SPEECH BASED USER ACCESS IDENTIFICATION, VERIFICATION AND RECOGNITION SERVICES FOR USE IN ELECTRONIC COMMERCE TO CONFIRM THAT THE CUSTOMER IS AUTHORIZED TO USE THE ACCOUNT SELECTED; IN ON LINE FINANCIAL SERVICES TO CONFIRM THAT THE CALLER IS THE ACTUAL OWNER OF THE ACCOUNT; IN PROPRIETARY, CONFIDENTIAL AND SUBSCRIBER WEBSITES TO CONFIRM THAT ONLY THE AUTHORIZED CUSTOMER IS ACCESSING THE WEB PAGE; IN TOLL CALL AND CELLULAR SERVICES TO CONFIRM THAT THE CALLER IS THE VALID ACCOUNT HOLDER; IN LONG DISTANCE CONFERENCING, INTERNATIONAL CALLBACK AND PHONE CARDS TO CONFIRM THAT THE CALLER IS THE VALID ACCOUNT HOLDER; IN THE TELEPHONE AND INTERNET PURCHASING TO CONFIRM THAT THE USER IF AUTHORIZED TO PURCHASE GOODS AND SERVICES; IN TELECOMMUTERS TO CONFIRM THAT THE CALLER IS THE ACTUAL EMPLOYEE; IN ON LINE LEARNING TO CONFIRM THAT THE REGISTER STUDENT IS THE PERSON TAKING THE EXAM; IN HOME HEALTH CARE TO CONFIRM THAT THE ACTUAL HEALTH CARE PROVIDER IS AT THEIR ASSIGNED LOCATION; IN OFFENDER TRACKING TO CONFIRM THAT THE PAROLEE/ PROBATIONER IS AT THE LOCATION ASSIGNED BY THE COURT; IN ON LINE UNEMPLOYMENT INSURANCE TO CONFIRM THE LOCATION AND IDENTITY OF THE PERSON REQUESTED BENEFITS AND IN ON LINE WELFARE BENEFITS TO CONFIRM THE LOCATION AND IDENTIFY OF THE PERSON REQUESTING BENEFITS