Secure payment card transactions

A method of securing payment transactions, the method comprising:

• by a computing system comprising computer hardware:
• intercepting payment data supplied by a user for performing a payment card transaction, the payment data comprising actual payment data from a payment medium;
• accessing false payment data that does not represent valid card data;
• and
• providing the false payment data to a POS application, the false payment data configured to be processed as if it were the actual payment data, thereby causing the POS application to transmit an authorization request using the false payment data in place of the actual payment data.

A system for securing payment transactions, the system comprising:

• a computing device programmed to implement a POS security layer configured to:
• capture payment data being sent to a POS application, the payment data comprising actual card data from a payment card;
• obtain false payment data that does not represent valid card data;
• and
• provide the false payment data to the POS application to thereby cause the POS application to transmit an authorization request using the false payment data in place of the actual card data.