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If you shop online, chances are you've seen one of those "live chat" boxes appear when visiting your favourite store.

These handy customer service tools let online businesses emulate some of that individualized attention we get at brick-and-mortar stores.

Unfortunately, they're also the latest tactic for scammers phishing for your personal data when you bank online.

You're knowledgeable about phishing scams, so you went directly to the website and are assured that what you're using is secure. You will be contacted by a representative of bank to confirm your personality.Please pass the process of additional verification otherwise your account will be locked." The grammar leaves a lot to be desired -- but crooks are counting on you to be a little panicked and not paying close attention.You might see an additional message asking you to wait for a representative who will be with you shortly.You can't access your accounts, and your anxiety is increasing.A helpful "bank employee" will then appear and walk you through the verification process to unlock your account.

You may be asked for your personal information such as your account number, password or user ID -- the information scammers need to hack into your account or make a purchase elsewhere. The culprit is some malicious code sitting on your computer -- a reiteration of the Shylock malware that keeps security experts on their toes.(The malware gets its curious name from "The Merchant of Venice" -- creative hackers are known to insert lines from the play into their code.) You think you're talking to a bank representative, but instead you're responding to an automated script that asks the right questions at the right time.Online chat scams aren't new, but the worst they used to do was send users to a phishing website.Now the phishing scheme comes directly to you via your internet browser.Crooks don't need to worry about their fraudulent sites being shut down.The scam has been around for a few months now -- it was first identified by security service Trusteer back in February.