順手牽羊的商品
It is not only private individuals who face the risk of fraud, companies and businesses can also experience something called “return fraud.”
不只是個人會面臨詐騙的風險，公司與業者也會遭受「退貨詐騙」。
Return fraud is the act of defrauding a retail store through the return process.
退貨詐騙是指透過退貨程序詐騙商家的行為，
defraud(v.)詐騙
It happens when a person purchases an item from a retail store with the intent to return it immediately or use duplicate receipts to get money back.
常發生在某人向商家購貨後，意圖即刻退貨，或仿造收據取得退款的時候。
with the intent to do sth. 有著做某事的意圖duplicate(adj.)(v.)一模一樣的、複製（的）、拷貝；(n.)副本、複製品
This type of crime is committed in various ways.
這類犯罪手法五花八門。
commit a crime 犯罪
The offender may return stolen merchandise to secure cash, steal receipts to set up a falsified return, or use somebody else’s receipt to try to return an item that was just picked off the shelf.
罪犯可能會退回他們偷來的商品藉此變現、竊取收據充作退貨，或者利用其他人的收據，試圖將順手牽羊的商品拿去辦理退貨。
offend(v.)犯罪、違法、得罪、冒犯offense(n.)罪行falsify(v.)篡改、偽造forge(v.)偽造、假冒counterfeit(adj.)假冒的、仿造的
For online purchases, a cardholder may defraud a merchant by using their bank’s chargeback process to reverse a legitimate transaction.
至於網購，持卡人可能會透過銀行的退款機制撤銷合法交易，以此詐騙商家。
reverse(v.)推翻、倒轉legitimate(adj.)合法的、正當的=legit
In this case, the cardholder makes a purchase with their credit card and then disputes the purchase through their issuing bank.
在這種情況下，持卡人會在刷卡消費後，針對購貨向核發信用卡的銀行提出異議。
dispute(v.)(n.)糾紛、爭端、爭議、爭執settle or resolve a dispute 解決糾紛或爭端
Depending on the bank, customer service representatives may not ask the cardholder for evidence, and may simply go straight to the merchant and request that they reverse the charge.
端視銀行而定，客服單位可能不會向持卡人索取證據，並可能直接要求商家進行退款。
evidence(n.)證據
Many merchants do not attempt to fight chargebacks, so this tactic is often successful.
由於許多商家並不會違抗退款機制，因此這種手法通常都會成功。
attempt to do sth. 試圖做某事