Transfer - the generalization of past experience. The form of projection as a way of interrupting contact, when instead of reality we experience the emotions of the past, and not necessarily from childhood.

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Through our ideas we can not meet the real person, because instead of meeting we experience emotions from previous life.
Normally, transfer is a mechanism of giving meaning to recurring phenomena, we create and save a character of certain people in our environment.
The transfer become the contact interrupting mechanism when the distance between person and reality is very big; when the connection with the previous experience is forgotten and it replaces the reality.
If the projection is a part of us, which we care outside, then the transfer is a generalization to the whole person: there is not something in You, this is You yourself.
For example, love is an erotic variant of positive transfer.

More about:

Contact Interrupting Mechanisms

Projection