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A crop yield reduction claim settlement method and system

A crop and yield technology, applied in data processing applications, biological neural network models, finance, etc., can solve the problem of low accuracy of claims, and achieve the effect of improving the efficiency and accuracy of claims

Active Publication Date: 2019-05-28
CHINA PING AN PROPERTY INSURANCE CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The purpose of the present invention is to overcome the deficiencies of the prior art, provide a method and system for crop production reduction claims settlement, and solve the problem of low accuracy of claims in the current claim settlement methods

Method used

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  • A crop yield reduction claim settlement method and system
  • A crop yield reduction claim settlement method and system
  • A crop yield reduction claim settlement method and system

Examples

Experimental program
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Effect test

Embodiment 1

[0184] Example 1. At the beginning of 2018, most areas of Qianwei County, Leshan City, Sichuan Province encountered a relatively severe drought, which had a negative impact on the production of rapeseed. Rapeseed agricultural insurance in some areas of Qianwei County is underwritten by our insurance company. There are 18 townships in the insurance company's insured area, mainly located in the east of the Minjiang River. In the stage of insurance claims, the degree of rapeseed production reduction is a key basis for claims. Accurately grasping the extent of the disaster, according to the conventional statistical method of rapeseed production, requires a lot of labor costs, and the statistical results are also affected by various uncertainties such as human interference, which weakens the reliability and accuracy of the results .

[0185] The project team, together with colleagues from the third-level institutions and the staff of the township government, conducted a preliminar...

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Abstract

The invention discloses a crop yield reduction claim settlement method and system. The method comprises the following steps of a data acquisition step of acquiring a satellite image of a vegetation planting area through a satellite remote sensing sensor; and a data center processing and calculating step of analyzing and processing the received satellite image to obtain the data information of thevegetation planting area, and further calculating the yield information and the claim settlement information of each vegetation index level in each vegetation area. By analyzing and processing the satellite image to obtain the distribution information of a vegetation planting area and a vegetation index, calculating the yield of the vegetation, obtaining a yield reduction proportion according to comparison with historical data, and matching a corresponding claim settlement rate according to the yield reduction proportion, the manual calculation is not needed, and the claim settlement efficiency and the accuracy are improved.

Description

technical field [0001] The invention relates to a claim settlement method and system, in particular to a crop production reduction claim settlement method and system. Background technique [0002] With the development of society, more and more people realize the importance of insurance. Most of the insurances are insured for themselves or their families; however, there are also some special insurance policies, such as insuring the output of their own crops, Guaranteed that if encountering natural disasters, the yield of crops (such as rapeseed) will drop sharply and cause great economic losses. [0003] In the stage of insurance claims, the degree of rapeseed production reduction is a key basis for claims. Accurately grasping the degree of disaster damage is an important data proof for subsequent claims settlement. Therefore, how to determine a reasonable claim settlement method based on the degree of damage to rapeseed production in each planting area is a problem that nee...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/08G06K9/00G06K9/62G06N3/04
CPCY02A40/10
Inventor 姚廷尉高青山
Owner CHINA PING AN PROPERTY INSURANCE CO LTD
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