Payment Reminder Skill

Purpose: Generate intelligent payment reminders with urgency classification, personalization, and multi-channel format support.

Skill Metadata

yaml

name: payment-reminder
version: 1.0.0
author: Money Flow Team
description: Smart payment reminders with urgency-based prioritization
tags: [reminders, notifications, scheduling, payments]
requires:
  - upcoming_payments
  - user_preferences
  - notification_channels

Capabilities

1. Reminder Generation

Generate contextual payment reminders:

•Due Date Awareness: Days until payment due
•Amount Context: Show payment amount and currency
•Payment Method: Card ending in, bank account, etc.
•Historical Context: "This is your 12th Netflix payment"

2. Urgency Classification

Classify reminders by urgency level:

Level	Days Until Due	Color	Icon
Critical	0-1 days	Red	!
High	2-3 days	Orange	⚠️
Medium	4-7 days	Yellow
Low	8-14 days	Blue
Scheduled	15+ days	Gray	📅

3. Personalization Rules

Adapt reminders based on user behavior:

•Payment history (always on time vs. sometimes late)
•Preferred reminder timing
•Amount thresholds for importance
•Category preferences (prioritize bills over subscriptions)

4. Multi-Channel Formats

Generate reminders for different channels:

•In-app notifications
•Email digests
•SMS alerts (critical only)
•Push notifications
•Calendar events

Reminder Patterns

Pattern: Single Payment Reminder

xml

<reminder urgency="{critical|high|medium|low}">
  <payment>
    <service_name>{name}</service_name>
    <amount>{currency}{amount}</amount>
    <due_date>{date}</due_date>
    <days_until_due>{days}</days_until_due>
    <payment_method>{card_type} ending in {last_4}</payment_method>
  </payment>
  <message>
    <title>{title}</title>
    <body>{body}</body>
    <action_url>{url}</action_url>
  </message>
</reminder>

Pattern: Daily Digest

xml

<daily_digest date="{date}">
  <summary>
    <total_due_today>{count} payments ({currency}{total})</total_due_today>
    <total_due_this_week>{count} payments ({currency}{total})</total_due_this_week>
  </summary>
  <critical_payments>
    <payment service="{name}" amount="{amount}" due="{date}" />
  </critical_payments>
  <upcoming_payments>
    <payment service="{name}" amount="{amount}" due="{date}" />
  </upcoming_payments>
</daily_digest>

Pattern: Weekly Summary

xml

<weekly_summary week_of="{date}">
  <overview>
    <total_payments>{count}</total_payments>
    <total_amount>{currency}{amount}</total_amount>
  </overview>
  <calendar>
    <day date="{date}">
      <payment service="{name}" amount="{amount}" />
    </day>
  </calendar>
  <budget_impact>
    <remaining_budget>{currency}{amount}</remaining_budget>
    <projected_balance>{currency}{amount}</projected_balance>
  </budget_impact>
</weekly_summary>

Response Templates

Critical Reminder (Due Today/Tomorrow)

code

🚨 **Payment Due {today|tomorrow}!**

**{service_name}** - {currency}{amount}

Due: {due_date}
Payment Method: {card_type} ending in {last_4}

{action_button: "View Payment Details"}

💡 This payment will be automatically charged to your card.

Standard Reminder (2-7 days)

code

📅 **Upcoming Payment**

**{service_name}** - {currency}{amount}
Due in {days} days ({due_date})

Payment Method: {card_type} ending in {last_4}
{if card_balance_low: "⚠️ Card balance may be low for this payment"}

{action_button: "Manage Subscription"}

Weekly Digest Email

code

Subject: Your Weekly Payment Summary - {week_range}

Hi {user_name},

Here's your payment schedule for this week:

**This Week's Payments ({count})**
Total: {currency}{total}

{for each day with payments:}
📆 {day_name}, {date}
{for each payment:}
  • {service_name}: {currency}{amount}
{end for}
{end for}

**Budget Check**
{if on_track:}
✅ You're on track with your {category} budget
{else:}
⚠️ These payments will put you over your {category} budget by {currency}{amount}
{end if}

{action_button: "View Full Calendar"}

Best,
Money Flow

Push Notification Formats

json

{
  "critical": {
    "title": "Payment Due Today!",
    "body": "{service_name} - {amount} due today",
    "priority": "high",
    "sound": "default",
    "badge": 1
  },
  "high": {
    "title": "Payment Due Soon",
    "body": "{service_name} - {amount} due in {days} days",
    "priority": "high",
    "sound": "default"
  },
  "medium": {
    "title": "Upcoming Payment",
    "body": "{service_name} - {amount} due {date}",
    "priority": "normal"
  },
  "low": {
    "title": "Payment Scheduled",
    "body": "{service_name} - {amount} on {date}",
    "priority": "low"
  }
}

Scheduling Logic

Default Reminder Schedule

python

REMINDER_SCHEDULE = {
    "critical_amount": 100,  # Currency amount threshold
    "schedules": {
        "default": [
            {"days_before": 7, "urgency": "low"},
            {"days_before": 3, "urgency": "medium"},
            {"days_before": 1, "urgency": "high"},
            {"days_before": 0, "urgency": "critical"}
        ],
        "high_amount": [  # For payments > critical_amount
            {"days_before": 14, "urgency": "low"},
            {"days_before": 7, "urgency": "medium"},
            {"days_before": 3, "urgency": "high"},
            {"days_before": 1, "urgency": "critical"},
            {"days_before": 0, "urgency": "critical"}
        ],
        "bills": [  # Housing, utilities
            {"days_before": 7, "urgency": "medium"},
            {"days_before": 3, "urgency": "high"},
            {"days_before": 1, "urgency": "critical"},
            {"days_before": 0, "urgency": "critical"}
        ]
    }
}

Smart Scheduling

Adjust reminders based on:

•
Payment History
- •User always pays on time → Fewer reminders
- •User sometimes misses payments → More reminders
•
Day of Week
- •Don't send low-priority reminders on weekends
- •Send critical reminders any time
•
Time of Day
- •Morning (8-9 AM) for daily digests
- •Evening (6-7 PM) for next-day reminders
•
User Timezone
- •Respect user's local time
- •Don't send notifications during sleep hours

Example Conversations

Example 1: Daily Check

User: "What payments do I have coming up?"

Assistant:

code

Here are your upcoming payments:

**This Week**
🔴 Tomorrow: Netflix - £15.99
🟠 Friday: Spotify - £10.99
🟢 Sunday: iCloud - £2.99

**Next Week**
📅 Monday: Rent - £1,200.00
📅 Wednesday: Electric Bill - £85.00

Total coming up: £1,314.97

Would you like me to remind you before any specific payment?

Example 2: Set Custom Reminder

User: "Remind me 3 days before my rent is due"

Assistant:

code

I've set up a reminder for your rent payment:

**Rent** - £1,200.00
📅 Due: January 1, 2026
🔔 Reminder: December 29, 2025 (3 days before)

I'll send you a notification on that day. Would you also like:
- A weekly summary of all upcoming payments?
- An extra reminder the day before?

Example 3: Handle Late Payment Risk

User: "I might not have enough for my rent next week"

Assistant:

code

I understand. Let me help you plan:

**Rent Due**: January 1, 2026 - £1,200.00

**Your other payments before rent:**
- Netflix: £15.99 (Dec 27)
- Spotify: £10.99 (Dec 28)
- Total: £26.98

**Options:**
1. ⏸️ Pause Netflix/Spotify temporarily to save £26.98
2. 📅 Contact landlord about payment date
3. 💳 Check if any subscriptions can be paid after rent

Would you like me to help with any of these options?

Configuration Options

yaml

reminder_settings:
  # Notification preferences
  channels:
    in_app: true
    email: true
    push: true
    sms: false  # Only for critical

  # Timing preferences
  digest_time: "08:00"  # Daily digest time
  quiet_hours:
    start: "22:00"
    end: "07:00"

  # Urgency thresholds
  critical_threshold_days: 1
  high_threshold_days: 3
  medium_threshold_days: 7

  # Amount thresholds
  high_amount_threshold: 100

  # Personalization
  reduce_reminders_if_on_time: true
  max_reminders_per_day: 5
  group_small_payments: true
  small_payment_threshold: 10

Error Handling

Scenario	Response
No upcoming payments	"You don't have any payments due in the next 30 days."
Invalid date	"I couldn't understand that date. Try 'next Tuesday' or 'January 15'."
Notification delivery failed	"I couldn't send the notification. Check your notification settings."
Time zone unknown	"What timezone are you in? This helps me send reminders at the right time."

Integration Points

Input Data

python

class UpcomingPayment:
    id: str
    service_name: str
    amount: Decimal
    currency: str
    due_date: date
    payment_method: PaymentMethod | None
    category: str
    payment_type: str
    reminder_settings: ReminderSettings | None

API Endpoints

•GET /api/v1/subscriptions/upcoming - Get upcoming payments
•POST /api/v1/reminders - Create custom reminder
•PUT /api/v1/reminders/{id} - Update reminder
•GET /api/v1/reminders/schedule - Get reminder schedule

Related Skills

•Financial Analysis Skill - Analyzes payment patterns for smart scheduling
•Debt Management Skill - Prioritizes debt payments in reminders
•Savings Goal Skill - Reminds about savings contributions