2) the parameters of the second copy – layer containing the heart: The layer’s color is #C40009
Blending Options>Inner Glow

 



3) Change now the circles’ group. The layers containing the small circles should be erased out of the group’s copy. Using the Rounded Rectangle Tool (U) (radius 1px), it’s possible to represent a square which may be turned over with the Free Transform option.
The layer’s parameters: Fill 0%



Blending Options>Gradient Overlay



Gradient’s parameters:

 



Make many copies of the last made layer and use on it the Free Transform option to place the copies as it is demonstrated below. The coming outside contours of the copied circles may be erased with the Eraser Tool (E).
4) the layers containing the highlights should be left without changes.

 



Download out of Internet a set of ready to apply brushes for Adobe Photoshop: Floral. Create after that a new layer (Create new layer) and use on it the Floral set’s brushes. Place the layer in case lower than the layers containing the heart (on the layers’ panel).

 

 

 



Make a copy of the last made layer and select Free Transform option to place the copy the way shown next picture:



The picture is finished!

View full size here.