Abstract: The present invention relates to a method of electronic data storage, integration, management, retrieval and organization that mimics the physical filing system through the use of account-centric non-table driven methodologies. The method of the present invention stores data related to the same account in an account-centric ledger file, where such ledger is a virtual folder that is being implemented using DBMS as the filing apparatus. The data as stored in the ledger can be retrieved as a whole when requested. Another embodiment of the present invention relates to a computer program having a module where execution of said module generates the method for storing, integrating, managing, retrieving and organizing data in accordance with the present invention.