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Christian Grothoff 2016-08-25 17:53:55 +02:00
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@ -1383,8 +1383,8 @@ especially given that the digital wallet is likely to only contain a
% I changed it to ``available funds'', but I meant _all_ the money % I changed it to ``available funds'', but I meant _all_ the money
% he has. % he has.
small fraction of the customer's available funds. As a result, Taler small fraction of the customer's available funds. As a result, Taler
improves usability if the customer is able to withdraw funds once to improves usability if the customer withdraws funds once to
then facilitate many micropayments, while Taler is likely less usable then perform many micropayments, while Taler is likely less usable
if for each transaction the customer first visits the bank to withdraw if for each transaction the customer first visits the bank to withdraw
funds. This is {\em deliberate}, as Taler can only achieve reasonable funds. This is {\em deliberate}, as Taler can only achieve reasonable
privacy for customers if they keep a balance in their wallet, as privacy for customers if they keep a balance in their wallet, as
@ -1400,7 +1400,7 @@ Taler in one interesting point, namely that the wallet is given
details about the contract the user enters (steps 7 to 11). details about the contract the user enters (steps 7 to 11).
However, in contrast to Taler, Bitcoin wallets are expected However, in contrast to Taler, Bitcoin wallets are expected
to fetch the ``invoice'' from the merchant. In Taler, the browser to fetch the ``invoice'' from the merchant. In Taler, the browser
can provide the Taler wallet with the proposed contract directly. In can provide the proposed contract directly to the wallet. In
PayPal and 3DS, the user is left without a cryptographically secured PayPal and 3DS, the user is left without a cryptographically secured
receipt. receipt.
@ -1430,13 +1430,15 @@ counterfeit money.
% about maintaining change and depositing the money earned % about maintaining change and depositing the money earned
% CG: No, it's not optional, ``should'' doesn't come into the equation % CG: No, it's not optional, ``should'' doesn't come into the equation
% here. It's a mandatory business expense. % here. It's a mandatory business expense.
Furthermore, merchants have the cost of maintaining change and depositing Furthermore, with cash merchants have the cost of maintaining change
the money earned. At the extreme, there is no definitive time until a and depositing the money earned. The most extreme case for lack of
Bitcoin payment can be said to be confirmed (step 19, Figure~\ref{fig:bitcoin}), assurances upon ``completion'' is Bitcoin, where there is no time
leaving merchants in a bit of a tricky situation. until a payment can be said to be definitively confirmed (step 19,
Figure~\ref{fig:bitcoin}), leaving merchants in a bit of a tricky
situation.
Finally, attempts to address the scalability hudles of Bitcoin using Finally, attempts to address the scalability hudles of Bitcoin using
side-chains or schemes like BOLT introduces semi-centralized side-chains or schemes like BOLT introduce semi-centralized
intermediaries, not wholey unlike Taler's use of exchanges. Compared intermediaries, not wholey unlike Taler's use of exchanges. Compared
to BOLT, we would expect a Taler exchange operating in BTC to offer to BOLT, we would expect a Taler exchange operating in BTC to offer
stronger security to all parties and stronger anonymity to customers, stronger security to all parties and stronger anonymity to customers,
@ -1489,8 +1491,8 @@ note that sharing coins by copying the respective private keys across
devices is not taxable: the exchange is not involved, no contracts are devices is not taxable: the exchange is not involved, no contracts are
signed, and no records for taxation are created. However, the signed, and no records for taxation are created. However, the
involved entities must trust each other, because after copying a private involved entities must trust each other, because after copying a private
key both parties could spend the coins, but only the first transaction key both parties could try to spend the coins, but only the first
will succeed. Given this crucial limitation transaction will succeed. Given this crucial limitation
inherent in sharing keys, we consider it ethically acceptable that inherent in sharing keys, we consider it ethically acceptable that
sharing is not taxable. sharing is not taxable.
@ -1502,7 +1504,9 @@ desired, the {\em reserve} would still need to be tied to a particular
citizen's identity for tax purposes, and thus require similar citizen's identity for tax purposes, and thus require similar
identification protocols as commonly used for establishing a bank identification protocols as commonly used for establishing a bank
account. As such, in terms of institutions, one would expect this account. As such, in terms of institutions, one would expect this
setup to be offered most easily by traditional banks. setup to be offered most easily by traditional banks, effectively
merging the technical concepts of a (traditional) bank accounts and
Taler reserves into one service for the customer.
In terms of usability, transactional In terms of usability, transactional
transfers are just as easy as sharing when performed over NFC, but transfers are just as easy as sharing when performed over NFC, but
@ -1514,7 +1518,7 @@ needs to be assured.
\section{Conclusion} \section{Conclusions}
Customers and merchants should be able to easily adapt their existing Customers and merchants should be able to easily adapt their existing
mental models and technical infrastructure to Taler. In contrast, mental models and technical infrastructure to Taler. In contrast,
@ -1530,7 +1534,8 @@ and usability.
% That should be intuitive. % That should be intuitive.
We expect that electronic wallets that automatically collect digitally We expect that electronic wallets that automatically collect digitally
signed receipts for transactions will become commonplace. signed receipts for transactions will become commonplace.
In this way, Taler gives the user full control over the usage of their By providing a free software wallet, Taler gives the user full control
over the usage of their
transaction history, as opposed to giving control to big data corporations. transaction history, as opposed to giving control to big data corporations.
\begin{center} \begin{center}