CN110110970A - Virtual resource risk rating method, system, computer equipment and storage medium - Google Patents
Virtual resource risk rating method, system, computer equipment and storage medium Download PDFInfo
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- CN110110970A CN110110970A CN201910296111.4A CN201910296111A CN110110970A CN 110110970 A CN110110970 A CN 110110970A CN 201910296111 A CN201910296111 A CN 201910296111A CN 110110970 A CN110110970 A CN 110110970A
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Abstract
This application involves machine learning techniques field, a kind of virtual resource risk rating method, system, computer equipment and storage medium are provided.This method comprises: application server obtains virtual resource data to be graded；Virtual resource data to be graded are sent to data processing server by application server, virtual resource data to be graded for being input in trained virtual resource rating model by data processing server, the corresponding virtual resource risk class of virtual resource data to be graded is calculated, and returns to virtual resource risk class to application server；Application server determines corresponding virtualization pool interaction qualification according to virtual resource risk class；If virtualization pool interaction qualification meets preset condition, virtual resource data to be graded are included into virtual resource transfer cell by the application server；Virtual resource transfer cell is sent to terminal by the application server, and terminal is used to show the virtual resource data in virtual resource transfer cell.
Description
Technical field
This application involves field of computer technology, more particularly to a kind of virtual resource risk rating method, system, dress
It sets, computer equipment and storage medium.
Background technique
Currently, being the receipts that expire based on resource transfers person to virtual resource mostly to the resource transfers decision of virtual resource
The direct feel of the essential informations such as benefit, credit rating, interest date, repurchase rate and analysis.Firstly, this mode is to virtual resource
It investigates not comprehensive；Secondly, and be not used scientific method virtual resource is assessed；Moreover, the mode of manual review judgement
Excessively slowly, for a large amount of virtual resources occurred in the market, a large amount of workload is needed to be screened, wastes a large amount of people
Power.
Summary of the invention
Based on this, it is necessary in view of the above technical problems, provide it is a kind of without manually to virtual resource risk rating to
Improve virtual resource risk rating method, system, device, computer equipment and the storage medium of virtual resource grading efficiency.
A kind of virtual resource risk rating method, this method comprises:
Application server obtains virtual resource data to be graded；
Virtual resource data to be graded are sent to data processing server by application server, and data processing server is used for
Virtual resource data to be graded are input in trained virtual resource rating model, virtual resource to be graded is calculated
The corresponding virtual resource risk class of data, and virtual resource risk class is returned to application server；
Application server determines corresponding virtualization pool interaction qualification according to virtual resource risk class；
If virtualization pool interaction qualification meets preset condition, the application server will virtual resource number be graded
According to being included into virtual resource transfer cell；
Virtual resource transfer cell is sent to terminal by the application server, and terminal is for showing in virtual resource transfer cell
Virtual resource data.
Virtual resource rating model training step includes: in data processing server in one of the embodiments,
Data processing server is obtained to training grading virtual resource data acquisition system, to training grading virtual resource data set
Close includes each to training grading virtual resource and corresponding virtual resource risk class label；
Data processing server will be input to virtual resource rating model to training grading virtual resource data acquisition system and carry out
Training obtains each to the corresponding output data of training grading virtual resource；
Data processing server each is commented to the training corresponding output data of grading virtual resource and to training according to each
The functional value of objective function is calculated in the corresponding virtual resource risk class label of grade virtual resource, until the letter of objective function
Numerical value meets the condition of convergence, the virtual resource rating model trained.
This method in one of the embodiments, further include: application server judges whether virtual resource risk class is full
The default virtual resource risk class condition of foot, if satisfied, then executing application server according to determining pair of virtual resource risk class
The step of virtualization pool interaction qualification answered；Otherwise, then application server will virtual resource data be graded it is corresponding to be evaluated
Grade virtual resource is included into virtual resource transfer cell blacklist.
This method in one of the embodiments, further include: application server judge virtual resource risk class whether be
When default virtual resource risk class, when virtual resource risk class is default virtual resource risk class, application server
Obtain the corresponding virtual resource income amplitude information to be graded of virtual resource data to be graded；Application server is according to void to be graded
Quasi- resource resources profit amplitude information determination obtains corresponding destination virtual resource risk class, when destination virtual resource risk class accords with
When closing default virtual resource risk class condition, then application server is executed according to virtual resource risk class and determines corresponding void
The step of quasi- resource pool interaction qualification.
This method in one of the embodiments, further include: application server obtains virtual in virtual resource transfer cell
Resource collection, virtual resource set include multiple virtual resources；Virtual resource set is sent to terminal, terminal by application server
For storing virtual resource set, virtual resource acquisition request is received, virtual resource acquisition request carries virtual resource
Mark acquires virtual resource from virtual resource set according to virtual resource acquisition request and identifies corresponding destination virtual money
Source, by destination virtual resource supplying to terminal user.
A kind of virtual resource risk rating system, the system include:
Virtual resource data to be graded are sent to data for obtaining virtual resource data to be graded by application server
Processing server；
Data processing server, for virtual resource data to be graded to be input to trained virtual resource grading mould
In type, the corresponding virtual resource risk class of virtual resource data to be graded is calculated, and return to virtual resource risk class
To application server；
Application server is also used to determine corresponding virtualization pool interaction qualification according to virtual resource risk class, if empty
When quasi- resource pool interaction qualification meets preset condition, then virtual resource data to be graded are included into virtual resource transfer cell, it will be empty
Quasi- resource transfers pond is sent to terminal；
Terminal, for showing the virtual resource data in virtual resource transfer cell.
System in one of the embodiments, further include: application server is also used to obtain in virtual resource transfer cell
Virtual resource set, virtual resource set includes multiple virtual resources, and virtual resource set is sent to terminal；Terminal, also
For storing virtual resource set, virtual resource acquisition request is received, virtual resource acquisition request carries virtual resource
Mark acquires virtual resource from virtual resource set according to virtual resource acquisition request and identifies corresponding destination virtual money
Source, by destination virtual resource supplying to terminal user.
In one of the embodiments, application server be also used to obtain to training grade virtual resource data acquisition system, to
Training grading virtual resource data acquisition system includes each to training grading virtual resource and corresponding virtual resource risk class mark
Label will be sent to data processing server to training grading virtual resource data acquisition system；Data processing server, being also used to will be to
Training grading virtual resource data acquisition system is input to virtual resource rating model and is trained, and obtains each virtual to training grading
The corresponding output data of resource, according to each to the corresponding output data of training grading virtual resource and each to training grading
The functional value of objective function is calculated in the corresponding virtual resource risk class label of virtual resource, until the function of objective function
Value meets the condition of convergence, the virtual resource rating model trained.
A kind of computer equipment, including memory and processor, memory are stored with computer program, and processor executes meter
It is performed the steps of when calculation machine program
Application server obtains virtual resource data to be graded；
Virtual resource data to be graded are sent to data processing server by application server, and data processing server is used for
Virtual resource data to be graded are input in trained virtual resource rating model, virtual resource to be graded is calculated
The corresponding virtual resource risk class of data, and virtual resource risk class is returned to application server；
Application server determines corresponding virtualization pool interaction qualification according to virtual resource risk class；
If virtualization pool interaction qualification meets preset condition, the application server will virtual resource number be graded
According to being included into virtual resource transfer cell；
Virtual resource transfer cell is sent to terminal by the application server, and terminal is for showing in virtual resource transfer cell
Virtual resource data.
A kind of computer readable storage medium is stored thereon with computer program, when computer program is executed by processor
It performs the steps of
Application server obtains virtual resource data to be graded；
Virtual resource data to be graded are sent to data processing server by application server, and data processing server is used for
Virtual resource data to be graded are input in trained virtual resource rating model, virtual resource to be graded is calculated
The corresponding virtual resource risk class of data, and virtual resource risk class is returned to application server；
Application server determines corresponding virtualization pool interaction qualification according to virtual resource risk class；
If virtualization pool interaction qualification meets preset condition, the application server will virtual resource number be graded
According to being included into virtual resource transfer cell；
Virtual resource transfer cell is sent to terminal by application server, and terminal is used to show the void in virtual resource transfer cell
Quasi- resource data.
Above-mentioned virtual resource risk rating method, apparatus, computer equipment and storage medium, application server obtain to be evaluated
Grade virtual resource data；Virtual resource data to be graded are sent to data processing server, data processing clothes by application server
Business device is calculated for virtual resource data to be graded to be input in trained virtual resource rating model wait grade
The corresponding virtual resource risk class of virtual resource data, and virtual resource risk class is returned to application server；Using clothes
Business device determines corresponding virtualization pool interaction qualification according to virtual resource risk class；If virtualization pool interaction qualification meets
When preset condition, then virtual resource data to be graded are included into virtual resource transfer cell by the application server；Application server
Virtual resource transfer cell is sent to terminal, terminal is used to show the virtual resource data in virtual resource transfer cell.At data
Reason server by trained virtual resource rating model treat automatically grading virtual resource data be calculated it is corresponding
Virtual resource risk class, without manually calculating the corresponding virtual resource risk class of virtual resource data to be graded, Er Qiegen
Virtualization pool interaction qualification is determined according to virtual resource risk class, only when virtualization pool interaction qualification meets preset condition
Virtual resource data to be graded, virtual resource data to be graded could be included into virtual resource transfer cell by application server, into
One step application server virtual resource transfer cell is sent to terminal, the virtual resource in terminal display virtual resource transfer cell
Data.And the virtual resource data in virtual resource transfer cell are all to be assessed using scientific method, therefore compare artificial
The confidence level of assessment is higher.Meanwhile being handled respectively by application server and data processing server, it can be to avoid because of deployment
Data processing function causes the load of application server to increase, so in addition deployment one data processing for data processing takes
Business device, it is ensured that the normal operation of application server, while can also guarantee the efficiency of data processing.
Detailed description of the invention
Fig. 1 is the application scenario diagram of virtual resource risk rating method in one embodiment；
Fig. 2 is the flow diagram of virtual resource risk rating method in one embodiment；
Fig. 3 is the flow diagram of virtual resource rating model training step in one embodiment；
Fig. 4 is the structural block diagram of virtual resource risk rating system in one embodiment；
Fig. 5 is the structural block diagram of virtual resource risk rating device in one embodiment；
Fig. 6 is the internal structure chart of computer equipment in one embodiment.
Specific embodiment
It is with reference to the accompanying drawings and embodiments, right in order to which the objects, technical solutions and advantages of the application are more clearly understood
The application is further elaborated.It should be appreciated that specific embodiment described herein is only used to explain the application, not
For limiting the application.
Virtual resource risk rating method provided by the present application, can be applied in application environment as shown in Figure 1.Its
In, terminal 110 is communicated by network with application server 120, and application server 120 passes through network and data processing service
Device 130 is communicated.Wherein, it is various personal computers that terminal 110, which can be, but not limited to, laptop, smart phone, is put down
Plate computer and portable wearable device, application server 120 and data processing server 130 can with independent server or
Person is the server cluster of multiple server compositions to realize.
Specifically, virtual resource data to be graded are sent to application server 120 by terminal 110, and application server 120 will
Virtual resource data to be graded are sent to data processing server 130, are stored in data processing server 130 trained
The virtual resource data to be graded received are input to trained virtual resource rating model by virtual resource rating model
In, the corresponding virtual resource risk class of virtual resource data to be graded is calculated, and return to virtual resource risk class extremely
Application server 120.Application server 120 determines corresponding virtualization pool interaction qualification according to virtual resource risk class,
If virtualization pool interaction qualification meets preset condition, virtual resource data to be graded are included into virtual resource transfer cell,
Virtual resource transfer cell is sent to terminal 110, terminal 110 shows the virtual resource data in virtual resource transfer cell.
In one embodiment, it as shown in Fig. 2, providing a kind of virtual resource risk rating method, applies in this way
It is illustrated for application server 120 in Fig. 1, comprising the following steps:
Step 202, application server obtains virtual resource data to be graded.
Wherein, virtual resource data are a kind of financial contracts, are government, financial institution, industrial and commercial enterprises etc. directly to society
It when borrowing money to obtain funds from, is issued to resource transfers person, while promising to undertake by certain interest rate interest payment and repaying this by agreed terms
The credit and debt voucher of gold.Different virtual resource data correspond to different risk class, the higher virtual resource of risk class
Data risk is higher, virtual resource data such as stock, fund, bond etc..Wherein, virtual resource data to be graded include grade to be evaluated
Virtual resource basic data and virtual resource to be graded issue personal data, and virtual resource basic data to be graded is virtual wait grade
The basic data data of resource data, such as title, buyer, the regular repayment of principal interest of virtual resource data to be graded.And to
Grading virtual resource distribution personal data is the data of the corresponding publisher's history output of virtual resource to be graded.
Step 204, virtual resource data to be graded are sent to data processing server, data processing clothes by application server
Business device is calculated for virtual resource data to be graded to be input in trained virtual resource rating model wait grade
The corresponding virtual resource risk class of virtual resource data, and virtual resource risk class is returned to application server.
Wherein, virtual resource rating model is used to carry out virtual resource data the network model of risk rating.Specifically,
The virtual resource data to be graded that application server will acquire are sent to data processing server, data processing service here
Device refers to the data processing server in Fig. 1.Virtual resource data to be graded are input to and have trained by data processing server
Credits rating model, trained credits rating model calculates virtual resource data to be graded and obtains corresponding virtual resource
Risk class, and virtual resource risk class is back to application server.Here virtual resource risk class refers to virtually
Degree of risk existing for resource, virtual resource risk class is higher, and resource transfers risk is higher, and virtual resource risk class is lower
Resource transfers risk is lower.
Step 206, application server determines corresponding virtualization pool interaction qualification according to virtual resource risk class.
Wherein, virtualization pool interaction qualification is the initial admissibility of virtual resource transfer cell, in order to improve virtual money
The reliability of virtual resource in the transfer cell of source need to further determine final according to the initial admissibility of virtual resource transfer cell
Virtual resource transfer cell final admissibility.Here corresponding virtualization pool is determined according to virtual resource risk class
Interaction qualification belongs to the initial admissibility of virtual resource transfer cell.Specifically, application server gets data processing service
After the virtual resource risk class that device returns, corresponding virtualization pool interaction qualification is determined according to virtual resource risk class,
Wherein determine that the method for determination of corresponding virtualization pool interaction qualification can customize according to virtual resource risk class, it is customized
Can be by virtual resource risk class be in low virtual resource risk be determined as with virtualization pool interaction qualification, will be virtual
Resource risk class is that high risk is determined as not having virtualization pool interaction qualification.Wherein, virtual resource risk class is low
Middle height can determine according to certain rules and obtain that specific rule can customize, and can be determined according to actual needs.
Step 208, if virtualization pool interaction qualification meets preset condition, application server will be wait virtual money of grading
Source data is included into virtual resource transfer cell.
Wherein, due to the initial admissibility that virtualization pool interaction qualification is virtual resource transfer cell, in order to improve void
The reliability of virtual resource in quasi- resource transfers pond, need to further determine according to the initial admissibility of virtual resource transfer cell
The final admissibility of final virtual resource transfer cell.Therefore, determined according to virtual resource risk class it is corresponding virtual
After resource pool interaction qualification, secondary judgement need to be carried out to virtual resource interaction qualification, specifically can determine whether virtual resource interaction money
Whether lattice meet preset condition, if meet, virtual resource data to be graded are included into virtual resource transfer cell.Wherein, it is
It improves the reliability of the virtual resource in virtual resource transfer cell and prevents the virtual resource interaction money of virtual resource transfer cell
There is mistake in lattice, then need to carry out secondary judgement to virtualization pool interaction qualification.Wherein, preset condition can customize, and make by oneself
Justice can be configured according to actual needs, or be configured according to business needs.
Step 210, virtual resource transfer cell is sent to terminal by application server, and terminal is for showing that virtual resource shifts
Virtual resource data in pond.
Wherein, virtual resource transfer cell is sent to terminal by application server, include in virtual resource transfer cell it is multiple
The reliability of the virtual resource data of grading, the virtual resource data in virtual resource transfer cell is higher or virtual resource transfer
The risk class of virtual resource data in pond is lower or virtual resource transfer cell in virtual resource data risk and return relationship between at
Direct ratio etc..Therefore, virtual resource transfer cell is sent to terminal by application server, in terminal display virtual resource transfer cell
Virtual resource data can show the virtual resource data in virtual resource transfer cell by relevant Product Interface, or again
New window is shown, and this is not restricted.
In above-mentioned virtual resource risk rating method, application server obtains virtual resource data to be graded；Application service
Virtual resource data to be graded are sent to data processing server by device, and data processing server is used for will virtual resource be graded
Data are input in trained virtual resource rating model, and the corresponding virtual money of virtual resource data to be graded is calculated
Source risk class, and virtual resource risk class is returned to application server；Application server is according to virtual resource risk class
Determine corresponding virtualization pool interaction qualification；If virtualization pool interaction qualification meets preset condition, the application clothes
Virtual resource data to be graded are included into virtual resource transfer cell by business device；Virtual resource transfer cell is sent to end by application server
End, terminal are used to show the virtual resource data in virtual resource transfer cell.Data processing server passes through trained void
Quasi- resource rating model treats grading virtual resource data automatically and corresponding virtual resource risk class is calculated, without artificial
The corresponding virtual resource risk class of virtual resource data to be graded is calculated, and is determined virtually according to virtual resource risk class
Resource pool interacts qualification, only when virtualization pool interaction qualification meets the virtual resource data to be graded of preset condition, application
Virtual resource data to be graded could be included into virtual resource transfer cell by server, and further application server is by virtual resource
Transfer cell is sent to terminal, the virtual resource data in terminal display virtual resource transfer cell.And it is virtual in virtualization pool
Resource data is all to be assessed using scientific method, therefore the confidence level for comparing manual evaluation is higher.Meanwhile passing through application
Server and data processing server are handled respectively, can be to avoid because deployment data processing function leads to the negative of application server
Carry increase, so in addition deployment one be used for data processing data processing server, it is ensured that application server it is normal
Operation, while can also guarantee the efficiency of data processing.
In one embodiment, as shown in figure 3, virtual resource rating model training step packet in data processing server
It includes:
Step 302, data processing server is obtained to training grading virtual resource data acquisition system, to the virtual money of training grading
Source data set includes each to training grading virtual resource and corresponding virtual resource risk class label.
Wherein, to training grading virtual resource data acquisition system in include it is multiple to training grade virtual resource, and each to
All there is corresponding virtual resource risk class label in training grading virtual resource.And virtual resource risk class label is equivalent to
It is the model answer to the virtual resource risk class of training grading virtual resource data, and it is each to training grading virtual resource
It is used to training virtual resource rating model with corresponding virtual resource risk class label.
Step 304, data processing server will be input to virtual resource grading to training grading virtual resource data acquisition system
Model is trained, and is obtained each to the corresponding output data of training grading virtual resource.
Wherein, output data be virtual resource rating model treat training grading virtual resource data be calculated it is corresponding
Virtual resource risk class.Specifically, will to training grading virtual resource data acquisition system be input to virtual resource rating model into
Row training obtains each to the corresponding output data of training grading virtual resource.
Step 306, data processing server is according to each to the corresponding output data of training grading virtual resource and each
The functional value of objective function is calculated to the corresponding virtual resource risk class label of training grading virtual resource, until target
The functional value of function meets the condition of convergence, the virtual resource rating model trained.
It is specifically, each after the corresponding output data of training grading virtual resource in the output of virtual resource rating model,
According to each to the corresponding output data of training grading virtual resource and each to the corresponding virtual money of training grading virtual resource
The functional value of objective function is calculated in source risk class label.Goal function is loss function, be can be used for virtual
The function of the model parameter adjustment of resource rating model.After the functional value of objective function is calculated, according to objective function
Functional value is adjusted the model parameter of virtual resource risk class label, until the functional value of objective function meets convergence item
Part, the virtual resource rating model trained.Wherein the condition of convergence can customize, customized to can be when objective function
When functional value reaches minimum, it is believed that meet the condition of convergence, then export trained virtual resource rating model.
Wherein, the functional value of the objective function for the virtual resource rating model trained can be counted according to the following formula
It calculates:
Training sample (x, y), model h, model parameter θ, it is any can measure value h (θ) that model prediction comes out with
The function of difference between true value y can be called cost function C (θ), and total cost function J (θ) can be used to evaluate mould
The quality of type, cost function is smaller to illustrate that model and parameter more meet training sample (x, y)；
Wherein, m: the number of training sample, i.e., to each to training grading in training grading virtual resource data acquisition system
Virtual resource；
H θ (x): with parameter θ and x predict come y value, i.e., the corresponding output data of each training sample；
Y: the y value in former training sample, that is, model answer, the y value in former training sample just refer to each wait train
Grading virtual resource and corresponding virtual resource risk class label；
Superscript (i): i-th of training sample.
In one embodiment, virtual resource risk rating method further include: application server judges virtual resource wind
Whether dangerous grade meets default virtual resource risk class condition, if satisfied, then executing application server according to virtual resource wind
Dangerous grade determines the step of corresponding virtualization pool interaction qualification；Otherwise, then application server will virtual resource number be graded
Virtual resource transfer cell blacklist is included into according to corresponding virtual resource to be graded.
Wherein, it can be just included into due to only meeting preset condition with the virtual resource data of virtualization pool interaction qualification
Virtual resource transfer cell, for no virtualization pool interaction qualification virtual resource data or virtual resource risk class compared with
High virtual resource data can not then be included into virtual resource transfer cell, because these can not be included into the virtual of virtual resource transfer cell
The risk of resource data is too high to be easy to bring drawback to resource transfers person, therefore these virtual resource data need to be added to virtual money
Source transfer cell blacklist.And the virtual resource data of virtual resource transfer cell blacklist then do not show terminal user to refer to.Tool
Body, before determining corresponding virtualization pool interaction qualification according to virtual resource risk class, judge virtual resource risk
Whether grade meets default virtual resource risk class condition, if satisfied, then executing according to determining pair of virtual resource risk class
The step of virtualization pool interaction qualification answered；It otherwise, then will the corresponding virtual resource to be graded of virtual resource data be graded
It is included into virtual resource transfer cell blacklist.
In one embodiment, virtual resource risk rating method further include: application server judges virtual resource wind
When whether dangerous grade is default virtual resource risk class, when virtual resource risk class is default virtual resource risk class
When, application server obtains the corresponding virtual resource income amplitude information to be graded of virtual resource data to be graded；Application service
Device obtains corresponding destination virtual resource risk class according to virtual resource income amplitude information to be graded determination, works as destination virtual
When resource risk class meets default virtual resource risk class condition, then application server is executed according to virtual resource risk etc.
Grade determines the step of corresponding virtualization pool interaction qualification.
Wherein, since the virtual resource data of high type in some virtual resource risk class may be since virtual resource is commented
Grade model error in judgement needs to improve the accuracy of virtual resource transfer cell and the reliability of virtual resource risk rating
When judging whether virtual resource risk class is default virtual resource risk class, when virtual resource risk class is default virtual
When resource risk class, the corresponding virtual resource income amplitude information to be graded of virtual resource data to be graded is obtained.Wherein, in advance
If virtual resource risk class can customize, the customized risk class that can be middle high type, or carried out according to service request
It determines.And virtual resource income amplitude information to be graded refers to the income width of virtual resource data to be graded within a preset period of time
Degree evidence can be and increase data or lower drop data.
Further, corresponding destination virtual resource risk is obtained according to virtual resource income amplitude information to be graded determination
Grade is then executed according to virtual resource when destination virtual resource risk class meets default virtual resource risk class condition
Risk class determines the step of corresponding virtualization pool interaction qualification.
In one embodiment, virtual resource risk rating method further include: application server obtains virtual resource and turns
The virtual resource set in pond is moved, virtual resource set includes multiple virtual resources；Application server sends out virtual resource set
It send to terminal, terminal receives virtual resource acquisition request, virtual resource acquisition request for storing virtual resource set
Virtual resource mark is carried, virtual resource mark is acquired from virtual resource set according to virtual resource acquisition request and corresponds to
Destination virtual resource, by destination virtual resource supplying to terminal user.
Specifically, application server obtains the virtual resource set in virtual resource transfer cell, and virtual resource set includes
Then virtual resource set is sent to terminal again by multiple virtual resources.Wherein each virtual resource in virtual resource set
It is for reference, and the virtual resource in virtual resource set is all the directly proportional virtual resource of risk and return relationship between.Wherein,
Virtual resource in virtual resource transfer cell is assessed using scientific method, and manual evaluation compared with prior art is empty
The reliability in quasi- resource transfers pond is higher, virtual resource transfer cell is pushed to terminal user, terminal receives virtual resource collection
After conjunction, stored.After terminal receives virtual resource acquisition request, wherein carried in virtual resource acquisition request empty
Quasi- resource identification, and virtual resource acquisition request is the request for request virtual resource set.Further, terminal is again
Virtual resource is acquired from virtual resource set according to virtual resource acquisition request and identifies corresponding destination virtual resource, it will
Destination virtual resource supplying is to terminal user.Finally, terminal user can purchase destination virtual resource, Huo Zheliao according to actual needs
The details for solving destination virtual resource, can be bought according to actual needs.
It should be understood that although each step in above-mentioned flow chart is successively shown according to the instruction of arrow, this
A little steps are not that the inevitable sequence according to arrow instruction successively executes.Unless expressly state otherwise herein, these steps
It executes there is no the limitation of stringent sequence, these steps can execute in other order.Moreover, in above-mentioned flow chart at least
A part of step may include that perhaps these sub-steps of multiple stages or stage are not necessarily in same a period of time to multiple sub-steps
Quarter executes completion, but can execute at different times, the execution in these sub-steps or stage be sequentially also not necessarily according to
Secondary progress, but in turn or can replace at least part of the sub-step or stage of other steps or other steps
Ground executes.
In one embodiment, as shown in figure 4, providing a kind of virtual resource risk rating system, which includes:
Virtual resource data to be graded are sent to number for obtaining virtual resource data to be graded by application server 402
According to processing server.
Data processing server 404 is commented for virtual resource data to be graded to be input to trained virtual resource
In grade model, the corresponding virtual resource risk class of virtual resource data to be graded is calculated, and return to virtual resource risk
Grade is to application server.
Application server 402 is also used to determine corresponding virtualization pool interaction qualification according to virtual resource risk class,
If virtualization pool interaction qualification meets preset condition, virtual resource data to be graded are included into virtual resource transfer cell,
Virtual resource transfer cell is sent to terminal.
Terminal 406, for showing the virtual resource data in virtual resource transfer cell.
In one embodiment, application server 402 are also used to obtain the virtual resource collection in virtual resource transfer cell
It closes, virtual resource set includes multiple virtual resources, and virtual resource set is sent to terminal；
Terminal 406 is also used to store virtual resource set, receives virtual resource acquisition request, and virtual resource obtains
It takes request to carry virtual resource mark, virtual resource mark is acquired from virtual resource set according to virtual resource acquisition request
Corresponding destination virtual resource is known, by destination virtual resource supplying to terminal user.
In one embodiment, application server 402 is also used to obtain to training grading virtual resource data acquisition system, wait instruct
Practicing grading virtual resource data acquisition system includes each wait train grading virtual resource and corresponding virtual resource risk class label,
Data processing server will be sent to training grading virtual resource data acquisition system；
Data processing server 404, virtual resource will be input to training grading virtual resource data acquisition system by, which being also used to, comments
Grade model is trained, obtain it is each to the corresponding output data of training grading virtual resource, according to each empty to training grading
Intend the corresponding output data of resource and each wait train the corresponding virtual resource risk class label of grading virtual resource to calculate
To the functional value of objective function, until the functional value of objective function meets the condition of convergence, the virtual resource trained is graded
Model.
In one embodiment, as shown in figure 5, providing a kind of virtual resource risk rating device 500, comprising:
Virtual resource data acquisition module 502 to be graded, for obtaining virtual resource data to be graded.
Virtual resource data transmission blocks 504 to be graded, for virtual resource data to be graded to be sent to server, with
Be input to server virtual resource data to be graded in trained virtual resource rating model, is calculated wait grade
The corresponding virtual resource risk class of virtual resource data, and return to virtual resource risk class.
Virtualization pool interacts qualification determining module 506, corresponding virtual for being determined according to virtual resource risk class
Resource pool interacts qualification.
Virtualization pool interacts qualification judgment module 508, if meet preset condition for virtualization pool interaction qualification,
Virtual resource data to be graded then are included into virtual resource transfer cell.
Virtual resource transfer cell sending module 510, for virtual resource transfer cell to be sent to terminal, so that terminal display
Virtual resource data in virtual resource transfer cell.
Specific restriction about virtual resource risk rating device may refer to above for virtual resource risk rating
The restriction of method, details are not described herein.Modules in above-mentioned virtual resource risk rating device can be fully or partially through
Software, hardware and combinations thereof are realized.Above-mentioned each module can be embedded in the form of hardware or independently of the place in computer equipment
It manages in device, can also be stored in a software form in the memory in computer equipment, in order to which processor calls execution or more
The corresponding operation of modules.
In one embodiment, a kind of computer equipment is provided, which can be server, internal junction
Composition can be as shown in Figure 6.The computer equipment include by system bus connect processor, memory, network interface and
Database.Wherein, the processor of the computer equipment is for providing calculating and control ability.The memory packet of the computer equipment
Include non-volatile memory medium, built-in storage.The non-volatile memory medium is stored with operating system, computer program and data
Library.The built-in storage provides environment for the operation of operating system and computer program in non-volatile memory medium.The calculating
The database of machine equipment is for storing virtual resource transfer cell.The network interface of the computer equipment is used for logical with external terminal
Cross network connection communication.To realize a kind of virtual resource risk rating method when the computer program is executed by processor.
It will be understood by those skilled in the art that structure shown in Fig. 6, only part relevant to application scheme is tied
The block diagram of structure does not constitute the restriction for the computer equipment being applied thereon to application scheme, specific computer equipment
It may include perhaps combining certain components or with different component layouts than more or fewer components as shown in the figure.
In one embodiment, a kind of computer equipment, including memory and processor are provided, which is stored with
Computer program, the processor perform the steps of when executing computer program and obtain virtual resource data to be graded；It will be to be evaluated
Grade virtual resource data are sent to server so that server will virtual resource data be graded be input to it is trained virtual
In resource rating model, the corresponding virtual resource risk class of virtual resource data to be graded is calculated, and returns to virtual money
Source risk class；Corresponding virtualization pool interaction qualification is determined according to virtual resource risk class；If virtualization pool interaction
When qualification meets preset condition, then virtual resource data to be graded are included into virtual resource transfer cell；By virtual resource transfer cell
It is sent to terminal, so that the virtual resource data in terminal display virtual resource transfer cell.
In one embodiment, it also performs the steps of and is obtained to training grading void when processor executes computer program
Quasi- resource data set includes each to training grading virtual resource and corresponding void to training grading virtual resource data acquisition system
Quasi- resource risk class label；Virtual resource rating model will be input to training grading virtual resource data acquisition system to instruct
Practice, obtains each to the corresponding output data of training grading virtual resource；According to each corresponding to training grading virtual resource
Output data and each objective function is calculated to the corresponding virtual resource risk class label of training grading virtual resource
Functional value, until the functional value of objective function meets the condition of convergence, the virtual resource rating model trained.
In one embodiment, it is also performed the steps of when processor executes computer program and judges virtual resource risk
Whether grade meets default virtual resource risk class condition, if satisfied, then executing according to determining pair of virtual resource risk class
The step of virtualization pool interaction qualification answered；It otherwise, then will the corresponding virtual resource to be graded of virtual resource data be graded
It is included into virtual resource transfer cell blacklist.
In one embodiment, it is also performed the steps of when processor executes computer program and judges virtual resource risk
When whether grade is default virtual resource risk class, when virtual resource risk class is default virtual resource risk class,
Obtain the corresponding virtual resource income amplitude information to be graded of virtual resource data to be graded；According to virtual resource income to be graded
Amplitude information determination obtains corresponding destination virtual resource risk class, presets virtually when destination virtual resource risk class meets
When resource risk class condition, then the step that corresponding virtualization pool interaction qualification is determined according to virtual resource risk class is executed
Suddenly.
In one embodiment, it is also performed the steps of when processor executes computer program and obtains virtual resource transfer
Virtual resource set in pond, virtual resource set include multiple virtual resources；Virtual resource set is sent to terminal, so that
Terminal stores virtual resource set, receives virtual resource acquisition request, and virtual resource acquisition request carries virtual resource
Mark acquires virtual resource from virtual resource set according to virtual resource acquisition request and identifies corresponding destination virtual money
Source, by destination virtual resource supplying to terminal user.
In one embodiment, a kind of computer readable storage medium is provided, computer program is stored thereon with, is calculated
Machine program performs the steps of when being executed by processor obtains virtual resource data to be graded；It will virtual resource data be graded
It is sent to server, so that virtual resource data to be graded are input to trained virtual resource rating model by server
In, the corresponding virtual resource risk class of virtual resource data to be graded is calculated, and return to virtual resource risk class；Root
Corresponding virtualization pool interaction qualification is determined according to virtual resource risk class；If virtualization pool interaction qualification meets default item
When part, then virtual resource data to be graded are included into virtual resource transfer cell；Virtual resource transfer cell is sent to terminal, so that
Virtual resource data in terminal display virtual resource transfer cell.
In one embodiment, it also performs the steps of and is obtained to training grading void when processor executes computer program
Quasi- resource data set includes each to training grading virtual resource and corresponding void to training grading virtual resource data acquisition system
Quasi- resource risk class label；Virtual resource rating model will be input to training grading virtual resource data acquisition system to instruct
Practice, obtains each to the corresponding output data of training grading virtual resource；According to each corresponding to training grading virtual resource
Output data and each objective function is calculated to the corresponding virtual resource risk class label of training grading virtual resource
Functional value, until the functional value of objective function meets the condition of convergence, the virtual resource rating model trained.
In one embodiment, it is also performed the steps of when processor executes computer program and judges virtual resource risk
Whether grade meets default virtual resource risk class condition, if satisfied, then executing according to determining pair of virtual resource risk class
The step of virtualization pool interaction qualification answered；It otherwise, then will the corresponding virtual resource to be graded of virtual resource data be graded
It is included into virtual resource transfer cell blacklist.
In one embodiment, it is also performed the steps of when processor executes computer program and judges virtual resource risk
When whether grade is default virtual resource risk class, when virtual resource risk class is default virtual resource risk class,
Obtain the corresponding virtual resource income amplitude information to be graded of virtual resource data to be graded；According to virtual resource income to be graded
Amplitude information determination obtains corresponding destination virtual resource risk class, presets virtually when destination virtual resource risk class meets
When resource risk class condition, then the step that corresponding virtualization pool interaction qualification is determined according to virtual resource risk class is executed
Suddenly.
In one embodiment, it is also performed the steps of when processor executes computer program and obtains virtual resource transfer
Virtual resource set in pond, virtual resource set include multiple virtual resources；Virtual resource set is sent to terminal, so that
Terminal stores virtual resource set, receives virtual resource acquisition request, and virtual resource acquisition request carries virtual resource
Mark acquires virtual resource from virtual resource set according to virtual resource acquisition request and identifies corresponding destination virtual money
Source, by destination virtual resource supplying to terminal user.
Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, being can be with
Relevant hardware is instructed to complete by computer program, the computer program can be stored in a non-volatile computer
In read/write memory medium, the computer program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.Wherein,
To any reference of memory, storage, database or other media used in each embodiment provided herein,
Including non-volatile and/or volatile memory.Nonvolatile memory may include read-only memory (ROM), programming ROM
(PROM), electrically programmable ROM (EPROM), electrically erasable ROM (EEPROM) or flash memory.Volatile memory may include
Random access memory (RAM) or external cache.By way of illustration and not limitation, RAM is available in many forms,
Such as static state RAM (SRAM), dynamic ram (DRAM), synchronous dram (SDRAM), double data rate sdram (DDRSDRAM), enhancing
Type SDRAM (ESDRAM), synchronization link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM
(RDRAM), direct memory bus dynamic ram (DRDRAM) and memory bus dynamic ram (RDRAM) etc..
Each technical characteristic of above embodiments can be combined arbitrarily, for simplicity of description, not to above-described embodiment
In each technical characteristic it is all possible combination be all described, as long as however, the combination of these technical characteristics be not present lance
Shield all should be considered as described in this specification.
The several embodiments of the application above described embodiment only expresses, the description thereof is more specific and detailed, but simultaneously
It cannot therefore be construed as limiting the scope of the patent.It should be pointed out that coming for those of ordinary skill in the art
It says, without departing from the concept of this application, various modifications and improvements can be made, these belong to the protection of the application
Range.Therefore, the scope of protection shall be subject to the appended claims for the application patent.
Claims (10)
1. a kind of virtual resource risk rating method, which comprises
Application server obtains virtual resource data to be graded；
The virtual resource data to be graded are sent to data processing server, the data processing clothes by the application server
Institute is calculated for the virtual resource data to be graded to be input in trained virtual resource rating model in business device
The corresponding virtual resource risk class of virtual resource data to be graded is stated, and returns to the virtual resource risk class and is answered to described
Use server；
The application server determines corresponding virtualization pool interaction qualification according to the virtual resource risk class；
If virtualization pool interaction qualification meets preset condition, the application server is by the virtual resource to be graded
Data are included into virtual resource transfer cell；
The virtual resource transfer cell is sent to terminal by the application server, and the terminal is for showing the virtual resource
Virtual resource data in transfer cell.
2. the method according to claim 1, wherein the method also includes:
The application server judges whether the virtual resource risk class meets default virtual resource risk class condition, if
Meet, then executes the application server according to the virtual resource risk class and determine corresponding virtualization pool interaction qualification
The step of；
Otherwise, then the corresponding virtual resource to be graded of the virtual resource data to be graded is included into virtually by the application server
Resource transfers pond blacklist.
3. according to the method described in claim 2, it is characterized in that, the method also includes:
When the application server judges whether the virtual resource risk class is default virtual resource risk class, when described
When virtual resource risk class is the default virtual resource risk class, the application server obtains virtual resource to be graded
The corresponding virtual resource income amplitude information to be graded of data；
The application server determines that obtaining corresponding destination virtual provides according to the virtual resource income amplitude information to be graded
Source risk class is then held when the destination virtual resource risk class meets the default virtual resource risk class condition
The step of row application server determines corresponding virtualization pool interaction qualification according to the virtual resource risk class.
4. the method according to claim 1, wherein the method also includes:
The application server obtains the virtual resource set in the virtual resource transfer cell, and the virtual resource set includes
Multiple virtual resources；
The virtual resource set is sent to the terminal by the application server, and the terminal is used for the virtual resource
Set is stored, and receives virtual resource acquisition request, the virtual resource acquisition request carries virtual resource mark, according to institute
It states virtual resource acquisition request and acquires the corresponding destination virtual of the virtual resource mark from the virtual resource set
Resource, by the destination virtual resource supplying to terminal user.
5. the method according to claim 1, wherein virtual resource described in the data processing server is graded
The training step of model includes:
The data processing server is obtained to training grading virtual resource data acquisition system, described to training grading virtual resource number
It include each to training grading virtual resource and corresponding virtual resource risk class label according to set；
The data processing server is input to virtual resource rating model to training grading virtual resource data acquisition system for described
It is trained, obtains each to the corresponding output data of training grading virtual resource；
The data processing server is according to each described to the corresponding output data of training grading virtual resource and each wait instruct
Practice the functional value that objective function is calculated in the corresponding virtual resource risk class label of grading virtual resource, until the target
The functional value of function meets the condition of convergence, the virtual resource rating model trained.
6. a kind of virtual resource risk rating system, which is characterized in that the system comprises:
The virtual resource data to be graded are sent to data for obtaining virtual resource data to be graded by application server
Processing server；
Data processing server, for the virtual resource data to be graded to be input to trained virtual resource grading mould
In type, the corresponding virtual resource risk class of the virtual resource data to be graded is calculated, and return to the virtual resource
Risk class is to the application server；
The application server is also used to determine corresponding virtualization pool interaction qualification according to the virtual resource risk class,
If the virtualization pool interaction qualification meets preset condition, the virtual resource data to be graded are included into virtual resource
The virtual resource transfer cell is sent to terminal by transfer cell；
The terminal, for showing the virtual resource data in the virtual resource transfer cell.
7. system according to claim 6, which is characterized in that the application server is also used to obtain the virtual money
Virtual resource set in the transfer cell of source, the virtual resource set include multiple virtual resources, by the virtual resource set
It is sent to terminal；
The terminal is also used to store the virtual resource set, receives virtual resource acquisition request, the virtual money
Source acquisition request carries virtual resource mark, is obtained from the virtual resource set according to the virtual resource acquisition request
Corresponding destination virtual resource is identified to the virtual resource, by the destination virtual resource supplying to terminal user.
8. system according to claim 6, which is characterized in that the application server is also used to obtain empty to training grading
Quasi- resource data set, described to training grading virtual resource data acquisition system includes each to training grading virtual resource and correspondence
Virtual resource risk class label, by it is described to training grading virtual resource data acquisition system be sent to the data processing service
Device；
The data processing server is also used to comment described wait train grading virtual resource data acquisition system to be input to virtual resource
Grade model is trained, and obtains each to the corresponding output data of training grading virtual resource, described is commented to training according to each
The corresponding output data of grade virtual resource and each to the corresponding virtual resource risk class label meter of training grading virtual resource
Calculation obtains the functional value of objective function, and until the functional value of the objective function meets the condition of convergence, that has been trained is virtual
Resource rating model.
9. a kind of computer equipment, including memory and processor, the memory are stored with computer program, feature exists
In the step of processor realizes any one of claims 1 to 5 the method when executing the computer program.
10. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that the computer program
The step of method described in any one of claims 1 to 5 is realized when being executed by processor.
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