the posted data format and api url has changed now

using a helper class in my tests

```ruby
# depends on version 1.1 of api
# in production we would use javascript to generate this token
# and then submit the token to the server
# for ease of unit-testing this ruby class
# generating this token via ruby on the server
class GenerateTokenHelper
  API_URI = URI.parse("https://www.beanstream.com/scripts/tokenization/tokens")

  # send a "new token" request using the credit card as per the docs
  # which returns an approved message
  def generate_test_token_for_approval
    http = Net::HTTP.new(API_URI.host, API_URI.port)
    http.use_ssl = true
    http.verify_mode = OpenSSL::SSL::VERIFY_NONE

    visa_credit_card = "4030000010001234"

    request = Net::HTTP::Post.new(API_URI.path)
    request.content_type = "application/json"
    request.body = {
      "number" => visa_credit_card,
      "expiry_month" => "10",
      "expiry_year" => (Time.now.year + 5) % 100,
      "cvd" => "123"
      }.to_json

    raw_response = http.request(request)
    response = JSON.parse(raw_response.body)

    if response["code"] == 1
      response["token"]
    else
      nil
    end
  end
end
```