Embodiments of the invention are directed to a system, method, or computer program product for authorizing access based on authentication via a separate channel. In this way, the invention generates and utilizes tokenized identification of user authentication into third party systems to confirm the user identification and subsequently allow authentication into an application based on receipt of the token. As such, the system creates a three way communication linkage for resource transfer which leverages the user's authentication via the merchant system. The system positions a generated token with a merchant. Once a user is identified as authenticated into a merchant system, geo-location, or other application authentication, the token is coded to distribute back to the system. The system may then allow user or merchant assess to resource holdings associated with the user for distribution to the merchant without additional user authentication.