Abstract: System and methods are described for efficient storage and processing of non-uniform data records. An exemplary embodiment includes a Databank system having a Database Engine, a Database Engine API (Application Program Interface), a Databank Engine, a Databank Engine Class Interface, and a Databank (storage). The Databank storage itself comprises a Descriptor Table (Form Definition) and a Data Repository. The Descriptor Table comprises a plurality of field descriptors for characterizing user information stored in the Databank. The Data Repository, on the other hand, stores the actual data from the non-uniform data records. It comprises "static" fields and a "dynamic" field. The static fields store core fields necessary for characterizing each data record (irrespective of what type of information a given data record stores). User data are stored in a structured, pre-defined manner using logical fields (or "subfields") of the dynamic field.