Core Viewpoint - The article discusses the misuse of AI-generated images in the e-commerce sector, particularly in the context of "only refund" requests, highlighting the challenges faced by merchants due to the increasing sophistication of these fraudulent practices [3][6]. Group 1: AI Image Fraud in E-commerce - AI-generated fake images have become prevalent, particularly in the categories of clothing, food, and daily necessities, leading to a surge in "only refund" requests [7][8]. - Merchants report that the realism of AI-generated images complicates the refund verification process, making it difficult to distinguish between genuine and fraudulent claims [28][29]. - The phenomenon has sparked polarized discussions among consumers, with some mocking the intelligence of those attempting to exploit the system, while others express concern over the erosion of trust in e-commerce [29][30]. Group 2: Experimentation with AI Refund Claims - The article details an experiment conducted by the author to test the effectiveness of AI in generating images for refund claims, revealing that the technology is already well-integrated into the refund process across major platforms [31][32]. - The experiment involved selecting products that are easy to manipulate visually, such as transparent items and perishable goods, to exploit the weaknesses in platform verification systems [32][33]. - The results showed that refund requests were processed quickly and without thorough scrutiny, indicating significant loopholes in the current e-commerce refund policies [41][51]. Group 3: Governance and Solutions - The article suggests that addressing the issue of AI-generated refund fraud requires a multi-faceted approach involving legal, technological, and regulatory measures [57][58]. - Legal frameworks exist to penalize fraudulent refund claims, with potential civil and criminal liabilities for consumers who exploit these systems [59][61]. - Recommendations for platforms include establishing consumer trust rating systems, enhancing image verification technologies, and improving refund request auditing processes to mitigate fraudulent activities [64][66].