107 through messages 105 to the terminal 100 the application templates 107 are sent from the server 106 to the terminal 100 when requested for customization it is recognized that the application templates 107 could also be sent by the generation server 106 to an independent customization provider 120 which can be a development environment for customizing the application user interface ui communication with the web service 110 and the applications 122 process workflow in this case the provider 120 would send completed applications 122 to the terminal 100 the terminal 100 uses the applications 122 to access or otherwise communicate with a web service 110 or other schema defined services such as but not limited to sql databases it is recognised that the server 106 could be an independent server or provided by the web service 110 the terminal 100 contacts the generation server 106 to ultimately obtain the applications 122 the terminal can first become aware of the web service 110 through a universal description discovery and integration uddi service registry 124 which contains reference to the web service 110 the server 106 can use the registry 124 and or the web service 110 to generate the model templates 107 based on the definition of the service 110 the service can be defined according to a structured definition language such as but not limited to wsdl it is recognized that repositories or databases 128 accessed by a repository server 130 can be used to store completed templates 107 and or applications 122 if desired further the system 10 can also have a gateway server 112 for.