Risk control method based on land parcel insurance claim settlement

Abstract

The invention discloses a risk control method based on land parcel underwriting claim settlement. The method comprises the following steps: S1) providing basic GPS positioning and land parcel sketching functions on a base map; s2) storing historical underwriting information corresponding to the historical delineated plot in a sub-table manner, and providing a function of searching insurance slip, a peasant household name and insurance start time of the insurance slip; s3) summarizing and displaying the historical land parcels on a map by taking administrative divisions as dimensions, and providing land parcel searching and crop map layer screening functions; and S4) providing a label verification scene and a survey scene. According to the risk control method based on land parcel underwriting and claim settlement provided by the invention, land parcel verification and storage search of corresponding historical underwriting information are provided, risk management and control can be performed on insurance and claim settlement land parcels, and the insurance risk is greatly reduced.

Description

Technical Field

[0001] The present invention relates to a claim risk control method, and in particular to a risk control method based on land plot underwriting and claim settlement. Background Art

[0002] The existing plot delineation tools use public maps such as Tiandi Map as the base map, and provide functions such as dot delineation, cross delineation, and positioning, which allow businesses to delineate the plots for insurance and claims on the base map. However, for scenarios such as different policies for the current year and renewal policies for the next year, businesses need to repeat the delineation every time, resulting in loss of time and manpower. It can be seen that the existing plot delineation tools cannot reuse or edit historical plots, let alone search for plots, so businesses need to repeat the delineation operation, which increases labor costs.

[0003] In addition, due to the lack of unified storage and use of land plots and the lack of land verification, it is impossible to conduct further risk control on policy insured and claim settlement plots, which leads to problems such as insurance risks. Summary of the invention

[0004] The technical problem to be solved by the present invention is to provide a risk control method based on land parcel underwriting and claims settlement, provide land parcel verification and storage and search of corresponding historical underwriting information, and be able to perform risk control on policy insured and claims settlement land parcels, thereby greatly reducing insurance risks.

[0005] The technical solution adopted by the present invention to solve the above-mentioned technical problems is to provide a risk control method based on land parcel underwriting and claims settlement, comprising the following steps: S1) providing basic GPS positioning and land parcel delineation functions on a base map; S2) storing historical underwriting information corresponding to historically delineated land parcels in separate tables, and providing search functions for insurance applications, farmer names and policy start times; S3) summarizing and displaying historical land parcels on a map based on administrative divisions, and providing land parcel search and crop layer screening functions; S4) providing verification scenes and survey scenes.

[0006] Furthermore, the historically outlined plots include plots pushed by third-party institutions, historically insured plots of e-agricultural insurance, and historically insured plots of the target database.

[0007] Furthermore, the historical underwriting information includes farmer information and policy information, and step S2 also saves the transfer information on the historically delineated plots.

[0008] Furthermore, the step S3 renders the colors of the plots according to the crops on the different plots.

[0009] Furthermore, the step S3 takes the four-boundary coordinates displayed on the mobile phone screen as a reference, and directly loads the plots within the four-boundary coordinate area. When the user drags the base map, the new plots corresponding to the changes in the four-boundary information continue to be loaded, and the plots outside the four-boundary information range are deleted from the mobile phone memory.

[0010] Furthermore, the verification scenario includes: obtaining the GIS vector information of the land parcel to be submitted selected by the user, generating the four-boundary coordinates of the GIS vector information, finding all the land parcels of the issued policies or the current insurance policy within the four-boundary coordinate area, comparing the GIS coordinates of these land parcels with the GIS coordinates of the land parcel to be submitted one by one, and determining whether there is an intersection, and obtaining the overlap ratio by calculating the area of ​​the overlapping part and dividing it by the area of ​​the land parcel to be submitted; if the overlap ratio is greater than a preset threshold, a prompt is given or the user's operation is forcibly controlled.

[0011] Furthermore, the survey scenario includes: cross-comparing the outlined survey plot with the verified plot, and calculating the excess ratio based on the part of the verified plot outside the survey plot; if the excess ratio is greater than a preset threshold, prompting or forcibly controlling the user's operation.

[0012] Furthermore, the base map is a world map, and step S1 provides dot marking and cross marking.

[0013] Compared with the prior art, the present invention has the following beneficial effects: the risk control method based on plot underwriting and claims settlement provided by the present invention, on the basis of replicating all the functions of the original tool, optimizes the UI, outlining operations, plot data storage, etc., and provides new functions such as new plot reuse identification and verification of plot overlap rate. BRIEF DESCRIPTION OF THE DRAWINGS

[0014] Figure 1 This is a risk control flow chart of the present invention based on land plot underwriting and claims settlement. DETAILED DESCRIPTION

[0015] The present invention will be further described below in conjunction with the accompanying drawings and embodiments.

[0016] Figure 1 This is a risk control flow chart for land-based underwriting and claims settlement.

[0017] See also Figure 1The risk control method based on land parcel insurance and claims provided by the present invention not only provides basic GPS positioning and plot delineation functions, but also stores historical plot delineation and maintained insurance policies and farmer data in separate tables, and summarizes and displays historical plots on the map based on administrative divisions, so that businesses can see the historical insured plots in this area. The tool also provides searches such as insurance application forms, farmer names, and policy start times, and layer screening such as plot sources and crops, so that businesses can more easily find plots that need to be reused.

[0018] Verification scenario:

[0019] 1. The present invention will further synchronize the core policy issuance status with the backend automatically based on the policy number at the time of bid verification and the policy data issued by the core.

[0020] 2. When the newly submitted plot overlaps with an already issued plot, the area of ​​the intersection will be divided by the area of ​​the selected plot to be submitted, and the result will be compared with the preset area overlap threshold, and prompts or forced controls will be given based on the results.

[0021] Survey scene:

[0022] The present invention will cross-compare the outlined survey plot with the verified plot, calculate the excess ratio based on the part of the verified plot outside the survey plot, and give a prompt or perform forced control according to the preset configuration.

[0023] The present invention establishes a sub-table storage mechanism for plot targets, which can store plots pushed by third-party institutions, historically insured plots of e-agricultural insurance, and historically insured plots of the target database according to administrative divisions. In addition, multiple information (including farmer information, insurance policy information, etc.) can be stored and maintained for a single plot, thereby ensuring the preservation of the circulation information and historical insurance information on the plot, laying a data foundation for subsequent search functions.

[0024] In addition to the conventional plot outlining function on the tool interface, the tool of the present invention innovatively provides multi-dimensional plot search and layer screening functions, and displays different results on the tool map; and can render the plot color according to the crops on different plots.

[0025] The present invention has made special processing on the loading of plots. Since there may be tens of thousands of plots in a town or even a village, if all of them are loaded into the mobile phone interface directly, it will inevitably cause lag or even tool crash. In order to cope with this situation, the front end of this tool will use the boundary information displayed on the mobile phone screen as a benchmark, and directly load the plots within the four-boundary area. When the user drags the base map (that is, the boundary information changes), new plots are loaded in the same way, and the front end will delete the plots outside the boundary information range in the mobile phone memory to prevent memory overflow.

[0026] The present invention aims at the cross-plot verification function. The system obtains the GIS vector information of the plot to be submitted selected by the user, automatically generates the four-dimensional information of the GIS vector information, finds all the plots of the issued insurance policy or the current insurance policy within the four-dimensional coordinate range, and compares the GIS coordinates of these plots with the GIS coordinates of the plot to be submitted one by one to determine whether these plots intersect with the plot to be submitted, and obtains the overlap ratio by calculating the area of ​​the overlapping part divided by the area of ​​the plot to be submitted. Finally, according to the preset threshold value, it is determined on the interface whether to prompt or force the user to operate this time.

[0027] Although the present invention has been disclosed as above with preferred embodiments, it is not intended to limit the present invention. Any person skilled in the art may make some modifications and improvements without departing from the spirit and scope of the present invention. Therefore, the scope of protection of the present invention shall be based on the definition of the claims.

Claims

1. A risk control method based on land underwriting and claims settlement, characterized in that: The steps include: S1) Provide basic GPS positioning and plot drawing functions on the base map; S2) storing the historical insurance information corresponding to the historically delineated plots in separate tables, and providing a search function for the insurance application form, farmer's name and policy start time; S3) The historical plots are summarized and displayed on the map based on administrative divisions, and the plot search and crop layer screening functions are provided; S4) provides verification and survey scenarios.

2. The risk control method based on land underwriting and claim settlement as claimed in claim 1, characterized in that: The historically outlined plots include plots pushed by third-party institutions, historically insured plots of e-agricultural insurance, and historically insured plots of the target database.

3. The risk control method based on land plot underwriting and claim settlement as claimed in claim 1, characterized in that: The historical insurance information includes farmer information and policy information, and step S2 also saves the transfer information on the historically delineated plots.

4. The risk control method based on land underwriting and claim settlement as claimed in claim 1, characterized in that: The step S3 renders the colors of the plots according to the crops on the different plots.

5. The risk control method based on land underwriting and claim settlement as claimed in claim 1, characterized in that: The step S3 takes the four-boundary coordinates displayed on the mobile phone screen as a reference, and directly loads the plots within the four-boundary coordinate area. When the user drags the base map, the new plots corresponding to the changes in the four-boundary information continue to be loaded, and the plots outside the four-boundary information range are deleted from the mobile phone memory.

6. The risk control method based on land plot underwriting and claim settlement as claimed in claim 1, characterized in that: The verification scenario includes: obtaining the GIS vector information of the land parcel to be submitted selected by the user, generating the four-boundary coordinates of the GIS vector information, finding all the land parcels of the issued policies or the current insurance policy within the four-boundary coordinate area, comparing the GIS coordinates of these land parcels with the GIS coordinates of the land parcel to be submitted one by one, and determining whether there is an intersection, and obtaining the overlap ratio by calculating the area of ​​the overlapping part of the intersection and dividing it by the area of ​​the land parcel to be submitted; if the overlap ratio is greater than a preset threshold, a prompt is given or the user's operation is forcibly controlled.

7. The risk control method based on land underwriting and claim settlement as claimed in claim 1, characterized in that: The survey scenario includes: cross-comparing the outlined survey plot with the verified plot, and calculating the excess ratio based on the part of the verified plot outside the survey plot; if the excess ratio is greater than a preset threshold, prompting or forcibly controlling the user's operation.

8. The risk control method based on land plot underwriting and claim settlement as claimed in claim 1, characterized in that: The base map is a sky map, and the step S1 provides dot-marking and cross-marking.

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