# Payment Alert Extraction - Implementation Summary

## Files Modified

### 1. `prompts/email_classify.txt`
- Added "payment_alert" as a third classification option
- Added detection rules for payment failures, card declines, billing issues
- Payment alerts take priority over other classifications

### 2. `prompts/payment_alert_extract.txt` (NEW)
- New prompt template for extracting payment alert details
- Extracts: merchant, alert_type, amount, deadline, action_needed, summary
- Returns `{"not_a_payment_alert": true}` if not a genuine payment alert

### 3. `config.py`
- Added `payment_alert_extract.txt` to the `load_prompts()` function

### 4. `hermes.py`
- Added `format_payment_alert()` function to format payment alerts for Telegram
- Adds `[PAYMENT ALERT]` prefix with 🚨 emoji
- Includes merchant name, amount, deadline, and action needed
- Updated `push_pipeline_results()` to handle payment alerts (sent immediately, not batched)

### 5. `newsletter_parser.py`
- Updated `classify_email()` to accept `payment_hint` parameter
- When payment keywords are detected, adds a hint to the LLM classifier
- Returns "payment_alert" if LLM classifies as such

### 6. `pipeline.py`
- Added `_PAYMENT_ALERT_KEYWORDS` tuple with detection phrases:
  - "payment failed", "card declined", "declined", "transaction failed"
  - "card expired", "update your payment", "payment method"
  - "subscription suspended", "account will be canceled"
  - "your payment could not be processed", "payment was unsuccessful"
  - "unpaid invoice", "past due", "overdue payment"
- Added `_scan_payment_alert()` function for fast keyword pre-scan
- Added `parse_payment_alert_with_llm()` function to extract details via LLM
- Updated `_triage_email()` to pass payment hints to classifier
- Updated `_process_emails_inner()` to handle payment_alert classification:
  - Extracts alert details via LLM
  - Sends immediate notification via Telegram
  - Ingests into Family Brain for RAG retrieval
- Updated `_process_webhook_email_inner()` with same payment alert handling
- Added `payment_alerts` key to result dictionaries

## Behavior

When a payment alert email arrives:
1. Fast keyword scan detects payment-related keywords
2. Email is classified as "payment_alert" by LLM
3. Details extracted: merchant, amount, deadline, action needed
4. Immediate Telegram notification sent with `[PAYMENT ALERT]` prefix
5. Email ingested into Family Brain for reference

## Testing

Quick test of keyword detection:
```python
from family_assistant.pipeline import _scan_payment_alert

_scan_payment_alert("Netflix: Payment declined", "Your card was declined")
# Returns: True
```

## Deployment

All changes are in the `family_assistant` package. No database changes, no new CLI commands, no Icarus modifications.