[CII-SR-470] - Either the IBAN or a Proprietary ID (BT-84) shall be used.
Stored validation assertion
count(ram:SpecifiedTradeSettlementPaymentMeans[(normalize-space(ram:TypeCode) = '30' or normalize-space(ram:TypeCode) = '58') and not(ram:PayeePartyCreditorFinancialAccount/ram:IBANID or ram:PayeePartyCreditorFinancialAccount/ram:ProprietaryID)]) = 0