年末正值消费高峰，商家促销力度和形式更加多样。省消协提醒消费者，在购物时结合自身需求， 优先选择资质齐全、口碑良好的商超及电商平台，面对优惠打折活动，要认真了解规则详情，谨防优惠 陷阱。 注意保留消费凭据和合同。当发现商家有损害消费者合法权益行为时，及时拨打12345、12315热线 或者在"全国消协智慧315"小程序进行投诉，维护自身权益。 适度合理充值，谨防预付诱惑。消费者要注意辨别商家销售人员宣传满减、赠送折扣券等促销活 动，仔细确认优惠卡券的使用范围和期限等附加限制条件；谨慎办理一次性充值金额过高、时间跨度过 长的预付服务，充值前需要了解商家的经营状况、口碑信誉等信息，可在体验认可服务后再预付缴费， 并与商家签订书面合同，明确商品或服务的使用期限、违约后果等内容。 积分清零时间需关注。每到年底，不少商家推出的积分清零活动总会引发一阵兑换热潮，许多消费 者容易忽略自己积累的积分，提醒消费者提前查看积分余额并及时兑换，注意有效期（部分按获取月份 计算）。 ...

Group 1 - The travel photography industry is facing significant risks due to a prevalent prepayment model, where consumers pay upfront for services that may not be delivered, leading to financial losses for over 200 consumers in a recent case [1][2] - The prepayment model is attractive to consumers due to discounts and package deals, but it exposes them to the risk of businesses disappearing or failing to deliver services after receiving payment [1][2] - The industry has low entry barriers, allowing businesses to operate without stringent qualifications, which increases the likelihood of fraudulent activities [2] Group 2 - To address these issues, a comprehensive protection mechanism is needed, including pre-warning systems, regulatory oversight, and post-transaction rights protection [3][4] - Utilizing enterprise credit data tools, such as Qichacha, can help consumers assess the credibility of travel photography businesses before making payments, potentially preventing financial losses [3] - Regulatory bodies can leverage real-time data from credit platforms to establish risk warning models, enabling early intervention when businesses show signs of distress [3] Group 3 - Implementing mandatory fund escrow arrangements can protect consumer prepayments by ensuring that funds are only released to businesses as services are rendered [4] - Standardized contract templates should be developed to clarify service details, breach penalties, and refund policies, reducing the risk of consumer exploitation [4] - A combination of credit regulation and technological support is essential to create a safer environment for consumers in the travel photography sector, transforming it into a more reliable and trustworthy industry [4]