def payment_profile_options(user, params)
      bt_address = "#{params[:billing][:address]}"
      bt_address << ", #{params[:billing][:address2]}" if params[:billing][:address2] && params[:billing][:address2].strip.length > 0          
                
      return {      
        :customer_profile_id => user.authnet_customer_profile_id.to_i,      
        :payment_profile => {
          :bill_to => {
            :first_name   => params[:billing][:first_name],
            :last_name    => params[:billing][:last_name],
            :address      => bt_address,
            :city         => params[:billing][:city],
            :state        => params[:billing][:state],
            :zip          => params[:billing][:zip],
            :phone_number => user.phone,
            :email        => user.email
          },        
          :payment => {
            :credit_card => Caboose::StdClass.new({
              :number     => params[:credit_card][:number],
              :month      => params[:credit_card][:expiration_month].to_i,
              :year       => "20#{params[:credit_card][:expiration_year].to_i}",
              :first_name => params[:billing][:first_name],
              :last_name  => params[:billing][:last_name]
            })
          }
        },
        :validation_mode => :live
      }
    end
def payment_profile_options(user, params)
      bt_address = "#{params[:billing][:address]}"
      bt_address << ", #{params[:billing][:address2]}" if params[:billing][:address2] && params[:billing][:address2].strip.length > 0          
                
      return {      
        :customer_profile_id => user.authnet_customer_profile_id.to_i,      
        :payment_profile => {
          :bill_to => {
            :first_name   => params[:billing][:first_name],
            :last_name    => params[:billing][:last_name],
            :address      => bt_address,
            :city         => params[:billing][:city],
            :state        => params[:billing][:state],
            :zip          => params[:billing][:zip],
            :phone_number => user.phone,
            :email        => user.email
          },        
          :payment => {
            :credit_card => Caboose::StdClass.new({
              :number     => params[:credit_card][:number],
              :month      => params[:credit_card][:expiration_month].to_i,
              :year       => "20#{params[:credit_card][:expiration_year].to_i}",
              :first_name => params[:billing][:first_name],
              :last_name  => params[:billing][:last_name]
            })
          }
        },
        :validation_mode => :live
      }
    end
=============================================================================
 Returns the options hash for the gateway.create_customer_payment_profile method.