JP6253573B2 - Method, program and system for remotely assessing decision-making ability of an examinee in economic activities - Google Patents
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Description
本発明は、被検査者の経済活動における意思決定能力を遠隔評価する方法、プログラム及びシステムに関する。 The present invention relates to a method, a program, and a system for remotely evaluating a decision making ability of an examinee in economic activities.
高齢化の進展に伴い、高齢者の経済活動に関する問題が浮上してきている。高齢者が日常生活を営む上で最も重要な能力を経済行為能力といい、経済行為能力には食品や日用品の購入や金融機関の利用といった日常的な行為、不動産売買やローンや保険等の契約、書面による契約締結を伴う重要な財産行為が含まれるが、この経済行為能力の低下により、高齢者が詐欺や不当契約等のトラブルに巻き込まれるリスクが増大している（非特許文献１）。 With the progress of aging, problems related to the economic activities of the elderly are emerging. The most important ability for an elderly person to live a daily life is called economic ability, which includes daily activities such as the purchase of food and daily necessities and the use of financial institutions, real estate transactions, loans and insurance contracts. In addition, important property acts involving the conclusion of contracts in writing are included, but due to the decline in economic ability, there is an increased risk that the elderly will be involved in troubles such as fraud and unfair contracts (Non-Patent Document 1).
一方で、高齢者がある金融商品を購入した後で、銀行側の説明の時には意思能力については問題がないと判断して取引を行ったが、後に認知症であったという診断書が家族から提出される等のトラブルもある。 On the other hand, after buying a financial product for an elderly person, at the time of explanation by the bank, it was judged that there was no problem with the willing ability, but later the medical certificate that it was dementia was received from the family There are also problems such as submission.
高齢者の経済活動における意思決定能力を評価し、上記のようなトラブルから高齢者の財産を守ることは非常に重要である。 It is very important to evaluate elderly people's ability to make decisions in economic activities and protect the elderly's assets from the above problems.
経済活動における意思決定能力の低下は、加齢や認知機能の低下等と関連すると考えられているが、必ずしも高齢であることが高齢者の意思決定能力の低下を意味するとは限らず、また、認知機能が若干低下していたとしても、取引を行うことが支障がない場合もある。しかしながら、これまでは、認知機能に関するビデオを用いた遠隔検査又は診断も存在せず、高齢者が経済活動を行いたいときに、その人の経済活動における意思決定能力をその場で客観的に評価することは困難であった。 Decline in decision-making ability in economic activities is thought to be related to aging, cognitive decline, etc., but being older does not necessarily mean a decline in decision-making ability of the elderly, Even if the cognitive function is slightly reduced, there is a case where there is no problem in conducting the transaction. Until now, however, there has been no remote examination or diagnosis using video on cognitive functions, and when elderly people want to conduct economic activities, they can objectively evaluate their ability to make decisions in economic activities on the spot. It was difficult to do.
本発明の目的は、医師、臨床心理技術者、又は認知機能検査の専門的訓練を受けた者により作成された信頼性の高い検査結果を利用して、セキュリティを確保しつつ、被検査者の経済活動における意思決定能力を遠隔評価する方法、プログラム、及びシステムを提供することである。 The purpose of the present invention is to use a highly reliable test result created by a doctor, a clinical psychology engineer, or a person who has undergone specialized training in cognitive function testing, while ensuring security, To provide a method, program and system for remotely assessing decision-making ability in economic activities.
上記課題を解決するために、本発明は以下を要旨とする。
［１］ 医師、臨床心理技術者、又は認知機能検査の専門的訓練を受けた者である検査者と認知機能の低下の疑いがある被検査者との間のビデオ及び音声による双方向の対話機能を提供するビデオ会議システムと、検査者側の検査者端末とユーザ端末とをネットワークを介して接続する管理サーバ装置とを用いて、被検査者の経済活動における意思決定能力を遠隔評価する方法であって、管理サーバ装置は、ビデオ会議システムを介した検査者と被検査者との間のビデオ及び音声による双方向の対話に基づいて検査者により作成された被検査者の検査データを取得し、検査データ又は検査データに基づいて作成された被検査者の経済活動における意思能力判定用データを、ユーザ端末に送信することを特徴とする遠隔評価方法。
［２］ユーザ端末が、検査データ又は意思能力判定用データに基づいて、被検査者が経済活動における意思決定能力を有するか否かを判定することをさらに含むことを特徴とする［１］に記載の遠隔評価方法。
［３］ 医師、臨床心理技術者、又は認知機能検査の専門的訓練を受けた者である検査者と認知機能の低下の疑いがある被検査者との間のビデオ及び音声による双方向の対話機能を提供するビデオ会議システムと、検査者側の検査者端末とユーザ端末とをネットワークを介して接続する管理サーバ装置とを用いて、被検査者の経済活動における意思決定能力を遠隔評価する方法であって、管理サーバ装置は、ビデオ会議システムを介した検査者と被検査者との間のビデオ及び音声による双方向の対話に基づいて検査者により作成された被検査者の検査データを取得し、検査データ又は検査データに基づいて作成された被検査者の経済活動における意思能力判定用データに基づいて、被検査者が経済活動における意思決定能力を有するか否かを判定することを特徴とする遠隔評価方法。
［４］検査データは、（１）感覚、（２）遂行、及び（３）記憶、の３つの機能の分類に関する検査結果を含むことを特徴とする［１］に記載の遠隔評価方法。
［５］ 判定することは、管理サーバ装置又はユーザ端末が、被検査者の検査データ又は意思能力判定用データを、ある契約に必要な意思決定能力を示す基準データと比較し、被検査者の検査データ又は意思能力判定用データが基準データの基準に達しない場合に、被検査者にある契約に必要な意思決定能力がないと判定することをさらに含むことを特徴とする［２］又は［３］に記載の遠隔評価方法。
［６］ 医師、臨床心理技術者、又は認知機能検査の専門的訓練を受けた者である検査者と認知機能の低下の疑いがある被検査者との間のビデオ及び音声による双方向の対話機能を提供するビデオ会議システムと、検査者側の検査者端末とユーザ端末とをネットワークを介して接続する管理サーバ装置とを用いて、被検査者の経済活動における意思決定能力を遠隔評価するプログラムであって、管理サーバ装置を、ビデオ会議システムを介した検査者と被検査者との間のビデオ及び音声による双方向の対話に基づいて検査者により作成された被検査者の検査データを取得し、検査データ又は検査データに基づいて作成された被検査者の経済活動における意思能力判定用データを、ユーザ端末に送信する処理を実行する手段として機能させることを特徴とする遠隔評価プログラム。
［７］ユーザ端末を、検査データ又は意思能力判定用データに基づいて、被検査者が経済活動における意思決定能力を有するか否かを判定する処理を実行する手段として機能させることを特徴とする［６］に記載の遠隔評価プログラム。
［８］ 医師、臨床心理技術者、又は認知機能検査の専門的訓練を受けた者である検査者と認知機能の低下の疑いがある被検査者との間のビデオ及び音声による双方向の対話機能を提供するビデオ会議システムと、検査者側の検査者端末と被検査者のユーザ端末とをネットワークを介して接続する管理サーバ装置とを用いて、被検査者の経済活動における意思決定能力を遠隔評価するプログラムであって、管理サーバ装置を、ビデオ会議システムを介した検査者と被検査者との間のビデオ及び音声による双方向の対話に基づいて検査者により作成された被検査者の検査データを取得し、検査データ又は検査データに基づいて作成された被検査者の経済活動における意思能力判定用データに基づいて、被検査者が経済活動における意思決定能力を有するか否かを判定する処理を実行する手段として機能させることを特徴とする遠隔評価プログラム。
［９］医師、臨床心理技術者、又は認知機能検査の専門的訓練を受けた者である検査者と認知機能の低下の疑いがある被検査者との間のビデオ及び音声による双方向の対話機能を提供するビデオ会議システムと、検査者側の検査者端末とユーザ端末とをネットワークを介して接続する管理サーバ装置とを用いて、被検査者の経済活動における意思決定能力を遠隔評価するプログラムであって、ユーザ端末を、ビデオ会議システムを介した検査者と被検査者との間のビデオ及び音声による双方向の対話に基づいて検査者により作成された被検査者の検査データ又は検査データに基づいて作成された被検査者の経済活動における意思能力判定用データを管理サーバ装置から取得し、検査データ又は意思能力判定用データに基づいて、被検査者が経済活動における意思決定能力を有するか否かを判定する処理を実行する手段として機能させることを特徴とする遠隔評価プログラム。
［１０］被検査者の経済活動における意思決定能力の遠隔評価システムであって、医師、臨床心理技術者、又は認知機能検査の専門的訓練を受けた者である検査者と認知機能の低下の疑いがある被検査者との間のビデオ及び音声による双方向の対話機能を提供するビデオ会議システムと、検査者側の検査者端末とユーザ端末とをネットワークを介して接続する管理サーバ装置とを備え、管理サーバ装置は、ビデオ会議システムを介した検査者と被検査者との間のビデオ及び音声による双方向の対話に基づいて検査者により作成された被検査者の検査データを取得し、検査データ又は検査データに基づいて作成された被検査者の経済活動における意思能力判定用データを、ユーザ端末に送信することを特徴とする遠隔評価システム。
［１１］ユーザ端末が、検査データ又は意思能力判定用データに基づいて、被検査者が経済活動における意思決定能力を有するか否かを判定することを特徴とする［１０］に記載の遠隔評価システム。
［１２］被検査者の経済活動における意思決定能力の遠隔評価システムであって、医師、臨床心理技術者、又は認知機能検査の専門的訓練を受けた者である検査者と認知機能の低下の疑いがある被検査者との間のビデオ及び音声による双方向の対話機能を提供するビデオ会議システムと、検査者側の検査者端末とユーザ端末とをネットワークを介して接続する管理サーバ装置とを備え、管理サーバ装置は、ビデオ会議システムを介した検査者と被検査者との間のビデオ及び音声による双方向の対話に基づいて検査者により作成された被検査者の検査データを取得し、検査データ又は検査データに基づいて作成された被検査者の経済活動における意思能力判定用データに基づいて、被検査者が経済活動における意思決定能力を有するか否かを判定することを特徴とする遠隔評価システム。
In order to solve the above problems, the present invention has the following gist.
[1] Two-way video and audio interaction between a doctor, clinical psychologist, or an examiner who has received specialized training in cognitive function testing and a subject suspected of having cognitive decline by using the video conference system provides the function, a management server device that connects the test terminal and the user chromatography the terminal of the inspector side via a network, remote evaluate the decision making in the economy of the examinee The management server device includes: inspection data of the inspected person created by the inspector based on interactive video and audio interaction between the inspector and the inspected person via the video conference system. A remote evaluation method characterized by transmitting inspection data or data for determination of intention ability in the economic activity of the inspected person created based on the inspection data to the user terminal.
[2] The method according to [1], further comprising: determining whether or not the inspected person has the decision-making ability in the economic activity based on the inspection data or the data for determination of intention ability. The described remote evaluation method.
[3] Two-way video and audio interaction between doctors, clinical psychologists, examiners who have received specialized training in cognitive function tests, and examinees suspected of having cognitive decline by using the video conference system provides the function, a management server device that connects the test terminal and the user chromatography the terminal of the inspector side via a network, remote evaluate the decision making in the economy of the examinee The management server device includes: inspection data of the inspected person created by the inspector based on interactive video and audio interaction between the inspector and the inspected person via the video conference system. And whether or not the subject has the decision-making ability in economic activity based on the test data or the data for judging the ability of the subject in economic activity created based on the test data. A remote evaluation method characterized by determining.
[4] The remote evaluation method according to [1], wherein the test data includes a test result relating to a classification of three functions of (1) sense, (2) performance, and (3) memory.
[5] The determination is that the management server device or the user terminal compares the inspection data of the person to be inspected or the data for determination of intention ability with the reference data indicating the decision-making ability necessary for a certain contract, [2] or [2], further comprising determining that the contract of the inspected person does not have the necessary decision-making ability when the inspection data or the data for determination of intention ability does not reach the standard of the reference data 3] The remote evaluation method according to [3].
[6] Two-way video and audio interaction between a doctor, clinical psychologist, or an examiner who has received specialized training in cognitive function testing and a subject suspected of having cognitive impairment by using the video conference system provides the function, a management server device that connects the test terminal and the user chromatography the terminal of the inspector side via a network, remote evaluate the decision making in the economy of the examinee Inspection data of the inspected person created by the inspector based on the interactive video and audio interaction between the inspector and the inspected person via the video conference system. , And function as a means for executing a process of transmitting to the user terminal the test ability determination data in the economic activity of the inspected person created based on the test data or the test data Remote evaluation program characterized by
[7] The user terminal is caused to function as means for executing a process for determining whether or not the inspected person has a decision-making ability in economic activity based on the inspection data or the data for determination of intention ability. The remote evaluation program according to [6].
[8] Two-way video and audio interaction between a doctor, clinical psychologist, or an examiner who has received specialized training in cognitive function testing and a subject suspected of having cognitive decline Using the video conference system that provides the function and the management server device that connects the inspector terminal on the inspector side and the user terminal of the inspector over the network, the ability to make decisions on the inspector's economic activities A remote evaluation program for managing a management server device created by an inspector based on interactive video and audio interaction between an inspector and an inspected person via a video conference system. Acquire test data, and the test subject has the ability to make decision-making in economic activity based on the test data or the data for determination of the ability of the test subject in the economic activity created based on the test data. A remote evaluation program that functions as means for executing processing for determining whether or not to have a remote evaluation program.
[9] Two-way video and audio interaction between a doctor, a clinical psychologist, or an examiner who has received specialized training in cognitive function testing and a subject suspected of having cognitive decline by using the video conference system provides the function, a management server device that connects the test terminal and the user chromatography the terminal of the inspector side via a network, remote evaluate the decision making in the economy of the examinee An inspection data of an inspected person created by an inspector based on interactive video and audio interaction between the inspector and the inspected person via the video conference system Data for determination of intention ability in the economic activity of the inspected person created based on the inspection data is acquired from the management server device, and the inspected person passes the inspection data or data for determination of intention ability based on the inspection data. Remote evaluation program for causing to function as a means for performing a process of determining whether or not having a decision making in activity.
[10] A remote evaluation system for decision-making ability in an examinee's economic activities, including a doctor, a clinical psychology engineer, or an examiner who has received specialized training in cognitive function tests video conferencing system and a management server device that connects the test terminal and the user chromatography the terminal of the inspector side through a network that provides two-way interactivity by video and audio between the suspected examinee The management server device obtains inspection data of the inspected person created by the inspector based on interactive video and audio interaction between the inspector and the inspected person via the video conference system. And the remote evaluation system characterized by transmitting the test data or the data for determination of intention ability in the economic activity of the inspected person created based on the test data to the user terminal.
[11] The remote evaluation according to [10], wherein the user terminal determines whether the inspected person has a decision-making ability in economic activity based on the inspection data or the data for determination of intention ability. system.
[12] A remote evaluation system for decision-making ability in an examinee's economic activities, including a doctor, a clinical psychology engineer, or an examiner who has received specialized training in cognitive function tests video conferencing system and a management server device that connects the test terminal and the user chromatography the terminal of the inspector side through a network that provides two-way interactivity by video and audio between the suspected examinee The management server device obtains inspection data of the inspected person created by the inspector based on interactive video and audio interaction between the inspector and the inspected person via the video conference system. Whether or not the subject has decision-making ability in economic activities is determined based on the examination data or the data for determination of decision-making ability in economic activities created based on the examination data. Remote evaluation system, characterized by.
本発明によれば、検査者が遠隔にいる場合でも被検査者の経済活動における意思決定能力をより信頼性が高くセキュリティが確保された方法で評価できるため、被検査者の意思決定能力欠如により生じる望ましくない経済的損失や事故を未然に防止することが可能となる。また、被検査者である顧客に金銭取引を伴う契約が生じるサービスを提供する機関も、サービスを提供するか否かをより客観的な方法で判定でき、より円滑かつ安全に業務を行うことができる。 According to the present invention, even when the inspector is remote, the decision-making ability in the economic activity of the inspected person can be evaluated by a more reliable and secure method. It is possible to prevent undesired economic losses and accidents that occur. In addition, organizations that provide services that involve contracts involving money transactions with customers who are inspected can also determine whether or not to provide services in a more objective manner, and are able to conduct business more smoothly and safely. it can.
本明細書において、「経済活動における意思決定能力」とは、ある人が、金融商品、食品、日用品等の商品の購入、金融取引の遂行、不動産の売買、又はローン若しくは保険の契約を初めとする、金銭取引を伴う契約を行う際に、自らの意思決定ができる能力を指す。 In this specification, “decision-making ability in economic activities” means that a person purchases a product such as a financial product, food, daily necessities, conducts a financial transaction, buys and sells real estate, or starts a loan or insurance contract. This refers to the ability to make decisions when making a contract involving money transactions.
本明細書において、「認知機能の低下の疑いがある」とは、高齢、疾病等により認知機能が健常者と比較して低下している可能性があることを指し、実際に軽度認知障害（Mild Cognitive Impairment、MCI）及び認知症である場合のみならず、主観的に認知機能の低下の疑いがあり、そのため意思決定能力にも疑いがある場合も含む。 In this specification, “there is a suspicion of cognitive decline” means that cognitive function may be lower than that of healthy individuals due to age, disease, etc., and actually mild cognitive impairment ( Mild Cognitive Impairment (MCI) and dementia, as well as cases where there is a suspicion of subjective cognitive decline and therefore susceptibility to decision making.
本発明を具体化した実施形態を、図１〜９に従って説明する。なお、以下では、ハイリスクな投資信託の商品の購入を希望してＸ銀行の窓口に来た顧客Ａの場合を例にとって説明するが、本発明はこの例に限らず、被検査者の経済活動における意思決定能力を遠隔評価したい任意の他の例にも適用可能である。 An embodiment embodying the present invention will be described with reference to FIGS. In the following description, the case of customer A who wishes to purchase a high-risk investment trust product will be described as an example. However, the present invention is not limited to this example, and the economy of the inspected person is not limited. It can also be applied to any other example where it is desired to remotely evaluate decision-making ability in an activity.
図１において、Ｘ銀行の窓口に来た顧客Ａは、その商品の購入を希望していることを行員Ｂに伝える。行員Ｂは、顧客Ａとのやりとりの最中に、その商品の説明自体は一応理解していると思われるものの、顧客Ａの認知機能の低下に疑いを持った場合、今回の商品購入についての顧客Ａの意思決定能力を評価する必要がある旨を顧客Ａに説明し、顧客Ａをプライバシーが保たれた別室へ案内する。別室には、モニタ１０、図示しない画像の取り込み用のビデオカメラ、音声の取り込み用のマイクロフォン、及び音声の聞き取り用のイヤフォンを含むビデオ会議用の装置が設置されており、これらの装置はネットワークとしてのインターネット１を介して、遠隔評価システム３０のビデオ会議システム３２に接続されている。検査者Ｃの側のモニタ２０、図示しない画像の取り込み用のビデオカメラ、音声の取り込み用のマイクロフォン、及び音声の聞き取り用のイヤフォンを含むビデオ会議用の装置も、インターネット１を介してビデオ会議システム３２に接続しており、ビデオ会議システム３２は、顧客Ａと検査者Ｃの間のビデオ及び音声による双方向の対話機能を提供する。 In FIG. 1, customer A who has come to the bank X tells bank employee B that he wishes to purchase the product. In the middle of an exchange with customer A, employee B seems to understand the explanation of the product for the time being, but if there is any doubt about the decline in customer A's cognitive function, The customer A is informed that it is necessary to evaluate the decision-making ability of the customer A, and the customer A is guided to another room where privacy is maintained. In the separate room, a video conference device including a monitor 10, a video camera for capturing an image (not shown), a microphone for capturing sound, and an earphone for listening to sound is installed. These devices serve as a network. Is connected to the video conference system 32 of the remote evaluation system 30 via the Internet 1. A video conferencing apparatus including a monitor 20 on the side of the examiner C, a video camera for capturing an image (not shown), a microphone for capturing audio, and an earphone for listening to audio is also provided via the Internet 1. The video conferencing system 32 provides an interactive video and audio interactive function between the customer A and the inspector C.
検査者Ｃは、認知機能検査に習熟した、医師、臨床心理技術者、又はその他の認知機能検査の専門的訓練を受けた者（以下、「医師等」と称する）である。臨床心理技術者には、公益財団法人日本臨床心理士資格認定協会が認定する有資格者である臨床心理士のみならず、心理療法士等、臨床心理の業務に携わっている者を含む。その他の認知機能検査の専門的訓練を受けた者には、神経心理学又は言語聴覚療法学の専門的な技術及び／又は学問を修めた研究員及び学生等が含まれる。 The examiner C is a doctor who has mastered the cognitive function test, a clinical psychological engineer, or another person who has received other specialized training in the cognitive function test (hereinafter referred to as “doctor etc.”). The clinical psychology engineers include not only clinical psychologists who are qualified by the Japan Clinical Psychologist Qualification Association, but also those who are engaged in clinical psychology, such as psychotherapists. Those who have received other specialized training in cognitive function testing include researchers and students who have acquired specialized skills and / or studies in neuropsychology or speech and audiotherapy.
本発明によれば、被検査者の意思決定能力が検査される。意思決定能力検査の検査項目の内容は通常の認知機能検査の検査項目と同じであってもよいが、意思決定能力には経済活動を営めることが要求される点で、認知機能と比較してより高次な能力が要求されるため、好ましくは、本願の意思決定能力検査の検査項目の内容は、認知機能検査の検査項目と比較してより難易度が高く、より厳しく評価される。 According to the present invention, the decision-making ability of the subject is inspected. The contents of the test items of the decision-making ability test may be the same as the test items of the normal cognitive function test, but the decision-making ability is required to carry out economic activities. Therefore, preferably, the contents of the test items of the decision-making ability test of the present application are more difficult and more rigorous than the test items of the cognitive function test.
なお、本実施形態では、顧客Ａと検査者Ｃの間のビデオ及び音声の送受信は、ゲートウェイ２を介して行われるため、セキュリティが確保される。ビデオ会議システム３２としては、各利用者の端末にアプリケーションをインストールするかウェブブラウザ上のアプリケーションを共有することにより利用者間の共同作業を可能とする任意のビデオ会議システムを使用することが可能であるが、本発明の目的で使用するビデオ会議システム３２は、高精度な遠隔での意思決定能力検査を可能にすべく、高速で、画質が良く、かつビデオと音声の送受のずれができるだけ少ないものが好ましく、例えば株式会社ＩＩＪグローバルソリューションのＣＯＬＬＡＢＯ ｄｅ！ Ｗｏｒｌｄ ビデオ会議システムを好適に使用することができる。 In this embodiment, video and audio transmission / reception between the customer A and the inspector C is performed via the gateway 2, so that security is ensured. As the video conference system 32, it is possible to use any video conference system that allows users to collaborate by installing an application on each user's terminal or sharing an application on a web browser. However, the video conferencing system 32 used for the purpose of the present invention is high-speed, good image quality, and as little as possible between video and audio transmission and reception so as to enable highly accurate remote decision-making capability testing. For example, COLLABO de of IIJ Global Solution Co., Ltd.! The World video conference system can be preferably used.
行員Ｂは、電話等の通信手段により検査者Ｃに顧客Ａの意思決定能力検査を依頼し、顧客Ａの側では行員Ｂの立会いの下、検査者Ｃと被検査者としての顧客Ａとの間のビデオ会議システム３２を利用した遠隔検査を開始する。 The employee B asks the inspector C to make a decision-making ability inspection of the customer A by communication means such as a telephone, and the customer A side with the inspector C and the customer A as the inspected person in the presence of the employee B Remote inspection using the video conference system 32 is started.
検査者Ｃと、行員Ｂ又は別の立会人がビデオ会議用のアプリケーションを起動し、互いの端末ＩＤでチェックインすると、ビデオ会議システム３２は、モニタ１０，２０、ビデオカメラ、マイクロフォン、イヤフォンから入出力された顧客Ａ及び検査者Ｃのビデオ及び音声を双方向に送受する。 When the inspector C and the employee B or another witness start the video conference application and check in with each other's terminal ID, the video conference system 32 enters from the monitors 10 and 20, the video camera, the microphone, and the earphone. The output video and audio of the customer A and the inspector C are transmitted and received in both directions.
意思決定能力検査には、公知の認知機能の心理検査法の一つ又は複数を組み合わせたものを使用することができ、そのような心理検査法としては、例えば改訂長谷川式簡易知能評価スケール（HDS-R）、Mini Mental State Examination（MMSE）、CDR（Clinical Dementia Rating）、Telephone Executive Assessment Scale(TEXAS))、時計描画検査（CDT：Clock Drawing Test）等が挙げられる。例えばTEXASについてはBiological Psychiatry;35:636,1994を、CDTについては精神医学 43(10): 1063-1069, 2001を参照されたい。本実施形態では、Telephone Executive Assessment Scale(TEXAS)と時計描画検査(CDC)とを組み合わせた例を説明する。 The decision-making ability test can use a combination of one or more of known psychological test methods for cognitive functions, such as the revised Hasegawa Simple Intelligence Evaluation Scale (HDS). -R), Mini Mental State Examination (MMSE), CDR (Clinical Dementia Rating), Telephone Executive Assessment Scale (TEXAS)), Clock Drawing Test (CDT). For example, see Biological Psychiatry; 35: 636,1994 for TEXAS and psychiatry 43 (10): 1063-1069, 2001 for CDT. In the present embodiment, an example in which a telephone executive assessment scale (TEXAS) and a clock drawing inspection (CDC) are combined will be described.
図２は、Telephone Executive Assessment Scale(TEXAS)に従った評価項目を示す。図２に示すように、意思決定能力には（１）感覚、（２）遂行、及び（３）記憶の少なくとも３つの機能が関与しており、検査者Ｃによる顧客Ａの検査データは、（１）〜（３）の３つの分類の設問に関する検査結果を含むことが好ましい。このような３つの項目を含むことにより、被検査者の意思決定能力をより正確に評価することができる。 FIG. 2 shows evaluation items according to the Telephone Executive Assessment Scale (TEXAS). As shown in FIG. 2, the decision-making ability involves at least three functions of (1) sense, (2) performance, and (3) memory. It is preferable to include the inspection results regarding the questions of the three classifications 1) to (3). By including these three items, it is possible to more accurately evaluate the decision-making ability of the examinee.
（１）の「感覚」は、被検査者が目や耳で情報を正しく知覚できているかを指し、例えばある単語（例、「しゃしょう」）をモニタ２０より一定の音圧で聞かせ、顧客Ａにそれを聞こえた通りに真似してもらうという設問（聴覚）や、検査者Ｃがモニタ２０上にある単語（例、「地球」）を示し、それを顧客Ａに読んでもらうという設問（視覚）が該当する。 “Sense” in (1) indicates whether the examinee can correctly perceive information with eyes or ears. For example, a certain word (eg, “shasho”) is heard from the monitor 20 at a certain sound pressure, and the customer A question (hearing) to have A imitate it as it was heard, or a question (inspection C) to show a word (eg, “Earth”) on the monitor 20 and have customer A read it. Appears visually).
（２）の「遂行」は適切な判断と、意思決定とができるのかを指し、例えば検査者Ｃがモニタ２０上に絵を写し、顧客Ａに主題を説明してもらうという設問等が該当する。この「遂行」の設問はビデオ会議を用いた遠隔評価に使用できる内容で作成される。 “Performance” in (2) indicates whether appropriate judgment and decision making can be made, for example, a question such as an inspector C copying a picture on the monitor 20 and having the customer A explain the subject matter. . This “execution” question is created with contents that can be used for remote evaluation using video conferencing.
（３）の「記憶」は意思決定の事実又は内容を覚えているかということであり、例えば検査の初めの方で検査者Ｃから顧客Ａに３つの単語を伝え、後の時間にそれらの単語が何かを尋ねるという設問が該当する。 The “memory” in (3) means whether or not the facts or contents of decision making are remembered. For example, at the beginning of the examination, three words are transmitted from the inspector C to the customer A, and these words are used later. The question of asking something is applicable.
図３は、意思決定能力検査用の問診項目の例を示す図である。まず検査の初めに、導入として検査者Ｃによる緊張をほぐすためのあいさつや、顧客Ａの氏名の確認（自分の名前が言え、書けるか）や契約時に重要となる日付の質問を行う。次に、上記の（１）〜（３）の分類の検査に進む。 FIG. 3 is a diagram illustrating an example of inquiry items for a decision-making ability test. First, at the beginning of the inspection, as an introduction, a greeting to relieve tension by the inspector C, confirmation of the name of the customer A (can you say and write your name), and a question of an important date at the time of contract are made. Next, it proceeds to the inspection of the classification (1) to (3) above.
なお、意思決定能力検査では、併せて、意思決定能力に大きく影響する気分の確認も行う。例えば、意思決定能力が低いと判定された場合には、気分の項目で抑うつがないことを確認する必要がある。 In addition, in the decision-making ability test, the mood that greatly affects the decision-making ability is also confirmed. For example, when it is determined that the decision-making ability is low, it is necessary to confirm that there is no depression in the mood item.
さらに、意思決定能力検査では、時計描画検査も行う。図３の問診項目には時計描画検査も含まれている。本実施形態で用いる時計描画検査の採点方法は図４に示した通りであり、詳しくはCLOX日本語版マニュアル（researchmap 資料公開 成本迅 資料公開 J-CLOX用紙＆マニュアル、インターネット＜URL: http://researchmap.jp/mupkki2kc-56600/?action=multidatabase_action_main_filedownload&download_flag=1&upload_id=68796&metadata_id=32243＞［2014年12月22日検索］を参照されたい。 Furthermore, in the decision-making ability test, a clock drawing test is also performed. The inquiry items in FIG. 3 include a clock drawing inspection. The scoring method of the clock drawing test used in this embodiment is as shown in FIG. 4. For details, refer to the CLOX Japanese version manual (researchmap document published by Narimoto Jin document published J-CLOX paper & manual, Internet <URL: http: / /researchmap.jp/mupkki2kc-56600/?action=multidatabase_action_main_filedownload&download_flag=1&upload_id=68796&metadata_id=32243> Refer to [December 22, 2014 search].
こうして検査者Ｃはビデオ会議システム３２を介した顧客Ａとの双方向の対話を行い、各質問項目について採点し、すべての設問を終えると、検査は終了する。 Thus, the examiner C performs a two-way dialogue with the customer A via the video conference system 32, scores each question item, and finishes all the questions.
図１に戻ると、遠隔評価システム３０の管理サーバ装置３４は、顧客Ａ側のユーザ端末１２と検査者Ｃ側の検査者端末２２とをネットワークを介して接続している。ユーザ端末１２及び検査者端末２２のそれぞれは、図示しない制御手段（ＣＰＵ）、記憶手段（ＲＡＭ，ＲＯＭ，ハードディスク等）、入出力手段、及びデータ送受信手段等を有する。 Returning to FIG. 1, the management server device 34 of the remote evaluation system 30 connects the user terminal 12 on the customer A side and the inspector terminal 22 on the inspector C side via a network. Each of the user terminal 12 and the inspector terminal 22 includes a control unit (CPU), a storage unit (RAM, ROM, hard disk, etc.), an input / output unit, a data transmission / reception unit, and the like (not shown).
図５に示すように、検査者Ｃは、顧客Ａの意思決定能力検査を終えると、顧客Ａの検査データ４０を検査者端末２２に入力する。図５では、例えば被検査者のID番号、被検査者氏名、各質問のスコアが入力されている。聴覚は3問とも正解であったためいずれも2点で「2」の数字が入力されており、記憶は9点満点のうち5点である。このように最後の項目の記憶までスコアが入力される。この被検査者の総合スコアは64点満点中の45点である。検査者端末２２はこれを記憶し、管理サーバ装置３４に送信する。管理サーバ装置３４は、図示しない制御手段（ＣＰＵ）、記憶手段（ＲＡＭ，ＲＯＭ，ハードディスク等）、入出力手段、及びデータ送受信手段等を有し、検査者端末２２から検査データを受け取り、ユーザ端末１２に送信する。 As shown in FIG. 5, when the inspector C finishes the decision-making ability inspection of the customer A, the inspector C inputs the inspection data 40 of the customer A to the inspector terminal 22. In FIG. 5, for example, the ID number of the examinee, the name of the examinee, and the score of each question are input. Since all three questions were correct, the number “2” was entered with two points, and the memory was five out of nine. In this way, the score is input until the last item is stored. The total score of this examinee is 45 out of 64. The inspector terminal 22 stores this and transmits it to the management server device 34. The management server device 34 includes control means (CPU), storage means (RAM, ROM, hard disk, etc.), input / output means, data transmission / reception means, etc. (not shown), receives inspection data from the inspector terminal 22, and receives user data. 12 to send.
次に、管理サーバ装置３４から検査データ４０を受け取ったユーザ端末１２は、図６に示すように、検査データ４０に基づいて、顧客Ａの経済活動における意思能力判定用データ４２を作成する。このステップは、検査データ４０のうちの少なくとも一部をそのまま用いるか、ランク付け又はスコア化し、後の意思決定能力の判定に適したデータを作成する処理である。 Next, the user terminal 12 that has received the inspection data 40 from the management server device 34 creates intention determination data 42 in the economic activity of the customer A based on the inspection data 40 as shown in FIG. This step is a process of using at least a part of the inspection data 40 as it is, ranking or scoring, and creating data suitable for later determination of decision-making ability.
図６において、意思決定能力検査の「45」は、顧客Ａの意思決定能力検査の合計点である。これは被検査者Ｃが検査者端末２２に入力したものであってもよいし、ユーザ端末１２にて算出されても良い。 In FIG. 6, “45” of the decision-making ability test is the total score of the customer A's decision-making ability test. This may be input by the examinee C to the examiner terminal 22 or may be calculated by the user terminal 12.
一方で、ユーザ端末１２の記憶手段には、Ｘ銀行において得られる顧客Ａのデータ、例えばここではスコア化した金融リテラシー能力が、行員Ｂ又は他の職員等により入力され、記憶されている。金融リテラシー能力は、顧客がある商品を理解するために必要な能力を指し、これは例えば行員ＢやＸ銀行の他の職員が顧客Ａに説明したときの理解度に基づいて決定される。本実施形態における顧客Ａの金融リテラシー能力は64点満点中の50である。 On the other hand, in the storage means of the user terminal 12, the data of the customer A obtained at the X bank, for example, the financial literacy ability scored here is input and stored by the bank employee B or other staff. The financial literacy ability refers to the ability necessary for the customer to understand a certain product, and this is determined based on the degree of understanding when the employee B and other staff of the X bank explain to the customer A, for example. The financial literacy capability of customer A in this embodiment is 50 out of 64.
このように、本実施形態では、ユーザ端末１２は、顧客Ａの意思決定能力検査の検査データと、Ｘ銀行において顧客Ａから得られるデータとに基づいて、顧客Ａが経済活動における意思決定能力を有するか否かを判定する。具体的には、図６によれば顧客Ａの意思決定能力検査のスコアと金融リテラシーのスコアの合計スコアＳは95であり、これがユーザ端末１２の商品データ記憶部１４に記憶された基準データと比較される。 As described above, in the present embodiment, the user terminal 12 has the decision-making ability in the economic activity based on the inspection data of the decision-making ability test of the customer A and the data obtained from the customer A in the X bank. It is determined whether or not it has. Specifically, according to FIG. 6, the total score S of the customer A's decision-making ability test score and the financial literacy score is 95, which is the reference data stored in the product data storage unit 14 of the user terminal 12. To be compared.
図７はユーザ端末の商品データ記憶部に記憶された基準データの例である。商品Ａ−ＥはＸ銀行で取り扱っている商品であり、商品Ａは内容が極めて複雑でハイリスクな商品であり、商品Ｂは内容が商品Ａに比べると易しいが複雑で、かつハイリスクな商品であり、商品Ｃは内容が商品Ｂに比べると平易で、かつハイリスクな商品であり、商品Ｄは内容が平易で、商品Ｃに比べるとリスクが低い商品であり、商品Ｅは内容が平易で、商品Ｄに比べるとリスクが低い商品である。 FIG. 7 is an example of reference data stored in the product data storage unit of the user terminal. Product A-E is a product handled by X Bank, Product A is an extremely complicated and high-risk product, and Product B is simpler but more complex and high-risk than Product A Product C is plain and high-risk compared to product B, Product D is plain and low-risk compared to product C, and product E is plain Therefore, it is a product with a lower risk than the product D.
意思決定能力検査のスコアと金融リテラシーのスコアの合計スコアＳが101以上であれば、行員Ｂ又はＸ銀行の他の職員は内容の難易度が高くリスクが高い金融商品でも顧客に勧めることができ、この場合、商品Ａ−Ｅのすべての購入を薦めることができる。顧客の合計スコアＳが81以上100以下の場合、より難易度の低い金融商品であれば当該顧客に勧めることができ、商品Ｂ−Ｅの購入を薦めることができる。顧客の合計スコアＳが61以上80以下の場合、さらに難易度の低い平易な金融商品であれば当該顧客に勧めることができ、商品Ｃ−Ｅの購入を薦めることができる。顧客の合計スコアＳが41以上60以下の場合、内容が平易で、リスクがより低い金融商品であれば当該顧客に勧めることができ、商品Ｄ又は商品Ｅの購入を薦めることができる。顧客の合計スコアＳが40以下の場合、内容が平易で、さらにリスクがより低い金融商品であれば当該顧客に勧めることができ、商品Ｅのみの購入を薦めることができる。顧客Ａが商品Ａの購入を希望していた場合、顧客Ａの合計スコアＳは95となり、基準値の101を満たさず、顧客Ａは当該商品Ａを購入するのに必要な意思決定能力がないと判定される。判定結果は、例えば「評価結果」「不可」のように表示させることができ（図６）、この判定に基づき顧客Ａは当該商品の購入を控えるようアドバイスを受けることができる。 If the total score S of the decision-making ability test score and the financial literacy score is 101 or more, the bank B or other staff of the bank X can recommend customers to financial products that are difficult and high-risk. In this case, it is possible to recommend all purchases of the products AE. When the total score S of the customer is 81 or more and 100 or less, it is possible to recommend the customer if the financial product is less difficult, and recommend the purchase of the product BE. When the customer's total score S is 61 or more and 80 or less, a simple financial product with a lower difficulty level can be recommended to the customer, and purchase of the product CE can be recommended. When the total score S of the customer is 41 or more and 60 or less, it is possible to recommend the customer if the financial product is simple and the risk is lower, and the purchase of the product D or the product E can be recommended. If the total score S of the customer is 40 or less, it is possible to recommend the customer if the financial product is simple and has a lower risk, and the purchase of only the product E can be recommended. If customer A wishes to purchase product A, customer A's total score S is 95, does not satisfy the standard value 101, and customer A does not have the decision-making ability necessary to purchase product A. It is determined. The determination result can be displayed as, for example, “evaluation result” or “impossible” (FIG. 6), and based on this determination, the customer A can receive advice to refrain from purchasing the product.
上記の実施形態によれば、以下に示す効果を得ることができる。 According to said embodiment, the effect shown below can be acquired.
○医師等の専門家に顧客Ａの意思決定能力を高精度に検査してもらうことができ、顧客Ａによる運用が困難とされるハイリスク商品の購入を未然に防ぐことができ、顧客Ａの金融資産を守ることができる。 ○ Experts such as doctors can check the decision-making ability of customer A with high accuracy, prevent purchase of high-risk products that are difficult to operate by customer A, and Protect financial assets.
○顧客Ａが検査者Ｃから離れた場所にいてもリアルタイムに検査を受けることができ、直接対面して検査を受ける場合に比べて距離や時間の制約がなく、コストも削減される。 ○ Even if the customer A is away from the inspector C, the customer A can be inspected in real time, and there are no distance and time restrictions and cost can be reduced as compared with the case where the customer A is inspected directly.
○顧客Ａと検査者Ｃのやりとりが遠隔評価システム３０の支援によりゲートウェイを介してなされるため、セキュリティが維持され、プライバシーが確保される。 ○ Since the exchange between the customer A and the inspector C is performed through the gateway with the support of the remote evaluation system 30, security is maintained and privacy is secured.
○顧客Ａと検査者Ｃは、ユーザ端末１２と検査者端末２２に簡単なビデオ会議用のアプリケーションをインストールし、モニタ１０，１２を設置するだけで検査を行うことができるため、顧客Ａと検査者Ｃが負担すべき設備コストが少なくて済む。 ○ Since customer A and inspector C can install a simple video conference application on user terminal 12 and inspector terminal 22 and install monitors 10 and 12, customer A and inspector C can inspect. The equipment cost to be borne by the operator C can be reduced.
なお本発明は、上記の実施形態に限られず、以下のような種々の変形が可能である。 In addition, this invention is not restricted to said embodiment, The following various deformation | transformation are possible.
○上記実施形態では、管理サーバ装置３４が検査者端末２２から受け取った検査データ４０をそのままユーザ端末１２に送信し、ユーザ端末１２にて意思能力判定用データ４２を作成していたが、最も簡単な例では、ユーザ端末１２で受け取った検査データ４０を表示し、Ｘ銀行の行員Ｂ又は他の職員が見て意思能力判定を行ってもよい。 In the above embodiment, the management server device 34 transmits the inspection data 40 received from the inspector terminal 22 to the user terminal 12 as it is, and the user terminal 12 creates the intention ability determination data 42. In a specific example, the inspection data 40 received by the user terminal 12 may be displayed, and the employee B of the X bank or other staff may make a determination of intention ability.
○上記実施形態では、顧客Ａの意思決定能力検査のスコアと金融リテラシーのスコアの合計スコアを、金融商品に関する基準データと比較して、顧客Ａが経済活動における意思決定能力を有するか否かを判定していたが、意思決定能力検査のスコアと金融リテラシーのスコアとを、それぞれの基準データに対して別々に比較し、両方のスコアが基準を満たしたときのみに、意思決定能力を有すると判定してもよい。例えば、意思決定能力検査のスコアの基準値を50、金融リテラシーのスコアの基準値を50とし、顧客Ａのそれぞれのスコアと比較する。この場合、顧客Ａの意思決定能力検査のスコアが基準値の50を満たさないため、被検査者に当該商品を購入するのに必要な意思決定能力がないと判定される。 In the above embodiment, the total score of the customer A decision-making ability test score and the financial literacy score is compared with the reference data regarding the financial product to determine whether or not the customer A has the decision-making ability in the economic activity. The decision-making ability test score and the financial literacy score were compared separately for each reference data, and the decision-making ability was found only when both scores met the criteria. You may judge. For example, the reference value of the decision-making ability test score is set to 50, and the reference value of the financial literacy score is set to 50 and compared with each score of the customer A. In this case, since the score of the decision-making ability test of the customer A does not satisfy the reference value 50, it is determined that the person to be inspected does not have the decision-making ability necessary for purchasing the product.
○上記実施形態では、ユーザ端末１２が意思能力判定用データ４２を作成していたが、管理サーバ装置３４が意思能力判定用データを作成してもよい。例えば、図８の別例に示すように、管理サーバ装置３４が、検査者端末２２から受信した検査データ４０に基づいて、顧客Ａの経済活動における意思能力判定用データ４４を作成する。例えば、図８の意思能力判定データ４４は、「感覚」、「遂行」、「記憶」、「気分」、「時計描画」の項目を含み、これらの項目のアルファベットの値は、図５で入力されたスコアに基づいてＡ〜Ｅにランク付けしたものである。このランク付けは、図５で入力されたスコアと比例したランクにしてもよいし、金融商品の種類又は顧客の状況に応じて重み付けする等して変更してもよい。例えばある顧客の「感覚」のスコアが検査時に低かった場合であっても、顧客の年齢が若く、治療により改善可能である可能性が高い場合、「感覚」のランク付けをスコアよりも高めに算出してもよい。また、ランク付けは、５つの項目すべてについて算出しなくても、一部の項目を意思能力判定に利用してもよい。 In the above embodiment, the user terminal 12 creates the intention ability determination data 42, but the management server device 34 may create the intention ability determination data. For example, as shown in another example of FIG. 8, the management server device 34 creates intention ability determination data 44 in the economic activity of the customer A based on the inspection data 40 received from the inspector terminal 22. For example, the intention determination data 44 of FIG. 8 includes items of “sense”, “execution”, “memory”, “mood”, and “clock drawing”, and alphabet values of these items are input in FIG. A to E are ranked based on the score obtained. This ranking may be a rank proportional to the score input in FIG. 5, or may be changed by weighting according to the type of financial product or the situation of the customer. For example, even if a customer's “feel” score is low at the time of the test, if the customer is young and likely to be improved by treatment, rank the “feel” higher than the score. It may be calculated. In addition, ranking may not be calculated for all five items, but some items may be used for determination of intention ability.
さらに「感覚」〜「時計描画」の総合ランクを、「感覚」〜「時計描画」の項目のスコア又はランク付けからランク付けし（例えば図８ではＢ）、「感覚」〜「時計描画」の項目の各ランク及び総合ランクの少なくとも一方を各意思能力判定用データ４４として管理サーバ装置３４がユーザ端末１２に送信してもよい。 Further, the overall rank of “sense” to “clock drawing” is ranked from the scores or rankings of the items of “sense” to “clock drawing” (for example, B in FIG. 8), and “sensation” to “clock drawing” is ranked. The management server device 34 may transmit to the user terminal 12 at least one of the ranks of items and the overall rank as data 44 for determination of intention ability.
○上記実施形態では、ユーザ端末１２が意思能力判定データ４４に基づいて意思能力判定を行っていたが、代わりに管理サーバ装置３４が意思能力判定を行ってもよい。管理サーバ装置３４は、意思決定能力の可否の基準となる基準データが記憶された検査者データ記憶部を備え、例えば意思決定能力検査の結果すなわち総合ランクが「Ｂ」以下の場合又は金融リテラシーが５０未満の場合の少なくともいずれかを満たす場合、以上のＸ銀行における商品Ａの購入の「意思決定能力」を「不可」とする基準データを記憶しているとする。図８の意思能力判定用データ４４を管理サーバ装置３４において作成した後、図９に示すように、管理サーバ装置３４は意思能力判定用データ４６としての総合ランクが「Ｂ」であることと、金融リテラシー能力のスコアから、基準データと比較して顧客Ａには当該商品Ａを購入するのに必要な意思決定能力がないと判定することができる。 In the above embodiment, the user terminal 12 performs the intention ability determination based on the intention ability determination data 44, but the management server device 34 may perform the intention ability determination instead. The management server device 34 includes an inspector data storage unit in which reference data serving as a criterion for determining decision-making ability is stored. For example, when the result of the decision-making ability test, that is, the overall rank is “B” or less, or the financial literacy is When satisfying at least one of the cases of less than 50, it is assumed that reference data that stores “determination ability” of the purchase of the commodity A in the above X bank as “impossible” is stored. After the intention ability determination data 44 of FIG. 8 is created in the management server device 34, as shown in FIG. 9, the management server device 34 has an overall rank of “B” as the intention ability determination data 46, From the score of the financial literacy ability, it can be determined that the customer A does not have the decision-making ability necessary to purchase the product A as compared with the reference data.
○上記実施形態及び図９に示した実施形態において、意思能力判定は、金融リテラシーのスコアに基づかず、意思決定能力検査のスコア又は意思決定能力検査のスコアに基づいて作成された意思能力判定データ４４，４６のみに基づいて行っても良い。 In the above embodiment and the embodiment shown in FIG. 9, the decision making ability determination is based on the decision making ability test score or the decision making ability test score, not based on the financial literacy score. 44 and 46 may be used alone.
○検査データ４０の「感覚」、「遂行」、「記憶」、「気分」、「時計描画」の項目は、用途に合わせてランク付け又はスコア化することができ、ある契約に必要な条件も、適宜設定可能である。また、これらの項目以外に、検査データ４０の具体的な内容に限らず、検査者の年齢等、検査者が取得することができる被検査者の意思決定能力検査に使用可能な任意の他のデータを含んでいてもよい。 ○ The items of "Sense", "Performance", "Memory", "Mood", and "Clock drawing" in the examination data 40 can be ranked or scored according to the application, and there are conditions necessary for a certain contract. Can be set as appropriate. In addition to these items, not only the specific contents of the inspection data 40 but also any other that can be used for the inspected person's decision-making ability inspection that can be acquired by the inspector, such as the age of the inspector Data may be included.
○上記の実施形態では、顧客Ａの金融リテラシー能力をユーザ端末１２から入力していたが、顧客Ａの銀行Ｘにおける保有資産等、顧客Ａから得られる他のデータを意思能力判定の指標に用いてもよい。 In the above embodiment, the customer A's financial literacy capability is input from the user terminal 12, but other data obtained from the customer A, such as the assets held in the bank A of the customer A, is used as an index for determination of intention May be.
○モニタ１０とユーザ端末１２は、物理的に同じ位置にある必要はなく、離れた場所（例えば同一建物の別の部屋）に配置されていてもよい。 The monitor 10 and the user terminal 12 do not have to be physically located at the same position, and may be arranged in a distant place (for example, another room in the same building).
○上記実施形態では、ビデオ会議システム３２のモニタ１０，２０としてユーザ端末１２及び検査者端末２２の表示装置とは別のモニタ１０，２０が使用されていたが、ビデオ会議システム３２のソフトウェアをユーザ端末１２及び検査者端末２２にインストールし、ユーザ端末１２及び検査者端末２２の表示装置でテレビ会議システム３２を行えるよう、組み込み式にしてもよい。 In the above embodiment, the monitors 10 and 20 different from the display devices of the user terminal 12 and the inspector terminal 22 are used as the monitors 10 and 20 of the video conference system 32. However, the software of the video conference system 32 is used by the user. It may be installed in the terminal 12 and the inspector terminal 22 and may be built-in so that the video conference system 32 can be performed on the display devices of the user terminal 12 and the inspector terminal 22.
○説明を簡単にするために、ユーザ端末１２と検査者端末２２が一台ずつの場合を例示したが、複数台のユーザ端末１２と検査者端末２２が遠隔評価システム３０及び管理サーバ装置３４に接続していてもよい。 In order to simplify the explanation, the case where there is one user terminal 12 and one inspector terminal 22 is illustrated, but a plurality of user terminals 12 and inspector terminals 22 are connected to the remote evaluation system 30 and the management server device 34. It may be connected.
○上記の実施形態では、ユーザ端末が銀行にある場合について説明したが、生命保険会社又は不動会社等の民間企業、デパート、スーパー等の商業施設、役所等の公共施設、法律事務所等、被検査者の経済活動における意思決定能力を遠隔評価したい他の場所にも本発明を適用することが可能である。 ○ In the above embodiment, the case where the user terminal is in a bank has been described. However, private companies such as life insurance companies or fixed companies, commercial facilities such as department stores and supermarkets, public facilities such as government offices, law offices, The present invention can be applied to other places where it is desired to remotely evaluate the decision-making ability of an inspector in economic activities.
本明細書中に引用されているすべての特許出願及び文献の開示は、それらの全体が参照により本明細書に組み込まれるものとする。 The disclosures of all patent applications and documents cited herein are hereby incorporated by reference in their entirety.
以下に実施例を挙げて本発明をより具体的に説明するが、本発明はこれらに限定されない。 Hereinafter, the present invention will be described more specifically with reference to examples, but the present invention is not limited thereto.
ケース１ 健常者の例
志學館大学にて、85歳の健常者の女性の意思決定能力検査を、ビデオ会議システムを用いた遠隔評価及び評価者と被評価者が直接会って評価する対面評価の両方で行った。意思決定能力検査の方法は本明細書及び図３に示した通りとした。また参考用として、公知の認知機能検査であるミニメンタルステート検査（MMSE, Mini-Mental State Examination）も行った。
Case 1 Example of a healthy person At Shigakukan University, a remote evaluation using a video conferencing system and a face-to-face evaluation of a 85-year-old healthy person's decision-making ability and an evaluator and an evaluated person meet directly Went on both. The method of examining the decision-making ability was as shown in this specification and FIG. For reference, a mini-mental state examination (MMSE), which is a known cognitive function examination, was also performed.
MMSEの結果は30／30点、意思決定能力検査の遠隔評価は63／64点、意思決定能力検査の対面評価は63／64点であり、スコアは高く、意思決定能力検査の遠隔評価と対面評価の良い一致が見られた。 The MMSE results are 30/30 points, the remote evaluation of the decision-making ability test is 63/64 points, the face-to-face evaluation of the decision-making ability test is 63/64 points, the score is high, and the remote evaluation of the decision-making ability test and the face-to-face A good agreement was seen.
被検査者の女性の感想は、遠隔評価は思ったより自然で楽しく、画像が美しく、遠出できない人たちには今後欠かせない技術になると思うとのことであった。 The impression of the woman of the examinee was that remote evaluation would be a technology that would be indispensable for those who can't go far away because it is more natural and fun than expected.
ケース２ 主観的認知障害（SCI）の例
慶應義塾大学病院の外来にて、75歳の物忘れを訴える軽度認知障害（MCI）の前駆状態と考えられる主観的認知障害（Subjective Cognitive Impairment: SCI）の男性の意思決定能力検査（遠隔評価及び対面評価）及びMMSE検査を行った。
Case 2 Subjective Cognitive Impairment (SCI) Example of Subjective Cognitive Impairment (SCI), which is considered as a precursor to mild cognitive impairment (MCI), a complaint of forgetfulness at the age of 75 in an outpatient department at Keio University Hospital A male decision-making test (remote evaluation and face-to-face evaluation) and an MMSE test were performed.
MMSEの結果は30／30点、意思決定能力検査の遠隔評価は53／64点、意思決定能力検査の対面評価は56／64点であった。意思決定能力検査の遠隔評価と対面評価の良い一致が見られた。また、意思決定能力検査は、MMSEよりもより厳しく評価され、MMSEでも評価できない能力を評価していることが分かる。 The MMSE results were 30/30 points, the remote evaluation of the decision-making ability test was 53/64 points, and the face-to-face evaluation of the decision-making ability test was 56/64 points. There was good agreement between remote evaluation and face-to-face evaluation of the decision-making ability test. In addition, it can be seen that the decision-making ability test is evaluated more strictly than MMSE and evaluates ability that cannot be evaluated by MMSE.
被検査者の男性の感想は、遠隔評価はわざわざ病院に出かけなくても診断してもらえるから便利で良いとのことであった。 The impression of the male of the examinee was that remote evaluation is convenient because it allows diagnosis without going to the hospital.
１・・・ネットワークとしてのインターネット。１２…ユーザ端末、２２…検査者端末、３０…遠隔評価システム、３２・・・ビデオ会議システム、３４…管理サーバ装置、４０…検査データ、４２，４４，４６…意思能力判定用データ、Ａ…被検査者としての顧客、Ｃ…検査者。 1 ... The Internet as a network. DESCRIPTION OF SYMBOLS 12 ... User terminal, 22 ... Examiner terminal, 30 ... Remote evaluation system, 32 ... Video conference system, 34 ... Management server apparatus, 40 ... Examination data, 42, 44, 46 ... Data for judgment ability determination, A ... Customer as inspected person, C ... Inspector.
Claims (9)
前記管理サーバ装置は、
前記ビデオ会議システムを介した検査者と被検査者との間のビデオ及び音声による双方向の対話に基づいて検査者により作成された被検査者の検査データを取得し、
前記検査データから、検査データの少なくとも一部であるか若しくは検査データをランク付け又はスコア化したものである被検査者の経済活動における意思能力判定用データを作成し、及び
前記意思能力判定用データを、ユーザ端末に送信し、
前記ユーザ端末は、
前記意思能力判定用データに基づいて又は前記意思能力判定用データと被検査者の金融リタラシーのスコアとに基づいて、被検査者が経済活動における意思決定能力を有するか否かを判定し、前記判定は、
前記意思能力判定用データ又は前記意思能力判定用データと被検査者の金融リタラシーのスコアとを、基準データと比較し、かつ
前記意思能力判定用データ又は前記意思能力判定用データと被検査者の金融リタラシーのスコアとが前記基準データの基準に達する場合には、被検査者が経済活動における意思決定能力を有すると判定するか、又は
前記意思能力判定用データ又は前記意思能力判定用データと被検査者の金融リタラシーのスコアとが前記基準データの基準に達しない場合には、被検査者が経済活動における意思決定能力を有しないと判定する
ことを含むことを特徴とする遠隔評価方法。 Provides interactive video and audio interaction between doctors, clinical psychologists, or those who have undergone specialized training in cognitive function testing and those who are suspected of having cognitive impairment To remotely evaluate the decision-making ability of the inspected person in the economic activity using the video conference system, the management server device connecting the inspector terminal on the inspector side and the user terminal via the network, and the user terminal A method,
The management server device
Obtaining inspection data of the inspected person created by the inspector based on interactive video and audio interaction between the inspector and the inspected person via the video conference system;
Wherein the inspection data, to create the data for determining mental capacity in economic activity in the examinee is obtained by ranking or scoring is whether or test data at least part of the test data, and before hearing思能force determination Data to the user terminal ,
The user terminal is
Based on the data for determination of intention ability or based on the data for determination of intention ability and the score of financial literacy of the examinee, it is determined whether or not the examinee has a decision-making ability in economic activity, Judgment is
Comparing the data for determination of intention ability or the data for determination of intention ability and the financial literacy score of the examinee with reference data; and
When the data for determination of intention ability or the data for determination of intention ability and the score of the financial literacy of the examinee reach the standard of the reference data, it is determined that the examinee has a decision-making ability in economic activities. Or
If the data for determination of intention or the data for determination of intention and the score of financial literacy of the examinee do not reach the standard of the reference data, the examinee does not have the decision-making ability in economic activities judge
The remote evaluation method characterized by including .
前記管理サーバ装置は、
前記ビデオ会議システムを介した検査者と被検査者との間のビデオ及び音声による双方向の対話に基づいて検査者により作成された被検査者の検査データを取得し、
前記検査データから、検査データの少なくとも一部であるか若しくは検査データをランク付け又はスコア化したものである被検査者の経済活動における意思能力判定用データを作成し、及び
前記意思能力判定用データに基づいて又は前記意思能力判定用データと被検査者の金融リタラシーのスコアとに基づいて、被検査者が経済活動における意思決定能力を有するか否かを判定し、前記判定は、
前記意思能力判定用データ又は前記意思能力判定用データと被検査者の金融リタラシーのスコアとを、基準データと比較し、かつ
前記意思能力判定用データ又は前記意思能力判定用データと被検査者の金融リタラシーのスコアとが前記基準データの基準に達する場合には、被検査者が経済活動における意思決定能力を有すると判定するか、又は
前記意思能力判定用データ又は前記意思能力判定用データと被検査者の金融リタラシーのスコアとが前記基準データの基準に達しない場合には、被検査者が経済活動における意思決定能力を有しないと判定する
ことを含むことを特徴とする遠隔評価方法。 Provides interactive video and audio interaction between doctors, clinical psychologists, or those who have undergone specialized training in cognitive function testing and those who are suspected of having cognitive impairment And a management server device that connects the inspector terminal and the user terminal on the inspector side via a network, and remotely evaluates the decision-making ability in the economic activity of the inspected person. And
The management server device
Obtaining inspection data of the inspected person created by the inspector based on interactive video and audio interaction between the inspector and the inspected person via the video conference system;
Wherein the inspection data, to create the data for determining mental capacity in economic activity in the examinee is obtained by ranking or scoring is whether or test data at least part of the test data, and before hearing思能force determination On the basis of data for judgment or based on the data for determination of intention ability and the score of financial literacy of the examinee, whether or not the examinee has a decision-making ability in economic activities ,
Comparing the data for determination of intention ability or the data for determination of intention ability and the financial literacy score of the examinee with reference data; and
When the data for determination of intention ability or the data for determination of intention ability and the score of the financial literacy of the examinee reach the standard of the reference data, it is determined that the examinee has a decision-making ability in economic activities. Or
If the data for determination of intention or the data for determination of intention and the score of financial literacy of the examinee do not reach the standard of the reference data, the examinee does not have the decision-making ability in economic activities to determine
The remote evaluation method characterized by including .
前記管理サーバ装置を、
前記ビデオ会議システムを介した検査者と被検査者との間のビデオ及び音声による双方向の対話に基づいて検査者により作成された被検査者の検査データを取得し、
前記検査データから、検査データの少なくとも一部であるか若しくは検査データをランク付け又はスコア化したものである被検査者の経済活動における意思能力判定用データを作成し、
前記意思能力判定用データに基づいて又は前記意思能力判定用データと被検査者の金融リタラシーのスコアとに基づいて、被検査者が経済活動における意思決定能力を有するか否かを判定する処理を実行する手段として機能させることを特徴とする遠隔評価プログラムであり、
前記判定は、
前記意思能力判定用データ又は前記意思能力判定用データと被検査者の金融リタラシーのスコアとを、基準データと比較し、かつ
前記意思能力判定用データ又は前記意思能力判定用データと被検査者の金融リタラシーのスコアとが前記基準データの基準に達する場合には、被検査者が経済活動における意思決定能力を有すると判定するか、又は
前記意思能力判定用データ又は前記意思能力判定用データと被検査者の金融リタラシーのスコアとが前記基準データの基準に達しない場合には、被検査者が経済活動における意思決定能力を有しないと判定する
ことを含む、遠隔評価プログラム。 Provides interactive video and audio interaction between doctors, clinical psychologists, or those who have undergone specialized training in cognitive function testing and those who are suspected of having cognitive impairment And a management server device that connects the inspector terminal and the user terminal on the inspector side via a network, a program for remotely evaluating the decision-making ability of the inspected person in the economic activity. And
The management server device
Obtaining inspection data of the inspected person created by the inspector based on interactive video and audio interaction between the inspector and the inspected person via the video conference system;
From the inspection data, create data for determination of willing ability in the economic activity of the inspected person, which is at least part of the inspection data, or ranks or scores the inspection data,
Based on the scores before hearing思能force on the basis of the determination data or the mental capacity determination data and the examinee's financial Literacy, the inspector determines whether having a decision making in economic activity A remote evaluation program characterized by functioning as a means for executing processing ,
Said determination is
Comparing the data for determination of intention ability or the data for determination of intention ability and the financial literacy score of the examinee with reference data; and
When the data for determination of intention ability or the data for determination of intention ability and the score of the financial literacy of the examinee reach the standard of the reference data, it is determined that the examinee has a decision-making ability in economic activities. Or
If the data for determination of intention or the data for determination of intention and the score of financial literacy of the examinee do not reach the standard of the reference data, the examinee does not have the decision-making ability in economic activities judge
A remote evaluation program.
前記ユーザ端末を、
前記ビデオ会議システムを介した検査者と被検査者との間のビデオ及び音声による双方向の対話に基づいて検査者により作成された被検査者の検査データの少なくとも一部であるか若しくは検査データをランク付け又はスコア化したものである意思能力判定用データを前記管理サーバ装置から取得し、
前記意思能力判定用データに基づいて又は前記意思能力判定用データと被検査者の金融リタラシーのスコアとに基づいて、被検査者が経済活動における意思決定能力を有するか否かを判定する処理を実行する手段として機能させることを特徴とする遠隔評価プログラムであり、
前記判定は、
前記意思能力判定用データ又は前記意思能力判定用データと被検査者の金融リタラシーのスコアとを、基準データと比較し、かつ
前記意思能力判定用データ又は前記意思能力判定用データと被検査者の金融リタラシーのスコアとが前記基準データの基準に達する場合には、被検査者が経済活動における意思決定能力を有すると判定するか、又は
前記意思能力判定用データ又は前記意思能力判定用データと被検査者の金融リタラシーのスコアとが前記基準データの基準に達しない場合には、被検査者が経済活動における意思決定能力を有しないと判定する
ことを含む、遠隔評価プログラム。 Provides interactive video and audio interaction between doctors, clinical psychologists, or those who have undergone specialized training in cognitive function testing and those who are suspected of having cognitive impairment And a management server device that connects the inspector terminal and the user terminal on the inspector side via a network, a program for remotely evaluating the decision-making ability of the inspected person in the economic activity. And
The user terminal
It is at least part of the inspection data of the inspected person created by the inspector based on the interactive video and audio interaction between the inspector and the inspected person via the video conference system, or the inspection data Is obtained from the management server device for determination of intention ability that is ranked or scored ,
Based on the scores before hearing思能force on the basis of the determination data or the mental capacity determination data and the examinee's financial Literacy, the inspector determines whether having a decision making in economic activity A remote evaluation program characterized by functioning as a means for executing processing ,
Said determination is
Comparing the data for determination of intention ability or the data for determination of intention ability and the financial literacy score of the examinee with reference data; and
When the data for determination of intention ability or the data for determination of intention ability and the score of the financial literacy of the examinee reach the standard of the reference data, it is determined that the examinee has a decision-making ability in economic activities. Or
If the data for determination of intention or the data for determination of intention and the score of financial literacy of the examinee do not reach the standard of the reference data, the examinee does not have the decision-making ability in economic activities judge
A remote evaluation program.
医師、臨床心理技術者、又は認知機能検査の専門的訓練を受けた者である検査者と認知機能の低下の疑いがある被検査者との間のビデオ及び音声による双方向の対話機能を提供するビデオ会議システムと、
ユーザ端末と、
前記検査者側の検査者端末と前記ユーザ端末とをネットワークを介して接続する管理サーバ装置とを備え、
前記管理サーバ装置は、
前記ビデオ会議システムを介した検査者と被検査者との間のビデオ及び音声による双方向の対話に基づいて検査者により作成された被検査者の検査データを取得し、
前記検査データから、検査データの少なくとも一部であるか若しくは検査データをランク付け又はスコア化したものである被検査者の経済活動における意思能力判定用データを作成し、及び
前記意思能力判定用データを、ユーザ端末に送信し、
前記ユーザ端末は、
前記意思能力判定用データに基づいて又は前記意思能力判定用データと被検査者の金融リタラシーのスコアとに基づいて、被検査者が経済活動における意思決定能力を有するか否かを判定し、前記判定は、
前記意思能力判定用データ又は前記意思能力判定用データと被検査者の金融リタラシーのスコアとを、基準データと比較し、かつ
前記意思能力判定用データ又は前記意思能力判定用データと被検査者の金融リタラシーのスコアとが前記基準データの基準に達する場合には、被検査者が経済活動における意思決定能力を有すると判定するか、又は
前記意思能力判定用データ又は前記意思能力判定用データと被検査者の金融リタラシーのスコアとが前記基準データの基準に達しない場合には、被検査者が経済活動における意思決定能力を有しないと判定することを含む
ことを特徴とする遠隔評価システム。 A remote evaluation system for the decision-making ability of an examinee's economic activities,
Provides interactive video and audio interaction between doctors, clinical psychologists, or those who have undergone specialized training in cognitive function testing and those who are suspected of having cognitive impairment A video conferencing system to
A user terminal,
A management server device that connects the user terminal and the test terminal of the examiner side via the network,
The management server device
Obtaining inspection data of the inspected person created by the inspector based on interactive video and audio interaction between the inspector and the inspected person via the video conference system;
Wherein the inspection data, to create the data for determining mental capacity in economic activity in the examinee is obtained by ranking or scoring is whether or test data at least part of the test data, and before hearing思能force determination Data to the user terminal ,
The user terminal is
Based on the data for determination of intention ability or based on the data for determination of intention ability and the score of financial literacy of the examinee, it is determined whether or not the examinee has a decision-making ability in economic activity, Judgment is
Comparing the data for determination of intention ability or the data for determination of intention ability and the financial literacy score of the examinee with reference data; and
When the data for determination of intention ability or the data for determination of intention ability and the score of the financial literacy of the examinee reach the standard of the reference data, it is determined that the examinee has a decision-making ability in economic activities. Or
If the data for determination of intention or the data for determination of intention and the score of financial literacy of the examinee do not reach the standard of the reference data, the examinee does not have the decision-making ability in economic activities A remote evaluation system comprising: determining .
医師、臨床心理技術者、又は認知機能検査の専門的訓練を受けた者である検査者と認知機能の低下の疑いがある被検査者との間のビデオ及び音声による双方向の対話機能を提供するビデオ会議システムと、
前記検査者側の検査者端末とユーザ端末とをネットワークを介して接続する管理サーバ装置とを備え、
前記管理サーバ装置は、
前記ビデオ会議システムを介した検査者と被検査者との間のビデオ及び音声による双方向の対話に基づいて検査者により作成された被検査者の検査データを取得し、
前記検査データから、検査データの少なくとも一部であるか若しくは検査データをランク付け又はスコア化したものである被検査者の経済活動における意思能力判定用データを作成し、及び
前記意思能力判定用データに基づいて又は前記意思能力判定用データと被検査者の金融リタラシーのスコアとに基づいて、被検査者が経済活動における意思決定能力を有するか否かを判定し、前記判定は、
前記意思能力判定用データ又は前記意思能力判定用データと被検査者の金融リタラシーのスコアとを、基準データと比較し、かつ
前記意思能力判定用データ又は前記意思能力判定用データと被検査者の金融リタラシーのスコアとが前記基準データの基準に達する場合には、被検査者が経済活動における意思決定能力を有すると判定するか、又は
前記意思能力判定用データ又は前記意思能力判定用データと被検査者の金融リタラシーのスコアとが前記基準データの基準に達しない場合には、被検査者が経済活動における意思決定能力を有しないと判定することを含む
ことを特徴とする遠隔評価システム。 A remote evaluation system for the decision-making ability of an examinee's economic activities,
Provides interactive video and audio interaction between doctors, clinical psychologists, or those who have undergone specialized training in cognitive function testing and those who are suspected of having cognitive impairment A video conferencing system to
A management server device connecting the inspector terminal and the user terminal on the inspector side via a network;
The management server device
Obtaining inspection data of the inspected person created by the inspector based on interactive video and audio interaction between the inspector and the inspected person via the video conference system;
Wherein the inspection data, to create the data for determining mental capacity in economic activity in the examinee is obtained by ranking or scoring is whether or test data at least part of the test data, and before hearing思能force determination On the basis of data for judgment or based on the data for determination of intention ability and the score of financial literacy of the examinee, whether or not the examinee has a decision-making ability in economic activities ,
Comparing the data for determination of intention ability or the data for determination of intention ability and the financial literacy score of the examinee with reference data; and
When the data for determination of intention ability or the data for determination of intention ability and the score of the financial literacy of the examinee reach the standard of the reference data, it is determined that the examinee has a decision-making ability in economic activities. Or
If the data for determination of intention or the data for determination of intention and the score of financial literacy of the examinee do not reach the standard of the reference data, the examinee does not have the decision-making ability in economic activities A remote evaluation system comprising: determining .
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