“仅退款”又遭“薅羊毛”！买家用AI假图申请退款，商家：几乎每天都有疑似案例，很难识别，就算识别出痕迹也很难举证

Core Viewpoint - A new trend of fraudulent refund claims using AI-generated images is emerging in the e-commerce sector, exploiting the "refund only" policy, which poses challenges for merchants in identifying and managing these claims [1][2][4]. Group 1: AI-Generated Image Fraud - Merchants report that some buyers are using AI tools to create fake images to support refund requests, making it difficult for sellers to verify the authenticity of claims [1][2]. - The identification of AI-generated images relies heavily on manual inspection, and even when anomalies are detected, proving the buyer's dishonesty is challenging [1][4]. - The frequency of such fraudulent claims is not high, but they still occur regularly, leading to increased operational difficulties for merchants [2][4]. Group 2: Challenges in Refund Processing - Merchants often resort to negotiating with customers rather than outright rejecting refund requests, as the cost of returning items can be prohibitive [4][5]. - The "refund only" policy has led to a rise in contentious refund requests, prompting platforms to allow merchants to negotiate directly with customers [5][6]. - Merchants have developed verification rules to combat fraudulent claims, such as requiring buyers to provide specific evidence when claiming refunds [4][6]. Group 3: Legal and Ethical Implications - The use of AI-generated images to falsely claim product defects may violate legal principles of honesty and could be classified as civil fraud [8][9]. - Legal experts suggest that sellers have the right to challenge fraudulent refund claims in court, especially if the fraudulent behavior is significant [8][9]. - E-commerce platforms are encouraged to enhance their rules and verification processes to better protect sellers from fraudulent claims [9][10]. Group 4: Industry Response and Future Directions - E-commerce platforms have begun implementing measures to combat AI-generated image fraud, including real-time detection of altered images [9][10]. - The introduction of regulations requiring AI-generated content to include watermarks is expected to help in identifying fraudulent images [12][13]. - Collaboration among e-commerce platforms, AI technology companies, and legal entities is essential to create a healthier ecosystem and mitigate the risks associated with AI misuse [10][18].