Method and system for automatically harmonizing access to a software application program via different access devices

A computer program product comprising a non-transitory computer usable medium having computer-readable program code embodied therein, the computer-readable program code programmed to be executed by a computer performs a method comprising:

• in response to receiving from a remote device, by at least one computer software module of the computer executing the computer-readable program code, an initial communication indicating an identity of a customer and a remote device type:
• identifying, by the at least one computer software module, a particular renderer module executed by the remote device and an output format, of a plurality of output formats, compatible with the particular renderer module;
• translating, by the at least one computer software module using the output format, an application stream for the particular renderer module used by the remote device;
• identifying, by the at least one computer software module based on the identification of the customer, data associated with the customer to include in the application stream;
• tokenizing, by the at least one computer software module, the application stream having an input format as received from a selected application in accordance with at least one of a plurality of template data files configured for the output format compatible with the particular renderer module of the remote device, wherein tokenizing the application stream generates a tokenized application stream comprising one or more elements parsed from the application stream having the input format and mapped to the output format compatible with the particular renderer module of the remote device;
• where a customer is identified through the remote device to a financial institution software application, and
• where the financial institution software application gathers data to perform the selected application;
• generating, by the at least one computer software module, a graphical representation of the application stream received from the selected application, the graphical representation displaying the one or more elements of the tokenized application stream and having the output format compatible with the particular renderer module of the remote device;
• and
• transmitting, by the at least one computer software module, the graphical representation to the remote device for displaying on the remote device.