Abstract: A home-based money transaction method includes steps of asking money transaction by a consumer by inputting a money transaction request to a transaction device, which is located in the customer's address, validating the money transaction request by a sale server, approving the money transaction request by a money transaction entity and transferring money, the amount of which is specified in the money transaction request to a merchant that is specified in the money transaction request. The transaction device provides data for geographic location in which the transaction device is located. In the validating step, the sale server authenticates the identity of the transaction device by comparing the geographic location data of the transaction device with the address of the consumer. The data may be provided with a GPS, IP address, MAC address. A device ID associated with consumer data further provides authentication means.