Published Paper Details:

Generally, large retail shops struggle to track their customers purchasing heavy merchandise. These sizable transactions often involve special offers that allow customers to pay in installments over a set period. These sizable transactions often involve special offers that allow customers to pay in installments over a set period. To address this issue, the Deferred Instalment and Automatic Payment Monitoring (DIAFM) system steps in to assist retailers. This system includes a feature that facilitates periodic notifications and tracking. One innovative aspect of this system is its automatic bill payment reminder functionality. This method streamlines the process by automatically handling the payment of regular bills for users at predefined intervals. The method also includes providing an automatic reminder process, where the automatic reminder process automatically sends reminders before the automatic payment of the bills at predetermined time intervals, enhancing accountability and reducing financial risks for both customers and retailers.