Help on developing a site to dress up models


I want some help on developing a site similar to I want to know what is the approach to make it. Should i make it XML based i.e an XML for each category? How are the number of models handled? Should I put each category of clothes in different layer and load the images? I have made some few games for kids in which they need to dress up a doll. But in that I had characters wearing all sort of clothes and i just need to show the frame containing the character with the particular dress chosen by user. What is the approach used in this site? Please help me