That makes it less straightforward, then, and you'll probably need code. I've not written anything to export to Excel -- hopefully someone else on the forum has and can contribute some knowledge on that.
I did find a blog post with a sample for using managed code to submit data to an Access DB that may be of some help: http://blogs.3sharp.com/davidg/archive/2005/05/05/637.aspx.
Of course, you could also write or purchase a web service to copy your form data out to a DB. I don't know of any for Access, but Qdabra's DBXL can be used with SQL Express (the free version of SQL). You can download a free demo here, if you care to give it a try.