Adds AI-driven conversation tracking to debt negotiation

Introduces comprehensive conversation history with a new table and UI for tracking all negotiation emails, AI analysis, and financial outcomes. Enhances real-time updates, manages negotiation rounds, and supports new statuses for negotiation lifecycle. Integrates AI-powered extraction and response analysis to automate intent detection and outcome calculations, improving transparency and automation of debt resolution.

supabase/functions/analyze-response/index.ts

@@ -0,0 +1,754 @@
+import { serve } from "https://deno.land/std@0.168.0/http/server.ts";
+import { createClient } from "https://esm.sh/@supabase/supabase-js@2";
+import { generateObject } from "https://esm.sh/ai@3.4.7";
+import { createGoogleGenerativeAI } from "https://esm.sh/@ai-sdk/google@0.0.52";
+import { z } from "https://esm.sh/zod@3.22.4";
+
+const corsHeaders = {
+  "Access-Control-Allow-Origin": "*",
+  "Access-Control-Allow-Headers":
+    "authorization, x-client-info, apikey, content-type",
+};
+
+// Schema for AI response analysis
+const responseAnalysisSchema = z.object({
+  intent: z.enum([
+    "acceptance",
+    "rejection",
+    "counter_offer",
+    "request_info",
+    "unclear",
+  ])
+    .describe("The primary intent of the response"),
+  sentiment: z.enum(["positive", "negative", "neutral"])
+    .describe("Overall sentiment of the response"),
+  confidence: z.number().min(0).max(1)
+    .describe("Confidence in the intent classification"),
+  extractedTerms: z.object({
+    proposedAmount: z.number().optional().describe(
+      "Any amount mentioned in response",
+    ),
+    proposedPaymentPlan: z.string().optional().describe(
+      "Payment plan details if mentioned",
+    ),
+    paymentTerms: z.object({
+      monthlyAmount: z.number().optional().describe("Monthly payment amount"),
+      numberOfPayments: z.number().optional().describe(
+        "Number of payments/installments",
+      ),
+      totalAmount: z.number().optional().describe("Total amount to be paid"),
+      interestRate: z.number().optional().describe(
+        "Interest rate if applicable",
+      ),
+      paymentFrequency: z.string().optional().describe(
+        "Payment frequency (monthly, weekly, etc.)",
+      ),
+    }).optional().describe("Structured payment plan terms"),
+    deadline: z.string().optional().describe("Any deadline mentioned"),
+    conditions: z.array(z.string()).optional().describe(
+      "Any conditions or requirements mentioned",
+    ),
+  }).describe("Key terms extracted from the response"),
+  reasoning: z.string().describe("Explanation of the analysis"),
+  suggestedNextAction: z.enum([
+    "accept_offer",
+    "send_counter",
+    "request_clarification",
+    "escalate_to_user",
+    "mark_settled",
+  ]).describe("Recommended next action"),
+  requiresUserReview: z.boolean().describe(
+    "Whether this response needs human review",
+  ),
+});
+
+interface EmailResponseData {
+  debtId: string;
+  fromEmail: string;
+  subject: string;
+  body: string;
+  messageId?: string;
+}
+
+// AI-powered response analysis
+async function analyzeEmailResponse(
+  debtId: string,
+  fromEmail: string,
+  subject: string,
+  body: string,
+  originalNegotiation?: any,
+) {
+  try {
+    const googleApiKey = Deno.env.get("GOOGLE_GENERATIVE_AI_API_KEY");
+    if (!googleApiKey) {
+      console.warn("Google API key not configured, using fallback analysis");
+      return getFallbackAnalysis(body);
+    }
+
+    console.log("Analyzing email with AI:", {
+      fromEmail,
+      subject,
+      bodyLength: body.length,
+    });
+
+    console.log({
+      debtId,
+      fromEmail,
+      subject,
+      body,
+      originalNegotiation,
+    });
+
+    const system =
+      `You are an expert financial analysis AI. Your sole function is to meticulously analyze creditor emails and populate a structured JSON object that conforms to the provided schema.
+
+Your entire output MUST be a single, valid JSON object. Do not include any markdown, explanations, or conversational text outside of the JSON structure itself.
+
+--- FIELD-BY-FIELD INSTRUCTIONS ---
+
+1.  **intent**: Classify the creditor's primary intent.
+    - "acceptance": Clear agreement to our original proposal.
+    - "rejection": Clear refusal of our proposal without offering new terms.
+    - "counter_offer": Proposes ANY new financial terms (different amount, payment plan, etc.). This is the most common intent besides acceptance.
+    - "request_info": Asks for more information (e.g., "Can you provide proof of hardship?").
+    - "unclear": The purpose of the email cannot be determined.
+
+2.  **sentiment**: Classify the emotional tone of the email.
+    - "positive": Cooperative, polite, agreeable language.
+    - "negative": Hostile, demanding, or threatening language.
+    - "neutral": Strictly professional, factual, and devoid of emotional language.
+
+3.  **confidence**: Provide a score from 0.0 to 1.0 for your "intent" classification. (e.g., 0.95).
+
+4.  **extractedTerms**:
+    - **proposedAmount**: Extract a single, lump-sum settlement amount if offered. If the offer is a payment plan, this field should be null.
+    - **proposedPaymentPlan**: Capture the payment plan offer as a descriptive string, exactly as the creditor states it. e.g., "$100 a month for 12 months". If no plan is mentioned, this is null.
+    - **paymentTerms**: If a payment plan is mentioned, break it down into its structured components here. If no plan is mentioned, this entire object should be null.
+        - **monthlyAmount**: The specific amount for each payment.
+        - **numberOfPayments**: The number of installments.
+        - **totalAmount**: The total payout of the plan, ONLY if explicitly stated (e.g., "...totaling $1200").
+        - **interestRate**: The interest rate as a number (e.g., for "5% interest", extract 5).
+        - **paymentFrequency**: The frequency (e.g., "monthly", "weekly", "bi-weekly").
+    - **deadline**: Extract any specific date or timeframe for action (e.g., "by June 30th", "within 10 days").
+    - **conditions**: Extract all non-financial requirements as an array of strings. Example: ["Payment must be via certified funds", "A settlement agreement must be signed"]. If none, use an empty array [].
+
+5.  **reasoning**: Briefly explain the logic behind your "intent" and "suggestedNextAction" classifications, referencing parts of the email.
+
+6.  **suggestedNextAction**: Recommend the most logical business action.
+    - "accept_offer": The creditor's offer matches or is better than our goal.
+    - "send_counter": The creditor made a counter-offer that we should negotiate.
+    - "request_clarification": The email is ambiguous or missing key information.
+    - "escalate_to_user": The response is hostile, contains legal threats, is complex, or requires a human decision.
+    - "mark_settled": The email confirms the debt is fully settled and no further action is needed.
+
+7.  **requiresUserReview**: Set to 'true' if intent is "unclear", sentiment is "negative", confidence is below 0.85, the email contains unusual legal language, or the "suggestedNextAction" is "escalate_to_user". Otherwise, set to 'false'.`;
+
+    const prompt =
+      `Analyze the following email and extract the financial details and intent, populating the JSON object according to your system instructions.
+
+--- EMAIL TO ANALYZE ---
+From: ${fromEmail}
+Subject: ${subject}
+Body: ${body}
+
+${
+        originalNegotiation
+          ? `--- ORIGINAL CONTEXT FOR YOUR ANALYSIS ---
+Our Negotiation Strategy: ${originalNegotiation.strategy}
+Our Proposed Amount: $${originalNegotiation.proposedAmount || "N/A"}
+Our Proposed Terms: ${originalNegotiation.terms || "N/A"}
+Our Reasoning: ${originalNegotiation.reasoning || "N/A"}
+Our Latest Email Body: ${originalNegotiation.body || "N/A"}
+`
+          : ""
+      }`;
+
+    console.log("AI Analysis System:", system);
+    console.log("AI Analysis Prompt:", prompt);
+
+    const result = await generateObject({
+      model: createGoogleGenerativeAI({
+        apiKey: googleApiKey,
+      })("gemini-2.5-flash-preview-04-17"),
+      system,
+      prompt,
+      schema: responseAnalysisSchema,
+    });
+
+    console.log("AI Analysis Result:", JSON.stringify(result.object, null, 2));
+    console.log(
+      "Extracted Terms:",
+      JSON.stringify(result.object.extractedTerms, null, 2),
+    );
+
+    return result.object;
+  } catch (error) {
+    console.error("AI response analysis error:", error);
+    console.log("Falling back to regex-based analysis");
+    return getFallbackAnalysis(body);
+  }
+}
+
+// Calculate financial outcome when offer is accepted
+function calculateFinancialOutcome(debt: any, analysis: any): any {
+  try {
+    const originalAmount = debt.amount || 0;
+    let acceptedAmount = originalAmount;
+    let paymentStructure = null;
+    let financialBenefit = null;
+
+    // Try to extract accepted amount from AI analysis
+    if (analysis.extractedTerms?.proposedAmount) {
+      acceptedAmount = analysis.extractedTerms.proposedAmount;
+    } else if (analysis.extractedTerms?.paymentTerms?.totalAmount) {
+      acceptedAmount = analysis.extractedTerms.paymentTerms.totalAmount;
+    } else if (debt.metadata?.prospectedSavings?.amount) {
+      // Fall back to original negotiation terms if no specific amount mentioned
+      acceptedAmount = originalAmount - debt.metadata.prospectedSavings.amount;
+    }
+
+    // Analyze payment structure if present
+    if (analysis.extractedTerms?.paymentTerms) {
+      const terms = analysis.extractedTerms.paymentTerms;
+      paymentStructure = {
+        type: "installment_plan",
+        monthlyAmount: terms.monthlyAmount,
+        numberOfPayments: terms.numberOfPayments,
+        totalAmount: terms.totalAmount || acceptedAmount,
+        frequency: terms.paymentFrequency || "monthly",
+        interestRate: terms.interestRate || 0,
+      };
+
+      // Calculate time value and cash flow benefits
+      if (terms.monthlyAmount && terms.numberOfPayments) {
+        const totalPayments = terms.monthlyAmount * terms.numberOfPayments;
+        const timeToComplete = terms.numberOfPayments; // in months
+
+        financialBenefit = {
+          type: "payment_restructuring",
+          principalReduction: Math.max(0, originalAmount - totalPayments),
+          cashFlowRelief: {
+            monthlyReduction: originalAmount - terms.monthlyAmount,
+            extendedTermMonths: timeToComplete,
+            totalCashFlowBenefit: (originalAmount - terms.monthlyAmount) *
+              timeToComplete,
+          },
+          timeValueBenefit: calculateTimeValueBenefit(
+            originalAmount,
+            terms.monthlyAmount,
+            timeToComplete,
+          ),
+        };
+      }
+    }
+
+    // Calculate actual savings (principal reduction)
+    const actualSavings = Math.max(0, originalAmount - acceptedAmount);
+
+    // Determine the primary financial benefit
+    if (actualSavings > 0) {
+      financialBenefit = {
+        type: "principal_reduction",
+        amount: actualSavings,
+        percentage: (actualSavings / originalAmount * 100).toFixed(2),
+        description: `${
+          ((actualSavings / originalAmount) * 100).toFixed(1)
+        }% principal reduction`,
+      };
+    } else if (paymentStructure && paymentStructure.monthlyAmount) {
+      // No principal reduction but payment restructuring
+      const monthlyReduction = originalAmount - paymentStructure.monthlyAmount;
+      financialBenefit = {
+        type: "payment_restructuring",
+        monthlyReduction: monthlyReduction,
+        extendedTermMonths: paymentStructure.numberOfPayments,
+        description:
+          `Payment restructured to $${paymentStructure.monthlyAmount}/month over ${paymentStructure.numberOfPayments} months`,
+        cashFlowBenefit: monthlyReduction > 0
+          ? `$${monthlyReduction}/month cash flow relief`
+          : "Extended payment terms",
+      };
+    }
+
+    console.log(
+      `Financial outcome: Original: $${originalAmount}, Accepted: $${acceptedAmount}, Savings: $${actualSavings}`,
+    );
+
+    return {
+      actualSavings,
+      acceptedAmount,
+      paymentStructure,
+      financialBenefit,
+      originalAmount,
+    };
+  } catch (error) {
+    console.error("Error calculating financial outcome:", error);
+    // Return basic fallback
+    return {
+      actualSavings: debt.projected_savings || 0,
+      acceptedAmount: debt.amount,
+      paymentStructure: null,
+      financialBenefit: null,
+      originalAmount: debt.amount,
+    };
+  }
+}
+
+// Calculate time value benefit of extended payment terms
+function calculateTimeValueBenefit(
+  originalAmount: number,
+  monthlyPayment: number,
+  months: number,
+): any {
+  // Simple present value calculation assuming 5% annual discount rate
+  const monthlyRate = 0.05 / 12;
+  let presentValue = 0;
+
+  for (let i = 1; i <= months; i++) {
+    presentValue += monthlyPayment / Math.pow(1 + monthlyRate, i);
+  }
+
+  const timeValueBenefit = originalAmount - presentValue;
+
+  return {
+    presentValueOfPayments: presentValue.toFixed(2),
+    timeValueBenefit: timeValueBenefit.toFixed(2),
+    effectiveDiscount: ((timeValueBenefit / originalAmount) * 100).toFixed(2),
+  };
+}
+
+// Fallback analysis when AI is unavailable
+function getFallbackAnalysis(
+  body: string,
+): typeof responseAnalysisSchema._type {
+  const lowerBody = body.toLowerCase();
+
+  // Simple keyword-based analysis
+  let intent:
+    | "acceptance"
+    | "rejection"
+    | "counter_offer"
+    | "request_info"
+    | "unclear" = "unclear";
+  let sentiment: "positive" | "negative" | "neutral" = "neutral";
+
+  if (
+    lowerBody.includes("accept") || lowerBody.includes("agree") ||
+    lowerBody.includes("approved")
+  ) {
+    intent = "acceptance";
+    sentiment = "positive";
+  } else if (
+    lowerBody.includes("reject") || lowerBody.includes("decline") ||
+    lowerBody.includes("denied")
+  ) {
+    intent = "rejection";
+    sentiment = "negative";
+  } else if (
+    lowerBody.includes("counter") || lowerBody.includes("instead") ||
+    lowerBody.includes("however")
+  ) {
+    intent = "counter_offer";
+    sentiment = "neutral";
+  } else if (
+    lowerBody.includes("information") || lowerBody.includes("clarify") ||
+    lowerBody.includes("details")
+  ) {
+    intent = "request_info";
+    sentiment = "neutral";
+  }
+
+  // Enhanced extraction using multiple regex patterns
+  const extractFinancialTerms = (text: string) => {
+    // Extract dollar amounts
+    const amountMatches = text.match(/\$(\d+(?:,\d{3})*(?:\.\d{2})?)/g);
+    const amounts =
+      amountMatches?.map((match) => parseFloat(match.replace(/[$,]/g, ""))) ||
+      [];
+
+    // Extract monthly payment patterns
+    const monthlyMatch = text.match(
+      /\$?(\d+(?:,\d{3})*(?:\.\d{2})?)\s*(?:per month|\/month|monthly)/i,
+    );
+    const monthlyAmount = monthlyMatch
+      ? parseFloat(monthlyMatch[1].replace(/,/g, ""))
+      : undefined;
+
+    // Extract number of payments/months
+    const paymentsMatch = text.match(
+      /(\d+)\s*(?:months?|payments?|installments?)/i,
+    );
+    const numberOfPayments = paymentsMatch
+      ? parseInt(paymentsMatch[1])
+      : undefined;
+
+    // Extract total amount patterns
+    const totalMatch = text.match(
+      /(?:total|totaling|total amount)\s*(?:of\s*)?\$?(\d+(?:,\d{3})*(?:\.\d{2})?)/i,
+    );
+    const totalAmount = totalMatch
+      ? parseFloat(totalMatch[1].replace(/,/g, ""))
+      : undefined;
+
+    // Determine payment frequency
+    let paymentFrequency = undefined;
+    if (text.match(/monthly|per month|\/month/i)) paymentFrequency = "monthly";
+    else if (text.match(/weekly|per week|\/week/i)) paymentFrequency = "weekly";
+    else if (text.match(/bi-weekly|biweekly|every two weeks/i)) {
+      paymentFrequency = "bi-weekly";
+    }
+
+    return {
+      proposedAmount: amounts.length > 0 ? amounts[0] : undefined,
+      monthlyAmount,
+      numberOfPayments,
+      totalAmount,
+      paymentFrequency,
+      allAmounts: amounts,
+    };
+  };
+
+  const terms = extractFinancialTerms(body);
+
+  console.log(
+    "Fallback Analysis - Extracted Terms:",
+    JSON.stringify(terms, null, 2),
+  );
+
+  const result = {
+    intent,
+    sentiment,
+    confidence: 0.6, // Lower confidence for fallback
+    extractedTerms: {
+      proposedAmount: terms.proposedAmount,
+      proposedPaymentPlan: terms.monthlyAmount ? "payment plan" : undefined,
+      paymentTerms: (terms.monthlyAmount || terms.numberOfPayments)
+        ? {
+          monthlyAmount: terms.monthlyAmount,
+          numberOfPayments: terms.numberOfPayments,
+          totalAmount: terms.totalAmount,
+          paymentFrequency: terms.paymentFrequency,
+        }
+        : undefined,
+      deadline: undefined,
+      conditions: [],
+    },
+    reasoning:
+      `Generated using enhanced keyword-based fallback analysis. Found ${terms.allAmounts.length} amounts.`,
+    suggestedNextAction: intent === "acceptance"
+      ? "mark_settled"
+      : intent === "rejection"
+      ? "escalate_to_user"
+      : intent === "counter_offer"
+      ? "send_counter"
+      : "escalate_to_user",
+    requiresUserReview: true, // Always require review for fallback
+  };
+
+  console.log("Fallback Analysis Result:", JSON.stringify(result, null, 2));
+  return result;
+}
+
+serve(async (req) => {
+  if (req.method === "OPTIONS") {
+    return new Response("ok", { headers: corsHeaders });
+  }
+
+  try {
+    const supabaseClient = createClient(
+      Deno.env.get("SUPABASE_URL") ?? "",
+      Deno.env.get("SUPABASE_ANON_KEY") ?? "",
+      {
+        global: {
+          headers: { Authorization: req.headers.get("Authorization")! },
+        },
+      },
+    );
+
+    const { debtId, fromEmail, subject, body, messageId }: EmailResponseData =
+      await req.json();
+
+    if (!debtId || !fromEmail || !body) {
+      return new Response(
+        JSON.stringify({
+          error: "Missing required fields: debtId, fromEmail, body",
+        }),
+        {
+          status: 400,
+          headers: { ...corsHeaders, "Content-Type": "application/json" },
+        },
+      );
+    }
+
+    // Get the debt record and original negotiation context
+    const { data: debt, error: debtError } = await supabaseClient
+      .from("debts")
+      .select("*")
+      .eq("id", debtId)
+      .single();
+
+    if (debtError || !debt) {
+      return new Response(
+        JSON.stringify({ error: "Debt record not found" }),
+        {
+          status: 404,
+          headers: { ...corsHeaders, "Content-Type": "application/json" },
+        },
+      );
+    }
+
+    // Analyze the response using AI
+    const analysis = await analyzeEmailResponse(
+      debtId,
+      fromEmail,
+      subject,
+      body,
+      debt.metadata?.aiEmail,
+    );
+
+    // Store the conversation message
+    const { error: messageError } = await supabaseClient
+      .from("conversation_messages")
+      .update({
+        debt_id: debtId,
+        message_type: analysis.intent === "acceptance"
+          ? "acceptance"
+          : analysis.intent === "rejection"
+          ? "rejection"
+          : analysis.intent === "counter_offer"
+          ? "counter_offer"
+          : "response_received",
+        direction: "inbound",
+        subject,
+        body,
+        from_email: fromEmail,
+        to_email: debt.metadata?.toEmail || debt.metadata?.fromEmail,
+        ai_analysis: analysis,
+      })
+      .eq("message_id", messageId);
+
+    if (messageError) {
+      console.error("Error storing conversation message:", messageError);
+    }
+
+    // Determine next status and actions based on analysis
+    let newStatus = debt.status;
+    let newNegotiationRound = debt.negotiation_round || 1;
+    let financialOutcome = null;
+    let shouldAutoRespond = false;
+    let nextAction = null;
+
+    switch (analysis.intent) {
+      case "acceptance":
+        newStatus = "accepted";
+        nextAction = "mark_settled";
+        // Calculate financial outcome when offer is accepted
+        financialOutcome = calculateFinancialOutcome(debt, analysis);
+        break;
+      case "rejection":
+        newStatus = "rejected";
+        nextAction = "escalate_to_user";
+        break;
+      case "counter_offer":
+        newStatus = "counter_negotiating";
+        newNegotiationRound += 1;
+        shouldAutoRespond = !analysis.requiresUserReview &&
+          analysis.confidence > 0.8;
+        nextAction = analysis.suggestedNextAction;
+        break;
+      case "request_info":
+        newStatus = "awaiting_response";
+        nextAction = "escalate_to_user";
+        break;
+      default:
+        newStatus = "awaiting_response";
+        nextAction = "escalate_to_user";
+    }
+
+    // Update debt record
+    const updateData: any = {
+      status: newStatus,
+      negotiation_round: newNegotiationRound,
+      conversation_count: (debt.conversation_count || 0) + 1,
+      last_message_at: new Date().toISOString(),
+      metadata: {
+        ...debt.metadata,
+        lastResponse: {
+          analysis,
+          receivedAt: new Date().toISOString(),
+          fromEmail,
+          subject,
+        },
+      },
+    };
+
+    // Add financial outcome if offer was accepted
+    if (analysis.intent === "acceptance" && financialOutcome) {
+      updateData.actual_savings = financialOutcome.actualSavings;
+      updateData.status = "settled"; // Set final status here instead of separate update
+      updateData.metadata.financialOutcome = {
+        ...financialOutcome,
+        calculatedAt: new Date().toISOString(),
+      };
+
+      // Keep backward compatibility with actualSavings field
+      updateData.metadata.actualSavings = {
+        amount: financialOutcome.actualSavings,
+        calculatedAt: new Date().toISOString(),
+        originalAmount: financialOutcome.originalAmount,
+        acceptedAmount: financialOutcome.acceptedAmount,
+        savingsPercentage: financialOutcome.originalAmount > 0
+          ? (financialOutcome.actualSavings / financialOutcome.originalAmount *
+            100).toFixed(2)
+          : 0,
+      };
+    }
+
+    const { error: updateError } = await supabaseClient
+      .from("debts")
+      .update(updateData)
+      .eq("id", debtId);
+
+    if (updateError) {
+      console.error("Error updating debt:", updateError);
+    }
+
+    // Log the action
+    const auditDetails: any = {
+      intent: analysis.intent,
+      sentiment: analysis.sentiment,
+      confidence: analysis.confidence,
+      fromEmail,
+      subject,
+      suggestedAction: analysis.suggestedNextAction,
+      requiresReview: analysis.requiresUserReview,
+    };
+
+    // Add financial outcome to audit log if offer was accepted
+    if (analysis.intent === "acceptance" && financialOutcome) {
+      auditDetails.financialOutcome = financialOutcome;
+      auditDetails.actualSavings = financialOutcome.actualSavings;
+      auditDetails.originalAmount = financialOutcome.originalAmount;
+      auditDetails.acceptedAmount = financialOutcome.acceptedAmount;
+      auditDetails.savingsPercentage = financialOutcome.originalAmount > 0
+        ? (financialOutcome.actualSavings / financialOutcome.originalAmount *
+          100).toFixed(2)
+        : 0;
+    }
+
+    await supabaseClient
+      .from("audit_logs")
+      .insert({
+        debt_id: debtId,
+        action: analysis.intent === "acceptance"
+          ? "offer_accepted"
+          : "response_analyzed",
+        details: {
+          ...auditDetails,
+          nextAction,
+          shouldAutoRespond,
+          negotiationRound: newNegotiationRound,
+          reasoning: analysis.reasoning,
+        },
+      });
+
+    // If this is an acceptance, mark as settled
+    if (analysis.intent === "acceptance") {
+      // await supabaseClient
+      //   .from("debts")
+      //   .update({ status: "settled" })
+      //   .eq("id", debtId);
+
+      await supabaseClient.from("audit_logs").insert({
+        debt_id: debtId,
+        action: "debt_settled",
+        details: {
+          finalAmount: financialOutcome?.acceptedAmount || debt.amount,
+          actualSavings: financialOutcome?.actualSavings || 0,
+          settlementTerms: analysis.extractedTerms,
+        },
+      });
+    }
+
+    // If auto-response is recommended and confidence is high, trigger negotiation
+    if (
+      shouldAutoRespond && analysis.confidence > 0.8 &&
+      analysis.intent === "counter_offer"
+    ) {
+      try {
+        const negotiateUrl = `${
+          Deno.env.get("SUPABASE_URL")
+        }/functions/v1/negotiate`;
+        const serviceKey = Deno.env.get("SUPABASE_SERVICE_ROLE_KEY");
+
+        if (negotiateUrl && serviceKey) {
+          await fetch(negotiateUrl, {
+            method: "POST",
+            headers: {
+              Authorization: `Bearer ${serviceKey}`,
+              "Content-Type": "application/json",
+            },
+            body: JSON.stringify({
+              record: {
+                ...debt,
+                status: newStatus,
+                conversation_count: (debt.conversation_count || 0) + 1,
+                negotiation_round: newNegotiationRound,
+              },
+              counterOfferContext: {
+                previousResponse: body,
+                extractedTerms: analysis.extractedTerms,
+                sentiment: analysis.sentiment,
+              },
+            }),
+          });
+
+          await supabaseClient.from("audit_logs").insert({
+            debt_id: debtId,
+            action: "auto_counter_triggered",
+            details: {
+              confidence: analysis.confidence,
+              extractedTerms: analysis.extractedTerms,
+            },
+          });
+        }
+      } catch (autoResponseError) {
+        console.error("Error triggering auto-response:", autoResponseError);
+      }
+    }
+
+    const responseData: any = {
+      success: true,
+      analysis,
+      newStatus,
+      negotiationRound: newNegotiationRound,
+    };
+
+    // Include financial outcome in response if offer was accepted
+    if (analysis.intent === "acceptance" && financialOutcome) {
+      responseData.financialOutcome = financialOutcome;
+      responseData.actualSavings = financialOutcome.actualSavings;
+      responseData.savingsCalculated = true;
+      responseData.originalAmount = financialOutcome.originalAmount;
+      responseData.acceptedAmount = financialOutcome.acceptedAmount;
+      responseData.savingsPercentage = financialOutcome.originalAmount > 0
+        ? (financialOutcome.actualSavings / financialOutcome.originalAmount *
+          100).toFixed(2)
+        : 0;
+    }
+
+    return new Response(
+      JSON.stringify(responseData),
+      { headers: { ...corsHeaders, "Content-Type": "application/json" } },
+    );
+  } catch (error) {
+    console.error("Error in analyze-response function:", error);
+    return new Response(
+      JSON.stringify({ error: "Internal server error" }),
+      {
+        status: 500,
+        headers: { ...corsHeaders, "Content-Type": "application/json" },
+      },
+    );
+  }
+});

supabase/functions/send-email/index.ts

@@ -31,11 +31,14 @@ interface DebtRecord {
   amount: number;
   raw_email: string;
   negotiated_plan?: string;
+  projected_savings?: number;
+  conversation_count?: number;
   metadata?: {
     aiEmail?: {
       subject: string;
       body: string;
       strategy: string;
+      confidence?: number;
     };
     toEmail?: string;
     fromEmail?: string;
@@ -243,11 +246,20 @@ Deno.serve(async (req) => {
         body,
       );
 
-      // Update debt status to sent - using authenticated client
+      // Update debt status to sent and preserve negotiating state
+      const { data: currentDebt } = await supabaseClient
+        .from("debts")
+        .select("conversation_count, negotiation_round")
+        .eq("id", debtId)
+        .single();
+
       const { error: updateError } = await supabaseClient
         .from("debts")
         .update({
           status: "sent",
+          conversation_count: (currentDebt?.conversation_count || 0) + 1,
+          last_message_at: new Date().toISOString(),
+          prospected_savings: debt.projected_savings || 0, // Store prospected savings when sent
           metadata: {
             ...debt.metadata,
             emailSent: {
@@ -257,6 +269,14 @@ Deno.serve(async (req) => {
               from: fromEmail,
               subject: subject,
             },
+            prospectedSavings: {
+              amount: debt.projected_savings || 0,
+              percentage: debt.amount > 0
+                ? ((debt.projected_savings || 0) / debt.amount * 100).toFixed(2)
+                : 0,
+              calculatedAt: new Date().toISOString(),
+              strategy: debt.metadata?.aiEmail?.strategy || "unknown",
+            },
           },
         })
         .eq("id", debtId);
@@ -265,20 +285,35 @@ Deno.serve(async (req) => {
         console.error("Error updating debt status:", updateError);
       }
 
-      // Log the action - using authenticated client
-      await supabaseClient
-        .from("audit_logs")
-        .insert({
-          debt_id: debtId,
-          action: "email_sent",
-          details: {
-            messageId: emailResult.MessageID,
-            to: toEmail,
-            from: fromEmail,
-            subject: subject,
-            strategy: debt.metadata.aiEmail.strategy,
-          },
-        });
+      // Record the sent email in conversation history
+      await supabaseClient.from("conversation_messages").insert({
+        debt_id: debtId,
+        message_type: "negotiation_sent",
+        direction: "outbound",
+        subject: subject,
+        body: body,
+        from_email: fromEmail,
+        to_email: toEmail,
+        message_id: emailResult.MessageID,
+        ai_analysis: {
+          strategy: debt.metadata.aiEmail.strategy,
+          confidence: debt.metadata.aiEmail.confidence,
+          projectedSavings: debt.projected_savings,
+        },
+      });
+
+      // Log the email sending
+      await supabaseClient.from("audit_logs").insert({
+        debt_id: debtId,
+        action: "email_sent",
+        details: {
+          to: toEmail,
+          subject: subject,
+          postmarkMessageId: emailResult.MessageID,
+          conversationRound: currentDebt?.negotiation_round || 1,
+          strategy: debt.metadata.aiEmail.strategy,
+        },
+      });
 
       return new Response(
         JSON.stringify({

supabase/functions/test-extraction/index.ts

@@ -0,0 +1,170 @@
+import { serve } from "https://deno.land/std@0.168.0/http/server.ts";
+import { generateObject } from "https://esm.sh/ai@3.4.7";
+import { createGoogleGenerativeAI } from "https://esm.sh/@ai-sdk/google@0.0.52";
+import { z } from "https://esm.sh/zod@3.22.4";
+
+const corsHeaders = {
+  "Access-Control-Allow-Origin": "*",
+  "Access-Control-Allow-Headers":
+    "authorization, x-client-info, apikey, content-type",
+};
+
+// Same schema as analyze-response
+const responseAnalysisSchema = z.object({
+  intent: z.enum([
+    "acceptance",
+    "rejection", 
+    "counter_offer",
+    "request_info",
+    "unclear",
+  ]).describe("The primary intent of the response"),
+  sentiment: z.enum(["positive", "negative", "neutral"])
+    .describe("Overall sentiment of the response"),
+  confidence: z.number().min(0).max(1)
+    .describe("Confidence in the intent classification"),
+  extractedTerms: z.object({
+    proposedAmount: z.number().optional().describe(
+      "Any amount mentioned in response",
+    ),
+    proposedPaymentPlan: z.string().optional().describe(
+      "Payment plan details if mentioned",
+    ),
+    paymentTerms: z.object({
+      monthlyAmount: z.number().optional().describe("Monthly payment amount"),
+      numberOfPayments: z.number().optional().describe(
+        "Number of payments/installments",
+      ),
+      totalAmount: z.number().optional().describe("Total amount to be paid"),
+      interestRate: z.number().optional().describe(
+        "Interest rate if applicable",
+      ),
+      paymentFrequency: z.string().optional().describe(
+        "Payment frequency (monthly, weekly, etc.)",
+      ),
+    }).optional().describe("Structured payment plan terms"),
+    deadline: z.string().optional().describe("Any deadline mentioned"),
+    conditions: z.array(z.string()).optional().describe(
+      "Any conditions or requirements mentioned",
+    ),
+  }).describe("Key terms extracted from the response"),
+  reasoning: z.string().describe("Explanation of the analysis"),
+  suggestedNextAction: z.enum([
+    "accept_offer",
+    "send_counter",
+    "request_clarification",
+    "escalate_to_user",
+    "mark_settled",
+  ]).describe("Recommended next action"),
+  requiresUserReview: z.boolean().describe(
+    "Whether this response needs human review",
+  ),
+});
+
+serve(async (req) => {
+  if (req.method === "OPTIONS") {
+    return new Response("ok", { headers: corsHeaders });
+  }
+
+  try {
+    const { testEmail } = await req.json();
+
+    if (!testEmail) {
+      return new Response(
+        JSON.stringify({ error: "testEmail is required" }),
+        {
+          status: 400,
+          headers: { ...corsHeaders, "Content-Type": "application/json" },
+        }
+      );
+    }
+
+    const googleApiKey = Deno.env.get("GOOGLE_GENERATIVE_AI_API_KEY");
+    
+    if (!googleApiKey) {
+      return new Response(
+        JSON.stringify({ error: "Google API key not configured" }),
+        {
+          status: 500,
+          headers: { ...corsHeaders, "Content-Type": "application/json" },
+        }
+      );
+    }
+
+    console.log("Testing extraction with email:", testEmail);
+
+    const result = await generateObject({
+      model: createGoogleGenerativeAI({
+        apiKey: googleApiKey,
+      })("gemini-2.5-flash-preview-04-17"),
+      system: `You are an expert financial analyst specializing in debt collection and negotiation responses. 
+      Your job is to carefully analyze creditor responses and extract ALL financial terms mentioned.
+
+      CRITICAL: Always extract financial information when present. Look for:
+
+      AMOUNTS:
+      - Any dollar amounts mentioned ($1,000, $500, etc.)
+      - Settlement offers or counter-offers
+      - Monthly payment amounts
+      - Total payment amounts
+
+      PAYMENT PLANS:
+      - Monthly payment amounts (e.g., "$200 per month", "$150/month")
+      - Number of payments/installments (e.g., "12 months", "24 payments")
+      - Payment frequency (monthly, weekly, bi-weekly)
+      - Total amounts for payment plans
+      - Interest rates if mentioned
+
+      EXTRACT EVERYTHING: Even if amounts seem obvious, always include them in extractedTerms.`,
+      prompt: `Analyze this test email and extract ALL financial terms:
+
+      EMAIL: ${testEmail}
+
+      EXTRACTION REQUIREMENTS:
+      1. Find ANY dollar amounts mentioned in the email
+      2. Look for payment plan details (monthly amounts, number of payments)
+      3. Identify payment frequency (monthly, weekly, etc.)
+      4. Extract total amounts if mentioned
+      5. Note any interest rates or fees
+      6. Capture all conditions and requirements
+
+      EXAMPLES OF WHAT TO EXTRACT:
+      - "We can accept $250 per month" → monthlyAmount: 250
+      - "for 18 months" → numberOfPayments: 18
+      - "totaling $4,500" → totalAmount: 4500
+      - "settlement of $3,200" → proposedAmount: 3200
+      - "monthly payments" → paymentFrequency: "monthly"
+
+      Be thorough and extract ALL financial information present in the email.`,
+      schema: responseAnalysisSchema,
+    });
+
+    console.log("AI Analysis Result:", JSON.stringify(result.object, null, 2));
+
+    return new Response(
+      JSON.stringify({
+        success: true,
+        analysis: result.object,
+        extractedTerms: result.object.extractedTerms,
+        debug: {
+          emailLength: testEmail.length,
+          hasGoogleAPI: !!googleApiKey,
+          timestamp: new Date().toISOString()
+        }
+      }),
+      { headers: { ...corsHeaders, "Content-Type": "application/json" } }
+    );
+
+  } catch (error) {
+    console.error("Error in test-extraction function:", error);
+    return new Response(
+      JSON.stringify({ 
+        error: "Internal server error",
+        details: error.message 
+      }),
+      {
+        status: 500,
+        headers: { ...corsHeaders, "Content-Type": "application/json" },
+      }
+    );
+  }
+});