When I
separate out the individual jewel colours
I get
which looks like
A red/ruby B, an orange/amber G, and a yellow 's
However I can't quite work out how to apply
the hint to incorporate the pattern made by each colour of jewel with that colour itself - B + red = bread? BG's = Bee Gees?
Based on comments from the OP:
The orange jewels are not intended to be a G - perhaps a C then? And the names of the colours are stated as given. So we have: Bred Corange 'syellow...
The OP indicates that we have to make unique dictionary words, so:
B+RED = BRED
C+ORANGE = ACROGEN (a kind of moss or fern apparently)
'S+YELLOW = ??? OWL'S LEY? WOLLEY'S? YELLOW'S?
and then put these together in an order that will point to a key.... I am completely stumped at this point.
OK, more thoughts based on comments:
So my words are confirmed to be BRED OREGANO YELLOW'S in some order. The pointer to the title made me notice the phrase "ENCRYPT" inside the wording so I started trying things like Playfair en/decoding "JEWELS ON THE FLOOR" using as the keyword various combinations of "BRED OREGANO YELLOW'S", and I also tried it the other way around (en/decoding various combinations of "BRED OREGANO YELLOW'S" with the keyword "JEWELS" or "JEWELS ON THE FLOOR". However none of these attempts resulted in anything useful.