Time I believe is the experience of continuity of phenomena. How do we measure time? At different intervals. So philosophically time is the experience of continuity in nature where we become aware of several points of it by experiencing it with 'being' immersed in phenomena when no boundaries seem to exist between ourselves and the phenomena, so as we become a participant in the phenomena. We become a part of the objective reality. And it becomes difficult to separate the subjective reality with the objective one. Whenever we become aware of our subjective reality again, we feel we have spent some moments away from ourselves, somewhere outside ourselves, this leads to experience of time. You mentioned a statement ''Time is squeeze fact in that moment and suspense between two naught.'' This is the similar expression to what I just said. Between the two naughts, i.e. between two intervals, when there is a fluctuation of awareness of subjective self and again bouncing back into the objective reality. Again you said, ''time has just one fact, this moment'', because we become aware of it at the moment of awareness of subjective self.
Psychological aspect can be understood as experience of thoughts. Thoughts function in the same way as different points in different intervals, and they serve as objective reality. Awareness of the thinker behind is the subjective part. Mind is the continuity of phenomena of thoughts where one immerses oneself to lose the feeling of subjective reality, therefore, when we return to realize ''they are just thoughts'', we sense time. But this whole process happens extremely fast, we become aware of the separation of self and thought process several times during thinking process that we forget this has anything significant. But what we are experiencing during this whole process is moments of 'time awareness'. Bouncing back again and again into thoughts and self. Therefore we do experience time, but do not realize that spaces between thoughts when we become aware of our self is the reason behind experience of time. When this awareness breaks, we again return to the continuity of thoughts.
I remember an engaging lecture on the cognitive semantics of time by Vyv Evans that defined the many things time could be. I believe he entitled a book, "The Structure of Time".
Pedro La'in Entralgo, a Spanish medical anthropologist, divides time into three modalities: cosmic time (clock time, astronomical time, etc.), biological time (organic body functions, aging, etc.), and biographical time (periods of productivity, subjective perceptions of time, etc.).Philosophies have been devised which take into account any or all of these three modalities. Psychological time is not quite synonymous with biographic time, since the psyche is only one organ of the bios, or individual life.