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How to transfer money?
There is no way to do it.

Your idea is called non-transaction transfer, which is very troublesome to operate. General inheritance, judicial enforcement, gift, etc. Can be used for non-transaction transfer. If you don't have these conditions, you can't do non-transaction transfer.

You can ask for her account password to operate, or you can ask her to sell it and remit the money to you to buy it back.