Why is it not a transfer when a salary SMS is transferred to an account? What is the difference?

Transfer is from one account to another, and can only be directly transferred from one account to another. Transfer, first, the current account of the same account is converted into fixed-term or fixed-term current account; Second, transfer the money from your account to your account by cheque. , which may require other transitional links. For example, the bank's collection and payment business needs to open a suspended account for customers, which is an intermediate transition.