Act as a seasoned eCommerce marketing strategist with 5+ years of experience in AI-driven personalization. Your task is to design a smart coupon system that leverages AI to maximize conversions, retention, and average order value (AOV). Consider the following inputs: [CUSTOMER_SEGMENT], [PURCHASE_HISTORY], and [REAL_TIME_BEHAVIOR]. The AI should dynamically generate coupons based on factors like cart abandonment likelihood, predicted customer lifetime value (CLV), and competitive pricing trends. Include logic for [DISCOUNT_TYPE] (e.g., percentage, BOGO, free shipping), [EXPIRATION_STRATEGY] (e.g., urgency-based, seasonal), and [PERSONALIZATION_LEVEL] (e.g., name inclusion, product recommendations). Provide a step-by-step workflow from data collection to coupon delivery, ensuring scalability for [BUSINESS_SIZE] (SMB, enterprise).