@RequestMapping(value="/transferToMerchant")
public synchronized ModelAndView transferToMerchant(Principal principal) {
String name = principal.getName();
ExternalAccount currentuser = extBo.findAccountByName(name);
ExternalUserTransaction transfer = new ExternalUserTransaction();
transfer.setUserId(currentuser.getUserid());
transfer.setAccessGranted(1);
transfer.setStatus("Pending");
transfer.setTransType("debitToMerchant");
ModelAndView modelAndView = new ModelAndView("IndividualUserTransferToMerchant");
modelAndView.addObject("transfer", transfer);
return modelAndView;
}