, the loss acquisition module comprises a loss range confirmation unit and a loss information confirmation unit;

the loss range confirming unit is used for confirming a loss target range according to the application information;

the loss information confirming unit is used for confirming loss targets and loss quantity according to the report information.

Further, the loss acquisition module further comprises a loss estimation unit;

the loss estimating unit is used for estimating the loss amount according to the loss target and the loss quantity.

Further, the loss calibration module comprises a loss land parcel confirmation unit and a marking unit;

the lost land parcel confirming unit is used for confirming geographic information of the lost land parcel according to the lost information;

the marking unit is used for determining the position of the lost land block in the geographic information system map according to the geographic information and marking the lost land block.

Further, the investigation and claim settlement module comprises an investigation task generation unit, an investigation report acquisition unit and a settlement and claim settlement unit;

the survey task generating unit is used for generating a survey task according to the lost land parcels;

the survey report acquisition unit is used for acquiring a survey report according to the survey task;

the settlement core claim unit is used for generating an assessment result according to the investigation report.

Further, the survey report acquisition unit comprises a survey image data acquisition subunit, a survey report generation subunit and a survey task submission subunit;

the survey image data acquisition subunit is used for acquiring survey image data according to the survey task;

the survey report generation subunit is configured to generate a survey report according to the survey image data and the loss information.

Further, the core claim settlement unit comprises a processing operator unit and a core claim subunit;

the calculating subunit is used for estimating loss according to the survey report and generating an estimated loss result;

and the claim checking subunit is used for acquiring the compensation amount and rechecking the compensation amount according to the damage assessment result and the insurance information.

Further, the core claim settlement unit further comprises an impairment determination subunit;

the damage assessment subunit is used for confirming the loss degree of the target object according to the survey report.

Further, the system also comprises a query module;

the inquiry module is used for inquiring the policy information.

Further, the system also comprises a cable report module;

and the online case reporting module is used for reporting cases according to the policy information of the clients when receiving the client requests and generating the case reporting information.

The application has the following advantages:

in the embodiment of the application, compared with the problems that the claim settlement program in the prior art is complex, the damage is influenced by subjective factors and the updating of map data of more service modules is slow, the application provides an agricultural insurance claim settlement system, which comprises a case report processing module, a damage acquisition module, a damage calibration module, a survey claim settlement module and a storage module; the storage module is used for storing the application information of the user; the case reporting processing module is used for calling the application information of the user according to the case reporting information when receiving the case reporting information of the user; the loss acquisition module is used for determining loss information corresponding to the user according to the report information and the application information, wherein the loss information comprises loss targets and loss quantity; the loss calibration module is used for determining a loss land block according to the loss information and a geographic information system map; the investigation and claim settlement module is used for acquiring the field investigation information of the lost land block and generating investigation report and damage assessment results according to the field investigation information. The position of the lost land block in the geographic information system is directly obtained through the report information, so that more accurate positioning is realized, the position information of the target object is circled, subjective interference is eliminated, and the moral risk of claim settlement is reduced.

Drawings

In order to more clearly illustrate the technical solutions of the present application, the drawings that are needed in the description of the present application will be briefly described below, it being obvious that the drawings in the following description are only some embodiments of the present application, and that other drawings may be obtained according to these drawings without inventive effort to a person skilled in the art.

FIG. 1 is a block diagram of an agricultural insurance claim system according to an embodiment of the present application;

FIG. 2 is a block diagram of an agricultural insurance claim system according to an embodiment of the present application;

FIG. 3 is a block diagram of an embodiment of an agricultural insurance claim system for managing claim flows;

fig. 4 is a frame diagram of a planting insurance claim process of an agricultural insurance underwriting system according to an embodiment of the present application.

In the accompanying drawings: 1. a report processing module; 2. a loss acquisition module; 3. a loss calibration module; 4. and (5) an investigation and claim settlement module.

Detailed Description

In order that the manner in which the above recited objects, features and advantages of the present application are obtained will become more readily apparent, a more particular description of the application briefly described above will be rendered by reference to the appended drawings. It will be apparent that the described embodiments are some, but not all, embodiments of the application. All other embodiments, which can be made by those skilled in the art based on the embodiments of the application without making any inventive effort, are intended to be within the scope of the application.

The inventors found by analyzing the prior art that: the insurance is all through relevant personnel's on-the-spot investigation loss-assessment in the settlement stage, can sometimes lead to the location inaccuracy when the investigation because of the map updates slowly, and the deviation appears in the loss situation, and the artifical loss moral risk of prearing is higher simultaneously, the settlement procedure is complicated.

Referring to fig. 1-2, a block diagram and a frame diagram of an agricultural insurance claim system according to an embodiment of the present application are shown.

It should be noted that a geographic information map (GIS) is a special and very important spatial information system. It is a technical system that collects, stores, manages, calculates, analyzes, displays and describes the geographically distributed data of the whole or part of the earth's surface (including the atmosphere) with the support of computer hardware and software systems. GIS connects data to a map, integrating location data (where things are located) with all types of descriptive information (where things are located). This may provide a basis for mapping and analysis applicable to natural science and almost all industries. GIS helps users to know patterns, relationships and geographic environments. Advantages include improved communication, increased efficiency, and better management and decision making.

By embedding the GIS system, the mobile terminal can be supported to locate the geographic information in real time, complex background operation and maintenance are not needed, and claim settlement operation can be completed without using a computer terminal. And the position information of the target object is circled in the GIS system, so that the moral risk of claim settlement is reduced.

Next, an agricultural insurance claim system in the present exemplary embodiment will be further described.

In an embodiment of the present application, the loss acquisition module includes a loss range confirmation unit and a loss information confirmation unit;

the loss range confirming unit is used for confirming a loss target range according to the application information; and confirming the target range corresponding to the policy by applying the information to confirm the target applied in the policy, thereby confirming that the loss belongs to the target range in the policy.

The loss information confirming unit is used for confirming loss targets and loss quantity according to the report information. In agricultural insurance, the loss corresponding to planting insurance is marked as land, the loss amount is marked as land size, the cultivation insurance corresponding to cultivation species, and the loss amount is marked as the amount of the species affected by the attack.

In a specific implementation, referring to fig. 3, in order to provide a flowchart for the cultivation insurance claim, the cultivation insurance farmer reports a case by self, and the report data is sent to the core system, and the core system schedules related personnel to perform investigation, issues investigation tasks, and the related personnel collect information according to the investigation tasks and send the information to the system, so as to complete the subsequent damage assessment claim process.

In another specific implementation, referring to fig. 4, for a flowchart of planting insurance claim settlement, planting insurance farmers report a case, report information is sent to a core system, and the core system schedules related personnel to perform investigation, and sends investigation data back to the core, so that a subsequent damage assessment and claim settlement process is completed.

In an embodiment of the present application, the loss acquisition module further includes a loss estimation unit;

the loss estimating unit is used for estimating the loss amount according to the loss target and the loss quantity. The amount of the loss of the customer is estimated locally for the object price condition of the loss target when accidents occur to the loss quantity inquiry, so that the subsequent compensation processing according to the underwriting condition of the policy is facilitated, and the possibility of disputes is reduced.

In an embodiment of the present application, the loss calibration module includes a loss plot confirmation unit and a marking unit;

the marking unit is used for determining the position of the lost land block in the geographic information system map according to the geographic information and marking the lost land block. The specific position of the lost land is confirmed through the butt joint of the geographic information data of the lost land and the geographic information map, and accurate positioning is achieved.

In one embodiment of the present application, the survey and claim settlement module includes a survey task generating unit, a survey report acquiring unit, and a settlement and claim settlement unit;

the survey task generating unit is used for generating a survey task according to the lost land parcels; the investigation task is basically in the form of collecting photos with watermarks, and related personnel can collect photos required by the investigation task on site, and the watermarks can be in the form of longitude and latitude, time, land parcels and other required business attributes and corporate logo.

The survey report acquisition unit is used for acquiring a survey report according to the survey task; and uploading the collected photos to a system by related personnel to complete the survey task and generate a survey report.

The settlement core claim unit is used for generating an assessment result according to the investigation report. And identifying the loss degree through the photo scene, and confirming the loss target so as to generate a damage assessment result.

In one embodiment of the present application, the survey report acquiring unit includes a survey image data acquiring subunit, a survey report generating subunit, and a survey task submitting subunit;

the survey image data acquisition subunit is used for acquiring survey image data according to the survey task; and acquiring image data such as photos acquired by related personnel according to the survey task through the survey task.

The survey report generation subunit is configured to generate a survey report according to the survey image data and the loss information. And confirming actual loss data through the survey image data, and generating an actual loss generation survey report of the current case through checking and comparing the actual loss data with the loss information.

In an embodiment of the present application, the core claim computing unit includes a processing operator unit and a core claim subunit;

the calculating subunit is used for estimating loss according to the survey report and generating an estimated loss result; the loss degree can be confirmed according to the investigation report, and the loss amount corresponding to the loss degree is estimated according to the local current price, so as to generate an estimated loss result.

And the claim checking subunit is used for acquiring the compensation amount and rechecking the compensation amount according to the damage assessment result and the insurance information. And comparing the actual compensation amount with the loss amount of the damage assessment result, adding compensation data preset in other insurance policies, confirming that the difference between the compensation amount and the loss amount is within a preset range, and if not, sending a warning to the service port.

In an embodiment of the application, the core claim unit further includes an impairment determination subunit;

In an embodiment of the application, the system further comprises a query module;

the inquiry module is used for inquiring the policy information. The user can query the policy information in advance, confirm that the loss belongs to the policy range and report the case, so that the working efficiency is improved.

In an embodiment of the application, the system further comprises a cable report module;

and the online case reporting module is used for reporting cases according to the policy information of the clients when receiving the client requests and generating the case reporting information. When a client initiates a request, relevant information is filled in according to the system prompt, and newspaper information is generated through the relevant information filled in by the client.

In this specification, each embodiment is described in a progressive manner, and each embodiment is mainly described by differences from other embodiments, and identical and similar parts between the embodiments are all enough to be referred to each other.

While preferred embodiments of the present application have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. It is therefore intended that the following claims be interpreted as including the preferred embodiment and all such alterations and modifications as fall within the scope of the embodiments of the application.

Finally, it is further noted that relational terms such as first and second, and the like are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Moreover, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or terminal that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or terminal. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article or terminal device comprising the element.

The foregoing has outlined a detailed description of an agricultural insurance claim system provided by the present application, wherein specific examples are provided herein to illustrate the principles and embodiments of the present application, and the above examples are provided to assist in understanding the method of the present application and the core ideas thereof; meanwhile, as those skilled in the art will have variations in the specific embodiments and application scope in accordance with the ideas of the present application, the present description should not be construed as limiting the present application in view of the above.

Claims

1. An agricultural insurance claim settlement system is characterized by comprising a report processing module, a loss acquisition module, a loss calibration module, an investigation claim settlement module and a storage module; the storage module is used for storing the application information of the user;

2. The system of claim 1, wherein the loss acquisition module comprises a loss range validation unit and a loss information validation unit;

3. The system of claim 2, wherein the loss acquisition module further comprises a loss estimation unit;

4. The system of claim 1, wherein the loss calibration module comprises a loss plot validation unit and a marking unit;

5. The system of claim 1, wherein the survey claim module comprises a survey task generating unit, a survey report acquiring unit, and a claim settling unit;

6. The system of claim 5, wherein the survey report acquisition unit comprises a survey image data acquisition subunit, a survey report generation subunit, and a survey task submission subunit;

7. The system of claim 5, wherein the calculate core claim unit comprises a processing operator unit and a core claim subunit;

8. The system of claim 7, wherein the settlement core claim unit further comprises an impairment subunit;

9. The system of claim 1, further comprising a query module;

the inquiry module is used for inquiring the policy information.

10. The system of claim 1, further comprising a cable report module;