Aetna, phishing and security

We’ve just gotten home from M3AAWG and I’m catching up with a lot of the administrative stuff that’s gotten ignored while we were soaking up the tons of information from some of the smartest Internet security folks around. One of the tasks I’m working on is checking on our recent bills from our health insurance provider. Their website seems to be down, so I called them up and asked them if it was down or if something was broken on my end.
They did confirm there was a problem with the site “earlier today” but then started asking me for my account information. They’ve promised to email me a new password because of reasons.
One of the things about M3AAWG is that concentrated discussions about spam and online criminals and security can make everything feel so fragile and security so inadequate to protect us against criminals. I start thinking that everything is compromised. It doesn’t help that websites fail just at the time when I start trying to figure out if my personal information leaked out.
In the course of trying to figure out if there is something wrong at Aetna and if my personal information is safe, I find an article about how poor security is for health companies. “Health companies flunked an email security survey—except Aetna.” Apparently, out of all the health companies out there, Aetna are the only ones fully implementing DMARC on all their mail streams.
The problem is that for the mail I received from Aetna, the visible From: address is AetnaeBilling@aetnagroupbilling.com. This is one of the major vulnerabilities of DMARC. How can I, as a recipient, tell that this is officially mail from Aetna? Any phisher could register “aetnabilling.com” or “aetnagoupbilling.com” or “aetnaebilling.com” and publish DMARC records and use those records to phish customers. Even worse, aetnagroupbilling.com isn’t a SSL registered website.
This is exactly the type of setup a phisher would use to gain access to people’s health insurance accounts. And Aetna offers the ability to draft payments directly from a business checking account, so breaking into the billing account also offers some level of access to the business money.
Do I think this is a phish? No.
Do I think the average person would be able to tell that? No.
There’s got to be a better way to secure folks online.

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Disposable addresses

Both Steve and I have blogged about how we use tagged addresses to monitor and manage our incoming mail. This is not something unique to our system, but rather a feature that’s existed in many mail systems for a long time. Many unix systems support tagged addresses out of the box, but there are also commercial MTAs and even some webmail services that support tags.
Gmail offers “+ addressing” where users can use unique tags after their username. This gives every gmail use an unlimited number of addresses to use. Any address gets leaked or compromised, and you can set filters to ignore future mail to that particular tagged address.
Yahoo offers up to 500 unique addresses per account. Initially this was a service provided by OtherInbox, now owned by Return Path, but it’s not clear if that’s still the case.
Spamgourmet has been offering disposable addresses since 2000. Their system has a built in limit on the number of emails a particular email will receive, which can help control the incoming volume.
Spamex is another provider of disposable addresses that’s been around for years and is providing services that allow recipients to control their incoming mail.
New on the scene is MeAndMyID.com who popped up in the comments here today. They are offering disposable addresses, free for a lifetime, if you sign up soon.
There are also the “short term” or “open inbox” disposable addresses like Malinator or 10 Minute Mail
I find disposable addresses invaluable for sorting through the mail coming into my account. A bank email to an address I didn’t give the bank? It’s a phish. A pizza hut email to an untagged address? Not real. Target emails to an address only given to Amazon? Amazon is selling or giving addresses away in violation of their privacy policy. Unexpected email from a vendor, but to a tagged address? Time to unsubscribe as I’ve lived this long without their mail.

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A couple links to relevant things that are happening in email.
M3AAWG released the Help! I’m on a Blocklist! (PDF link) doc this week. This is the result of 4 years worth of work by a whole lot of people at M3AAWG. I was a part of the working group (“doc champion” in M3AAWG parlance) and want to thank everyone who was involved and contributed to the process. I am very excited this was approved and published so people can take advantage of the collective wisdom of M3AAWG participants.
In other announcements, Gmail announced today on their Google+ page that that they were putting a new “unsubscribe” link next to the sender name when mail is delivered to the Promotions, Social or Forums tab. This appears to be the official announcement of the functionality they announced at the SF M3AAWG last February. It likely means that all users are currently getting the “unsubscribe” link. What Gmail doesn’t mention in that blog post is that this functionality uses the “List-Unsubscribe” header, not the link in the email, but I don’t think anyone except bulk mailers really care about how it’s being done, just that it is.
Also today Gmail announced they were going to recognize usernames with non-Latin or accented characters in the name. Eventually, they claim, they’ll also allow people to get Gmail addresses with accented characters.

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