1. A computerized interactive voice response system comprising: an interactive voice response host computer for providing audio menus; a source computer for providing text menus associated with said audio menus; a user telephone; a user telephone with an embedded computer having a display screen and having a program to display visual menus on the user embedded computer display screen and wherein said user embedded computer is capable of operating independently and not in connection with said user telephone; a modem attached to said user embedded computer for receiving data to display visual menus and other data on the said user embedded computer display screen from a source computer; an interface for connecting the user telephone, and the interactive voice response host computer, wherein said interface connects the user telephone to the interactive voice response host computer, enabling sending signals from the user telephone to the interactive voice response host computer, at all times the interactive voice response host computer is connected for providing and receiving responses to audio menus and wherein the interactive voice response host computer sends only audio messages and dual tone multifrequency signals or other audio tones to said interface which converts the dual tone multifrequency signals or other audio tones to digital signals for use by said user computer; wherein said embedded computer has memory means to store said visual menus and other data; and wherein the program in the user telephone embedded computer enables the user computer display screen to display visual menus along with the audio menus provided to the user telephone.