The three-schema architecture organizes database systems into three layers. The external schema is what each user sees, tailored to their needs. The conceptual schema is a unified model representing the entire database for the organization. The internal schema deals with how data is physically stored on disks. When a user sends a query, it passes from the external schema to the conceptual schema, then to the internal schema to access data. The data then flows back through these layers, converting formats at each step, so the user receives data in their expected view. This separation helps keep user views independent from physical storage changes, making the system flexible and easier to maintain.