Question: who owns AI generated art?

Let’s say Charlie writes a prompt in DALL*E that creates an amazing image and posts it online. Lucy sees that image, downloads it, and sells greeting cards with that image.

Who has a claim?

Charlie says he made the image with his own specific words and content. That specific image would not exist without him since it was uniquely created with a combination of his input and the particular state the AI was in at the time. Charlie is also paying a small monthly stipend to access the AI, and therefore, he owns the image.

Lucy says Charlie freely posted it online, and Charlie didn’t actually create the artwork, but suggested it. The AI actually created the image and did all of the work manifesting the image. Also, since the company hosting/providing the AI has no copyright claim or specific licensing on any of its’ creations, no one owns it.