Token Payload is JSON serialized

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Description

Hi all, first of all thanks for creating this!

At the moment it seems like create_token_type JSON serializes the payload when this isn't required since the entire JWT would be serialized.

Though I can override create_token_type it's fairly non-standard and most implementations just have the payload as an object not a string.

Steps to Reproduce

1. Create a JWT through ObtainJSONWebToken
2. Decode the JWT and notice that the payload is a string that is JSON serialized, this is fairly non-standard, I haven't seen this in any other JWT

Expected behavior

I would expect the payload not to be a string and instead be an object containing the fields

Actual behavior

Payload is a string that is JSON serialized