Encoding data in multiple formats

1. A computer-implemented method comprising:

receiving, from an payment object reader, information associated with a payment object;

encoding the information associated with the payment object in a first packet having a preamble to be sent to a user device at a first data rate;

generating a preamble segment, a synchronization segment and a data segment for the first packet;

encoding the information associated with the payment object in a second packet to be sent to the user device at a second data rate lower than the first data rate, the second packet reusing at least one of the preamble segment, the synchronization segment, and the data segment for the first packet;

modulating the first packet and the second packet into a signal that includes at least a first portion that corresponds to the first packet and at least a second portion that corresponds to the second packet; and

sending, to the user device, the signal including the first portion that corresponds to the first packet and the second portion that corresponds to the second packet.

2. The computer-implemented method of claim 1 wherein receiving the information associated with the payment object comprises receiving the information associated with the payment object from a magnetic strip of the object or from a chip embedded in the object.

3. The computer-implemented method of claim 1 wherein sending, to the user device, the signal comprises sending the signal over an audio channel of the user device.

4. The computer-implemented method of claim 1 further comprising:

reusing the preamble for the second packet.

5. The computer-implemented method of claim 1 wherein encoding the information associated with the payment object comprises using Manchester encoding, and modulating the first packet and the second packet comprises pulse-width modulating.

6. The computer-implemented method of claim 1 further comprising encoding the information associated with the payment object into a third packet at a third data rate; generating a preamble segment for the first packet and reusing the preamble segment for the third packet.

7. A payment object reading device comprising:

a payment object reader configured to:

read payment object information from a payment object; and

transmit the payment object information to a processor;

wherein the payment object reader obtains the payment object information from a chip embedded in the payment object;

the processor configured to:

receive the payment object information associated with the payment object;

modulate the payment object information for transmission at a first data rate and at a second data rate, wherein the first data rate is faster than the second data rate; and

transmit a communication to a user device, the communication including payment object information modulated at both the first data rate and the second data rate.

8. The payment object reading device of claim 7 wherein the payment object information is encoded in a first format to provide a first format packet having a first preamble segment, a first synchronization segment and a first data segment, and the payment object information is encoded in the second format to provide a second format packet having a second preamble segment, a second synchronization segment and a second data segment.

9. The payment object reading device of claim 8 wherein the payment object reader is configured to encode the payment object information in a third format to be transmitted to the user device at a third data rate, and to reuse at least one of the first preamble segment, the first synchronization segment, and the first data segment for encoding the payment object information in the third format.

10. The payment object reading device of claim 8 wherein the second preamble segment is longer than the first preamble segment.

11. The payment object reading device of claim 8 wherein the first portion that corresponds to the first format has a bit rate that is at least three times higher than the second portion that corresponds to the second format.

12. A device comprising:

a communication interface configured to receive a communication, wherein the communication includes a first format packet of payment object information modulated for transmission at a first data rate and a second format packet of the payment object information modulated for transmission at a second data rate wherein the first data rate is faster than the second data rate; and

a processor configured to demodulate one or both of the payment object information at the first data rate, or the payment object information at the second data rate;

wherein the processor is configured to perform a first Fourier transform on a preamble of the first format packet to estimate a data rate of the first format packet.

13. The device of claim 12 wherein the processor is configured to perform a high-pass finite impulse response filtering to remove high frequency noise from the transmission.

14. The device of claim 12 wherein the processor is configured to search for a synchronization segment of the first format packet and generate a reference sine wave.

15. The device of claim 14 wherein the processor is configured to integrate the reference sine wave with a data segment of the first format packet to generate bits of the first format packet.

16. The device of claim 14 wherein the payment object information is encoded in a first format to provide the first format packet having a first preamble segment, a first synchronization segment and a first data segment, and the payment object information is encoded in a second format to provide the second format packet having a second preamble segment, a second synchronization segment and a second data segment.