This research paper presents the design and conceptual framework of a Personal Autopay System aimed at automating recurring financial transactions. The system enables users to schedule and manage periodic payments such as utility bills, subscription services, insurance premiums, and loan installments without manual intervention. By integrating automated scheduling, payment gateway interaction, transaction monitoring, and secure record management, the proposed system improves payment reliability and reduces the risk of missed or delayed payments. The study discusses the architecture, workflow, key features, applications, security considerations, and operational challenges associated with automated payment systems. Additionally, it explores the potential integration of emerging technologies such as artificial intelligence for predictive transaction monitoring and blockchain for secure and transparent record keeping. The objective of this work is to analyze how automated recurring payment systems can improve financial management efficiency for individuals and organizations. The paper also highlights the growing importance of automated payment infrastructures in the evolving digital finance ecosystem and outlines future directions for intelligent, secure, and scalable autopay solutions.
V et al. (Sat,) studied this question.