Yeah, hand your hard earned credits to someone you don't know...nah:p
Easiest way is of course 2 PCs and a second account,
second easiest is personal fleets and use the fleet bank,
3rd is again the second account and 1 pc, log in both accounts using windowed mode, hand the credits to your other acct,switch windows to accept, hand them back to yourself on the alt you need the credits on.
You can run multiple STO clients on one machine, FTP makes it easy to get a second account, and nothing is more secure than not letting your credits out of your control.