10. The password system of claim 9 wherein said database includes files that each store an RV speech model corresponding to a person having spoken at least said password.
9. A password verification system comprising: a database; a first speech model of a first entry of a password spoken by a user stored in said database; a plurality of reference voice (RV) speech models based on speech inputs by persons stored in said database, each RV speech model including said password; means operating under the control of a computer executing a computer program for selecting at least one RV speech model based on a predetermined difference of similarity between said first speech model and said one RV speech model, said means for selecting comprising means for ranking said RV speech models based on said difference of similarity and wherein said means for selecting selects said at least one RV speech model based on a predetermined threshold from a range of said RV speech model rankings of 15-50 percentile, where a 100 percentile ranking represents a highest ranked RV speech model most similar to said first speech model; a second speech model of a second entry of a password spoken by a user stored in said database; means operating under the control of said computer executing said computer program for comparing said second speech model and said selected one RV model to determine a measure of similarity; means operating under the control of said computer executing said computer program for determining the validity of said second entry of said password based on said measure of similarity.