I had an idea for a payment scheme that uses key derivation, but instead of the payee deriving the addresses, the payer would do it.It would work like that:
- The payee publishes his master public key
- The payer generates a random "receipt number" (say, 25 random bytes)
- The payer derives an address from the master public key using the receipt number and pays to it
- The payer sends the receipt to the payee
- The payee derives a private key with that receipt and adds it to his wallet
Advantages:
- It increases privacy by avoiding address reuse
- The process is asynchronous. The payee is completely passive in the payment process and isn't required to provide new addresses before each payment (so no payment server required)
- Its usable as a replacement for cases where re-used addresses are the most viable solution (like putting an address in a forum signature or as a development fund in a github readme)
- The receipt also acts as a proof of payment that the payer can provide to the payee
- Also, if the master is known to belong to someone, this also allows the payer prove to a third-party that the payment was made to that someone. If the output was spent, it also proves that he was aware of the payment and has the receipt.
- Its a really thin abstraction layer that doesn't require much changes
Disadvantages:
- Losing the receipt numbers means losing access to your funds, they are random and there's no way to restore them
- It requires sending the receipt to the payee somehow. Email could work for that, but a better defined channel that also can talk to the Bitcoin client and add the receipt would be much better.
What do you think?
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