1. In combination, an integrated circuit card including an electronic memory for storing one or more first reference speech templates formed in accordance with a first speech processing algorithm and corresponding to a verification word or phrase and for storing one or more second reference speech templates formed in accordance with a second speech processing algorithm and corresponding to one or more speech commands, which commands enable access to an individualized set of telecommunctions services, a terminal for forming a first test speech template from a speech signal of a prospective user and corresponding to said verification word or phrases for verifying if the prospective user is a legitimate user, and for forming a second test speech template from a command spoken by said legitimate user to enable said legitimate user to selectively access said individualized set of telecommuncations services, and comparison means for comparing said first test template with at least one of said first reference templates and said second test template with at least one of said second reference templates.