Design patterns - abstract factory and composite

i would like (and i must) to implement bank transfer as abstract factory, but i don't know what component should be in transfer. I know that there must be a recipient there, but i have no idea for other components. What should i put there?

Also i want implement a group of (or one) transfers as composite but i must have business reason why i must use it instead of list of transfers. Any idea?

Implementation of my composite: enter image description here