Encoding data in multiple formats

1. A computer-implemented method comprising:

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

encoding the information associated with the payment object into a data segment of a first packet;

generating a preamble segment for the first packet;

encoding the information associated with the payment object into the data segment of a second packet to be sent to a user device;

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 the payment object is coupled to a card, and wherein the payment object includes at least one of a magnetic strip or a chip.

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 , 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.

5. The computer-implemented method of claim 1 , wherein encoding the information associated with the payment object in the first packet comprises encoding the information associated with the payment object in the first packet using a first format.

6. The computer-implemented method of claim 1 , wherein encoding the information associated with the payment object in the second packet comprises encoding the information associated with the payment object in the second packet using a second format.

7. The computer-implemented method of claim 1 , wherein sending, to the user device, the signal comprises sending the first portion of the signal at a first data rate and sending the second portion of the signal at a second data rate.

8. The computer-implemented method of claim 7 , wherein the second data rate is lower than the first data rate.

9. A computer-implemented method comprising:

receiving payment object information via a payment object reader, the payment object information associated with a payment object read by the payment object reader;

generating a first packet that includes the received payment object information in a first format;

generating a second packet that includes the received payment object information in a second format;

modulating the first packet and the second packet into a signal that includes a first signal portion corresponding to the first packet and a second signal portion corresponding to the second packet; and

transmitting the signal to a user device.

10. The computer-implemented method of claim 9 , wherein the first signal portion is distinct from the second signal portion.

11. The computer-implemented method of claim 9 , wherein the payment object is coupled to a card, and wherein the payment object includes at least one of a magnetic strip or a chip.

12. The computer-implemented method of claim 9 , wherein the first format includes at least one of Manchester encoding or pulse-width modulation.

13. The computer-implemented method of claim 9 , wherein the second format includes at least one of Manchester encoding or pulse-width modulation.

14. The computer-implemented method of claim 9 , wherein the first signal portion includes the first packet encoded at a first data rate and the second signal portion includes the second packet encoded at a second data rate.

15. The computer-implemented method of claim 14 , wherein the second data rate is lower than the first data rate.

16. The computer-implemented method of claim 9 , further comprising modifying the signal using a high-pass finite impulse response filter prior to transmission.

17. The computer-implemented method of claim 9 , wherein modulating the first packet and the second packet into a signal includes modulating a cyclic redundancy check (CRC) segment into the signal, thereby allowing the user device to identify errors in the signal.

18. The computer-implemented method of claim 9 , wherein the first packet includes a first preamble section, and wherein the second packet includes a second preamble section that is of a different length than the first preamble section.

19. A system comprising:

a payment object reader that receives payment object information associated with a payment object read by the payment object reader;

a payment application configured to be stored in a memory and executed by a processor coupled to the memory and to the payment object reader, wherein execution of the payment application stored in the memory by the processor:

generates a first packet that includes the received payment object information in a first format,

generates a second packet that includes the received payment object information in a second format,

modulates the first packet and the second packet into a signal that includes a first signal portion corresponding to the first packet and a second signal portion corresponding to the second packet, and

triggers transmission of the signal to a user device via a transmission channel.

20. The system of claim 19 , wherein the transmission channel is an audio channel.