This paper specify current frauds and proposes a POTC model, which provide guideline to home users as well as developer. Due to improper development of website security and loopholes hackers can easily take benefit. Hackers target home users due to this vulnerability. Therefore it is essential that all users understand the risks of using Internet, the importance of securing their personal information and the consequences if it is not used properly. Cyber crime is also increase in cases of unawareness about online fraud and risks. This is due to increasing attempts from unauthorised third parties to compromise private information for their own benefit-the whole wide area of cyber crime. However, this dependency and use of the Internet bring new and dangerous risks. More and more home users are practice the huge benefit of the Internet. Not only business but all types of organization is depend on the Internet. We are currently living in an age, where the use of the Internet has become second nature to millions of people.
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