Claim settlement processing method and device, computer equipment and storage medium

Abstract

The invention belongs to the technical field of artificial intelligence, relates to a claim settlement processing method and device, computer equipment and a storage medium, is applied to the field of financial science and technology, and comprises the following steps: receiving an agricultural insurance claim settlement request sent by a client, and extracting case report information of a claim settlement case from the agricultural insurance claim settlement request; performing matching processing on the case report information to generate a case type result of the claim settlement case; if the case type result is a small case, establishing a video communication connection with the client; determining claim settlement picture information required by the claim settlement case, and prompting the client to upload a claim settlement picture corresponding to the claim settlement picture information; if the claim settlement picture passes the validity verification, performing document generation on the claim settlement picture to obtain an electronic document; performing loss assessment processing on the electronic document based on a loss assessment strategy to obtain a loss assessment result; and returning a loss assessment result to the client. In addition, the loss assessment result can be stored in the block chain. The claim settlement processing efficiency is improved, and the accuracy of the obtained loss assessment result is ensured.

Description

Technical Field

[0001] The present application relates to the field of artificial intelligence development technology and financial technology, and in particular to claims processing methods, devices, computer equipment and storage media. Background Art

[0002] In the field of agricultural insurance, with the large-scale and intensive development of agricultural production and the gradual increase in the penetration rate of commercial insurance, the business volume and complexity of the agricultural insurance market have increased significantly. Especially in recent years, the frequent occurrence of extreme weather events caused by global climate change, such as droughts, floods and other natural disasters, has caused an unprecedented impact on agricultural production, which has led to a sharp increase in the number of agricultural disaster cases. This trend not only tests the risk resistance of the agricultural insurance system, but also puts higher requirements on the efficiency and accuracy of insurance claims services.

[0003] In the traditional agricultural insurance claims process, on-site inspection and loss assessment are indispensable key links. However, faced with the seasonal peak of agricultural insurance claims, the wide geographical distribution and the surge in the number of cases, the traditional "one-size-fits-all" on-site inspection model has the following significant problems: 1. High processing costs: Frequent on-site inspections not only increase manpower and material costs, but may also indirectly increase overall operating costs due to the long-term occupation of claims resources. 2. The accuracy of loss assessment is difficult to guarantee: Due to the large number of cases and their wide distribution, on-site inspections may be affected by a variety of external factors (such as weather, traffic, etc.), and the complexity of loss assessment of crops, livestock and poultry makes it difficult to effectively guarantee the accuracy of loss assessment. Therefore, the existing agricultural insurance claims processing methods have the problems of high processing costs and difficulty in guaranteeing the accuracy of loss assessment. Summary of the invention

[0004] The purpose of the embodiments of the present application is to propose a claims processing method, apparatus, computer equipment and storage medium to solve the technical problems of the existing agricultural insurance claims processing methods, such as high processing costs and difficulty in ensuring the accuracy of damage assessment.

[0005] In order to solve the above technical problems, the present application embodiment provides a claims processing method, which adopts the following technical solutions:

[0006] Receive the agricultural insurance claim settlement request sent by the client, and extract the report information of the claim settlement case from the agricultural insurance claim settlement request;

[0007] Matching the case report information based on preset case analysis rules to generate a case type result corresponding to the claim case;

[0008] If the case type result is a minor case, establishing a video communication connection with the client;

[0009] Determine the claim picture information required for the claim case, and prompt the client to upload the claim picture corresponding to the claim picture information;

[0010] Performing validity verification on the claim pictures;

[0011] If the claim picture passes the validity check, the claim picture is processed for document generation to obtain a corresponding electronic document;

[0012] Performing damage assessment on the electronic document based on a preset damage assessment strategy to obtain a corresponding damage assessment result;

[0013] The damage assessment result is returned to the client.

[0014] Furthermore, the step of matching the case report information based on the preset case analysis rules to generate a case type result corresponding to the claim case specifically includes:

[0015] Obtaining the loss amount, damage type and accident location from the report information;

[0016] Determining whether the loss amount is less than a preset amount threshold;

[0017] If the loss amount is less than the amount threshold, determining whether the quantity of the damaged type is less than a preset quantity;

[0018] If the number of the damaged types is less than the preset number, determining whether the accident location meets the preset easy-to-reach condition;

[0019] If the accident location meets the easy-to-reach condition, a case type result corresponding to the claim case is generated as a small and micro case, otherwise a case type result corresponding to the claim case is generated as a non-small and micro case.

[0020] Furthermore, the step of verifying the validity of the claim picture specifically includes:

[0021] Performing duplicate detection on the claim pictures;

[0022] If the claim picture passes the repeated detection, blur recognition is performed on the claim picture to determine whether the blurriness of the claim picture exceeds a preset blur threshold;

[0023] If the blurriness does not exceed the blur threshold, performing content detection on the claim picture to determine whether the claim picture contains irrelevant information;

[0024] If the claim picture does not contain irrelevant information, it is determined that the claim picture has passed the validity check, otherwise it is determined that the claim picture has not passed the validity check.

[0025] Furthermore, the step of performing document generation processing on the claim settlement image to obtain a corresponding electronic document specifically includes:

[0026] Call the pre-trained document classification model;

[0027] Classify the claim pictures based on the document classification model to obtain corresponding document classification results;

[0028] Based on the document classification result, the claim picture is processed to add a document category to obtain a corresponding first document;

[0029] Performing anti-counterfeiting processing on the first document to obtain a processed second document;

[0030] The second document is used as the electronic document.

[0031] Furthermore, the step of performing anti-counterfeiting processing on the first document to obtain the processed second document specifically includes:

[0032] Obtaining a timestamp corresponding to the claim picture;

[0033] Adjusting the format of the timestamp to obtain a corresponding target timestamp;

[0034] Get the preset watermark content;

[0035] Performing content addition processing on the first document based on the target timestamp and the watermark content to obtain a processed first document;

[0036] The processed first document is used as the second document.

[0037] Furthermore, after the step of verifying the validity of the claim settlement image, the method further includes:

[0038] If the claim picture fails the validity check, the claim picture is deleted;

[0039] Generate invalid reason information corresponding to the claim picture;

[0040] Get preset picture shooting guidance information;

[0041] The invalid reason information and the picture shooting guidance information are sent to the client.

[0042] Furthermore, after the step of returning the damage assessment result to the client, the method further includes:

[0043] Receiving feedback information returned by the client based on the damage assessment result;

[0044] If the feedback information indicates agreement, the claim case is paid based on the damage assessment result;

[0045] After completing the claim payment processing for the claim case, updating the case mark of the claim case;

[0046] Obtaining claims information corresponding to the claims case;

[0047] The claim settlement information is stored and processed.

[0048] In order to solve the above technical problems, the embodiment of the present application further provides a claims processing device, which adopts the following technical solution:

[0049] An extraction module, used to receive the agricultural insurance claim settlement request sent by the client, and extract the reporting information of the claim settlement case from the agricultural insurance claim settlement request;

[0050] A first generating module is used to match the case report information based on a preset case analysis rule to generate a case type result corresponding to the claim case;

[0051] A connection module, used for establishing a video communication connection with the client if the case type result is a minor case;

[0052] A determination module, used to determine the claim picture information required for the claim case, and prompt the client to upload the claim picture corresponding to the claim picture information;

[0053] A verification module, used to verify the validity of the claim picture;

[0054] A second generating module is used for, if the claim picture passes the validity check, performing document generation processing on the claim picture to obtain a corresponding electronic document;

[0055] A damage assessment module, used to perform damage assessment processing on the electronic document based on a preset damage assessment strategy to obtain a corresponding damage assessment result;

[0056] The return module is used to return the damage assessment result to the client.

[0057] In order to solve the above technical problems, the embodiment of the present application further provides a computer device, which adopts the following technical solution:

[0058] Receive the agricultural insurance claim settlement request sent by the client, and extract the report information of the claim settlement case from the agricultural insurance claim settlement request;

[0059] Matching the case report information based on preset case analysis rules to generate a case type result corresponding to the claim case;

[0060] If the case type result is a minor case, establishing a video communication connection with the client;

[0061] Determine the claim picture information required for the claim case, and prompt the client to upload the claim picture corresponding to the claim picture information;

[0062] Performing validity check on the claim pictures;

[0063] If the claim picture passes the validity check, the claim picture is processed for document generation to obtain a corresponding electronic document;

[0064] Performing damage assessment on the electronic document based on a preset damage assessment strategy to obtain a corresponding damage assessment result;

[0065] The damage assessment result is returned to the client.

[0066] In order to solve the above technical problems, the embodiment of the present application further provides a computer-readable storage medium, which adopts the following technical solution:

[0067] Receive the agricultural insurance claim settlement request sent by the client, and extract the report information of the claim settlement case from the agricultural insurance claim settlement request;

[0068] Matching the case report information based on preset case analysis rules to generate a case type result corresponding to the claim case;

[0069] If the case type result is a minor case, establishing a video communication connection with the client;

[0070] Determine the claim picture information required for the claim case, and prompt the client to upload the claim picture corresponding to the claim picture information;

[0071] Performing validity check on the claim pictures;

[0072] If the claim picture passes the validity check, the claim picture is processed for document generation to obtain a corresponding electronic document;

[0073] Performing damage assessment on the electronic document based on a preset damage assessment strategy to obtain a corresponding damage assessment result;

[0074] The damage assessment result is returned to the client.

[0075] Compared with the prior art, the embodiments of the present application have the following beneficial effects:

[0076] The present application first receives an agricultural insurance claim request sent by a client, and extracts the report information of the claim case from the agricultural insurance claim request; then matches the report information based on a preset case analysis rule, and generates a case type result corresponding to the claim case; if the case type result is a small and micro case, a video communication connection is established with the client; then the claim picture information required for the claim case is determined, and the client is prompted to upload a claim picture corresponding to the claim picture information; subsequently, a validity check is performed on the claim picture; if the claim picture passes the validity check, a document generation process is performed on the claim picture to obtain a corresponding electronic document; further, a damage assessment process is performed on the electronic document based on a preset damage assessment strategy to obtain a corresponding damage assessment result; finally, the damage assessment result is returned to the client. After receiving the agricultural insurance claim request sent by the client, this application will intelligently match the report information through the use of case analysis rules. If the case type of the claim case is detected to be a small case, the corresponding claim picture will be obtained based on the video communication connection, thereby reducing the workload of the claims adjuster for on-site inspections and effectively improving the efficiency of claim picture collection. Later, when it is detected that the claim picture has passed the validity check, the claim picture will be further processed for document generation to obtain the corresponding electronic document, and the electronic document will be automatically evaluated for damage based on the use of the damage assessment strategy, thereby automatically and accurately completing the claim processing for the claim case, effectively improving the efficiency of the claim processing, reducing the processing cost of the claim processing, and ensuring the accuracy of the damage assessment results. BRIEF DESCRIPTION OF THE DRAWINGS

[0077] In order to more clearly illustrate the scheme in the present application, a brief introduction is given below to the drawings required for use in the description of the embodiments of the present application. Obviously, the drawings described below are some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0078] Figure 1 is an exemplary system architecture diagram to which the present application may be applied;

[0079] Figure 2 A flow chart of an embodiment of a claims processing method according to the present application;

[0080] Figure 3 is a schematic structural diagram of an embodiment of a claims processing device according to the present application;

[0081] Figure 4 It is a structural diagram of an embodiment of a computer device according to the present application. DETAILED DESCRIPTION

[0082] Unless otherwise defined, all technical and scientific terms used herein have the same meaning as those commonly understood by technicians in the technical field of the present application; the terms used in the specification of the application herein are only for the purpose of describing specific embodiments and are not intended to limit the present application; the terms "including" and "having" and any variations thereof in the specification and claims of the present application and the above-mentioned drawings are intended to cover non-exclusive inclusions. The terms "first", "second", etc. in the specification and claims of the present application or the above-mentioned drawings are used to distinguish different objects, not to describe a specific order.

[0083] Reference to "embodiments" herein means that a particular feature, structure, or characteristic described in conjunction with the embodiments may be included in at least one embodiment of the present application. The appearance of the phrase in various locations in the specification does not necessarily refer to the same embodiment, nor is it an independent or alternative embodiment that is mutually exclusive with other embodiments. It is explicitly and implicitly understood by those skilled in the art that the embodiments described herein may be combined with other embodiments.

[0084] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the accompanying drawings.

[0085] like Figure 1 As shown, the system architecture 100 may include a terminal device 101, a network 102 and a server 103. The terminal device 101 may be a laptop 1011, a tablet computer 1012 or a mobile phone 1013. The network 102 is used to provide a medium for a communication link between the terminal device 101 and the server 103. The network 102 may include various connection types, such as wired, wireless communication links or optical fiber cables, etc.

[0086] The user can use the terminal device 101 to interact with the server 103 through the network 102 to receive or send messages, etc. Various communication client applications can be installed on the terminal device 101, such as web browser applications, shopping applications, search applications, instant messaging tools, email clients, social platform software, etc.

[0087] The terminal device 101 can be any electronic device with a display screen and supporting web browsing. In addition to the laptop computer 1011, tablet computer 1012 or mobile phone 1013, the terminal device 101 can also be an e-book reader, an MP3 player (Moving Picture Experts Group Audio Layer III), an MP4 (Moving Picture Experts Group Audio Layer IV), a laptop computer, a desktop computer, etc.

[0088] The server 103 may be a server that provides various services, such as a background server that provides support for a web page displayed on the terminal device 101 .

[0089] It should be noted that the claims processing method provided in the embodiment of the present application is generally executed by a server / terminal device, and accordingly, the claims processing apparatus is generally arranged in the server / terminal device.

[0090] It should be understood that Figure 1 The number of terminal devices, networks and servers in the embodiment is only for illustration. Any number of terminal devices, networks and servers may be provided according to implementation requirements.

[0091] Continue to refer Figure 2 , shows a flow chart of an embodiment of the claims processing method according to the present application. According to different requirements, the order of the steps in the flow chart can be changed, and some steps can be omitted. The claims processing method provided in the embodiment of the present application can be applied to any scenario where claims processing is required, and the claims processing method can be applied to products in these scenarios, for example, claims processing in the field of finance and insurance. The claims processing method includes the following steps:

[0092] Step S201, receiving an agricultural insurance claim settlement request sent by a client, and extracting reporting information of the claim settlement case from the agricultural insurance claim settlement request.

[0093] In this embodiment, the electronic device (eg, Figure 1The server / terminal device shown in the figure) can obtain agricultural insurance claims requests through wired connection or wireless connection. It should be noted that the above-mentioned wireless connection methods may include but are not limited to 3G / 4G / 5G connections, WiFi connections, Bluetooth connections, WiMAX connections, Zigbee connections, UWB (ultra wideband) connections, and other wireless connection methods currently known or developed in the future. The executor of this application is specifically a claims processing system, or simply referred to as a system. This application can be applied to claims processing scenarios in the field of agricultural insurance. Farmers can trigger agricultural insurance claims requests by logging into the client of the insurance company's claims processing system, and fill in the report form corresponding to the reported claims case on the client. The report form includes report information, and the report information can at least include the policy number, the location of the accident (which can be accurate to the village / town / street and house number), description of the damage (such as the area of ​​crop damage, the number of livestock deaths, etc.), estimated loss amount, contact information and other basic information.

[0094] Step S202: matching the case report information based on preset case analysis rules to generate a case type result corresponding to the claim case.

[0095] In this embodiment, the above-mentioned specific implementation process of matching the report information based on the preset case analysis rules to generate the case type result corresponding to the claim case will be further described in detail in the subsequent specific embodiments of this application and will not be elaborated in detail here.

[0096] Step S203: If the case type result is a minor case, a video communication connection is established with the client.

[0097] In this embodiment, when the case type is detected as a small case, the system will confirm that a video communication connection with the client is required and establish video communication with the client. The video communication includes the transmission of image data and sound data, so that the farmer at the client can communicate with the claims personnel corresponding to the claims processing system.

[0098] Step S204, determining the claim picture information required for the claim case, and prompting the client to upload the claim picture corresponding to the claim picture information.

[0099] In this embodiment, the claim picture information required for the corresponding claim case can be determined according to the claim rules corresponding to the agricultural insurance. The claim picture information may at least include information such as the logo of the place of danger, the overall picture, the loss picture, the place of danger, etc. Since the present embodiment adopts the method of real-time video communication, after receiving the prompt to upload the claim picture, the client can align the client (mobile phone, tablet computer, driving recorder, etc.) with the claim materials to transmit the corresponding claim pictures to the system in real time. In this way, farmers only need to shoot the video without performing other operations. Therefore, when self-service claims can be made, the operations required for users to upload claim pictures through the client are reduced, and the complexity of farmers' self-service claims is simplified, which is conducive to improving the farmers' user experience.

[0100] Step S205, performing validity verification on the claim settlement image.

[0101] In this embodiment, the specific implementation process of the validity verification of the claim settlement image mentioned above will be further described in detail in subsequent specific embodiments of the present application, and will not be elaborated in detail here.

[0102] Step S206: If the claim picture passes the validity check, the claim picture is processed for document generation to obtain a corresponding electronic document.

[0103] In this embodiment, the specific implementation process of the above-mentioned document generation processing of the claim picture to obtain the corresponding electronic document will be further described in detail in the subsequent specific embodiments of this application, and will not be elaborated in detail here.

[0104] Step S207, performing damage assessment processing on the electronic document based on a preset damage assessment strategy to obtain a corresponding damage assessment result.

[0105] In this embodiment, the process of conducting damage assessment and processing on the electronic documents based on the damage assessment strategy includes: by reviewing the electronic documents received during the video inspection, ensuring the authenticity and integrity of the electronic documents. Then, based on the electronic documents, the value of the damaged crops or livestock is estimated, the loss ratio is calculated, and it is determined whether it falls within the scope of insurance liability, etc., so as to generate the corresponding damage assessment results. In addition, for cases that are considered complex or controversial in the preliminary assessment, specific doubts or controversial points can be further recorded, and handling suggestions can be made, and subsequent on-site re-surveys can be arranged to more intuitively understand the loss situation. In addition, experts in related fields (such as agricultural technology experts, veterinarians, etc.) can also be hired to assist in the assessment to complete the damage assessment and processing of electronic documents and obtain the final damage assessment results.

[0106] Step S208: Return the damage assessment result to the client.

[0107] In this embodiment, after obtaining the damage assessment result, the damage assessment result is returned to the client. After receiving the damage assessment result, the farmer of the client can confirm the damage assessment result and return corresponding feedback information.

[0108] The present application first receives an agricultural insurance claim request sent by a client, and extracts the report information of the claim case from the agricultural insurance claim request; then matches the report information based on a preset case analysis rule, and generates a case type result corresponding to the claim case; if the case type result is a small and micro case, a video communication connection is established with the client; then the claim picture information required for the claim case is determined, and the client is prompted to upload a claim picture corresponding to the claim picture information; subsequently, a validity check is performed on the claim picture; if the claim picture passes the validity check, a document generation process is performed on the claim picture to obtain a corresponding electronic document; further, a damage assessment process is performed on the electronic document based on a preset damage assessment strategy to obtain a corresponding damage assessment result; finally, the damage assessment result is returned to the client. After receiving the agricultural insurance claim request sent by the client, this application will intelligently match the report information through the use of case analysis rules. If the case type of the claim case is detected to be a small case, the corresponding claim picture will be obtained based on the video communication connection, thereby reducing the workload of the claims adjuster for on-site inspections and effectively improving the efficiency of claim picture collection. Later, when it is detected that the claim picture has passed the validity check, the claim picture will be further processed for document generation to obtain the corresponding electronic document, and the electronic document will be automatically evaluated for damage based on the use of the damage assessment strategy, thereby automatically and accurately completing the claim processing for the claim case, effectively improving the efficiency of the claim processing, reducing the processing cost of the claim processing, and ensuring the accuracy of the damage assessment results.

[0109] In some optional implementations, step S202 includes the following steps:

[0110] The loss amount, damage type and accident location are obtained from the report information.

[0111] In this embodiment, the corresponding loss amount, damage type and accident location can be obtained by extracting the above-mentioned report information.

[0112] Determine whether the loss amount is less than a preset amount threshold.

[0113] In this embodiment, there is no specific limit on the selection of the above amount threshold value, which can be set according to actual business usage requirements, for example, it can be set to 8000 yuan. If the estimated loss amount of the reported claim case is below this limit, it will be preliminarily determined that the case may be a small and micro case.

[0114] If the loss amount is less than the amount threshold, it is determined whether the quantity of the damaged types is less than a preset quantity.

[0115] In this embodiment, the preset number is 2. When the damage involves only a single crop (such as only a corn field is damaged) and there is no complex multi-party liability or dispute, the claim case can be regarded as a simple damage type and preliminarily meets the standards of a small and micro case.

[0116] If the number of the damaged types is less than the preset number, it is determined whether the accident location meets the preset easy-to-reach condition.

[0117] In this embodiment, if the description of the accident location in the report is clear and located in the company's preset "low-risk, easily accessible" area (such as near major traffic arteries and farmland without obvious terrain obstacles), the accident location is considered to be clear, which is conducive to quick processing, and then it is determined that the above-mentioned easy-to-reach conditions are met.

[0118] If the accident location meets the easy-to-reach condition, a case type result corresponding to the claim case is generated as a small and micro case, otherwise a case type result corresponding to the claim case is generated as a non-small and micro case.

[0119] In this embodiment, the claim case is judged to be a small and micro case only if it is detected that the loss amount in the report information is less than the preset amount threshold, the damaged types are less than the preset number, and the accident location meets the preset easy-to-reach conditions. Otherwise, the claim case is judged not to be a small and micro case.

[0120] The present application obtains the amount of loss, the type of damage, and the location of the accident from the report information; then determines whether the amount of loss is less than a preset amount threshold; if the amount of loss is less than the amount threshold, determines whether the number of the damaged types is less than a preset number; if the number of the damaged types is less than the preset number, determines whether the location of the accident meets the preset easy-to-reach condition; if the location of the accident meets the easy-to-reach condition, generates a case type result corresponding to the claim case whose content is a small and micro case, otherwise generates a case type result corresponding to the claim case whose content does not belong to a small and micro case. The present application obtains the amount of loss, the type of damage, and the location of the accident from the report information, and then analyzes and processes the amount of loss, the type of damage, and the location of the accident based on the amount threshold, the preset number, and the easy-to-reach condition, so as to accurately generate a case type result corresponding to the claim case, effectively ensuring the accuracy of the obtained case type result.

[0121] In some optional implementations of this embodiment, step S205 includes the following steps:

[0122] The claim pictures are subjected to repeated detection.

[0123] In this embodiment, it is possible to detect whether the newly uploaded claim picture is a duplicate of the existing picture. Specifically, the claim picture can be detected for duplication based on hash value or feature matching, thereby obtaining the corresponding duplication detection result to avoid duplicate uploading of pictures. Among them, the duplication detection result includes: it is a duplicate upload or it is not a duplicate upload. If the duplication detection result is that it is not a duplicate upload, it is determined that the claim picture has passed the duplication detection. If the duplication detection result is that it is a duplicate upload, it is determined that the claim picture has not passed the duplication detection, and then it is directly determined that the claim picture has not passed the validity check.

[0124] If the claim picture passes the repeated detection, blur recognition is performed on the claim picture to determine whether the blurriness of the claim picture exceeds a preset blur threshold.

[0125] In this embodiment, the blurriness of the claim picture can be obtained by using a blur detection algorithm to perform blur recognition on the claim picture. There is no specific limitation on the value of the blur threshold, which can be set according to actual usage requirements. If the blurriness of the claim picture exceeds the blur threshold, it is directly determined that the claim picture has failed the validity check.

[0126] If the blurriness does not exceed the blur threshold, content detection is performed on the claim picture to determine whether the claim picture contains irrelevant information.

[0127] In this embodiment, the machine learning model can be used to identify whether the claim picture contains irrelevant information, which may include advertisements, non-damaged areas, and other information.

[0128] If the claim picture does not contain irrelevant information, it is determined that the claim picture has passed the validity check, otherwise it is determined that the claim picture has not passed the validity check.

[0129] In this embodiment, only when it is detected that the claim picture has passed the duplication detection, blur detection and content detection, will the claim picture be determined to have passed the validity check. If the claim picture contains irrelevant information, it will be directly determined that the claim picture has not passed the validity check.

[0130] This application performs repeated detection on the claim picture; if the claim picture passes the repeated detection, fuzzy recognition is performed on the claim picture to determine whether the blurriness of the claim picture exceeds a preset blur threshold; if the blurriness does not exceed the blur threshold, content detection is performed on the claim picture to determine whether the claim picture contains irrelevant information; if the claim picture does not contain irrelevant information, it is determined that the claim picture has passed the validity check, otherwise it is determined that the claim picture has not passed the validity check. This application performs repeated detection, fuzzy recognition, and content detection on the claim picture to achieve intelligent and accurate completion of the validity check of the claim picture, effectively ensuring the accuracy of the validity check result of the generated claim picture, and ensuring the upload quality and compliance of the claim picture.

[0131] In some optional implementations, step S206 includes the following steps:

[0132] Call the pre-trained document classification model.

[0133] In this embodiment, the construction process of the document classification model includes: pre-collecting a large number of image samples covering different document categories, and these samples are diversified samples to cover various situations that may occur in actual scenarios. Then the collected images are manually annotated to clarify the document category (such as accident proof, loss photo, identity certificate, etc.) to which each image belongs, so as to obtain the supervised learning data necessary for building the model. After that, the images are pre-processed as necessary, including resizing, graying, denoising, binarization, etc., to improve the efficiency and accuracy of subsequent processing. Subsequently, deep learning models such as convolutional neural networks (CNN) are used to automatically extract high-level image features from the pre-processed images. These features should be able to distinguish documents of different categories. And use OCR technology to identify the text content in the image, and use NLP technology (such as word embedding, TF-IDF, etc.) to extract text features. Considering that there may be both image information and text information in the image, a multimodal learning method is adopted, that is, image features and text features are combined, and joint training is performed through a hybrid model. Finally, the hybrid model is trained using the labeled image dataset, and the model parameters are continuously adjusted until a satisfactory classification effect is achieved, thereby obtaining the above-mentioned document classification model.

[0134] The claim pictures are classified based on the document classification model to obtain corresponding document classification results.

[0135] In this embodiment, the claim settlement picture is input into a document classification model, and the claim settlement picture is classified by the document classification model, thereby outputting a corresponding document classification result.

[0136] Based on the document classification result, the claim picture is processed by adding a document category to obtain a corresponding first document.

[0137] In this embodiment, the document classification result is used to perform document category addition processing on the claim picture, thereby completing the document classification processing for the claim picture and obtaining the corresponding first document.

[0138] The first document is subjected to anti-counterfeiting processing to obtain a processed second document.

[0139] In this embodiment, the specific implementation process of performing anti-counterfeiting processing on the first document to obtain the processed second document will be further described in detail in subsequent specific embodiments of the present application and will not be elaborated on here.

[0140] The second document is used as the electronic document.

[0141] In this embodiment, obtaining documents is one of the most important tasks in the claims process, and the document generation can be completed online, which can ensure that the operation is traceable and improve the efficiency of document acquisition, and also facilitate the secondary document supplementation.

[0142] This application calls a pre-trained document classification model; then classifies the claim image based on the document classification model to obtain the corresponding document classification result; then adds the document category to the claim image based on the document classification result to obtain the corresponding first document; then performs anti-counterfeiting treatment on the first document to obtain the processed second document, and uses the second document as the electronic document. This application can quickly and accurately complete the classification of the claim image and generate the corresponding document classification result by using the document classification model; then adds the document category to the claim image according to the document classification result to obtain the corresponding first document, and further performs anti-counterfeiting treatment on the first document to generate the final electronic document, which effectively improves the efficiency of electronic document generation and ensures the data security and accuracy of the obtained electronic document.

[0143] In some optional implementations, performing anti-counterfeiting processing on the first document to obtain a processed second document includes the following steps:

[0144] Get the timestamp corresponding to the claim picture.

[0145] In this embodiment, the current timestamp when the claim settlement image is received, that is, the above-mentioned timestamp, can be obtained by using the system time function, and the timestamp includes the current date and time.

[0146] The format of the timestamp is adjusted to obtain a corresponding target timestamp.

[0147] In this embodiment, the adjustment process refers to converting the acquired timestamp into an easily readable format, such as a “YYYY-MM-DD HH:MM:SS” format, so as to obtain the target timestamp.

[0148] Get the preset watermark content.

[0149] In this embodiment, the watermark content is not specifically limited and can be set according to actual security design requirements. For example, the watermark content may include: "confidential content", "unauthorized copying of this image", etc. Alternatively, a graphic watermark may be used. In addition, the watermark style of the watermark content may be pre-set, including the font, size, color, transparency, rotation angle and other attributes of the watermark as needed.

[0150] The first document is processed by adding content based on the target timestamp and the watermark content to obtain a processed first document.

[0151] In this embodiment, the target timestamp and the watermark content can be added to a specific position in the first document to obtain a processed first document. The selection of the specific position is not specifically limited, for example, it can be the upper left corner of the picture, the middle of the picture, the lower right corner of the picture, etc.

[0152] The processed first document is used as the second document.

[0153] In this embodiment, after generating the second document with the watermark, the display effect of the watermark can be further tested, including clarity, whether the position is accurate, whether it affects reading, etc. The watermark style or code logic can be adjusted according to the test results until the requirements are met.

[0154] The present application obtains the timestamp corresponding to the claim picture and adjusts the format of the timestamp to obtain the corresponding target timestamp; then obtains the preset watermark content; then adds content to the first document based on the target timestamp and the watermark content to obtain the processed first document; and then uses the processed first document as the second document. The present application uses the preset watermark content and obtains the format-adjusted target timestamp corresponding to the claim picture, and then adds content to the first document based on the target timestamp and the watermark content, so as to quickly and accurately complete the anti-counterfeiting processing of the first document to obtain the corresponding second document, which can effectively prevent the second document from being tampered with or forged, and effectively improve the data security of the generated second document.

[0155] In some optional implementations of this embodiment, after step S205, the electronic device may further perform the following steps:

[0156] If the claim picture fails the validity check, the claim picture will be deleted.

[0157] In this embodiment, after detecting that the claim picture fails the validity check, the claim picture can be determined to be an invalid picture, and the invalid picture can be directly removed from the system.

[0158] Generate invalid reason information corresponding to the claim picture.

[0159] In this embodiment, the corresponding invalid reason information can be generated according to the validity check result of the claim picture. Exemplarily, the invalid reason information may include "the picture is blurry, please re-upload" or "the picture is duplicated, please check", etc.

[0160] Get preset picture shooting guidance information.

[0161] In this embodiment, the above-mentioned picture shooting guidance information may at least include recommended shooting angles, lighting conditions, etc., to help farmers take claims pictures that meet the requirements.

[0162] The invalid reason information and the picture shooting guidance information are sent to the client.

[0163] In this embodiment, the invalid reason information and the picture shooting guidance information can be sent to the client by sending a text message or displaying the system interface, so as to convey the reason why the uploaded claim picture is invalid to the farmer and guide the farmer to re-shoot and upload the claim picture.

[0164] If the present application detects that the claim picture fails the validity check, the claim picture will be deleted; then invalid reason information corresponding to the claim picture will be generated; then preset picture shooting guidance information will be obtained; and subsequently the invalid reason information and the picture shooting guidance information will be sent to the client. When the present application detects that the claim picture fails the validity check, it will intelligently generate invalid reason information corresponding to the claim picture, obtain preset picture shooting guidance information, and then send the invalid reason information and the picture shooting guidance information to the client, so that the reason why the uploaded claim picture is invalid can be automatically and promptly communicated to the farmer, and the farmer can be guided to reshoot and upload the claim picture, which helps to ensure that the quality of the pictures uploaded by the farmer is effectively controlled, which is beneficial to improving the efficiency and accuracy of the claims processing, and can improve the farmer's user experience.

[0165] In some optional implementations of this embodiment, after step S208, the electronic device may further perform the following steps:

[0166] Receive feedback information returned by the client based on the damage assessment result.

[0167] In this embodiment, the content of the feedback information may include agreement or objection.

[0168] If the feedback information indicates agreement, the claim payment process will be conducted on the claim case based on the damage assessment result.

[0169] In this embodiment, after determining that the farmer agrees with the above damage assessment result, the damage assessment result can be further submitted to the review department for review and confirmation. After the review is passed, the compensation amount corresponding to the claim case is calculated according to the insurance terms. The compensation is paid to the farmer through bank transfer or other methods, and a claim notice is sent at the same time, thereby completing the claim payment processing for the claim case.

[0170] After completing the claim payment processing for the claim case, the case mark of the claim case is updated.

[0171] In this embodiment, after the claim payment processing for the claim case is completed, the system automatically marks the claim case as closed. After the case is closed, the claim case will no longer be in the processing flow, but can be queried and audited at any time.

[0172] Obtain the claim information corresponding to the claim case.

[0173] In this embodiment, the above-mentioned claim information refers to all claim information related to the case, which may at least include video records, screenshots, damage assessment reports, claim notices, payment vouchers, etc. The claim information is sorted to ensure its integrity and orderliness.

[0174] The claim settlement information is stored and processed.

[0175] In this embodiment, the organized claims information is archived and stored in accordance with the company's file management regulations. Classification and numbering, indexing, etc. are performed during the archiving process to facilitate quick query and retrieval in the future. The archived information should be properly kept to prevent loss or damage. In addition, the archived claims information can be audited and inspected regularly to ensure the compliance of the claims process and the integrity of the information. Problems found during the audit and inspection process should be handled in a timely manner and recorded.

[0176] This application receives feedback information returned by the client based on the damage assessment result; if the feedback information is in agreement, the case mark of the claim case is updated; then the claim information corresponding to the claim case is obtained; and the claim information is subsequently stored and processed. If this application detects that the feedback information returned by the client based on the damage assessment result is in agreement, it will automatically and intelligently process the claim payment for the claim case based on the damage assessment result, thereby improving the efficiency of the claim payment processing for the claim case. And after completing the claim payment processing for the claim case, the case mark of the claim case is updated to ensure the accuracy of the case mark of the claim case. The claim information corresponding to the claim case will also be stored and processed later for future query and audit.

[0177] In some optional implementations, the user information obtained is subject to the user's consent and complies with relevant laws and policies.

[0178] In addition, the non-Company software tools or components that appear in the embodiments of the present application are merely examples and do not represent actual use.

[0179] It should be understood that the order of execution of the steps in the above embodiment does not necessarily mean the order of execution. The execution order of each process should be determined by its function and internal logic, and should not constitute any limitation on the implementation process of the embodiment of the present invention.

[0180] It should be emphasized that in order to further ensure the privacy and security of the above-mentioned damage assessment results, the above-mentioned damage assessment results can also be stored in a blockchain node.

[0181] The blockchain referred to in this application is a new application model of computer technologies such as distributed data storage, peer-to-peer transmission, consensus mechanism, encryption algorithm, etc. Blockchain is essentially a decentralized database, a string of data blocks generated by cryptographic methods. Each data block contains a batch of network transaction information, which is used to verify the validity of its information (anti-counterfeiting) and generate the next block. Blockchain can include the underlying blockchain platform, platform product service layer, and application service layer.

[0182] The embodiments of the present application can acquire and process relevant data based on artificial intelligence technology. Among them, artificial intelligence (AI) is the theory, method, technology and application system that uses digital computers or machines controlled by digital computers to simulate, extend and expand human intelligence, perceive the environment, acquire knowledge and use knowledge to obtain the best results.

[0183] AI basic technologies generally include sensors, dedicated AI chips, cloud computing, distributed storage, big data processing technology, operation / interaction systems, mechatronics, etc. AI software technologies mainly include computer vision technology, robotics technology, biometrics technology, speech processing technology, natural language processing technology, and machine learning / deep learning.

[0184] Those skilled in the art can understand that all or part of the processes in the above-mentioned embodiments can be implemented by instructing the relevant hardware through computer-readable instructions, and the computer-readable instructions can be stored in a computer-readable storage medium. When the program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, the aforementioned storage medium can be a non-volatile storage medium such as a disk, an optical disk, a read-only memory (ROM), or a random access memory (RAM).

[0185] It should be understood that, although the steps in the flowchart of the accompanying drawings are displayed in sequence as indicated by the arrows, these steps are not necessarily executed in sequence in the order indicated by the arrows. Unless otherwise specified herein, there is no strict order restriction on the execution of these steps, and they can be executed in other orders. Moreover, at least a part of the steps in the flowchart of the accompanying drawings may include multiple sub-steps or multiple stages, and these sub-steps or stages are not necessarily executed at the same time, but can be executed at different times, and their execution order is not necessarily sequential, but can be executed in turn or alternately with other steps or at least a part of the sub-steps or stages of other steps.

[0186] Further references Figure 3 , as a response to the above Figure 2 In order to realize the method shown in the figure, the present application provides an embodiment of a claims processing device, and the device embodiment is Figure 2 Corresponding to the method embodiment shown, the device can be specifically applied to various electronic devices.

[0187] like Figure 3 As shown, the claim processing device 300 described in this embodiment includes: an extraction module 301, a first generation module 302, a connection module 303, a determination module 304, a verification module 305, a second generation module 306, a damage assessment module 307 and a return module 308. Among them:

[0188] The extraction module 301 is used to receive the agricultural insurance claim settlement request sent by the client, and extract the reporting information of the claim settlement case from the agricultural insurance claim settlement request;

[0189] The first generating module 302 is used to match the case report information based on a preset case analysis rule to generate a case type result corresponding to the claim case;

[0190] A connection module 303 is used to establish a video communication connection with the client if the case type result is a small case;

[0191] The determination module 304 is used to determine the claim picture information required for the claim case, and prompt the client to upload the claim picture corresponding to the claim picture information;

[0192] Verification module 305, used to verify the validity of the claim settlement image;

[0193] The second generating module 306 is used to perform document generation processing on the claim picture to obtain a corresponding electronic document if the claim picture passes the validity check;

[0194] The damage assessment module 307 is used to perform damage assessment processing on the electronic document based on a preset damage assessment strategy to obtain a corresponding damage assessment result;

[0195] The return module 308 is used to return the damage assessment result to the client.

[0196] In this embodiment, the operations performed by the above modules or units correspond one-to-one to the steps of the claims processing method in the aforementioned implementation mode, and will not be repeated here.

[0197] In some optional implementations of this embodiment, the first generating module 302 includes:

[0198] The acquisition submodule is used to obtain the loss amount, damage type and accident location from the report information;

[0199] A first judgment submodule is used to judge whether the loss amount is less than a preset amount threshold;

[0200] A second judgment submodule is used to judge whether the number of the damaged types is less than a preset number if the loss amount is less than the amount threshold;

[0201] A third judgment submodule is used to judge whether the accident location meets the preset easy-to-reach condition if the number of the damaged types is less than the preset number;

[0202] A generation submodule is used to generate a case type result corresponding to the claim case as a small and micro case if the accident location meets the easy-to-reach condition, otherwise a case type result corresponding to the claim case as a case type that does not belong to a small and micro case is generated.

[0203] In this embodiment, the operations performed by the above modules or units correspond one-to-one to the steps of the claims processing method in the aforementioned implementation mode, and will not be repeated here.

[0204] In some optional implementations of this embodiment, the verification module 305 includes:

[0205] A detection submodule, used for performing duplicate detection on the claim settlement image;

[0206] A fourth judgment submodule is used for performing blur recognition on the claim picture if the claim picture passes the repeated detection, and judging whether the blurriness of the claim picture exceeds a preset blur threshold;

[0207] a fifth judgment submodule, configured to perform content detection on the claim picture to determine whether the claim picture contains irrelevant information if the blurriness does not exceed the blur threshold;

[0208] The determination submodule is used to determine that the claim picture has passed the validity check if the claim picture does not contain irrelevant information, otherwise, determine that the claim picture has not passed the validity check.

[0209] In this embodiment, the operations performed by the above modules or units correspond one-to-one to the steps of the claims processing method in the aforementioned implementation mode, and will not be repeated here.

[0210] In some optional implementations of this embodiment, the second generating module 306 includes:

[0211] The calling submodule is used to call the pre-trained document classification model;

[0212] A classification submodule, used to classify the claim pictures based on the document classification model to obtain corresponding document classification results;

[0213] An adding submodule, used for performing a document category adding process on the claim settlement image based on the document classification result to obtain a corresponding first document;

[0214] A processing submodule, configured to perform anti-counterfeiting processing on the first document to obtain a processed second document;

[0215] A determination submodule is used to use the second document as the electronic document.

[0216] In this embodiment, the operations performed by the above modules or units correspond one-to-one to the steps of the claims processing method in the aforementioned implementation mode, and will not be repeated here.

[0217] In some optional implementations of this embodiment, the processing submodule includes:

[0218] A first acquisition unit, configured to acquire a timestamp corresponding to the claim settlement image;

[0219] An adjustment unit, configured to adjust the format of the timestamp to obtain a corresponding target timestamp;

[0220] A second acquisition unit, used to acquire preset watermark content;

[0221] an adding unit, configured to perform content adding processing on the first document based on the target timestamp and the watermark content to obtain a processed first document;

[0222] A determination unit is used to use the processed first document as the second document.

[0223] In this embodiment, the operations performed by the above modules or units correspond one-to-one to the steps of the claims processing method in the aforementioned implementation mode, and will not be repeated here.

[0224] In some optional implementations of this embodiment, the claim processing device further includes:

[0225] A deletion module, used for deleting the claim picture if the claim picture fails the validity check;

[0226] A third deletion module, used to generate invalid reason information corresponding to the claim picture;

[0227] A first acquisition module, used to acquire preset picture shooting guidance information;

[0228] A sending module is used to send the invalid reason information and the picture shooting guidance information to the client.

[0229] In this embodiment, the operations performed by the above modules or units correspond one-to-one to the steps of the claims processing method in the aforementioned implementation mode, and will not be repeated here.

[0230] In some optional implementations of this embodiment, the claim processing device further includes:

[0231] A receiving module, used for receiving feedback information returned by the client based on the damage assessment result;

[0232] A payment module, configured to process the claim payment for the claim case based on the damage assessment result if the feedback information indicates that the claim is in agreement;

[0233] An updating module, used for updating the case mark of the claim case after completing the claim payment processing for the claim case;

[0234] A second acquisition module is used to acquire the claim information corresponding to the claim case;

[0235] The storage module is used to store and process the claim data.

[0236] In this embodiment, the operations performed by the above modules or units correspond one-to-one to the steps of the claims processing method in the aforementioned implementation mode, and will not be repeated here.

[0237] To solve the above technical problems, the present application also provides a computer device. Figure 4 , Figure 4 This is a basic structural block diagram of the computer device in this embodiment.

[0238] The computer device 4 includes a memory 41, a processor 42, and a network interface 43 that are interconnected through a system bus. It should be noted that the figure only shows a computer device 4 with components 41-43, but it should be understood that it is not required to implement all the components shown, and more or fewer components can be implemented instead. Among them, those skilled in the art can understand that the computer device here is a device that can automatically perform numerical calculations and / or information processing according to pre-set or stored instructions, and its hardware includes but is not limited to microprocessors, application specific integrated circuits (Application Specific Integrated Circuit, ASIC), programmable gate arrays (Field-Programmable Gate Array, FPGA), digital processors (Digital Signal Processor, DSP), embedded devices, etc.

[0239] The computer device may be a computing device such as a desktop computer, a notebook, a PDA, a cloud server, etc. The computer device may interact with a user through a keyboard, a mouse, a remote controller, a touch pad, or a voice control device.

[0240] The memory 41 includes at least one type of readable storage medium, and the readable storage medium includes flash memory, hard disk, multimedia card, card-type memory (for example, SD or DX memory, etc.), random access memory (RAM), static random access memory (SRAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), programmable read-only memory (PROM), magnetic memory, disk, optical disk, etc. In some embodiments, the memory 41 can be an internal storage unit of the computer device 4, such as a hard disk or memory of the computer device 4. In other embodiments, the memory 41 can also be an external storage device of the computer device 4, such as a plug-in hard disk, a smart memory card (Smart Media Card, SMC), a secure digital (Secure Digital, SD) card, a flash card (FlashCard), etc. equipped on the computer device 4. Of course, the memory 41 can also include both the internal storage unit of the computer device 4 and its external storage device. In this embodiment, the memory 41 is generally used to store the operating system and various application software installed on the computer device 4, such as computer-readable instructions of the claims processing method, etc. In addition, the memory 41 can also be used to temporarily store various types of data that have been output or are to be output.

[0241] The processor 42 may be a central processing unit (CPU), a controller, a microcontroller, a microprocessor, or other data processing chip in some embodiments. The processor 42 is generally used to control the overall operation of the computer device 4. In this embodiment, the processor 42 is used to run computer-readable instructions stored in the memory 41 or process data, such as computer-readable instructions for running the claims processing method.

[0242] The network interface 43 may include a wireless network interface or a wired network interface. The network interface 43 is generally used to establish a communication connection between the computer device 4 and other electronic devices.

[0243] The present application also provides another embodiment, namely, providing a computer-readable storage medium, wherein the computer-readable storage medium stores computer-readable instructions, and the computer-readable instructions can be executed by at least one processor to enable the at least one processor to perform the steps of the claims processing method as described above.

[0244] Through the description of the above implementation methods, those skilled in the art can clearly understand that the above-mentioned embodiment methods can be implemented by means of software plus a necessary general hardware platform, and of course by hardware, but in many cases the former is a better implementation method. Based on such an understanding, the technical solution of the present application, or the part that contributes to the prior art, can be embodied in the form of a software product, which is stored in a storage medium (such as ROM / RAM, magnetic disk, optical disk), and includes a number of instructions for a terminal device (which can be a mobile phone, computer, server, air conditioner, or network device, etc.) to execute the methods described in each embodiment of the present application.

[0245] Obviously, the embodiments described above are only some embodiments of the present application, rather than all embodiments. The preferred embodiments of the present application are given in the accompanying drawings, but they do not limit the patent scope of the present application. The present application can be implemented in many different forms. On the contrary, the purpose of providing these embodiments is to make the understanding of the disclosure of the present application more thorough and comprehensive. Although the present application is described in detail with reference to the aforementioned embodiments, for those skilled in the art, it is still possible to modify the technical solutions recorded in the aforementioned specific implementation methods, or to perform equivalent replacement of some of the technical features therein. Any equivalent structure made using the contents of the specification and drawings of this application, directly or indirectly used in other related technical fields, is similarly within the scope of patent protection of this application.

Claims

1. A method for handling claims, characterized in that: The steps include: Receive the agricultural insurance claim settlement request sent by the client, and extract the report information of the claim settlement case from the agricultural insurance claim settlement request; Matching the case report information based on preset case analysis rules to generate a case type result corresponding to the claim case; If the case type result is a minor case, establishing a video communication connection with the client; Determine the claim picture information required for the claim case, and prompt the client to upload the claim picture corresponding to the claim picture information; Performing validity check on the claim pictures; If the claim picture passes the validity check, the claim picture is processed for document generation to obtain a corresponding electronic document; Performing damage assessment on the electronic document based on a preset damage assessment strategy to obtain a corresponding damage assessment result; The damage assessment result is returned to the client.

2. The claim settlement method according to claim 1, characterized in that: The step of matching the case report information based on the preset case analysis rules to generate a case type result corresponding to the claim case specifically includes: Obtaining the loss amount, damage type and accident location from the report information; Determining whether the loss amount is less than a preset amount threshold; If the loss amount is less than the amount threshold, determining whether the quantity of the damaged type is less than a preset quantity; If the number of the damaged types is less than the preset number, determining whether the accident location meets the preset easy-to-reach condition; If the accident location meets the easy-to-reach condition, a case type result corresponding to the claim case is generated as a small and micro case, otherwise a case type result corresponding to the claim case is generated as a non-small and micro case.

3. The claim processing method according to claim 1, characterized in that: The step of verifying the validity of the claim settlement image specifically includes: Performing duplicate detection on the claim pictures; If the claim picture passes the repeated detection, blur recognition is performed on the claim picture to determine whether the blurriness of the claim picture exceeds a preset blur threshold; If the blurriness does not exceed the blur threshold, performing content detection on the claim picture to determine whether the claim picture contains irrelevant information; If the claim picture does not contain irrelevant information, it is determined that the claim picture has passed the validity check, otherwise it is determined that the claim picture has not passed the validity check.

4. The claim settlement method according to claim 1, characterized in that: The step of performing document generation processing on the claim settlement image to obtain a corresponding electronic document specifically includes: Call the pre-trained document classification model; Classify the claim pictures based on the document classification model to obtain corresponding document classification results; Based on the document classification result, the claim picture is processed to add a document category to obtain a corresponding first document; Performing anti-counterfeiting processing on the first document to obtain a processed second document; The second document is used as the electronic document.

5. The claim settlement method according to claim 4, characterized in that: The step of performing anti-counterfeiting processing on the first document to obtain the processed second document specifically includes: Obtaining a timestamp corresponding to the claim picture; Adjusting the format of the timestamp to obtain a corresponding target timestamp; Get the preset watermark content; Performing content addition processing on the first document based on the target timestamp and the watermark content to obtain a processed first document; The processed first document is used as the second document.

6. The claim processing method according to claim 1, characterized in that: After the step of verifying the validity of the claim settlement image, the method further includes: If the claim picture fails the validity check, the claim picture is deleted; Generate invalid reason information corresponding to the claim picture; Get preset picture shooting guidance information; The invalid reason information and the picture shooting guidance information are sent to the client.

7. The claim processing method according to claim 1, characterized in that: After the step of returning the damage assessment result to the client, the method further includes: Receiving feedback information returned by the client based on the damage assessment result; If the feedback information indicates agreement, the claim case is paid based on the damage assessment result; After completing the claim payment processing for the claim case, updating the case mark of the claim case; Obtaining claims information corresponding to the claims case; The claim settlement information is stored and processed.

8. A claims processing device, characterized in that: include: An extraction module, used to receive the agricultural insurance claim settlement request sent by the client, and extract the reporting information of the claim settlement case from the agricultural insurance claim settlement request; A first generating module is used to match the case report information based on a preset case analysis rule to generate a case type result corresponding to the claim case; A connection module, used for establishing a video communication connection with the client if the case type result is a minor case; A determination module, used to determine the claim picture information required for the claim case, and prompt the client to upload the claim picture corresponding to the claim picture information; A verification module, used to verify the validity of the claim picture; A second generating module is used for, if the claim picture passes the validity check, performing document generation processing on the claim picture to obtain a corresponding electronic document; A damage assessment module, used to perform damage assessment processing on the electronic document based on a preset damage assessment strategy to obtain a corresponding damage assessment result; The return module is used to return the damage assessment result to the client.

9. A computer device, characterized in that: The method comprises a memory and a processor, wherein the memory stores computer-readable instructions, and the processor implements the steps of the claim processing method according to any one of claims 1 to 7 when executing the computer-readable instructions.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer-readable instructions, which, when executed by a processor, implement the steps of the claim processing method according to any one of claims 1 to 7.

Images