Here is a good definition of transfer and transport protocol found on SOA discussion forum.
They're two different protocols of the stack that play
entirely different, non-overlapping roles. Transport is for
moving bits around the network. Transfer is for exchanging
data between applications. Transfer uses transport.
In OSI-speak (since somebody brought it up) IIOP, SOAP (as
commonly used), etc.. are layer 5/6 protocols, while transfer
protocols are layer 7. That's why I've always got a chuckle
about those try to put SOAP over HTTP 8-)