Online informatics application for managing payments and time for individuals

Various solutions have been proposed for the utilities payments e.g. gas, electricity, water, mobile and fixed phones, internet, TV, insurance, local taxes, etc. These payments are generally classified in two categories: online payment methods and outside payments methods, at different pay points. This paper presents a solution for paying the utilities that involves an online method which has an original and novel concept. This method is transparent to the user and involves zero time spent for payments and smaller costs generated by commissions than in other existing payment methods. It provides the facility for the user to perform a single payment in a month that centralizes all the utility invoices together with local taxes, car and house insurance in a month which are redirected to each utility provider or billing entity.