1. System generates a bill payment to the user.
2. System checks the status of automatic bill payment service for the user account.
3. If automatic bill payment is active, the system checks the user’s account balance. Otherwise, the system sent a notification email to remind the user make the payment themselves.
4. If the user’s account has sufficient balance to make the payment, the system deducts the amount of payment from user’s account. Otherwise, the system sends a notification email to remind the user make the payment themselves.
5. The system generates a copy of the receipt to the user.

After understanding the automatic bill payment process above, use an activity diagram without swimlane notation to illustrate:

(a) Step-by-step activities for the automatic bill payment process. 

(b) Decision points for the automatic bill payment process. 

(c) Usage of state components. 

[Hints: Combine the answer (a), (b) and (c) into an activity diagram without a swimlane]