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A prototyping development method is presented here which was used to develop an online distributed banking system. The author's experiences indicate that a prototyping process can assist in the efficient development of complex application systems by breaking the problem into several parts. A prototyping model based on combining the main concepts of the traditional prototyping model, the state-transition model and the overlapping phases model is presented and discussed. A four prototyping method implemented over five years is presented in the context of this model.

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