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[76.111.96.126]) by mx.google.com with ESMTPSA id lk8sm21837297qeb.3.2013.08.09.13.12.53 for (version=TLSv1 cipher=ECDHE-RSA-RC4-SHA bits=128/128); Fri, 09 Aug 2013 13:12:53 -0700 (PDT) Message-ID: <52054D44.5050006@gmail.com> Date: Fri, 09 Aug 2013 16:12:52 -0400 From: Alan Reiner User-Agent: Mozilla/5.0 (X11; Linux x86_64; rv:17.0) Gecko/20130620 Thunderbird/17.0.7 MIME-Version: 1.0 To: Mike Hearn References: <5AC3FA1D9B1F4FA0A2FE9A67333642B5@LAPTOPAIR> <51C21035.9080407@gmail.com> <53E406CF0D93498DAECAAE061555B7C9@LAPTOPAIR> <51C234FA.5030909@gmail.com> <9600E3D1DDC24D1391C1E4433F71684D@LAPTOPAIR> <51CB08EE.1050403@gmail.com> <52052D8F.90706@gmail.com> In-Reply-To: X-Enigmail-Version: 1.5.2 Content-Type: multipart/alternative; boundary="------------050803000509070405080005" X-Spam-Score: -0.6 (/) X-Spam-Report: Spam Filtering performed by mx.sourceforge.net. See http://spamassassin.org/tag/ for more details. -1.5 SPF_CHECK_PASS SPF reports sender host as permitted sender for sender-domain 0.0 FREEMAIL_FROM Sender email is commonly abused enduser mail provider (etotheipi[at]gmail.com) -0.0 SPF_PASS SPF: sender matches SPF record 1.0 HTML_MESSAGE BODY: HTML included in message -0.1 DKIM_VALID_AU Message has a valid DKIM or DK signature from author's domain 0.1 DKIM_SIGNED Message has a DKIM or DK signature, not necessarily valid -0.1 DKIM_VALID Message has at least one valid DKIM or DK signature X-Headers-End: 1V7t3T-0002XQ-Tt X-Mailman-Approved-At: Fri, 09 Aug 2013 21:51:21 +0000 Cc: Bitcoin Dev Subject: Re: [Bitcoin-development] Optional "wallet-linkable" address format (Re-request) X-BeenThere: bitcoin-development@lists.sourceforge.net X-Mailman-Version: 2.1.9 Precedence: list List-Id: List-Unsubscribe: , List-Archive: List-Post: List-Help: List-Subscribe: , X-List-Received-Date: Fri, 09 Aug 2013 20:13:02 -0000 This is a multi-part message in MIME format. --------------050803000509070405080005 Content-Type: text/plain; charset=UTF-8 Content-Transfer-Encoding: 8bit That's fine. I just want to make sure it's considered for inclusion at some point, because I really hope to leverage the "identity" mechanism I just described, and it's much easier if it's part of a standard instead of convincing others to go around the standard with us. I have not spent much time looking at the payment protocol itself. I didn't feel like I'd have much to contribute (besides requesting a feature I know isn't there). I was planning to wait until it was complete before fully grokking and implementing it in Armory. On 08/09/2013 03:58 PM, Mike Hearn wrote: > Payment protocol is locked down for v1 already. But did you read it? > It doesn't use addresses anywhere. Payments are specified in terms of > a list of outputs which can contain any script. Of course it could be > a pay-to-address script, but pay-to-address uses more bytes in the > chain and there isn't any typeability benefit. > > The multiplication trick for deterministic keys is a nice one and > worth doing, but it has to be a v2 feature by this point. It's more > important to get v1 widely implemented and deployed first. > > > On Fri, Aug 9, 2013 at 7:57 PM, Alan Reiner > wrote: > > Guys, > > I'd like to reiterate my previous request to support this > alternate address serialization in the payment protocol. We got > caught up in the specifics of one use case, but didn't acknowledge > that it's still a valid address representation that will provide > value to those who wish to use it and can be safely ignored by others. > > Current address format: binary_to_base58( idbyte + > hash160(pubkey) + checksum) > Alternate format: binary_to_base58( idbyte + parentpubkey > + multiplier + checksum) > > The receiving party will multiply the pubkey by the multiplier, > and then hash it to get the 20-byte address to send to. The idea > is that you use your BIP 32 parent public key, and then you > generate whatever child you want, and only send them the > multiplier used (not the chaincode). This preserves privacy, but > if the recipient has your parent public key already, they can > identify that address being linked to you, but cannot determine > any other addresses in your wallet. > > This form has no drawbacks to the existing address format except > for being longer and requiring an extra EC multiplication by the > person sending to that address. But the advantage is that it > optionally allows the sender to provide more information than > currently contained in the 25-byte hash160 form. The discussion > about this got side-tracked with the use case I presented, but I > believe there are plenty of other uses for this. > > The particular use case I had in mind was that certain services > could be setup (pre-arranged), say between wallet software and a > business/exchange. The exchange would like to be able to reliably > send addresses to the user for deposit, without risk of MITM, or > even if their own public server is compromised. The author of > wallet software pre-verifies the public key portion of the > service, and either hardcodes it into the software, or hardcodes > their own public key into the software and makes the service's > signed public key available through query server (allowing the > software author to offline-sign replacement keys, or add keys for > new service providers, as needed). > > When the user's software receives a payment address, the software > can verify it belongs to that service. You can't use dedicated > chain technique, because it would either have to be exchanged with > the user on first transaction which half defeats the purpose, or > they give them the full public key and chaincode which allows the > user to see /all /addresses ever used by the service. Neither one > is a reasonable solution. > > This use case doesn't necessarily scale, but it doesn't have to. > It simply allows service providers to skip the SSL and go right to > public key exchange/verification for a few of the important > services they provide access to, and will provide better security > than relying on SSL/PKI. This would simply be one, coexisting > option for providing payment details in the absence (or in > addition to) SSL/PKI infrastructure. > > I'm sure there's other use cases, but it seems simple enough and > non-disruptive enough that it could be supported easily for no > other reason than to support that use case (which I intend to > implement in Armory to help verify high-volume services). > > -Alan > > > > > > On 06/26/2013 11:29 AM, Alan Reiner wrote: >> Although I'd still prefer my original request, I get much of what >> I want from your guys' recommendation. It complicates the wallet >> design, because it requires tracking and associating a matrix of >> addresses for each wallet, instead of a single linear list. But >> if this is what it's going to take then I will go along. >> >> Right now BIP 32 defines, m/i'/j/k, where j=0 is the "external" >> chain used for distributing addresses, and j=1 is the "internal" >> chain for sending change. The CONOPs (concept of operations) for >> the extended wallet would be like Jeremy described: >> >> - Chains with j>=2 would be independent address chains carved out >> for individuals relationships >> - Add wallet code to individually associate each j-value with a >> particular identity >> - Update the wallet code to pool all the addresses in all >> j-chains when calculating the balance of the wallet and/or >> creating transactions >> - When choosing to generically "Receive Bitcoins", will pick the >> next address from the j=0 chain >> - Will have to add extra function to "Receive Bitcoins" button to >> allow creation of new contacts/identities. >> - Change will always go to the next address in j=1, no matter >> which chains are used to provide inputs. >> - Add code to figure out lookaheads for each alternate chain. >> Not just each chain, but looking ahead a couple chains, too. >> Luckily, the lookahead doesn't have to be very big for chains j>=1 >> - Add an interface to display and choose the different chains in >> your wallet, and export the pubkey&chaincode in some >> soon-to-be-standardized format. >> - Add code and interface to receive and track alternate j-chains >> from other clients/users, and maintain those. Should we try >> associating incoming and outgoing chains? What happens if they >> do it wrong? Meh... >> >> Just as one final swipe at this idea, you can see that I gotta do >> quite a bit of work to support the multi-chain idea, and adds a >> little extra burden on the user to maintain the organization of >> the wallet. This would all be totally unnecessary with a simple >> alternate encoding. Granted, I think the multi-chain idea is >> good, and one that I will probably implement anyway, but it seems >> like overkill in terms of developer complexity, and interface >> complexity to achieve something much simpler. Developers of much >> simpler/lightweight clients would probably find this prohibitive. >> >> On another note: I thought we weren't encouraging automatic >> payments without requesting from the other party...? It makes me >> uneasy, but it sounds like group thought has converged on that >> being acceptable. I bring it up, because there are situations >> where it makes sense, but it sounds unsafe for general users. >> Alice will give Bob his own chain for sending Alice money, then a >> year later Bob will send money automatically to Alice not >> realizing that the wallet was lost, retired or compromised. It's >> not that Bob can't ask for a new address, it's that if the >> interface says "Send Money to Alice", that looks legit enough >> that Bob may not feel it necessary to check with Alice first. >> That's more of an interface issue though. We can add a warning >> to "check with the recipient that they still have access to >> wallet 3cQ398x", etc. But I just know someone is going to lose >> money anyway... >> >> -Alan >> >> >> >> >> >> On 06/20/2013 03:32 AM, Mike Hearn wrote: >>> Agree with Jeremy and once the payment protocol work is further >>> along I'd like to see us define an extension that lets you send >>> payment requests containing public keys+chain codes, so further >>> payments can be made push-style with no recipient interaction >>> (e.g. for repeated billing). How apps choose to arrange their >>> chains internally seems like an area for experimentation. I >>> definitely want to implement HD wallets in bitcoinj to allow >>> this and if that means not using the same tree structure as in >>> the BIP then so be it. >>> >>> >>> On Thu, Jun 20, 2013 at 5:54 AM, Jeremy Spilman >>> > wrote: >>> >>> > BIP 32 already specifies how to use the first three tree >>> levels: M/i/j/k, >>> > i~wallet, j~Internal/External, k~address. The first level >>> is actually >>> > type-1 derived, and thus we cannot create an arbitrary >>> number of them >>> > without pre-computing them from the offline wallet. So >>> it's not "free" to >>> > create new wallets unless we redefine how the levels work. >>> >>> Initially I was thinking that you would share the public key >>> and chain code >>> from [m/i'/0] so that you can receive payments at >>> [m/i'/0/k], for a unique >>> value of 'i' for each receive chain. >>> >>> For the case of generating new receive chains from a >>> *watch-only* wallet, as >>> you say, the options are to either keep a cache of >>> PubKey/ChainCode for >>> unused [m/i'] or simply increment 'j' past 1 for an existing >>> [m/i'/j] -- the >>> concept of 'internal/'external' and change addresses at >>> Depth=2 don't make >>> sense for handing out receive chains to lots of people >>> anyway, and certainly >>> BIP32 doesn't *require* 0 <= j <= 1. So I think >>> incrementing 'j' is the way >>> to go here... >>> >>> The "default" layout of BIP32 does NOT mean that >>> implementations should not >>> check for transactions with j > 1. That would be a useless >>> constraint and >>> obviously self-limiting. It might be helpful to add to the >>> 'Compatibility' >>> section some minimum expectations about how a wallet should >>> be 'probed' when >>> imported. If you don't feel completely free to monotonically >>> increment 'j' >>> to your hearts content to achieve major usability benefits, >>> then I say BIP32 >>> could use some clarifying. >>> >>> BTW - the spec calls for addition not multiplication now, so >>> we should call >>> it the 'Addend' not the 'Multiplier' :-) >>> >>> > Do these extra wallet chains behave as different wallets, >>> or sub-wallets? >>> >>> They could, but they certainly don't need to! A single-wallet >>> implementation treats this merely as an address-generation >>> algorithm, and >>> does not expose any hierarchy to the user interface. The >>> user just >>> “magically” gets the ability to send multiple payments to >>> their contacts >>> without immediately sacrificing their privacy >>> (http://www.wired.com/wiredenterprise/2013/06/bitcoin_retai/). >>> Everything >>> goes into the same ledger, balance, coin pool, etc. Most of >>> the code base is >>> unaware BIP32 is even in use. >>> >>> While it is *possible* to support separate ledgers, >>> balances, etc. it is >>> certainly not required, and you get all the benefits either way. >>> >>> I think, since your proposal generates and receives payments >>> into >>> BIP32-style addresses, we both need similar underlying >>> wallet code. The only >>> difference is that you are passing the Kpar for [m/i'/0/k] >>> and the *result* >>> of CKD'((Kpar, cpar), k), and instead I proposed passing >>> Kpar and cpar, and >>> leaving 'k' out of it, letting the receive choose 'k'. >>> >>> > For instance, maybe there's a benefit to using the same >>> parent pubkey >>> > across multiple services, as a form of identity. If I >>> don't want that, I >>> > use your method. If I do want that, I use my method. >>> >>> I think it's a interesting idea using static public keys as >>> a means for >>> persistent identity and hence security from MitM. If you >>> want a shared >>> public key across multiple services we could just combine >>> both ideas and get >>> all the benefits, by making the data structure { >>> ParentPubKey, Addend, >>> ChainCode }: >>> >>> ParentPubKey: Public key of m/i' -- 33 bytes >>> Addend: I[L]*G from CDK'(m/i', j) -- 33 bytes >>> ChainCode: I[R] from CDK'(m/i', j) -- 32 bytes >>> >>> All that remains secret is the ChainCode from [m/i'] -- and >>> of course the >>> private keys. The ParentPubKey is a common value across >>> multiple services, >>> corresponding to user's identity rooted in [m/i']. Each >>> service gets their >>> own 'j'. ParentPubKey + Addend gives you the PubKey of >>> [m/i'/j]. With the >>> ChainCode, the receiver then can generate [m/i'/j/k] for >>> monotonically >>> increasing 'k'. Again, from the user perspective all >>> transactions under >>> [m/i'] can be presented in a single ledger, or not. >>> >>> Anyway, fundamentally my feedback is if you are designing >>> for persistent >>> long-term relationships, you could build in a mechanism for >>> generating >>> address chains so you don't need any further communication >>> after the initial >>> exchange, and it need not complicate the wallet. >>> >>> Thanks, >>> --Jeremy >>> >>> >>> >>> ------------------------------------------------------------------------------ >>> This SF.net email is sponsored by Windows: >>> >>> Build for Windows Store. >>> >>> http://p.sf.net/sfu/windows-dev2dev >>> _______________________________________________ >>> Bitcoin-development mailing list >>> Bitcoin-development@lists.sourceforge.net >>> >>> https://lists.sourceforge.net/lists/listinfo/bitcoin-development >>> >>> >>> >>> >>> ------------------------------------------------------------------------------ >>> This SF.net email is sponsored by Windows: >>> >>> Build for Windows Store. >>> >>> http://p.sf.net/sfu/windows-dev2dev >>> >>> >>> _______________________________________________ >>> Bitcoin-development mailing list >>> Bitcoin-development@lists.sourceforge.net >>> https://lists.sourceforge.net/lists/listinfo/bitcoin-development >> > > > ------------------------------------------------------------------------------ > Get 100% visibility into Java/.NET code with AppDynamics Lite! > It's a free troubleshooting tool designed for production. > Get down to code-level detail for bottlenecks, with <2% overhead. > Download for free and get started troubleshooting in minutes. > http://pubads.g.doubleclick.net/gampad/clk?id=48897031&iu=/4140/ostg.clktrk > _______________________________________________ > Bitcoin-development mailing list > Bitcoin-development@lists.sourceforge.net > > https://lists.sourceforge.net/lists/listinfo/bitcoin-development > > --------------050803000509070405080005 Content-Type: text/html; charset=UTF-8 Content-Transfer-Encoding: 8bit That's fine.  I just want to make sure it's considered for inclusion at some point, because I really hope to leverage the "identity" mechanism I just described, and it's much easier if it's part of a standard instead of convincing others to go around the standard with us.

I have not spent much time looking at the payment protocol itself.  I didn't feel like I'd have much to contribute (besides requesting a feature I know isn't there).  I was planning to wait until it was complete before fully grokking and implementing it in Armory.


On 08/09/2013 03:58 PM, Mike Hearn wrote:
Payment protocol is locked down for v1 already. But did you read it? It doesn't use addresses anywhere. Payments are specified in terms of a list of outputs which can contain any script. Of course it could be a pay-to-address script, but pay-to-address uses more bytes in the chain and there isn't any typeability benefit.

The multiplication trick for deterministic keys is a nice one and worth doing, but it has to be a v2 feature by this point. It's more important to get v1 widely implemented and deployed first.


On Fri, Aug 9, 2013 at 7:57 PM, Alan Reiner <etotheipi@gmail.com> wrote:
Guys,

I'd like to reiterate my previous request to support this alternate address serialization in the payment protocol.  We got caught up in the specifics of one use case, but didn't acknowledge that it's still a valid address representation that will provide value to those who wish to use it and can be safely ignored by others.

Current address format:   binary_to_base58( idbyte + hash160(pubkey) + checksum)
Alternate format:         binary_to_base58( idbyte + parentpubkey + multiplier + checksum)

The receiving party will multiply the pubkey by the multiplier, and then hash it to get the 20-byte address to send to.  The idea is that you use your BIP 32 parent public key, and then you generate whatever child you want, and only send them the multiplier used (not the chaincode).  This preserves privacy, but if the recipient has your parent public key already, they can identify that address being linked to you, but cannot determine any other addresses in your wallet.

This form has no drawbacks to the existing address format except for being longer and requiring an extra EC multiplication by the person sending to that address.  But the advantage is that it optionally allows the sender to provide more information than currently contained in the 25-byte hash160 form.  The discussion about this got side-tracked with the use case I presented, but I believe there are plenty of other uses for this.

The particular use case I had in mind was that certain services could be setup (pre-arranged), say between wallet software and a business/exchange.  The exchange would like to be able to reliably send addresses to the user for deposit, without risk of MITM, or even if their own public server is compromised.  The author of wallet software pre-verifies the public key portion of the service, and either hardcodes it into the software, or hardcodes their own public key into the software and makes the service's signed public key available through query server (allowing the software author to offline-sign replacement keys, or add keys for new service providers, as needed). 

When the user's software receives a payment address, the software can verify it belongs to that service.  You can't use dedicated chain technique, because it would either have to be exchanged with the user on first transaction which half defeats the purpose, or they give them the full public key and chaincode which allows the user to see all addresses ever used by the service.  Neither one is a reasonable solution.

This use case doesn't necessarily scale, but it doesn't have to.  It simply allows service providers to skip the SSL and go right to public key exchange/verification for a few of the important services they provide access to, and will provide better security than relying on SSL/PKI.  This would simply be one, coexisting option for providing payment details in the absence (or in addition to) SSL/PKI infrastructure.

I'm sure there's other use cases, but it seems simple enough and non-disruptive enough that it could be supported easily for no other reason than to support that use case (which I intend to implement in Armory to help verify high-volume services).

-Alan





On 06/26/2013 11:29 AM, Alan Reiner wrote:
Although I'd still prefer my original request, I get much of what I want from your guys' recommendation.  It complicates the wallet design, because it requires tracking and associating a matrix of addresses for each wallet, instead of a single linear list.  But if this is what it's going to take then I will go along. 

Right now BIP 32 defines, m/i'/j/k, where j=0 is the "external" chain used for distributing addresses, and j=1 is the "internal" chain for sending change.  The CONOPs (concept of operations) for the extended wallet would be like Jeremy described:

- Chains with j>=2 would be independent address chains carved out for individuals relationships
- Add wallet code to individually associate each j-value with a particular identity
- Update the wallet code to pool all the addresses in all j-chains when calculating the balance of the wallet and/or creating transactions
- When choosing to generically "Receive Bitcoins", will pick the next address from the j=0 chain
- Will have to add extra function to "Receive Bitcoins" button to allow creation of new contacts/identities.
- Change will always go to the next address in j=1, no matter which chains are used to provide inputs.
- Add code to figure out lookaheads for each alternate chain.  Not just each chain, but looking ahead a couple chains, too.  Luckily, the lookahead doesn't have to be very big for chains j>=1 
- Add an interface to display and choose the different chains in your wallet, and export the pubkey&chaincode in some soon-to-be-standardized format. 
- Add code and interface to receive and track alternate j-chains from other clients/users, and maintain those.  Should we try associating incoming and outgoing chains?  What happens if they do it wrong?  Meh...

Just as one final swipe at this idea, you can see that I gotta do quite a bit of work to support the multi-chain idea, and adds a little extra burden on the user to maintain the organization of the wallet.  This would all be totally unnecessary with a simple alternate encoding.  Granted, I think the multi-chain idea is good, and one that I will probably implement anyway, but it seems like overkill in terms of developer complexity, and interface complexity to achieve something much simpler.  Developers of much simpler/lightweight clients would probably find this prohibitive.

On another note:  I thought we weren't encouraging automatic payments without requesting from the other party...?  It makes me uneasy, but it sounds like group thought has converged on that being acceptable.  I bring it up, because there are situations where it makes sense, but it sounds unsafe for general users.   Alice will give Bob his own chain for sending Alice money, then a year later Bob will send money automatically to Alice not realizing that the wallet was lost, retired or compromised.  It's not that Bob can't ask for a new address, it's that if the interface says "Send Money to Alice", that looks legit enough that Bob may not feel it necessary to check with Alice first.   That's more of an interface issue though.  We can add a warning to "check with the recipient that they still have access to wallet 3cQ398x", etc.   But I just know someone is going to lose money anyway...

-Alan





On 06/20/2013 03:32 AM, Mike Hearn wrote:
Agree with Jeremy and once the payment protocol work is further along I'd like to see us define an extension that lets you send payment requests containing public keys+chain codes, so further payments can be made push-style with no recipient interaction (e.g. for repeated billing). How apps choose to arrange their chains internally seems like an area for experimentation. I definitely want to implement HD wallets in bitcoinj to allow this and if that means not using the same tree structure as in the BIP then so be it.


On Thu, Jun 20, 2013 at 5:54 AM, Jeremy Spilman <jeremy@taplink.co> wrote:
> BIP 32 already specifies how to use the first three tree levels:  M/i/j/k,
> i~wallet, j~Internal/External, k~address.  The first level is actually
> type-1 derived, and thus we cannot create an arbitrary number of them
> without pre-computing them from the offline wallet.  So it's not "free" to
> create new wallets unless we redefine how the levels work.

Initially I was thinking that you would share the public key and chain code
from [m/i'/0] so that you can receive payments at [m/i'/0/k], for a unique
value of 'i' for each receive chain.

For the case of generating new receive chains from a *watch-only* wallet, as
you say, the options are to either keep a cache of PubKey/ChainCode for
unused [m/i'] or simply increment 'j' past 1 for an existing [m/i'/j] -- the
concept of 'internal/'external' and change addresses at Depth=2 don't make
sense for handing out receive chains to lots of people anyway, and certainly
BIP32 doesn't *require* 0 <= j <= 1.  So I think incrementing 'j' is the way
to go here...

The "default" layout of BIP32 does NOT mean that implementations should not
check for transactions with j > 1. That would be a useless constraint and
obviously self-limiting. It might be helpful to add to the 'Compatibility'
section some minimum expectations about how a wallet should be 'probed' when
imported. If you don't feel completely free to monotonically increment 'j'
to your hearts content to achieve major usability benefits, then I say BIP32
could use some clarifying.

BTW - the spec calls for addition not multiplication now, so we should call
it the 'Addend' not the 'Multiplier' :-)

> Do these extra wallet chains behave as different wallets, or sub-wallets?

They could, but they certainly don't need to!  A single-wallet
implementation treats this merely as an address-generation algorithm, and
does not expose any hierarchy to the user interface.  The user just
“magically” gets the ability to send multiple payments to their contacts
without immediately sacrificing their privacy
(http://www.wired.com/wiredenterprise/2013/06/bitcoin_retai/). Everything
goes into the same ledger, balance, coin pool, etc. Most of the code base is
unaware BIP32 is even in use.

While it is *possible* to support separate ledgers, balances, etc. it is
certainly not required, and you get all the benefits either way.

I think, since your proposal generates and receives payments into
BIP32-style addresses, we both need similar underlying wallet code. The only
difference is that you are passing the Kpar for [m/i'/0/k] and the *result*
of CKD'((Kpar, cpar), k), and instead I proposed passing Kpar and cpar, and
leaving 'k' out of it, letting the receive choose 'k'.

> For instance, maybe there's a benefit to using the same parent pubkey
> across multiple services, as a form of identity.   If I don't want that, I
> use your method.  If I do want that, I use my method.

I think it's a interesting idea using static public keys as a means for
persistent identity and hence security from MitM. If you want a shared
public key across multiple services we could just combine both ideas and get
all the benefits, by making the data structure { ParentPubKey, Addend,
ChainCode }:

   ParentPubKey: Public key of m/i' -- 33 bytes
   Addend: I[L]*G from CDK'(m/i', j) -- 33 bytes
   ChainCode: I[R] from CDK'(m/i', j) -- 32 bytes

All that remains secret is the ChainCode from [m/i'] -- and of course the
private keys.  The ParentPubKey is a common value across multiple services,
corresponding to user's identity rooted in [m/i'].  Each service gets their
own 'j'.  ParentPubKey + Addend gives you the PubKey of [m/i'/j].  With the
ChainCode, the receiver then can generate [m/i'/j/k] for monotonically
increasing 'k'. Again, from the user perspective all transactions under
[m/i'] can be presented in a single ledger, or not.

Anyway, fundamentally my feedback is if you are designing for persistent
long-term relationships, you could build in a mechanism for generating
address chains so you don't need any further communication after the initial
exchange, and it need not complicate the wallet.

Thanks,
--Jeremy



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