An application serving system is disclosed that comprises a target client computer that connects to a server system and subscribing institution host Web Server, over a network. Both the client computer Web server and server system implement a network protocol layer to communicate across the network. In a preferred embodiment, the network is the Internet, or other public or private networks, and the network protocol layers are implemented on top of TCP/IP or UDP/IP. Other network configurations and network protocols layers, however, could be implemented in place or in addition to the Internet such as wireless CDPD, GPRS, or other networks. The target, client computer is preferably a PC.

 
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