Secure payment card transactions

A method for securing payment card transactions at a point of sale (POS), the method comprising:

• intercepting, with a POS security layer installed on a POS terminal, payment data from the POS terminal, the payment data comprising actual card data from a payment card;
• transmitting the payment data from the POS security layer to a server security application installed on a POS server;
• providing false payment data from the POS security layer to a POS terminal application installed on the POS terminal, the false payment data configured to be processed as if it were the payment data, such that the POS terminal is configured to transmit a first authorization request to the POS server using the false payment data;
• and
• transmitting a second authorization request from the POS server to a remote server, the second authorization request comprising at least the payment data.

A method for securing payment card transactions at a point of sale (POS), the method comprising:

• intercepting payment data from a POS terminal, the payment data comprising actual card data from a payment card;
• transmitting the actual card data from the POS terminal to a gateway security application installed on a gateway server;
• receiving, at the POS terminal, false card data, the false card data configured to be processed in place of the actual card data;
• and
• providing the false card data to the POS terminal, such that the POS terminal is configured to transmit an authorization request comprising the false card data.

A payment card processing system for securing payment card transactions at a point of sale (POS), the system comprising:

• a POS terminal comprising a host computer and a card entry device, the host computer having a POS terminal application installed thereon;
• a POS server in communication with the POS terminal over a network, the POS server having a POS server application installed thereon that communicates with the POS terminal application to process payment card transactions,
• a POS security layer installed on the host computer of the POS terminal, the POS security layer configured to at least (a) intercept actual card data received from the card entry device when a user initiates a payment card transaction, (b) pass false card data to the POS terminal application for use in place of the actual card data, such that the false card data is transmitted to the POS server in place of the actual card data, and (c) transmit the actual card data to the POS server;
• and
• a server security application installed on the POS server, the server security application in communication with the POS security layer over the secure channel, the server security application configured to receive the actual card data from the POS security layer over the secure channel and to use the false card data to process the payment card transaction.