add notifications logic and add support of both JWT and Sanctum

app/old/Commands/CheckMissedPayments.php

@@ -0,0 +1,35 @@
+<?php
+
+namespace App\Commands;
+
+use CodeIgniter\CLI\BaseCommand;
+use CodeIgniter\CLI\CLI;
+use App\Models\UserModel;
+use App\Services\NotificationService;
+
+class CheckMissedPayments extends BaseCommand
+{
+    protected $group       = 'Payments';
+    protected $name        = 'payments:check-missed';
+    protected $description = 'Checks for users who missed payments and sends reminders.';
+
+    public function run(array $params)
+    {
+        $userModel = new UserModel();
+
+        // Fetch users who missed payment (you need to implement this query)
+        $missedUsers = $userModel->getUsersWithMissedPayments();
+
+        foreach ($missedUsers as $user) {
+            NotificationService::toUser(
+                $user['id'],
+                'Payment Missed',
+                'You have a missed payment. Please pay to avoid penalty.',
+                ['in_app', 'email', 'sms']
+            );
+            CLI::write("Reminder sent to {$user['email']}", 'yellow');
+        }
+
+        CLI::write("Finished checking missed payments.", 'green');
+    }
+}