app/code/core/Mage/Payment/Block/Form/Cc.php

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<?php
/**
 * Magento
 *
 * NOTICE OF LICENSE
 *
 * This source file is subject to the Open Software License (OSL 3.0)
 * that is bundled with this package in the file LICENSE.txt.
 * It is also available through the world-wide-web at this URL:
 * http://opensource.org/licenses/osl-3.0.php
 * If you did not receive a copy of the license and are unable to
 * obtain it through the world-wide-web, please send an email
 * to license@magentocommerce.com so we can send you a copy immediately.
 *
 * DISCLAIMER
 *
 * Do not edit or add to this file if you wish to upgrade Magento to newer
 * versions in the future. If you wish to customize Magento for your
 * needs please refer to http://www.magentocommerce.com for more information.
 *
 * @category   Mage
 * @package    Mage_Payment
 * @copyright  Copyright (c) 2008 Irubin Consulting Inc. DBA Varien (http://www.varien.com)
 * @license    http://opensource.org/licenses/osl-3.0.php  Open Software License (OSL 3.0)
 */


class Mage_Payment_Block_Form_Cc extends Mage_Payment_Block_Form
{
    protected function _construct()
    {
        parent::_construct();
        $this->setTemplate('payment/form/cc.phtml');
    }

    /**
     * Retrieve payment configuration object
     *
     * @return Mage_Payment_Model_Config
     */
    protected function _getConfig()
    {
        return Mage::getSingleton('payment/config');
    }

    /**
     * Retrieve availables credit card types
     *
     * @return array
     */
    public function getCcAvailableTypes()
    {
        $types = $this->_getConfig()->getCcTypes();
        if ($method = $this->getMethod()) {
            $availableTypes = $method->getConfigData('cctypes');
            if ($availableTypes) {
                $availableTypes = explode(',', $availableTypes);
                foreach ($types as $code=>$name) {
                    if (!in_array($code, $availableTypes)) {
                        unset($types[$code]);
                    }
                }
            }
        }
        return $types;
    }

    /**
     * Retrieve credit card expire months
     *
     * @return array
     */
    public function getCcMonths()
    {
        $months = $this->getData('cc_months');
        if (is_null($months)) {
            $months[0] =  $this->__('Month');
            $months = array_merge($months, $this->_getConfig()->getMonths());
            $this->setData('cc_months', $months);
        }
        return $months;
    }

    /**
     * Retrieve credit card expire years
     *
     * @return array
     */
    public function getCcYears()
    {
        $years = $this->getData('cc_years');
        if (is_null($years)) {
            $years = $this->_getConfig()->getYears();
            $years = array(0=>$this->__('Year'))+$years;
            $this->setData('cc_years', $years);
        }
        return $years;
    }

    /**
     * Retrive has verification configuration
     *
     * @return boolean
     */
    public function hasVerification()
    {
        if ($this->getMethod()) {
            $configData = $this->getMethod()->getConfigData('useccv');
            if(is_null($configData)){
                return true;
            }
            return (bool) $configData;
        }
        return true;
    }
}

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