Well, I know there is the PC version for downloading which I think is what you are talking about. You can download it here:
http://www.bluewav.co.uk/psodownload.htm
This one was working too but it's down for some time.
http://www.r-base.net/media/ver2/PC/
hmmm!!! Seems to be up now. Well, from playing it myself I know you can play with some of the DC users and it seems Sega did arrange something some one. There are some administrators which check stuff on the game ( I met one myself). Plus they have the quest Sega did so there must be something legal about it. However this game is only EP1 ver. 2. So... the GC and Xbox versions are still better. I hope that helped.
Edit: Ohhh, btw, the guildcards sometimes malfunction I hear. If you're looking for your friend you may end up finding John Doe. Also, the download of the game is quite big. 88MB (I think it is) for the game and then 200 or 300 more for the music depending on if you want it hifi or lower quality. I have 56K do I just downloaded the game (took one whole night) and no music.