Relying on spatial information technology, the smart agricultural insurance system realizes the disaster assessment, survey, damage determination and risk prediction of agricultural insurance; combining big data, intelligent Internet of Things technology and cloud computing technology, it realizes agricultural insurance big data analysis, trend prediction and business Economic benefit, determination of odds, identification of disaster-prone areas; smart agricultural insurance system provides accurate and fast underwriting for agricultural insurance, accurate quantification of claims, scientific risk prediction, timely monitoring of disasters, and scientific business management, with strong basis and high accuracy , Wide monitoring range, to provide support for insurance companies to improve efficiency, reduce costs, and scientific management.
2. Technical application
2.1. System architecture system
The smart agricultural insurance system is divided into five layers, which are the data collection layer, data center, platform service layer, application layer, and client display.
Data collection layer: use aviation Remote sensing, satellite Remote sensing, UAV Remote sensing, etc. to obtain Remote sensing data, and use handheld devices, sensors, etc. to obtain real-time business data or monitoring data. The data center includes basic geographic information spatial database, system framework database, agricultural insurance business spatial database, agricultural insurance attribute database, file storage system, etc., through the database driver, spatial database engine, GIS distribution server, to provide business application layer, platform support layer Database call and service interface to realize data access, access and management. Platform service layer: As the cornerstone of system operation, it provides basic architecture, data analysis services, spatial information services, etc. for business applications, monitors and manages system and data access, and ensures the normal operation of the system. Application layer: Responsible for business implementation, business management, and business analysis, and provides functions such as enquiry, analysis, display, monitoring, and audit of agricultural insurance business for insurance personnel, business personnel, and management personnel. Client layer: the ultimate display platform, currently supports mobile, PC, large screen and other terminal devices.
2.2. Application of spatial information technology
Spatial information technology is composed of geographic information technology, Remote sensing technology, and spatial positioning technology. It combines spatial information technology with agricultural insurance business to achieve disaster assessment, survey and damage assessment, and risk prediction of agricultural insurance, so that it is strong and accurate. High degree and wide monitoring range.
Remote sensing technology: Obtain Remote sensing data such as image, color infrared, hyperspectral, point cloud and other Remote sensing data through aviation Remote sensing, satellite Remote sensing, UAV Remote sensing, etc., and analyze the Remote sensing data through Remote sensing interpretation technology, and carry out qualitative and quantitative analysis of the disaster situation , Damage determination, etc. Remote sensing technology: Obtain Remote sensing data such as image, color infrared, hyperspectral, point cloud and other Remote sensing data through aviation Remote sensing, satellite Remote sensing, UAV Remote sensing, etc., and analyze the Remote sensing data through Remote sensing interpretation technology, and carry out qualitative and quantitative analysis of the disaster situation , Damage determination, etc.
Geographical Information Technology: Use geographic information data such as administrative division data, plot data, farmer distribution, planting structure, meteorological data, etc. to achieve accurate underwriting, disaster analysis, and evidence-based support through spatial analysis, spatial computing and other geographic information technologies.
Spatial positioning technology: use Beidou positioning, or GPS positioning, to obtain the position of business personnel and insured personnel, and provide location data for spatial analysis.
2.3. Agricultural Insurance Big Data Platform
The agricultural insurance big data platform relies on cloud computing technology, big data technology, spatial information technology, AloT intelligent Internet of Things technology, through resource distribution data, impact factor data, and real-time monitoring data to realize agricultural insurance big data analysis, trend prediction, and business economy. Benefits, determination of odds, identification of disaster-prone areas, etc., provide a scientific basis for agricultural insurance.
3. Business system
3.1. Online underwriting
The traditional underwriting model was changed to online underwriting. The business staff first selected the parcels, automatically obtained the farmer information corresponding to the parcels, and the underwriting situation over the years, and through intelligent scanning technology, the ID card information verification, bank card information recognition, through the customer One-click upload of underwriting information to generate an electronic policy; after the electronic policy is obtained, the auditors retrieve online information such as image data, historical conditions, and risk prediction results to assist in the audit, which improves work efficiency and enhances the accuracy of business information.
3.2. Precise claims
Farmers apply for claims independently through the mobile terminal. The insurance company focuses on internal inspections and supplements with external inspections. The agricultural insurance claims process is supplemented to achieve accurate quantification of claims. First, according to the comparison of image data in different periods, the area of damaged plots is automatically identified and extracted, the area is automatically calculated, the degree of damage is determined online, and insurance compensation is automatically generated; secondly, the location of the affected location is pushed through the mobile terminal, the degree of damage is confirmed on site, and finally obtained The farmer ’s insurance coverage image and insurance information automatically generate a claim form.
When a large-scale disaster occurs, through the analysis of Remote sensing images such as true color and color infrared, it can quickly calculate the degree of disaster, the scope of the disaster, the number of affected households, and the prediction of the amount of claims to provide data support for insurance companies to make rapid decisions.
3.3. Business monitoring
The business monitoring system, through the big data monitoring platform, conducts real-time monitoring and statistical analysis of the company's business throughout the process, and related management leaders can view the business distribution, progress and detailed information in a timely manner. The company headquarters can real-time understand the distribution and progress of the agricultural insurance business in the whole region, understand the number of businesses in each region, the claim rate, the ranking of each region, and emergency monitoring. You can see the summary of regional information, the distribution of agricultural insurance, the number of agricultural insurance business, the development of business personnel, and the progress of emergency response in each area. Business personnel can see the relevant business acceptance status, business quantity, business ranking, and emergency warning.
3.4. Risk monitoring
Through the analysis of Remote sensing images such as true color, color infrared, etc., through the comparison of data over the years, through the spatial analysis of influencing factors, the predicted values of agricultural disaster risk in different regions are obtained, and through regular Remote sensing images and monitoring of influencing factors, according to the occurrence or reduction of risk The situation provides a scientific basis for the insurance management of insurance companies.
1) Green seedling stage
True color satellite images are mainly used, and aerial images are supplemented, mainly used to confirm the area of crops insured.
2) Heading, flowering, flower bell period
True color satellite imagery is the main, hyperspectral imagery and Aerial imagery are supplemented to confirm crop care and growth, and crop yield assessment.
3) Meteorological and hydrological data
According to real-time meteorological and hydrological monitoring, determine the degree of impact on plant growth, and predict the growth trend of plants to achieve risk monitoring.
4) Historical data
Obtain historical data in different periods, and through analysis of historical data, obtain the influencing factors that need attention and areas prone to disasters, and carry out key monitoring.
3.5. Spatiotemporal analysis
Spatio-temporal analysis provides business decision-making technical support for insurance companies through various methods such as close year analysis, underwriting business analysis, influencing factor analysis, and high-quality customer analysis.
Similar year analysis, according to the spatial comparison of historical data and current information data, find similar years, and export the analysis results of the disaster situation and claim rate for that year.
Underwriting business analysis, based on regional year-on-year and month-on-month underwriting business data analysis, the business space growth trend and the spatial distribution of business claim rates are obtained.
Influencing factor analysis, based on real-time meteorological and hydrological data such as influencing factors and related historical data combined with spatial distribution, carry out spatial prediction of influencing factors, and predict the spatial distribution of annual disaster probability through the predicted data.
High-quality customer analysis, analyzing and acquiring high-quality customers through the historical data of farmers insured and real-time monitoring status.
3.6. Public service
The public service is mainly aimed at the insured farmers, guarantees the farmers ’right to know and participate, and provides technical support for the farmers to arrange production.
Insured farmers can easily query underwriting claims through mobile apps or the Internet. Through the disclosure of agricultural insurance clauses, insurance claims procedures, agricultural benefit policies, and regulatory requirements, farmers ’awareness of agricultural insurance is improved. Provide meteorological information, agricultural time, agricultural technology, market prices and other information in a timely manner to guide farmers in disaster prevention and mitigation, and rationally arrange production.
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