app/code/core/Mage/Sales/Model/Quote/Payment.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_Sales
 * @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)
 */

/**
 * Quote payment information
 */
class Mage_Sales_Model_Quote_Payment extends Mage_Payment_Model_Info
{
    protected $_eventPrefix = 'sales_quote_payment';
    protected $_eventObject = 'payment';

    protected $_quote;

    /**
     * Initialize resource model
     */
    protected function _construct()
    {
        $this->_init('sales/quote_payment');
    }

    /**
     * Declare quote model instance
     *
     * @param   Mage_Sales_Model_Quote $quote
     * @return  Mage_Sales_Model_Quote_Payment
     */
    public function setQuote(Mage_Sales_Model_Quote $quote)
    {
        $this->_quote = $quote;
        $this->setQuoteId($quote->getId());
        return $this;
    }

    /**
     * Retrieve quote model instance
     *
     * @return Mage_Sales_Model_Quote
     */
    public function getQuote()
    {
        return $this->_quote;
    }

    /**
     * Import data
     *
     * @param   array $data
     * @return  Mage_Sales_Model_Quote_Payment
     */
    public function importData(array $data)
    {
        $data = new Varien_Object($data);
        Mage::dispatchEvent(
            $this->_eventPrefix . '_import_data_before',
            array(
                $this->_eventObject=>$this,
                'input'=>$data,
            )
        );

        $this->setMethod($data->getMethod());
        $method = $this->getMethodInstance();

        $method->assignData($data);
        /*
        * validating the payment data
        */
        $method->validate();
        return $this;
    }

    /**
     * Prepare object for save
     *
     * @return Mage_Sales_Model_Quote_Payment
     */
    protected function _beforeSave()
    {
        try {
            $method = $this->getMethodInstance();
        } catch (Mage_Core_Exception $e) {
            return parent::_beforeSave();
        }
        $method->prepareSave();
        if ($this->getQuote()) {
            $this->setParentId($this->getQuote()->getId());
        }
        return parent::_beforeSave();
    }

    public function getCheckoutRedirectUrl()
    {
        $method = $this->getMethodInstance();

        return $method ? $method->getCheckoutRedirectUrl() : false;
    }

    public function getOrderPlaceRedirectUrl()
    {
        $method = $this->getMethodInstance();

        return $method ? $method->getOrderPlaceRedirectUrl() : false;
    }
}

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