I like your PDF and I like your approach - really nice.
Nevertheless, I do not see any benefits from implementation of the proposed solution as a part of the wallet and bitcoin-based network.
It is maybe a nice idea. But only an idea - it won't be effective at all in real world (I am IT professional with quite a lot of experience in this buisiness and I am really fascinated with crypto-currencies).
You are proposing traditional IT solutions built-in into the wallet. What is the advanteage? It is only an overhead and limitation...