To https or not to https
Got an interesting dilemma I want to share you. I was on the phone the other day squaring away a bill with my home owners insurance company, Preferred Mutual. I paid a bill over the phone and asked if I get enrolled in automatic deductions from my checking account, this way I wouldn’t need to worry about it, something I like to do with most of my bills. Anyway, the representative told me that I can enroll in automatic deductions online and proceeded to help me navigate to the following page:
http://www.pminsco.com/Billing/AEFT.aspx
Here is the screenshoot of the page, you can click on the image to get a bigger picture.
I was about to start filling out the form with sensitive information including banking routing information when I stopped dead in my tracks. Notice the URL above is not https but rather http which tells me that the connection between my browser and the web server at Preferred mutual is not encrypted. Meaning that my data including banking routing information is sent over the Internet for anyone to read straight out; not good my friends. If I was reading the news on CNN or looking up movie times online, the connection is typically not encrypted, which is totally fine and expected. However, if at anytime I am submitting sensitive data, logged on to my bank, or even reading mail at Gmail, then it is absolutely imperative that the connection is over a secured and encrypted line. SSL (https) establishes an end to end encryption between my browser and the server I’m connecting to. As someone who has done some programming on the web, I know that the form page can, in fact, be a non SSL URL and then when the form is actually submitted (user clicks on submit button), the page with the sensitive data is sent to the server over SSL. The problem with that way of handling it is that the user (myself) does not know for sure that the submitted data will be encrypted on SSL. The only way to check would be to actually look at the HTML source code and see where this form goes from this point. Here is a snippet of HTML code:
<form name=”aspnetForm” method=”post” action=”AEFT.aspx” id=”aspnetForm”>
This shows that the form is submitted to a page resource named “AEFT.aspx” which happens to be the server side code that actually generated the page with the form. In essence, this server side code is multifunctional and can show the form you see above in one context and process the form in another context when the user submits the form. In any case, no matter which context, this page in unencrypted and that is precisely why I’m not going to use it. Some might argue, “Come on – don’t be so paranoid; what are the chances of someone intercepting your data?”. True, it is a long shot but not a chance I’m willing to take. Keep in mind that if you were using an unprotected WIFI or internet offered at a hotel, this data would be sent over the air in the clear; easy to intercept and even more of a reason to refrain from entering your private data on a page like this. However, in my case at home where I would send it over an encrypted WIFI connection I’m playing it safer and plan on asking Preferred Mutual if I can give them the information over the phone.
What do you think? Is this something you’d be OK with? Would love some comments on this post.






















