Core Viewpoint - The rise of AI technology has led to an increase in fraudulent refund claims in the e-commerce sector, with some consumers exploiting the "refund without return" policy to gain products without payment [1][2][3]. Group 1: E-commerce Refund Mechanism - The "refund without return" policy was initially designed to protect consumers in specific scenarios, but it has been misused by some buyers, leading to significant losses for merchants [2][3]. - Major e-commerce platforms have recently adjusted their "refund without return" policies, allowing merchants to handle refund requests autonomously [2][5]. - A report indicated that 50.36% of complaints from merchants on e-commerce platforms were related to "refund without return" issues, highlighting the prevalence of this problem [2]. Group 2: AI Technology and Fraud - Some consumers are using AI tools to create fake images of products to claim refunds, which has resulted in losses of 5% to 8% of revenue for affected merchants [1][2]. - Experts suggest that the misuse of AI for fraudulent activities could hinder public acceptance of new technologies and disrupt market rules [3][5]. - Recommendations include implementing AI image recognition technology and a tiered evidence submission system for refund claims to mitigate fraud [3][5]. Group 3: Legal Implications - The use of AI-generated fake content for refund claims can lead to legal consequences, including potential fraud charges if the amount involved is significant [4][5]. - The Civil Code allows merchants to demand returns or compensation for breaches of the "refund without return" agreement [4]. - New regulations regarding the identification of AI-generated content are set to take effect in September 2025, aiming to curb misuse [4][5]. Group 4: Recommendations for Improvement - A multi-faceted approach involving rule enhancement, technological countermeasures, and legal deterrents is necessary to address the issues surrounding "refund without return" fraud [5]. - E-commerce platforms are urged to establish a rapid response mechanism for AI fraud cases and to collaborate on data sharing to combat fraudulent activities effectively [5].

Core Viewpoint - The article discusses the increasing prevalence of AI-generated images and their implications for e-commerce, particularly in the context of refund fraud, raising concerns about the balance between technology and regulations [3][4][6]. Group 1: AI and E-commerce - Some consumers are exploiting AI-generated images to falsely claim product defects and obtain refunds, leading to significant challenges for e-commerce platforms and sellers [4][10]. - The ease of creating realistic AI images has lowered the barrier for fraudulent activities, transforming the refund process into a potential avenue for scams [17][19]. - Instances of refund fraud using AI-generated evidence have been reported, with sellers sharing their experiences of encountering manipulated images and videos [10][12]. Group 2: Technology and Regulation - The article highlights the blurred lines between technology and regulations as AI-generated content becomes more sophisticated, prompting discussions on how to establish effective guidelines [6][19]. - The emergence of AI tools has simplified the process of creating deceptive content, raising concerns about the potential for widespread abuse in online marketplaces [17][19]. - There is a call for comprehensive industry standards to regulate AI technology and prevent its misuse, ensuring that it serves humanity positively [43]. Group 3: Challenges in Identifying AI Content - The article emphasizes the difficulty in distinguishing AI-generated images from real ones, even for experienced individuals, due to the advanced capabilities of AI [31][36]. - Suggested methods for identifying AI-generated content include tracing the image source and observing subtle imperfections in the images [38][39]. - The need for vigilance and improved detection methods is crucial as AI technology continues to evolve and integrate into various sectors [37][41].