Meteorological disaster early warning method and device based on insurance policy object information

Abstract

The invention provides a meteorological disaster early warning method and device based on insurance policy object information. The method comprises the steps of obtaining business data and meteorological disaster early warning data of an insurance policy object; on the basis of the business data of the insurance policy target, a map of the insurance policy target is constructed, and the map of the insurance policy target is used for indicating relevant information of the business data of the insurance policy target at different positions; based on the meteorological disaster early warning data, a meteorological disaster map is constructed, and the meteorological disaster map is used for indicating related information of the meteorological disaster early warning data at different positions; performing spatial overlay analysis on the insurance policy object map and the meteorological disaster map to determine customer insurance policy object data influenced by meteorological disasters and corresponding disaster influence information; and carrying out meteorological disaster early warning based on the customer insurance policy object data and the disaster influence information. By implementing the method disclosed by the invention, accurate early warning of meteorological disasters can be realized in combination with the insurance policy target map and the meteorological disaster map, so that the practicability of the meteorological disaster early warning method is effectively improved.

Description

Technical Field

[0001] The present disclosure relates to the technical field of meteorological disaster early warning, and in particular to a meteorological disaster early warning method and device based on information of insurance policy subject. Background Art

[0002] When a meteorological disaster occurs, it may cause harm to people's lives and property, so it is necessary to predict meteorological disasters in advance. Insurance companies usually carry out corresponding insurance business for various meteorological disasters. In order to avoid unnecessary property losses to users, they usually issue meteorological disaster warnings to policyholders in advance.

[0003] In the related technology, when issuing meteorological disaster warnings, it is impossible to accurately push warning information to relevant users, which affects the warning effect. Summary of the invention

[0004] The present disclosure aims to solve one of the technical problems in the related art at least to some extent.

[0005] To this end, the purpose of the present invention is to propose a meteorological disaster warning method, device, computer equipment and storage medium based on the information of the insurance policy subject, which can combine the map of the insurance policy subject and the meteorological disaster map to achieve accurate warning of meteorological disasters, thereby effectively improving the practicality of the meteorological disaster warning method.

[0006] To achieve the above-mentioned purpose, the first embodiment of the present disclosure proposes a meteorological disaster early warning method based on information of the insurance policy, including:

[0007] Obtain policy subject business data and meteorological disaster warning data;

[0008] Based on the business data of the policy subject, construct a map of the policy subject, wherein the map of the policy subject is used to indicate relevant information of the business data of the policy subject at different locations;

[0009] Based on the meteorological disaster warning data, construct a meteorological disaster map, wherein the meteorological disaster map is used to indicate relevant information of the meteorological disaster warning data at different locations;

[0010] Performing spatial overlay analysis on the policy subject map and the meteorological disaster map to determine the data of the customer's policy subject affected by the meteorological disaster and the corresponding disaster impact information;

[0011] A meteorological disaster warning is carried out based on the customer's policy subject data and the disaster impact information.

[0012] To achieve the above-mentioned purpose, a meteorological disaster warning device based on information of insurance policy subject matter proposed in a second aspect of the present disclosure includes:

[0013] The acquisition module is used to obtain policy subject business data and meteorological disaster warning data;

[0014] A construction module, used to construct a map of the policy subject based on the business data of the policy subject, wherein the map of the policy subject is used to indicate relevant information of the business data of the policy subject at different locations;

[0015] A construction module, used to construct a meteorological disaster map based on the meteorological disaster warning data, wherein the meteorological disaster map is used to indicate relevant information of the meteorological disaster warning data at different locations;

[0016] An analysis module, used to perform spatial overlay analysis on the policy subject map and the meteorological disaster map to determine the data of the customer's policy subject affected by the meteorological disaster and the corresponding disaster impact information;

[0017] The early warning module is used to issue meteorological disaster early warning based on the customer's insurance policy data and the disaster impact information.

[0018] The computer device proposed in the third aspect of the present disclosure includes: a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the program, the meteorological disaster warning method based on the policy subject information proposed in the first aspect of the present disclosure is implemented.

[0019] The fourth aspect embodiment of the present disclosure proposes a non-temporary computer-readable storage medium, on which a computer program is stored. When the program is executed by a processor, it implements the meteorological disaster warning method based on the information of the insurance policy subject as proposed in the first aspect embodiment of the present disclosure.

[0020] The fifth aspect of the present disclosure proposes a computer program product. When the instructions in the computer program product are executed by a processor, the meteorological disaster warning method based on the information of the insurance policy subject proposed in the first aspect of the present disclosure is executed.

[0021] The meteorological disaster warning method, device, computer equipment and storage medium based on the information of the policy subject provided by the present disclosure obtain the business data of the policy subject and the meteorological disaster warning data; construct a policy subject map based on the business data of the policy subject, wherein the policy subject map is used to indicate the relevant information of the business data of the policy subject at different locations; construct a meteorological disaster map based on the meteorological disaster warning data, wherein the meteorological disaster map is used to indicate the relevant information of the meteorological disaster warning data at different locations; perform spatial overlay analysis on the policy subject map and the meteorological disaster map to determine the customer policy subject data affected by the meteorological disaster and the corresponding disaster impact information; perform meteorological disaster warning based on the customer policy subject data and the disaster impact information. As a result, accurate warning of meteorological disasters can be achieved by combining the policy subject map and the meteorological disaster map, thereby effectively improving the practicality of the meteorological disaster warning method.

[0022] Additional aspects and advantages of the present disclosure will be given in part in the following description and in part will be obvious from the following description or learned through practice of the present disclosure. BRIEF DESCRIPTION OF THE DRAWINGS

[0023] The above and / or additional aspects and advantages of the present disclosure will become apparent and easily understood from the following description of the embodiments in conjunction with the accompanying drawings, in which:

[0024] Figure 1 It is a flow chart of a meteorological disaster early warning method based on policy information proposed in one embodiment of the present disclosure;

[0025] Figure 2 It is a flow chart of a meteorological disaster early warning method based on policy information proposed in another embodiment of the present disclosure;

[0026] Figure 3 It is a schematic diagram of the meteorological disaster warning process proposed in the present disclosure;

[0027] Figure 4 It is a structural schematic diagram of a meteorological disaster warning device based on insurance policy information proposed in one embodiment of the present disclosure;

[0028] Figure 5 A block diagram of an exemplary computer device suitable for implementing embodiments of the present disclosure is shown. DETAILED DESCRIPTION

[0029] Embodiments of the present disclosure are described in detail below, examples of which are shown in the accompanying drawings, wherein the same or similar reference numerals throughout represent the same or similar elements or elements having the same or similar functions. The embodiments described below with reference to the accompanying drawings are exemplary and are only used to explain the present disclosure, and are not to be construed as limitations of the present disclosure. On the contrary, the embodiments of the present disclosure include all changes, modifications, and equivalents that fall within the spirit and connotation of the appended claims.

[0030] Figure 1 It is a flow chart of a meteorological disaster warning method based on policy information proposed in one embodiment of the present disclosure.

[0031] Among them, it should be noted that the executor of the meteorological disaster warning method based on the information of the insurance policy subject of this embodiment is a meteorological disaster warning device based on the information of the insurance policy subject. The device can be implemented by software and / or hardware. The device can be configured in a computer device. The computer device can include but is not limited to a terminal, a server, etc. For example, the terminal can be a mobile phone, a handheld computer, etc.

[0032] like Figure 1 As shown, the meteorological disaster early warning method based on the information of the insurance policy includes:

[0033] S101: Obtain policy subject business data and meteorological disaster warning data.

[0034] The policy subject business data refers to various information and data related to the insurance policy, such as the insured object, the insured amount, and the address of the insured object, etc., without limitation.

[0035] Among them, meteorological disaster warning data refers to warning data for meteorological disasters, which may include, for example, disaster type, disaster area, disaster level, etc., without any restrictions.

[0036] In the embodiment of the present disclosure, when obtaining the policy subject's business data and meteorological disaster warning data, the policy subject's business data may be obtained from the insurance company's business database, and the local meteorological bureau may obtain the meteorological disaster warning data.

[0037] In the disclosed embodiment, when the policy subject business data and meteorological disaster warning data are obtained, reliable data support can be provided for subsequent meteorological disaster warnings.

[0038] S102: constructing a policy subject map based on the policy subject's business data, wherein the policy subject map is used to indicate relevant information of the policy subject's business data at different locations.

[0039] Among them, the policy subject map can be a map indicating the location distribution of the insured objects.

[0040] In the disclosed embodiment, when constructing a map of the policy subject based on the business data of the policy subject, a map of the target area can be obtained, and then the address information of different insured objects can be determined based on the business data of the policy subject, and then the map of the target area can be marked based on the address information of different insured objects to obtain the above-mentioned map of the policy subject.

[0041] In the disclosed embodiment, when a map of the policy subject is constructed based on the business data of the policy subject, a visual display of the geographical location of the policy object can be achieved.

[0042] S103: constructing a meteorological disaster map based on the meteorological disaster warning data, wherein the meteorological disaster map is used to indicate relevant information of the meteorological disaster warning data at different locations.

[0043] Among them, meteorological disaster map refers to the map used to indicate the distribution of meteorological disasters.

[0044] In the disclosed embodiment, different meteorological disaster maps may be prepared for different meteorological disaster types, or distribution information of multiple types of meteorological disasters may be drawn on the same meteorological disaster map, without limitation.

[0045] Optionally, in some embodiments, the meteorological disaster map includes: a typhoon meteorological disaster map; a heavy rain meteorological disaster map; and a general meteorological disaster map.

[0046] Among them, the typhoon meteorological disaster map can be used to indicate the impact of typhoon disasters in different regions.

[0047] Among them, the heavy rain meteorological disaster map can be used to indicate the impact of disasters in different regions.

[0048] Among them, the general meteorological disaster map can be used to indicate the impact of other meteorological disasters (such as hail, floods, etc.) in different regions.

[0049] That is to say, in the embodiments of the present disclosure, a meteorological disaster map can be constructed based on meteorological disaster warning data, thereby realizing a visual display of the distribution of meteorological disasters.

[0050] S104: Perform spatial overlay analysis on the policy subject map and the meteorological disaster map to determine the data of the customer's policy subject affected by the meteorological disaster and the corresponding disaster impact information.

[0051] Among them, the customer's insurance policy data can be used to indicate the insurance policy data of customers affected by meteorological disasters, for example, it can include the policy object, contact information, insurance type, insurance amount, etc., without limitation.

[0052] The disaster impact information may be used to indicate the possible impact of a meteorological disaster, for example, the disaster type, the disaster impact time, the disaster impact degree, etc., without limitation.

[0053] Optionally, in some embodiments, the disaster impact information includes: typhoon intensity and typhoon eye distance corresponding to typhoon meteorological disasters; rainfall intensity corresponding to heavy rain meteorological disasters; and disaster warning level corresponding to general meteorological disasters. Thus, the practicability of the obtained disaster impact information for disaster warning can be ensured.

[0054] In the disclosed embodiment, when a spatial overlay analysis is performed on the policy subject map and the meteorological disaster map to determine the data of the customer's policy subject affected by the meteorological disaster and the corresponding disaster impact information, a comprehensive analysis of the policy subject map and the meteorological disaster map can be achieved to ensure the correlation between the obtained customer's policy subject data and the corresponding disaster impact information.

[0055] S105: Provide meteorological disaster warning based on the customer’s policy data and disaster impact information.

[0056] That is to say, in the embodiment of the present disclosure, after obtaining the customer's policy data and the corresponding disaster impact information, a meteorological disaster warning can be issued based on the customer's policy data and the disaster impact information to ensure the pertinence and adaptability of the meteorological warning to the insurance business.

[0057] In this embodiment, by obtaining the business data of the policy subject and the meteorological disaster warning data; constructing a policy subject map based on the business data of the policy subject, wherein the policy subject map is used to indicate the relevant information of the policy subject business data at different locations; constructing a meteorological disaster map based on the meteorological disaster warning data, wherein the meteorological disaster map is used to indicate the relevant information of the meteorological disaster warning data at different locations; performing spatial overlay analysis on the policy subject map and the meteorological disaster map to determine the customer policy subject data affected by the meteorological disaster and the corresponding disaster impact information; and performing meteorological disaster warning based on the customer policy subject data and the disaster impact information. As a result, the accurate warning of meteorological disasters can be achieved by combining the policy subject map and the meteorological disaster map, thereby effectively improving the practicality of the meteorological disaster warning method.

[0058] Optionally, in some embodiments, after obtaining the business data of the policy and the disaster impact information, the first user can be determined according to the data of the customer's policy; the second user can be determined according to the disaster impact information; and meteorological disaster warnings can be issued to the first user and the second user. In this way, accurate screening of users who need warnings can be achieved based on the customer's policy data and the disaster impact information, thereby improving the practicality of meteorological disaster warnings.

[0059] For example, in the embodiment of the present disclosure, when determining the first user based on the data of the customer's insurance policy, the insured amount of each user can be determined based on the data of the customer's insurance policy, and then the key customer can be determined as the first user from multiple users based on the insured amount. In the embodiment of the present disclosure, when determining the second user based on the disaster impact information, the customer within the disaster-affected area of ​​the red warning level can be determined as the second user based on the disaster impact information.

[0060] Figure 2 It is a flow chart of a meteorological disaster warning method based on policy information proposed in another embodiment of the present disclosure.

[0061] like Figure 2 As shown, the meteorological disaster early warning method based on the information of the insurance policy includes:

[0062] S201: Obtain policy subject business data and meteorological disaster warning data.

[0063] S202: Construct a policy subject map based on the policy subject's business data, wherein the policy subject map is used to indicate relevant information of the policy subject's business data at different locations.

[0064] S203: Constructing a meteorological disaster map based on the meteorological disaster warning data, wherein the meteorological disaster map is used to indicate relevant information of the meteorological disaster warning data at different locations.

[0065] S204: Perform spatial overlay analysis on the policy subject map and the meteorological disaster map to determine the data of the customer's policy subject affected by the meteorological disaster and the corresponding disaster impact information.

[0066] The description of S201 - S204 can be specifically referred to the above embodiment, which will not be repeated here.

[0067] S205: Determine the early warning subscription information corresponding to the customer's insurance policy subject data.

[0068] Among them, the warning subscription information can be used to indicate the user's warning needs for meteorological disasters.

[0069] Optionally, in some embodiments, the warning subscription information includes at least one of the following: insurance product type; meteorological disaster type; meteorological disaster level. Thus, the indication effect of the warning subscription information in the meteorological disaster warning process can be guaranteed, and the meteorological disaster warning can be adapted to user needs.

[0070] S206: Analyze and process the disaster impact information according to the warning subscription information to obtain a disaster warning report.

[0071] Among them, disaster warning reports can be used to indicate information such as disaster type and impact time.

[0072] In the embodiment of the present disclosure, when the disaster impact information is parsed and processed according to the warning subscription information to obtain a disaster warning report, multiple information involved in the disaster impact information can be screened based on the warning subscription information, and then the disaster warning report can be obtained by integrating the screened information.

[0073] That is, in the embodiment of the present disclosure, after determining the data of the customer's insurance policy subject affected by the meteorological disaster and the corresponding disaster impact information, the early warning subscription information corresponding to the customer's insurance policy subject data can be determined; the disaster impact information is parsed and processed according to the early warning subscription information to obtain a disaster early warning report. Thus, the disaster early warning report can be accurately and quickly generated in combination with the early warning subscription information, thereby ensuring the applicability of the obtained disaster early warning report to the user.

[0074] In this embodiment, by determining the early warning subscription information corresponding to the data of the customer's insurance policy, the disaster impact information is parsed and processed according to the early warning subscription information to obtain a disaster early warning report. Thus, the disaster early warning report can be accurately and quickly generated in combination with the early warning subscription information, thereby ensuring the applicability of the obtained disaster early warning report to the user.

[0075] Based on the above embodiments, the present invention can calculate the insurance policy data affected by meteorological disasters through GIS technology and push personalized warnings.

[0076] like Figure 3 As shown, Figure 3 The following is a schematic diagram of the meteorological disaster warning process proposed in the present disclosure.

[0077] 1) Creation of policy subject map.

[0078] Obtain the insurance policy information of the corporate business, convert the target address into the longitude and latitude information of the corporate customer, and draw a point data map layer of the corporate customer target.

[0079] 2) Creation of meteorological disaster maps.

[0080] Connect with the Meteorological Bureau to obtain meteorological disaster warning data and convert it into meteorological disaster warning maps. It mainly includes the following three types of meteorological disaster maps:

[0081] 1. Typhoon meteorological disaster map: divided into actual disaster map and expected disaster map.

[0082] Actual disaster-affected map: Combine the actual typhoon track points and wind circle radius pushed by the Meteorological Bureau, calculate the wind circle range of each track point according to the radius of the level 7 wind circle, and use surface fusion technology to generate the typhoon actual disaster-affected map.

[0083] Expected disaster map: Similar to the actual disaster map, the expected disaster map obtains the forecast track points of the typhoon, takes the disaster area as 200km, calculates and generates the typhoon expected disaster map.

[0084] 2. Heavy rain meteorological disaster map: Obtain the national rainfall forecast data for the next 24 hours from the Meteorological Bureau, and use raster data processing technology to extract precipitation isosurface data of various levels above heavy rain (>25mm) across the country to generate a heavy rain meteorological disaster map.

[0085] 3. General meteorological disaster map: obtain various meteorological disaster warnings issued by meteorological typhoons, including more than 100 types of natural disaster data such as hail, heavy fog, floods, etc., and convert the regional scope published on schedule into a general meteorological disaster warning map.

[0086] 3) Use spatial overlay analysis to calculate the affected target data.

[0087] Overlay and match the policy subject's point data map layer with the meteorological disaster surface data map layer to obtain the data set of the customer's policy subject affected by the meteorological disaster and the relevant disaster intensity or level information. For typhoon warnings, calculate the distance and intensity information between the subject and the typhoon eye. For rainfall warnings, get the affected heavy rain level. For general meteorological disaster warnings, directly get the disaster warning level (divided into four levels: red, orange, yellow, and blue).

[0088] 4) Prepare disaster warning reports and push personalized warnings based on the customer’s personalized warning subscription information.

[0089] Disaster warning report processing includes the following:

[0090] Disaster warning map

[0091] Disaster-affected geographical scope: Calculate the affected provinces and cities based on the disaster warning map

[0092] Information of affected branches: Calculate the information of affected branches based on the business organization attributes of the policy. For example, if the Beijing branch has business in Sichuan, then when Sichuan is affected by a disaster, an early warning will also be issued to the Beijing branch.

[0093] Affected product lines: Get policy attributes and calculate which products are affected.

[0094] Collect information on the amount of insurance affected: Assess the amount of insurance affected in order to estimate the loss caused by the disaster.

[0095] Affected properties information: Assess the affected properties in order to estimate the number of affected customers.

[0096] Disaster warning details: Provide a list of affected customers so that the branch can conduct early warning processing.

[0097] Personalized warning push can be carried out according to the following dimensions:

[0098] 1. Subscribe according to the type of insurance product, such as agricultural insurance, corporate property insurance, engineering insurance, etc.

[0099] 2. Subscribe according to the type of disaster, such as hail, typhoon, heavy rain, frost, etc.

[0100] 3. Subscribe according to the disaster level, such as subscribing to disasters with red or orange disaster levels, subscribing to rainstorm levels such as heavy rainstorms and extremely heavy rainstorms, and subscribing to typhoon levels, such as the affected objects within the range of the typhoon wind circle of level 10 or level 12.

[0101] 5) Provide early warning to key customers and high-risk customers.

[0102] 1. Determine whether the customer is a key customer based on the customer’s insurance coverage.

[0103] 2. Customers within the disaster-affected area at the red alert level.

[0104] 3. Customers within the disaster-affected area due to heavy rain or above (>50.0mm).

[0105] 4. Customers within the typhoon level 12 wind circle.

[0106] Figure 4 It is a structural schematic diagram of a meteorological disaster warning device based on policy information proposed in one embodiment of the present disclosure.

[0107] like Figure 4 As shown, the meteorological disaster warning device 40 based on the information of the insurance policy includes:

[0108] Acquisition module 401, used to acquire policy subject business data and meteorological disaster warning data;

[0109] A construction module 402 is used to construct a map of the policy subject based on the business data of the policy subject, wherein the map of the policy subject is used to indicate relevant information of the business data of the policy subject at different locations;

[0110] A construction module 403 is used to construct a meteorological disaster map based on the meteorological disaster warning data, wherein the meteorological disaster map is used to indicate relevant information of the meteorological disaster warning data at different locations;

[0111] The analysis module 404 is used to perform spatial overlay analysis on the policy subject map and the meteorological disaster map to determine the data of the customer's policy subject affected by the meteorological disaster and the corresponding disaster impact information;

[0112] The early warning module 405 is used to issue meteorological disaster early warning based on the customer's insurance policy data and disaster impact information.

[0113] It should be noted that the aforementioned explanation of the meteorological disaster warning method based on the information of the insurance policy subject is also applicable to the meteorological disaster warning device based on the information of the insurance policy subject of this embodiment, and will not be repeated here.

[0114] In this embodiment, by obtaining the business data of the policy subject and the meteorological disaster warning data; constructing a policy subject map based on the business data of the policy subject, wherein the policy subject map is used to indicate the relevant information of the policy subject business data at different locations; constructing a meteorological disaster map based on the meteorological disaster warning data, wherein the meteorological disaster map is used to indicate the relevant information of the meteorological disaster warning data at different locations; performing spatial overlay analysis on the policy subject map and the meteorological disaster map to determine the customer policy subject data affected by the meteorological disaster and the corresponding disaster impact information; and performing meteorological disaster warning based on the customer policy subject data and the disaster impact information. As a result, the accurate warning of meteorological disasters can be achieved by combining the policy subject map and the meteorological disaster map, thereby effectively improving the practicality of the meteorological disaster warning method.

[0115] Figure 5 A block diagram of an exemplary computer device suitable for implementing embodiments of the present disclosure is shown. Figure 5 The computer device 12 shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present disclosure.

[0116] like Figure 5 As shown, the computer device 12 is in the form of a general-purpose computing device. The components of the computer device 12 may include, but are not limited to: one or more processors or processing units 16, a system memory 28, and a bus 18 that connects various system components (including the system memory 28 and the processing unit 16).

[0117] The bus 18 represents one or more of several types of bus structures, including a memory bus or memory controller, a peripheral bus, a graphics acceleration port, a processor or a local bus using any of a variety of bus structures. For example, these architectures include but are not limited to Industry Standard Architecture (ISA) bus, Micro Channel Architecture (MAC) bus, Enhanced ISA bus, Video Electronics Standards Association (VESA) local bus and Peripheral Component Interconnection (PCI) bus.

[0118] The computer device 12 typically includes a variety of computer system readable media. These media can be any available media that can be accessed by the computer device 12, including volatile and non-volatile media, removable and non-removable media.

[0119] The memory 28 may include computer system readable media in the form of volatile memory, such as random access memory (RAM) 30 and / or cache memory 32. The computer device 12 may further include other removable / non-removable, volatile / non-volatile computer system storage media. By way of example only, the storage system 34 may be used to read and write non-removable, non-volatile magnetic media ( Figure 5 Not shown, often called a "hard drive").

[0120] although Figure 5 Not shown, a disk drive for reading and writing a removable non-volatile disk (e.g., a "floppy disk"), and an optical disk drive for reading and writing a removable non-volatile optical disk (e.g., a compact disc read only memory (Compact Disc Read Only Memory; hereinafter referred to as: CD-ROM), a digital versatile disc read only memory (Digital Video Disc Read Only Memory; hereinafter referred to as: DVD-ROM) or other optical media) may be provided. In these cases, each drive may be connected to the bus 18 via one or more data medium interfaces. The memory 28 may include at least one program product having a set (e.g., at least one) of program modules that are configured to perform the functions of the various embodiments of the present disclosure.

[0121] A program / utility 40 having a set (at least one) of program modules 42 may be stored, for example, in the memory 28, such program modules 42 including but not limited to an operating system, one or more application programs, other program modules, and program data, each of which or some combination may include an implementation of a network environment. The program modules 42 generally perform the functions and / or methods of the embodiments described in the present disclosure.

[0122] The computer device 12 may also communicate with one or more external devices 14 (e.g., keyboard, pointing device, display 24, etc.), one or more devices that enable a human body to interact with the computer device 12, and / or any device that enables the computer device 12 to communicate with one or more other computing devices (e.g., network card, modem, etc.). Such communication may be performed via an input / output (I / O) interface 22. In addition, the computer device 12 may also communicate with one or more networks (e.g., a local area network (LAN), a wide area network (WAN), and / or a public network, such as the Internet) via a network adapter 20. As shown, the network adapter 20 communicates with other modules of the computer device 12 via a bus 18. It should be understood that, although not shown in the figure, other hardware and / or software modules may be used in conjunction with the computer device 12, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems.

[0123] The processing unit 16 executes various functional applications and data processing by running the programs stored in the system memory 28, such as implementing the meteorological disaster warning method based on the information of the insurance policy mentioned in the above embodiment.

[0124] In order to implement the above embodiments, the present disclosure also proposes a non-temporary computer-readable storage medium on which a computer program is stored. When the program is executed by a processor, it implements the meteorological disaster warning method based on the policy subject information as proposed in the aforementioned embodiments of the present disclosure.

[0125] In order to implement the above embodiments, the present disclosure also proposes a computer program product. When the instruction processor in the computer program product is executed, it executes the meteorological disaster warning method based on the information of the insurance policy as proposed in the above embodiments of the present disclosure.

[0126] Those skilled in the art will readily appreciate other embodiments of the present disclosure after considering the specification and practicing the invention disclosed herein. The present disclosure is intended to cover any variations, uses, or adaptations of the present disclosure that follow the general principles of the present disclosure and include common knowledge or customary techniques in the art that are not disclosed in the present disclosure. The description and examples are to be considered exemplary only, and the true scope and spirit of the present disclosure are indicated by the following claims.

[0127] It should be understood that the present disclosure is not limited to the exact structures that have been described above and shown in the drawings, and that various modifications and changes may be made without departing from the scope thereof. The scope of the present disclosure is limited only by the appended claims.

[0128] It should be noted that, in the description of the present disclosure, the terms "first", "second", etc. are only used for descriptive purposes and cannot be understood as indicating or implying relative importance. In addition, in the description of the present disclosure, unless otherwise specified, the meaning of "plurality" is two or more.

[0129] Any process or method description in a flowchart or otherwise described herein may be understood to represent a module, segment or portion of code that includes one or more executable instructions for implementing the steps of a specific logical function or process, and the scope of the preferred embodiments of the present disclosure includes alternative implementations in which functions may not be performed in the order shown or discussed, including performing functions in a substantially simultaneous manner or in the reverse order depending on the functions involved, which should be understood by those skilled in the art to which the embodiments of the present disclosure belong.

[0130] It should be understood that the various parts of the present disclosure can be implemented in hardware, software, firmware or a combination thereof. In the above-mentioned embodiments, multiple steps or methods can be implemented in software or firmware stored in a memory and executed by a suitable instruction execution system. For example, if implemented in hardware, as in another embodiment, it can be implemented by any one of the following technologies known in the art or their combination: a discrete logic circuit having a logic gate circuit for implementing a logic function for a data signal, a dedicated integrated circuit having a suitable combination of logic gate circuits, a programmable gate array (PGA), a field programmable gate array (FPGA), etc.

[0131] A person skilled in the art may understand that all or part of the steps in the method for implementing the above-mentioned embodiment may be completed by instructing related hardware through a program, and the program may be stored in a computer-readable storage medium, which, when executed, includes one or a combination of the steps of the method embodiment.

[0132] In addition, each functional unit in each embodiment of the present disclosure may be integrated into a processing module, or each unit may exist physically separately, or two or more units may be integrated into one module. The above-mentioned integrated module may be implemented in the form of hardware or in the form of a software functional module. If the integrated module is implemented in the form of a software functional module and sold or used as an independent product, it may also be stored in a computer-readable storage medium.

[0133] The storage medium mentioned above can be a read-only memory, a magnetic disk or an optical disk, etc.

[0134] In the description of this specification, the description with reference to the terms "one embodiment", "some embodiments", "example", "specific example", or "some examples" means that the specific features, structures, materials or characteristics described in conjunction with the embodiment or example are included in at least one embodiment or example of the present disclosure. In this specification, the schematic representation of the above terms does not necessarily refer to the same embodiment or example. Moreover, the specific features, structures, materials or characteristics described may be combined in any one or more embodiments or examples in a suitable manner.

[0135] Although the embodiments of the present disclosure have been shown and described above, it is to be understood that the above embodiments are exemplary and are not to be construed as limitations of the present disclosure. A person skilled in the art may change, modify, replace and vary the above embodiments within the scope of the present disclosure.

Claims

1. A meteorological disaster early warning method based on policy information, characterized in that: include: Obtain policy subject business data and meteorological disaster warning data; Based on the business data of the policy subject, construct a map of the policy subject, wherein the map of the policy subject is used to indicate relevant information of the business data of the policy subject at different locations; Based on the meteorological disaster warning data, construct a meteorological disaster map, wherein the meteorological disaster map is used to indicate relevant information of the meteorological disaster warning data at different locations; Performing spatial overlay analysis on the policy subject map and the meteorological disaster map to determine the data of the customer's policy subject affected by the meteorological disaster and the corresponding disaster impact information; A meteorological disaster warning is carried out based on the customer's policy subject data and the disaster impact information.

2. The method according to claim 1, characterized in that The meteorological hazard map includes: Typhoon weather hazard map; Heavy rain weather hazard map; General weather hazard map.

3. The method according to claim 2, characterized in that The disaster impact information includes: Typhoon intensity and typhoon eye distance corresponding to typhoon meteorological disasters; The rainfall intensity corresponding to the heavy rain meteorological disaster; Disaster warning levels corresponding to common meteorological disasters.

4. The method according to claim 1, characterized in that The meteorological disaster warning based on the customer's insurance policy data and the disaster impact information includes: Determining the early warning subscription information corresponding to the policy subject data of the customer; The disaster impact information is parsed and processed according to the warning subscription information to obtain a disaster warning report.

5. The method according to claim 4, characterized in that The warning subscription information includes at least one of the following: Type of insurance product; Types of meteorological disasters; Meteorological disaster level.

6. The method according to claim 1, characterized in that The method further comprises: Determining a first user based on the data of the customer's insurance policy subject; Determining a second user according to the disaster impact information; A meteorological disaster warning is issued to the first user and the second user.

7. A meteorological disaster warning device based on the information of the insurance policy, characterized in that: include: The acquisition module is used to obtain policy subject business data and meteorological disaster warning data; A construction module, used to construct a map of the policy subject based on the business data of the policy subject, wherein the map of the policy subject is used to indicate relevant information of the business data of the policy subject at different locations; A construction module, used to construct a meteorological disaster map based on the meteorological disaster warning data, wherein the meteorological disaster map is used to indicate relevant information of the meteorological disaster warning data at different locations; An analysis module, used to perform spatial overlay analysis on the policy subject map and the meteorological disaster map to determine the data of the customer's policy subject affected by the meteorological disaster and the corresponding disaster impact information; The early warning module is used to issue meteorological disaster early warning based on the customer's insurance policy data and the disaster impact information.

8. A computer device, characterized in that: include: at least one processor; as well as a memory communicatively connected to the at least one processor; wherein, The memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor to enable the at least one processor to perform the method according to any one of claims 1 to 6.

9. A non-transitory computer-readable storage medium storing computer instructions, characterized in that: in, The computer instructions are used to cause the computer to execute the method according to any one of claims 1 to 6.

10. A computer program product, characterized in that The invention comprises a computer program which, when executed by a processor, implements the steps of the method according to any one of claims 1 to 6.

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