I tried to use Skills as Passives, Abilities as Actives, and Talents as attribute based Perks when I was trying to make a game.
To clarify, a skill is something you do, but that doesn't directly consume depletable resources. So, masonry, carpentry, Sword-User, Evasion. Things that you can just do, and get better at through practice and training.
Abilities, also called Spells, would be actions that consume a certain resource through a specific action. So you could have an Ability related to a skill, like Stone Shape, Wood Shape, Cross-Strike, or Magical Dodge.
And Talents, things related to your self, without being trainable or active. Stronger Muscles, Flexible Limbs, Perfect Memorization, Instant Recollection, Immunity to Emotional Outbursts, Luckiness.
However... It really isn't a static thing. Any word can have any meaning in any story/game. In my novel, I ended up dropping Skills and Talents and just used Abilities as a general, "This is the important things they can do. Except it's not all they can do." I kind of want to go back to all three, but the main reason I dropped it was because it was unnecessarily complicated. There's no point in writing out three separate sheets of info that probably missed important features when the only one that matters is, "I throw rocks. With my Mind!"