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Implement AI-powered negotiation strategy and letter generation for debt negotiation

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This commit is contained in:
Francisco Pessano
2025-06-07 12:27:38 -03:00
parent 8000e5fa37
commit aa287e424d
2 changed files with 279 additions and 33 deletions
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69
src/pages/api/postmark.ts
View File

@@ -25,6 +25,56 @@ const debtSchema = z.object({
.describe("Whether the debt information was successfully parsed"),
});
// Schema for opt-out detection
const optOutSchema = z.object({
isOptOut: z.boolean().describe("Whether this email contains an opt-out request"),
confidence: z
.number()
.min(0)
.max(1)
.describe("Confidence level of the opt-out detection"),
reason: z
.string()
.describe("Explanation of why this was classified as opt-out or not"),
});
// Function to detect opt-out requests using AI
async function detectOptOutWithAI(emailText: string, fromEmail: string) {
try {
const googleApiKey =
process.env.GOOGLE_GENERATIVE_AI_API_KEY ||
import.meta.env.GOOGLE_GENERATIVE_AI_API_KEY;
if (!googleApiKey) {
console.warn("Google API key not configured, falling back to keyword detection");
return null;
}
const result = await generateObject({
model: createGoogleGenerativeAI({
apiKey: googleApiKey,
})("gemini-2.5-flash-preview-04-17"),
system: `You are an expert at analyzing email content to detect opt-out requests.
Analyze the email to determine if the sender is requesting to opt-out, unsubscribe,
or stop receiving communications. Consider:
- Explicit opt-out keywords (STOP, UNSUBSCRIBE, REMOVE, etc.)
- Implicit requests to stop communication
- Context and tone indicating unwillingness to continue correspondence
- Legal language requesting cessation of contact
Be conservative - only flag as opt-out if you're confident it's a genuine request.`,
prompt: `Analyze this email for opt-out intent:
From: ${fromEmail}
Content: ${emailText}`,
schema: optOutSchema,
});
return result.object;
} catch (error) {
console.error("AI opt-out detection error:", error);
return null;
}
}
// Function to parse debt information using AI
async function parseDebtWithAI(emailText: string, fromEmail: string) {
try {
@@ -115,7 +165,6 @@ export const POST: APIRoute = async ({ request }) => {
}
// Check for opt-out keywords
const optOutKeywords = ["STOP", "UNSUBSCRIBE", "OPT-OUT", "REMOVE"];
const textBody = data.TextBody || data.HtmlBody || "";
const fromEmail = data.FromFull?.Email || data.From || "unknown";
const toEmail = data.ToFull?.[0]?.Email || data.To || "";
@@ -130,9 +179,21 @@ export const POST: APIRoute = async ({ request }) => {
// Increment email processing usage
await incrementEmailUsage(userId, supabaseAdmin);
const hasOptOut = optOutKeywords.some((keyword) =>
textBody.toUpperCase().includes(keyword)
);
// Check for opt-out using AI
const optOutDetection = await detectOptOutWithAI(textBody, fromEmail);
let hasOptOut = false;
if (optOutDetection) {
hasOptOut = optOutDetection.isOptOut && optOutDetection.confidence > 0.7;
console.log(`AI opt-out detection: ${hasOptOut} (confidence: ${optOutDetection.confidence})`);
} else {
// Fallback to keyword matching if AI is unavailable
const optOutKeywords = ["STOP", "UNSUBSCRIBE", "OPT-OUT", "REMOVE"];
hasOptOut = optOutKeywords.some((keyword) =>
textBody.toUpperCase().includes(keyword)
);
console.log("Using fallback keyword opt-out detection");
}
if (hasOptOut) {
// Log opt-out and don't process further

243
supabase/functions/negotiate/index.ts
View File

@@ -1,13 +1,17 @@
/*
# Debt Negotiation AI Edge Function
This function generates FDCPA-compliant negotiation responses based on debt amounts:
- < $500: 30-day extension request
- $500-$2000: 3-month installment plan
- >= $2000: 60% lump-sum settlement offer
This function generates FDCPA-compliant negotiation responses using AI analysis:
- Analyzes debt details and vendor information
- Generates personalized negotiation strategies
- Creates contextually appropriate response letters
- Ensures FDCPA compliance
*/
import { createClient } from 'npm:@supabase/supabase-js@2';
import { generateObject } from 'npm:ai@4.3.16';
import { createGoogleGenerativeAI } from 'npm:@ai-sdk/google@1.2.19';
import { z } from 'npm:zod@3.23.8';
const corsHeaders = {
'Access-Control-Allow-Origin': '*',
@@ -15,11 +19,172 @@ const corsHeaders = {
'Access-Control-Allow-Methods': 'POST, OPTIONS',
};
// Schema for AI negotiation strategy
const negotiationStrategySchema = z.object({
strategy: z.enum(['extension', 'installment', 'settlement', 'dispute']).describe('The recommended negotiation strategy'),
confidenceLevel: z.number().min(0).max(1).describe('Confidence in the strategy recommendation'),
projectedSavings: z.number().min(0).describe('Estimated savings from this strategy'),
reasoning: z.string().describe('Explanation of why this strategy was chosen'),
customTerms: z.object({
extensionDays: z.number().optional().describe('Days for extension if applicable'),
installmentMonths: z.number().optional().describe('Number of months for installment plan'),
settlementPercentage: z.number().optional().describe('Settlement percentage (0-1) if applicable'),
monthlyPayment: z.number().optional().describe('Monthly payment amount for installments'),
}).describe('Custom terms based on the strategy'),
});
// Schema for AI-generated negotiation letter
const negotiationLetterSchema = z.object({
letter: z.string().describe('The complete negotiation letter text'),
tone: z.enum(['formal', 'respectful', 'assertive', 'conciliatory']).describe('The tone used in the letter'),
keyPoints: z.array(z.string()).describe('Key negotiation points included in the letter'),
fdcpaCompliant: z.boolean().describe('Whether the letter meets FDCPA compliance requirements'),
});
interface DebtRecord {
id: string;
vendor: string;
amount: number;
raw_email: string;
description?: string;
due_date?: string;
metadata?: {
isDebtCollection?: boolean;
subject?: string;
fromEmail?: string;
};
}
// AI-powered negotiation strategy generator
async function generateNegotiationStrategy(record: DebtRecord) {
try {
const googleApiKey = Deno.env.get('GOOGLE_GENERATIVE_AI_API_KEY');
if (!googleApiKey) {
console.warn('Google API key not configured, falling back to rule-based strategy');
return generateFallbackStrategy(record);
}
const result = await generateObject({
model: createGoogleGenerativeAI({
apiKey: googleApiKey,
})('gemini-2.5-flash-preview-04-17'),
system: `You are an expert debt negotiation advisor specializing in FDCPA-compliant strategies.
Analyze the debt details and recommend the best negotiation approach. Consider:
- Debt amount and type
- Vendor/creditor information
- Legal compliance requirements
- Realistic settlement possibilities
- Consumer protection laws
Strategy guidelines:
- Extension: For temporary hardship, usually < $500
- Installment: For manageable monthly payments, $500-$2000
- Settlement: For significant savings, typically $2000+
- Dispute: If debt validity is questionable
Always ensure FDCPA compliance and realistic expectations.`,
prompt: `Analyze this debt for negotiation strategy:
Amount: $${record.amount}
Vendor: ${record.vendor}
Description: ${record.description || 'Not specified'}
Due Date: ${record.due_date || 'Not specified'}
Email Content Preview: ${record.raw_email.substring(0, 500)}...
Recommend the best negotiation strategy with specific terms.`,
schema: negotiationStrategySchema,
});
return result.object;
} catch (error) {
console.error('AI strategy generation error:', error);
return generateFallbackStrategy(record);
}
}
// Fallback rule-based strategy when AI is unavailable
function generateFallbackStrategy(record: DebtRecord) {
let strategy: 'extension' | 'installment' | 'settlement' | 'dispute' = 'extension';
let projectedSavings = 0;
let customTerms = {};
if (record.amount < 500) {
strategy = 'extension';
projectedSavings = 0;
customTerms = { extensionDays: 30 };
} else if (record.amount >= 500 && record.amount < 2000) {
strategy = 'installment';
projectedSavings = record.amount * 0.1;
customTerms = {
installmentMonths: 3,
monthlyPayment: Math.round(record.amount / 3 * 100) / 100
};
} else {
strategy = 'settlement';
projectedSavings = record.amount * 0.4;
customTerms = { settlementPercentage: 0.6 };
}
return {
strategy,
confidenceLevel: 0.7,
projectedSavings,
reasoning: 'Generated using rule-based fallback logic',
customTerms,
};
}
// AI-powered negotiation letter generator
async function generateNegotiationLetter(record: DebtRecord, strategy: any) {
try {
const googleApiKey = Deno.env.get('GOOGLE_GENERATIVE_AI_API_KEY');
if (!googleApiKey) {
console.warn('Google API key not configured, falling back to template');
return generateFallbackLetter(record, strategy);
}
const result = await generateObject({
model: createGoogleGenerativeAI({
apiKey: googleApiKey,
})('gemini-2.5-flash-preview-04-17'),
system: `You are an expert at writing FDCPA-compliant debt negotiation letters.
Create professional, respectful letters that:
- Follow Fair Debt Collection Practices Act requirements
- Are appropriately formal but human
- Include specific negotiation terms
- Maintain consumer rights protections
- Are personalized to the specific situation
Always include FDCPA compliance language and validation requests.
Keep tone professional but not overly legal or intimidating.`,
prompt: `Generate a negotiation letter for this debt:
Debt Amount: $${record.amount}
Vendor: ${record.vendor}
Strategy: ${strategy.strategy}
Custom Terms: ${JSON.stringify(strategy.customTerms)}
Reasoning: ${strategy.reasoning}
Create a complete, ready-to-send negotiation letter.`,
schema: negotiationLetterSchema,
});
return result.object;
} catch (error) {
console.error('AI letter generation error:', error);
return generateFallbackLetter(record, strategy);
}
}
// Fallback letter generation
function generateFallbackLetter(record: DebtRecord, strategy: any) {
const letter = generateNegotiationResponse(record, strategy.strategy);
return {
letter,
tone: 'formal' as const,
keyPoints: ['Payment arrangement', 'FDCPA compliance', 'Good faith negotiation'],
fdcpaCompliant: true,
};
}
Deno.serve(async (req) => {
@@ -34,31 +199,31 @@ Deno.serve(async (req) => {
const supabaseKey = Deno.env.get('SUPABASE_SERVICE_ROLE_KEY')!;
const supabase = createClient(supabaseUrl, supabaseKey);
// Generate negotiation strategy based on amount
let strategy = '';
let projectedSavings = 0;
// Generate AI-powered negotiation strategy
const strategy = await generateNegotiationStrategy(record);
// Generate AI-powered negotiation letter
const letterResult = await generateNegotiationLetter(record, strategy);
if (record.amount < 500) {
strategy = 'extension';
projectedSavings = 0; // No savings, just time
} else if (record.amount >= 500 && record.amount < 2000) {
strategy = 'installment';
projectedSavings = record.amount * 0.1; // 10% savings from avoiding late fees
} else {
strategy = 'settlement';
projectedSavings = record.amount * 0.4; // 40% savings from 60% settlement
}
// Generate FDCPA-compliant response
const negotiatedPlan = generateNegotiationResponse(record, strategy);
// Update debt record
// Update debt record with AI-generated content
const { error: updateError } = await supabase
.from('debts')
.update({
negotiated_plan: negotiatedPlan,
projected_savings: projectedSavings,
status: 'negotiating'
negotiated_plan: letterResult.letter,
projected_savings: strategy.projectedSavings,
status: 'negotiating',
metadata: {
...record.metadata,
aiStrategy: {
strategy: strategy.strategy,
confidence: strategy.confidenceLevel,
reasoning: strategy.reasoning,
customTerms: strategy.customTerms,
letterTone: letterResult.tone,
keyPoints: letterResult.keyPoints,
fdcpaCompliant: letterResult.fdcpaCompliant,
}
}
})
.eq('id', record.id);
@@ -73,14 +238,22 @@ Deno.serve(async (req) => {
debt_id: record.id,
action: 'negotiation_generated',
details: {
strategy,
strategy: strategy.strategy,
amount: record.amount,
projected_savings: projectedSavings
projected_savings: strategy.projectedSavings,
ai_confidence: strategy.confidenceLevel,
reasoning: strategy.reasoning
}
});
return new Response(
JSON.stringify({ success: true, strategy, projected_savings: projectedSavings }),
JSON.stringify({
success: true,
strategy: strategy.strategy,
projected_savings: strategy.projectedSavings,
confidence: strategy.confidenceLevel,
reasoning: strategy.reasoning
}),
{ headers: { ...corsHeaders, 'Content-Type': 'application/json' } }
);
@@ -97,7 +270,7 @@ Deno.serve(async (req) => {
});
function generateNegotiationResponse(record: DebtRecord, strategy: string): string {
const vendorDomain = record.vendor.split('@')[1] || 'your company';
const vendorDomain = record.vendor.includes('@') ? record.vendor.split('@')[1] : record.vendor;
const companyName = vendorDomain.split('.')[0].toUpperCase();
const baseResponse = `Dear ${companyName} Collections Department,
@@ -132,6 +305,18 @@ During this extension period, I request that no additional fees or interest be a
This settlement would be paid within 10 business days of written acceptance of this offer. Upon payment, I request written confirmation that this account will be considered paid in full and closed.`;
break;
case 'dispute':
proposal = `I am formally disputing this debt and requesting validation under Section 809(b) of the Fair Debt Collection Practices Act.
Please provide:
- Verification of the debt amount
- Name and address of the original creditor
- Copy of any judgment (if applicable)
- Verification of your authority to collect this debt
Until proper validation is provided, I request that all collection activities cease.`;
break;
}
const closingResponse = `