Agricultural insurance underwriting method and system, equipment and storage medium

An underwriting and agricultural technology, applied in the field of Internet finance, can solve the problems of time-consuming, labor-intensive and low-efficiency, and achieve the effect of improving efficiency and reducing labor costs.

Pending Publication Date: 2021-09-07
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
View PDF0 Cites 5 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, the above-mentioned manual investigation and evaluation method is time-consuming and labor-intensive, and the efficiency is low.

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • Agricultural insurance underwriting method and system, equipment and storage medium
  • Agricultural insurance underwriting method and system, equipment and storage medium
  • Agricultural insurance underwriting method and system, equipment and storage medium

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0026] Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. It should be understood, however, that these descriptions are exemplary only, and are not intended to limit the scope of the present disclosure. In the following detailed description, for convenience of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the present disclosure. It will be apparent, however, that one or more embodiments may be practiced without these specific details. Also, in the following description, descriptions of well-known structures and techniques are omitted to avoid unnecessarily obscuring the concepts of the present disclosure.

[0027] The terminology used herein is for the purpose of describing particular embodiments only and is not intended to limit the present disclosure. The terms "comprising", "comprising" and the like as used herein indicate the presence o...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to view more

PUM

No PUM Login to view more

Abstract

The invention provides an agricultural insurance underwriting method. The method can be applied to the technical field of finance, and can also be applied to related aspects of micro-service data transmission of big data and distributed technologies. The agricultural insurance underwriting method comprises the following steps: determining a satellite remote sensing image at a planting plot of a current insured user based on insured user information, wherein the satellite remote sensing image comprising a plurality of sub-satellite remote sensing images of crops in different growth cycles in the planting plot; based on the at least one sub-satellite remote sensing image, judging the crop type and the planting area on the planting land parcel; grading the growth vigor of the crop based on the crop variety and the plurality of sub-satellite remote sensing images to obtain the growth vigor grade of the crop; calculating the estimated yield of the crop based on the crop variety, the planting area, the growth vigor grade, the current year meteorological data and the historical yield related data; and determining an underwriting claim settlement standard based on the estimated yield. The invention further provides an agricultural insurance underwriting system, equipment, a storage medium and a program product.

Description

technical field [0001] The present disclosure relates to the field of Internet finance, and more particularly to an agricultural insurance underwriting method, system, device, medium and program product. Background technique [0002] Agricultural insurance is an insurance that provides protection for economic losses caused by natural disasters, accidents, epidemics, diseases and other insurance accidents in the process of planting, forestry, animal husbandry and fishery production. Taking the planting industry as an example, in the operation process of agricultural insurance, it is necessary to underwrite the planting situation of the insured. The existing underwriting method is to use the loan officer to investigate the planting fields of specific farmers to assess the area, growth, and disaster situation of crops, so as to facilitate subsequent claims settlement operations. However, the above-mentioned manual investigation and evaluation method is time-consuming, labor-in...

Claims

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to view more

Application Information

Patent Timeline
no application Login to view more
Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/08G06Q50/02G06K9/00G06Q10/04G06Q10/06
CPCG06Q40/08G06Q50/02G06Q10/04G06Q10/06393
Inventor 于海燕罗涛施佳子肖扬
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
Who we serve
  • R&D Engineer
  • R&D Manager
  • IP Professional
Why Eureka
  • Industry Leading Data Capabilities
  • Powerful AI technology
  • Patent DNA Extraction
Social media
Try Eureka
PatSnap group products

Browse by: Latest US Patents, China's latest patents, Technical Efficacy Thesaurus, Application Domain, Technology Topic.

© 2024 PatSnap. All rights reserved.Legal|Privacy policy|Modern Slavery Act Transparency Statement|Sitemap