A method and computer system for providing access to computer resources on a computer system and includes generating a token containing encrypted user information including credit, authorization, and authentication information. A request is initiated to open an encrypted computer resource stored on the computer system, and execution of a remote application manager component on the computer system is also initiated. The remote application manager component decrypts the token and authenticates a user using authentication information stored in the token. Whether the user is authorized and has sufficient credit are then verified. When the user is approved, the requested computer resource is decrypted and opened. Use of the computer resource is monitored to determine whether the user has sufficient credit to continue using the computer resource. A notification is provided when the monitored usage of the opened computer resource has exceeded the credit.