Basic accounting - recurring charges

Need help Database
1

I’m building an app that will keep track of multiple members of an organization and their dues to the organization.

Steps I’ve done so far.

  1. Created a Data Type “Members” that includes the member’s basic info.
  2. Created a Data Type “Charges” that includes the different kinds of charges the members will be paying.
  3. Created a Data Type “Bills” for all bills.
  4. Created a Data Type “Receipts” for all receipts.

I’ve created a list (associated recurring charges) under “Members” that lists all the recurring “Charges” that member will be paying for.

Problem:
I can’t seem to figure out how to create “Bills” for all “Members” based on what “Charges” are in the members’ (associated recurring charges).

I’m guessing the answer has something to do with scheduling an API workflow but I have no idea how to do that. If that is the answer, can someone give me some pointers or point me to the documentation for how to set up scheduling API workflows?

Thanks in advance.