We propose a garment-fitting system for an online retail model, which uses a consumer's 3D body data for garment fitting. This system uses front and back images to model the garment and 3D laser scanned body data to model the body. In order to recognize characteristic points on the 3D body data, a moment template composed of central moments of vector angle sets on 3D body data is proposed, and an implementation combining the 3D data and garment images is reported, which includes modeling, collision detection and feedback handling. The resulting system would support an online retail business model for garments. In the proposed business model, a body data center would scan the body and store the 3D data, the simulated garment-fitting program would be provided to individual consumers for fitting on a home PC, and retail shops would exhibit garment images on their websites. In this proposed model, security of personal data and computational cost will not be an issue.