WO2018056914A1 - Procédé permettant la réalisation 7/24 et en temps réel de transferts de fonds entre les banques - Google Patents

Procédé permettant la réalisation 7/24 et en temps réel de transferts de fonds entre les banques Download PDF

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Publication number
WO2018056914A1
WO2018056914A1 PCT/TR2016/000125 TR2016000125W WO2018056914A1 WO 2018056914 A1 WO2018056914 A1 WO 2018056914A1 TR 2016000125 W TR2016000125 W TR 2016000125W WO 2018056914 A1 WO2018056914 A1 WO 2018056914A1
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WO
WIPO (PCT)
Prior art keywords
bank
account
sender
fund transfer
banks
Prior art date
Application number
PCT/TR2016/000125
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English (en)
Inventor
Tarık DEGİRMENCİ
Original Assignee
YURTSEVEN, Hakan
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by YURTSEVEN, Hakan filed Critical YURTSEVEN, Hakan
Priority to PCT/TR2016/000125 priority Critical patent/WO2018056914A1/fr
Publication of WO2018056914A1 publication Critical patent/WO2018056914A1/fr

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking

Definitions

  • the present invention relates to a method enabling 7 days 24 hours and real-time realization of the fund transfers between the banks (Electronic Fund Transfer: EFT), which cannot be carried out outside the work hours of the monetary authority institution (Central Bank, reserve bank etc.) of a country or group of countries.
  • EFT Electronic Fund Transfer
  • EFT Electronic Fund Transfer
  • Remittance is the name given to the fund transfers carried out between the accounts of a bank (without limitation of branches).
  • EFT Electronic Fund Transfer
  • the mentioned fund transfers can be realized through the bank branches, ATMs, telephone banking and internet today.
  • fund transfers can be made 7 days 24 hours over ATMs, telephones and internet through remittance (between the accounts opened in the same bank).
  • the fund transfer transactions within the bank can be made 7 days 24 hours today.
  • EFT system funds transfer between the accounts at different banks
  • bank A sends a payment message to EFT System(center), which contains the required information such as the sender and receiver; the amount of payment.
  • the Center processes the message received over EFT system. If there is sufficient balance in bank A's account at EFT center (Central Bank, Reserve Bank etc.), then the payment amount is transferred from bank A's account at EFT center to bank B. Bank B enters the payment received into the account of the receiver. If the balance of the account of Bank A (sender bank) in EFT system is not sufficient for the relevant payment, then the payment message is entered into the waiting line.
  • EFT system is basically a crediting system. In other words; a bank can send money to the account of another bank by using EFT system, however, cannot draw money from the account of another bank to its own account.
  • EFT fund transfer through EFT system in the state of the art
  • the transactions are required to be carried out over a central institution which coordinates EFT system.
  • the banks included within EFT system have accounts (money balance) within the structure of the monetary authority institution (Central Bank, reserve bank etc.) which directs the EFT system.
  • the fund transfer transactions between the banks are carried out over these accounts.
  • the monetary authority institution coordinating the EFT system is required to be operating. Due to this reason, EFT (fund transfers between the banks) transactions are limited to the work hours of the central institutions.
  • EFT funds transfers between the banks
  • the fund transfers between the banks are not carried out outside the range of the time slices mentioned above.
  • EFT orders given outside the mentioned range are carried out the following TCMB work day.
  • This state usually causes troubles for the users who are required to make urgent payments. It takes some hours for the money to be transferred to the receiver's account even in the transactions carried out through EFT system within the mentioned hours. This state results in problems for the users.
  • Some banks use TCMB's EFT transaction hours till the end and accept EFTs until 17:15.
  • Late EFT This transaction is called "late EFT” in the state of the art. Late EFT extends the time for the fund transfers between the banks only 1 hour 15 minutes during the work days. Late EFT does not offer any solutions for realization of the fund transfers between the banks for 7 days 24 hours (weekend, official holidays, evenings and nights)
  • a patent document with no US 20150112866 with the title “System and method for transferring funds”.
  • Real-time fund transfer between the banks is mentioned in the mentioned patent document.
  • a structuring namely "Token Management Logic” is required to be integrated into the computer system of the bank in order to enable fund transfers with this method. Accordingly, a computer network is established for the fund transfers between the banks.
  • This method enables the fund transfers only between the banks, which have mutual agreements and which have integrated the mentioned structuring into its computer system. In this method, it is required for each bank to make a mutual agreement and integrate their systems. Due to this reason, it is very difficult to spread the mentioned method. This disadvantage becomes clearer when international fund transfer is desired to be carried out by the mentioned method. Moreover, there are disadvantages for the spread of this method in the fund transfers between the countries, since the fund transfers between the banks established in different countries are carried out by swifts and since it sometimes takes 2 days for the money to reach the other side.
  • the present invention which relates to a method enabling 7 days 24 hours and real-time realization of the fund transfers between the banks (Electronic Fund Transfer: EFT), which cannot be carried out outside the work hours of the monetary authority institution (Central Bank, reserve bank etc.) of a country or group of countries completely overcomes the disadvantages mentioned above and it is characterized by; provision the fund transfers between the banks for 7 days 24 hours and this way, capability of the retail customers and enterprises to carry out fund transfers outside the work hours of the Central Bank (evenings/nights/weekends, official holidays), in other words, in time slices when the Electronic Fund Transfers between the banks cannot be realized, and the practical, easy to use, safe and economic nature of the method.
  • EFT Electronic Fund Transfer
  • the system users who desire to transfer money with this method are able to complete their transactions much faster when compared to real-time EFT transaction between the banks.
  • the mentioned method is enabled through the accounts the system opens at the banks. In other words; the system has accounts in each bank, where there is certain amount of balance or even if there is no such balance, it can obtain instant funds from the relevant bank through credit mechanism. 7 days 24 hours monetary transactions are enables thanks to these accounts.
  • the user can use the mentioned system over the channels such as internet website, mobile applications, short messages etc.
  • the user submits the fund transfer (EFT) demand to the system through the mentioned channels and follows up the process.
  • EFT fund transfer
  • the invention in simplest terms, is a method for converting a transaction of fund transfers between the banks, into 2 different remittance transaction by using developed software in 2 different banks where the sender and the receiver has accounts and this way, enabling the real-time transfer transaction on each day of the week and each hour of the day, without any time limitation.
  • a sender desires to transfer money from his account in bank A to a sender with account in bank B (outside the operation hours of EFT system).
  • the system has accounts in bank A and bank B in which there are certain balances.
  • the sender enters the information related to the fund transfer (identity information of the receiver, account information of the receiver, amount of the money desired to be transferred, explanation etc.) into the system through a channel of the system (short message or mobile application or internet website).
  • the system (mobile application and/or system software etc.) also calculates the fund transfer transaction commissions and notifies to the sender through the relevant channel, the sum which is required to be transferred to the system's account in bank A (the sum to be transferred + transaction commission) and the account information of the system in bank A. Then, the system directs the user to the internet banking website or mobile banking application of bank A. This way, the sender performs a remittance transaction from his account in bank A to the system's account in bank A, in the amount of the sum to be transferred + transaction commission. The system confirms that the relevant sum had entered its account in bank A. Following the confirmation process; the system pays the transfer amount by remittance from its account in bank B to the receiver's account in bank B.
  • the transfer charge is paid by the system's account in bank B to bank B.
  • the sender is able to send money as real-time on 7 days 24 hours basis from his account in any bank A to a receiver with an account in any bank B.
  • a SMS and/or information message and/or notification is sent to the sender and/or receiver.
  • the sender can follow up the status of the transfer transaction over the mobile application or internet, and if desires, can provide the transaction receipts to be sent to his e-mail registered in the system or any other e-mail address notified.
  • the method is carried out over the accounts opened by the system (fund transfer provider) in the banks. According to the sample described above; it is not required for the banks to integrate their own mechanisms into the system. This way, the method mentioned in the invention can easily be applied.
  • the sender can realize the payment (the sum to be transferred + transaction commission) which he is required to make to the system, by means of virtual POS from debit or credit card in addition to the bank remittance. Moreover, the sender (user) can also use his virtual credit card or virtual debit card. If the user uses his credit card, debit card or virtual card, he completes the procedure by entering the transaction password which shall be sent to his own cell phone by the bank as if he was shopping over internet websites and safe transaction is carried out.
  • the system can open accounts in the banks over local currency (for example: TL) whereas it can also open foreign exchange accounts (for example: USD, EUR, GBP etc.). This way, 7 days 24 hours fund transfers between the banks over any type of currency is enabled as realtime by the mentioned method.
  • local currency for example: TL
  • foreign exchange accounts for example: USD, EUR, GBP etc.
  • the sender can send the first part of the fund transfer (the part of transferring money from his own account to the system's account) as an order to the bank through the mobile application or internet website by using a mobile signature. Moreover, if a network is established by reaching an agreement with the banks, then, the transfer order can directly be transferred to the bank through a secure channel of the system and the transaction can be completed.
  • the system when an information processing network is established with the system and between the banks; the system can carry out the fund transfer with the mentioned method without any need for the availability of any balance at that moment at its own account.
  • the system first creates a reference number for a transaction demand. For example; when there is entry of 1.000 TL to the system's account in bank A, bank B (the receiver's bank) cab access this protection account. This way, it confirms the entry of the money into the account. Following this, this money is blocked electronically and assigned. This way, an automatic EFT instruction for the next day is created for the money to enter into its own account and the payment is completed by this secure mechanism.
  • the system does not demand from the customer expenses which the banks demand such as any EFT, remittance charges, except its own service commission. If the sender enters wrong information for the receiver (IB AN, account number etc.), the money is returned to the sender and also information is provided by SMS or by another notification method.
  • fund transfer to abroad is also enabled by the system.
  • the system opens EUR account in Commerzbank / Germany and real-time money transfer from the sender to the receiver in Germany is enabled).
  • it is possible to transfer money to any bank in which the system has an account.
  • opening special accounts in a bank or banks for the system or identification of debit / credit cards special for the system; direct realization of the fund transfer from the system channels without any need for the sender to enter the bank's website are enabled
  • the system if the system reaches an agreement with all or a part of the banks which are subject to fund transfer, then it can create shortcuts such as "Send money by the System" to the websites of the relevant banks or to the mobile applications or to ATM menus of the relevant banks, and the sender (user) can use this menu to practically start his fund transfer.
  • the sender accesses the channels of the system by using one or more or all of the security and identity verifications such as a user name, password, cipher, SMS approval, mobile signature, electronic signature, audio signature etc..
  • the sender is able to transfer to his own bank, the remittance instruction from his account to the system's account through the system, by using mobile signature, e-signature.
  • “the part of remittance from his own account to the system's account” which is the first stage of the fund transfer can be completed without any need to enter his own bank account through internet banking, mobile banking.
  • Figure 1 is the operation scheme with the fund transfers within the bank of the method that enables real-time and 7/24 realization of the fund transfers between the banks
  • Figure 2 is the operation scheme with the virtual POS application of the method that enables real-time and 7/24 realization of the fund transfers between the banks
  • the present invention which relates to a method enabling 7 days 24 hours realization of the fund transfers between the banks (Electronic Fund Transfer: EFT), which cannot be carried out outside the work hours of the monetary authority institution (Central Bank, reserve bank etc.) of a country or group of countries, is characterized by containing the transaction stages of; submittal of the demand for fund transfer between the banks(l l), the sum desired to be transferred and the receiver information (name/surname of the receiver, bank account number, cell phone etc ..) to the system(l) by the sender(2) through a communication channel(5) (such as mobile app., we, sms) of the system(l); submittal of the bank account information of the system(l), the sum of money (the sum to be transferred + system transaction commission) desired to be transferred to the system(l) account and the system notification(12) containing other information related to the fund transfer method by the system(l) to the sender(2) through the mentioned communication channel(5); guiding the sender(2)to the service channel of the bank A(3) (the bank with
  • the service (fund transfer provider) providing the fund transfer between the banks on 7 days 24 hours basis is named as the system(l).
  • the person or enterprise or institution performing fund transfer between the banks is named as the sender(3).
  • the person or enterprise or institution to which the sender(2) sends money is named as the receiver.
  • the bank with the sender's account(3.2) is named as the bank A(3).
  • the bank with the receiver's account(4.2) is named as the bank B(4).
  • the system(l) has accounts in all the banks included within the system(l).
  • the system(l) can open accounts in the banks over different currencies (for example: USD account, EUR account, GBP account etc.). This way, 7/24 fund transfer between the banks can be performed for each currency.
  • the system(l) is accessed by the communication channel(5) such as internet website, telephone service, mobile application etc..
  • the sender(2) accesses the mentioned communication channel(5) in a secure manner by using one, some or all of the identity verification and security data such as his user name, user cipher, password, mobile signature, electronic signature, audio signature, verification code, single use password, reference number etc.
  • the sender(2) submits his demand for fund transfer between the banks(l l) to the system(l) by using the mentioned communication channel(5).
  • the sender(2) also submits to the system(l) the information related to the receiver and the amount of the money desired to be transferred together with the demand for fund transfer between the banks(l 1).
  • the sender(2) submits the mentioned demand and information to the system(l) by using the panels on the communication channels(5) (web page, application screen, system menu etc.).
  • the system serves a system notification(12) to the sender(2) as a response to the demand for fund transfer between the banks(l l).
  • the system notification ⁇ 2) is carried out by the mentioned communication channels(5), mentioned panels or the channels such as SMS, e- mail.
  • the mentioned system notification(12) includes the bank account information of the system(l), the amount of money desired to the transferred to the system(l)account (the sum to be transferred + transaction commission) and the other directives related to the fund transfer method.
  • the sender(2) receiving the system notification(12) is guided to the service channel of bank A(3) (the bank with the sender's account(3.2)).
  • the mentioned guiding process can be realized automatically by the system(l), whereas it can also be realized by the sender(2).
  • Telephone banking, internet banking, bank mobile applications etc. can be given as the examples of the mentioned banking service channels.
  • the sender(2) reaches bank A(3) through the mentioned banking service channels. This way, the sender(2) gives instruction for fund transfer within the bank (13) from the sender's account(3.2) in bank A(3) to the system's account in bank A(3.1).
  • the sender(2) sends the amount to be transferred + commission to the system's account in bank A(3.1) through the fund transfer within the bank(14) which can be realized as 7 days 24 hours.
  • the bank A(3)'s charge for the fund transfer within the bank(14) is paid from the sender's account(3.2).
  • the system(l) confirms the money received by the system's account in bank A(3.1) through the bank notification(15) or automatic or manual account control.
  • the system(l) gives instruction for fund transfer within the bank (13) from the system's account in bank B(4.1) to the receiver's account(4.2) in bank B(4).
  • the system(l) enters the sum which is demanded by the sender(2) to be transferred, to the receiver's account(4.2) through the fund transfer within the bank(14) which can be realized as 7 days 24 hours.
  • bank B(4)'s charges for fund transfer within the bank(14) is paid from the system's account in bank B(4.1).
  • the system(l) When the sum which is desired to be transferred by the sender(2) is sent to the receiver's account(4.2); the system(l) performs transaction confirmation ⁇ 6) to the sender(2) and/or the receiver. This way, the transaction of fund transfer between the banks is completed.
  • the sender(2) can use the instruments such as credit card, debit card, virtual credit card, virtual debit card, e-money etc. in the payments to be made to the system(l) for the fund transfer between the banks.
  • the sender(2) uses the system(l)'s virtual POS(6) (POS; Point of Sale) when he desires to make payment through the mentioned instruments.
  • POS Point of Sale
  • the sender(2) submits to the system(l) the demand for fund transfer between the banks(l l) and the demand for payment by card (17) (credit card, debit card or virtual cards) by using the mentioned communication channels(5).
  • the system(l) guides the sender(2) to virtual POS(6) application.
  • the mentioned guiding is carried out by the communication channel(5) of the system(l).
  • system notification(12) is served to the sender(2), which includes the amount of money required to be paid to the system(l) (the sum to be transferred + system transaction commission) and other directives related to the fund transfer method.
  • the sender(2) who is guided to the virtual POS(6) application of the system(l), makes the payment by using his credit/debit card.
  • the sender(2) enters the credit/debit card information to the virtual POS(6) and makes the required verifications.
  • the sender transfers the sum to be transferred + system transaction commission to the system(l)'s account through withdrawal by virtual POS(18) which can be realized 7 days 24 hours.
  • the sum to be transferred + system transaction commission is deposited to the account of the system(l) which is connected to the virtual POS(6) (for example, as validated for the next day as based on the agreement of the POS bank and the system). Following this transaction, the method operates in the same manner.
  • the system(l) makes the relevant fund transfer from the system's account in bank B(4.1) to the receiver's account(4.2) through fund transfer within the bank( 14) .

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention concerne un procédé permettant la réalisation 7 jours sur 7 et 24 heures sur 24 des transferts de fonds entre les banques (transfert de fonds électronique : EFT), qui ne peuvent pas être effectués en dehors des heures de travail de l'institution d'autorité monétaire (banque centrale, banque de réserve, etc.) d'un pays ou d'un groupe de pays. Le procédé est généralement caractérisé en ce qu'il contient les étapes de transaction suivantes : la soumission de la demande de transfert de fonds entre les banques (l l), la somme qu'on souhaite transférer et les informations de récepteur au système (l) par l'expéditeur (2) par l'intermédiaire d'un canal de communication (5) du système (l) ; la soumission des informations de compte bancaire du système (l), la somme d'argent (la somme à transférer + commission de transaction du système) qu'on souhaite transférer au compte du système (l) et de la notification du système (12) contenant d'autres informations relatives au procédé de transfert de fonds par le système (l) à l'expéditeur (2) par l'intermédiaire du canal de communication (5) mentionné ; le guidage de l'expéditeur (2) vers le canal de service de la banque A (3) (la banque avec le compte de l'expéditeur (3.2)); la réalisation d'un transfert de fonds dans la banque (14) par l'expéditeur (2) depuis son compte (3.2) à la banque A (3) au compte du système à la banque 1 (3.1) à hauteur de la somme à transférer + la commission de transaction du système ; la notification du système (l) par la banque A (3) par rapport à l'argent reçu par le compte ; la réalisation du transfert de fonds à l'intérieur de la banque (14) dans la quantité demandée par l'expéditeur (2), de son compte (4.1) dans la banque B (4) (la banque avec le compte du récepteur (4.2)) au compte du récepteur (4.2) par le système (l) recevant la notification de la banque mentionnée (15); le service de confirmation de transaction (16) à l'expéditeur (2) et/ou au récepteur lorsque le montant demandé par l'expéditeur (2) est versé dans le compte du récepteur (4.2).
PCT/TR2016/000125 2016-09-23 2016-09-23 Procédé permettant la réalisation 7/24 et en temps réel de transferts de fonds entre les banques WO2018056914A1 (fr)

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Application Number Priority Date Filing Date Title
PCT/TR2016/000125 WO2018056914A1 (fr) 2016-09-23 2016-09-23 Procédé permettant la réalisation 7/24 et en temps réel de transferts de fonds entre les banques

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Application Number Priority Date Filing Date Title
PCT/TR2016/000125 WO2018056914A1 (fr) 2016-09-23 2016-09-23 Procédé permettant la réalisation 7/24 et en temps réel de transferts de fonds entre les banques

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Cited By (1)

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IT201900002943A1 (it) * 2019-02-28 2020-08-28 Unione Di Banche Italiane Spa In Forma Abbreviata Anche Solo Ubi Banca S P A Metodo per la rateizzazione di un pagamento addebitato su un conto corrente

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US20100030687A1 (en) * 2008-01-18 2010-02-04 Cashedge, Inc. Real-Time Settlement of Financial Transactions Using Electronic Fund Transfer Networks
US20120173409A1 (en) * 2010-12-30 2012-07-05 Ebay Inc. Real-time global fund transfers
US20140019341A1 (en) * 2012-04-10 2014-01-16 Kabbage, Inc. Method, apparatus and computer readable storage to effectuate an instantaneous monetary transfer
US20140129431A1 (en) * 2008-01-31 2014-05-08 Bill.Com, Inc. Enhanced System and Method For Private Interbank Clearing System
US20150112866A1 (en) 2012-03-07 2015-04-23 Clearxchange, Llc System and method for transferring funds
US20150142643A1 (en) * 2013-03-14 2015-05-21 Bill.Com, Inc. System and Method for Sharing Transaction Information by Object Tracking of Inter-Entity Transactions and News Streams

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20100030687A1 (en) * 2008-01-18 2010-02-04 Cashedge, Inc. Real-Time Settlement of Financial Transactions Using Electronic Fund Transfer Networks
US20140129431A1 (en) * 2008-01-31 2014-05-08 Bill.Com, Inc. Enhanced System and Method For Private Interbank Clearing System
US20120173409A1 (en) * 2010-12-30 2012-07-05 Ebay Inc. Real-time global fund transfers
US20150112866A1 (en) 2012-03-07 2015-04-23 Clearxchange, Llc System and method for transferring funds
US20140019341A1 (en) * 2012-04-10 2014-01-16 Kabbage, Inc. Method, apparatus and computer readable storage to effectuate an instantaneous monetary transfer
US20150142643A1 (en) * 2013-03-14 2015-05-21 Bill.Com, Inc. System and Method for Sharing Transaction Information by Object Tracking of Inter-Entity Transactions and News Streams

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
IT201900002943A1 (it) * 2019-02-28 2020-08-28 Unione Di Banche Italiane Spa In Forma Abbreviata Anche Solo Ubi Banca S P A Metodo per la rateizzazione di un pagamento addebitato su un conto corrente

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