SAML and encryption

I have been reading about SAML.  I have one question

From what I understand, the identity provider is contacted by the web service to verify the username and pw.  Does this mean that the user sends the username and pw to the web service.  Does this actually go through the wire?  Would this data be encrypted ?

Anthony LuciaAsked:
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Mayank SAssociate Director - Product EngineeringCommented:
I have done a SAML implementation with WSO2 as the Identity provider/ server. In that, our application sends a SAML request to WSO2 in an encoded manner using URL redirect on the browser - so its like a POST request going from your application to WSO2 on the browser, and then WSO2 throws up its login page. You enter the credentials on WSO2's login page only; it verifies the details and then redirects back to your application with an encoded SAML response via POST on the browser itself. Once your application receives the SAML response, you can decode it to receive the user ID of the logged in user and do your Java stuff (put the user in the HttpSession, etc).

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