The difference is you wouldn't be able to trust any of the data coming from the client, so you need a scheduler. That's computationally expensive for a process involving a large number of pilots * however many ships.
Unless, of course, it's not a timer but a request queue which is actioned at the same time as a galaxy background simulation tick, i.e. once per day. In that case it's a relatively simple set of database transactions, one per ship transfer request, possibly with a message added to the commander's message list.