I spent a decent amount of time thinking about how to denominate the receiving address as well.  One solution I thought of, is not nearly as fancy as what you describe but sort of works.  You could just have the recipient provide a concatenated list of addresses from his wallet than can be used to do denominate the transaction.  This could be called a "Dark" address or something else equally silly  . and would look something like this:

ABCDEFGHIJK

where each letter represents a different address in the receiving wallet. The "Dark" address would be long as fuck, but it would get the job done - on the blockchain there would be no record of a special "Dark" address ever existing, only the individual addresses, A, B, C etc.