20. An apparatus for analyzing voice information received from a person over a communications line, comprising: a storage device for storing one or more voice representations, where each voice representation corresponds to a word or phrase and is associated with a value, and for storing one or more actions; an interface for receiving a one of: a user-specified word and a user-specified phrase; and a processor for receiving voice information from a person over a communications line, analyzing the voice information to determine if one or more of the stored voice representations corresponding to the received user-specified word or phrase occur in the voice information received from the person and to generate a final criteria measurement value associated with the voice information, and performing one or more of the stored actions based on the final criteria measurement value if the voice information is found to include one or more of the stored voice representations, the final criteria measurement value based on the value associated with each determined stored voice representation occurring in the voice information.
20. An apparatus for analyzing voice information received from a person over a communications line, comprising: a storage device for storing one or more voice representations, where each voice representation corresponds to a word or phrase and is associated with a value, and for storing one or more actions; an interface for receiving a one of: a user-specified word and a user-specified phrase; and a processor for receiving voice information from a person over a communications line, analyzing the voice information to determine if one or more of the stored voice representations corresponding to the received user-specified word or phrase occur in the voice information received from the person and to generate a final criteria measurement value associated with the voice information, and performing one or more of the stored actions based on the final criteria measurement value if the voice information is found to include one or more of the stored voice representations, the final criteria measurement value based on the value associated with each determined stored voice representation occurring in the voice information. 25. The apparatus of claim 20 , wherein the processor is capable of receiving the voice information over a telephone line.