first of all DCF is not what have you found. it's not actually "Design rule for Camera File system". may be you found it on Google. but that's not it.
and DCF is actually a container for OMA DRM files.The actual content of DCF file can be in any format, such as MPEG4. I suppose you know about DRM files. any ways these are protected files. means LOCKED. and you need a valid KEY to play it.
you probably now are thinking about the key where to find it right?
sorry you have to forget about it. these keys are logical and only found in the platform where these protected files are really supposed to be played.)
may be you would have faced some experience on your PC. with DRM-Protected WMV(Windows Media Video) files. when you try to play them in any player it takes you to a website to avail a key for that.
this DCF is just like that.
and your phone is just capable to play that kind of file only because your phone is pre-installed with these electronic keys.
ok that above was a little lecture about DCF understanding.
I just give you some reference of Chillout Software http://chillout.dmpf.org/. that I was referring back in years when I used to develop in Java. so this thing was lead to me that time. and on that time this thing was only for developers to use.
may be now after a couple of years there could be some stuff on providing the access of DCF on PCs but I am not sure.
but please take in mind. that these are DRM-Protected files. if there is any solution or stuff you found on the internet. that will be 100% illegal and a kind of warez. that could crack these files. and remove the DRM protection from the media files.
any ways good lucks to you.