The present invention provides to a system and method of providing a data-skin based on a standard schema. In the data skin provision method, a user accesses and logs in to a data skin server. A meta-database is searched for a list of XSDs and skins to represent data. If desired XSD exists, the data skin server maps the XSD to data of the user, thus creating an XML document. A skin storage means is searched for a skin file and the skin file is selected. If the selected skin file is a payable skin file, user information is input to a payment server, and then payment is processed and an approval is obtained. The selected skin file is downloaded to a user computer, or the XML document is mapped to the skin file and various format documents are created and downloaded to the user computer.