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Showing posts with label Signup. Show all posts
Showing posts with label Signup. Show all posts

UX Meets Security: Better Password Masking For Sign-Up Forms

Editor’s Note: This article expresses the author’s personal opinion and covers experimental UX techniques which aren’t considered to be best practice. Do you agree or disagree with the techniques? Can you propose better solutions? Let us know in the comments to this article!

Masking passwords is an old practice that’s commonly implemented in sign-up and log-in forms. It’s used to prevent over-the-shoulder snoopers from catching the user’s password. While masking passwords is a good security practice, there’s a chance it could jeopardize the user experience of your sign-up form. When users sign up on a website, they expect a no-hassle, worry-free form to fill out. But masking the password could prevent that.

Log-in forms are used more often than sign-up forms. Users only need to sign up once to create an account, whereas they will need to log in multiple times to access their account. Because log-in forms are used so frequently, there’s a strong chance that users will end up typing their password in front of other people. Users sometimes want to show their friends or colleagues something on the website, and they would need to log in to do so. Therefore, masking passwords in log-in forms is good because it keeps passwords hidden every time the user logs in.

However, masking passwords in sign-up forms is different. Password masking generally causes users to make more typing errors because they can’t see what they’re typing and can’t tell whether they’ve made a mistake. The consequences of making a typing error when logging in are not as serious as making one when signing up. If the user fails to type in the right password when logging in, they simply try again. If they type in the wrong password when signing up, they’ll get locked out of their account when they try to log in and will have to reset their password. The user isn’t to blame when this happens. It’s the designer’s fault for not making it easy for the user to see what they’re typing in the password field.

A big hurdle that password masking creates for users is the password-confirmation field commonly found in sign-up forms. This field requires users to retype their password and checks that both match so that the wrong password doesn’t go through. The reason why password-confirmation fields exist is that users sometimes make typos when typing their password with masking on, and this extra field can catch those typos.

Password Confirmation Field

Password-confirmation fields might be well intentioned, but they have a downside. Users are prone to making even more typos because they have to type their password twice in separate fields with masking on. What’s worse is the extra work they have to do to correct their typos; because they can’t see where their typos are, users have to clear the fields entirely and retype their password. The password-confirmation field not only causes more typos, but forces users to do more work to fix them, thus slowing users down and making sign-ups more of a pain.

Masking passwords in sign-up forms might give users more trouble than it’s worth. It masks not only the password, but any typos the user makes, making them hard to spot and fix. The security it provides is often less than helpful because many people usually sign up for websites in private, with no one looking over their shoulder. Signing up is usually a one-time deal; once they’ve done it, they don’t need to do it again. Displaying their password in plain text that one time when they are alone is probably not as a significant security risk as we tend to think. The chance of a snooper catching the password is slim to none, even if the user is signing up in public.

Typing Masked Passwords

The solution to all of these issues is to temporarily unmask the password so that the user can fill in the field quickly and accurately — i.e. unmasking the password for a moment so that the user can see what they’ve typed. Temporary unmasking decreases typos and makes it easy for users to catch and fix any typos they make. And the user doesn’t have to worry about snoopers stealing their password because the unmasking is quick, e.g. if we unmask a couple of last characters typed in. Snoopers would have to memorize a string of (hopefully) random alphanumeric characters in a matter of seconds, which is very hard to do. If we unmask only last characters, they would need to look over the shoulders for a longer period of time to be able to “catch” the whole pass phrase.

I strongly believe that a lot of the snooping paranoia is in our minds — the bigger issue is users getting locked out of their account because of typos caused by masked passwords. Below are a couple of simple techniques to prevent that from happening.

You can make the password field easy to fill in and secure at the same time by unmasking the password when the keyboard focus is on the field and then automatically masking it when the focus is off the field. This allows the user to see the characters they’re typing only when the password field is selected, thus decreasing the risk of typos and preventing others from sneaking a peek when the user has moved on to other fields.

Masking- Field Focus

Another small security measure you could add is to display the user’s password in small, light-gray italicized text. Thus, being able to make out each character would require moving close to the screen. In the unlikely event that a snooper is looking on, the modified text would make the password indiscernible to everyone except the person sitting right in front of the screen.

Another option would be to display only the last characters of the password while hiding other characters with asterisks, thus confirming the user’s input as the password is typed in.

Another approach is to provide a checkbox for unmasking. Thus, when the user types their password, it is masked, but when they check the box, it gets unmasked, allowing them to see whether they’ve made a typo. A little more effort is required with this approach with the checking and unchecking, but it’s far better than a password-confirmation field because it enables users to see and fix their typos with ease.

Masking Checkbox

Following design conventions is generally advisable, but when a convention slows users down, complicates a task or increases the chance of error, it needs serious reconsideration. Security should be balanced with the user experience. Favor security too much over the experience and you’ll make the website a pain to use. Favor the experience too much over security and you’ll make visitors nervous about using the website. When you find that balance, users won’t have any trouble using your website, even if it doesn’t adhere to every design convention.

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5 Best Sign-up Bonuses for Airline Miles Credit Cards

They say that if an offer seems too good to be true, then it probably is. Therefore, one could be forgiven for dismissing some generous credit card sign-up bonuses on that basis, as many do. Nevertheless, travel credit cards really do offer some amazing bonuses that allow my family and I to travel extensively. When handled responsibly, these offers are legitimate ways to earn points and miles while giving banks the chance to compete for your business. (See also: 40 Most Useful Travel Websites That Can Save You a Fortune)

At first, finding a great credit card sign-up bonus may seem like luck, but there is actually a good deal of skill involved. The first order of the day is research. Many of the offers below do not apply to everyone who fills out an application, and you have to spend some time looking for the best deal and applying online from the link that is promoting it. Once you have learned what the most competitive offers are, the next strategy is patience. Banks love to promote their best deals over and over again as limited time offers, so if the right deal isn’t currently on the market, just wait a month or two and check again. The final key is to strike while the deal is hot; any of the offers below can disappear tomorrow. While many of them will come back, there is no guarantee. If you think that you are seeing a great deal now, don’t tell yourself that it will probably be available next month when you get around to filling out an application.

In my research, these are the best bonuses available at the moment.

1. Southwest Airlines Rapid Rewards Plus

Chase is offering 25,000 points in Southwest’s Rapid Rewards program, worth more than $400 towards any ticket in their “Wanna Get Away” fare class. Unlike other frequent flier programs, you don’t have to worry about award seat availability, as points work essentially as credits towards the cost of any ticket that is sold. Furthermore, there is an opportunity here to get both the consumer and business cards in order to earn 50,000 points. This gets you closer to receiving their companion pass, which requires 110,000 points in a calendar year. The trick here is not to activate your cards until after the new year, so that you can accumulate all your points in 2012. Doing so will qualify you for a free companion ticket on on all of your trips throughout 2012 and 2013, even on award flights. There is a $99 annual fee for this card, but it is worth it as it comes with an annual bonus worth $99 in flights.

Click here to apply now

2. Chase Sapphire Preferred

Chase has become one of the largest issuers of credit cards, and they are trying hard to develop a proprietary rewards program to rival American Express’s Membership Rewards. This card is currently being offered with a sign-up bonus of 50,000 points in their Ultimate Rewards program. Those points can be redeemed for miles with United, British Airways, and other airline and hotel partners. Alternatively, you can use their sign up bonus to book $625 worth of travel through Chase’s travel agent. To receive this bonus, cardholders must spend $3,000 within the first three months of opening their account. There is a $95 annual fee for using this card, but it is waived the first year and there are no foreign transaction fees with this card.

Click here to apply now

3. American Express Business Gold Rewards

Travel experts find exceptional value in American Express’s Membership Rewards program. There are many cards that earn Membership Rewards points, but the Business Gold Rewards card is now offering 50,000 points to new members who spend $10,000 within five months. While there are many cash back, gift card, and merchandise options, the real value comes when you transfer those points to miles with over 15 different airlines. There is a $175 annual fee, but it is waived the first year.

Click here to apply now

4. American Airlines AAdvantage Platinum Select Visa

This card is now being offered with a 30,000 mile sign-up bonus after spending a reasonable $750 within the first four months of opening an account. Cardholders will also receive two free Admiral’s Club lounge passes immediately upon sign up. The best part about having miles with American Airlines is that they are very easy to use at the lowest award levels. I have had few problems redeeming two or even award three seats with them, at the lowest level, on the same flights. There is an $85 annual fee that is waived the first year.

Click here to apply now

5. British Airways Visa From Chase

This is the wild card in the bunch. Their current 50,000 mile sign-up bonus is competitive, but they had previously offered an incredible 100,000 mile bonus on two separate occasions. Nevertheless, those who can spend $30,000 with this card in a calendar year will earn a companion award certificate that essentially doubles the value of their miles. Another great feature is that cardholders will earn 1.25 miles per dollar spent, significantly more than most airline affiliated credit cards. This deal is further complicated by two other conditions. First, British Airways engages in the disreputable practice of imposing hefty “fuel surcharges” on flights they operate. Secondly, they are currently in the process re-branding their frequent flier program as Avios. Marketing aside, it is unclear what their award redemption chart will be when this process is concluded. There is a $95 annual fee for this card. While that fee is not waived the first year, at least this card doesn’t have any foreign transaction fees.

Click here to apply now

Responsible consumers are right to question whether or not they can truly fly for free by taking advantage of sign-up bonuses offered by travel credit cards. The truth is that the travel is never free. Customers will still be responsible for taxes and possibly annual fees and fuel surcharges. These costs are relatively minor costs compared to the expense of purchasing international tickets in Business and First Class. My experiences and those of others prove without a doubt that you really can enjoy a world of highly discounted award travel merely by earning credit card sign-up bonuses while giving the banks and the airlines an opportunity to earn your business.

To the Credit Card Guide

Note: Some links contain affiliate codes.

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