If configured so, users can upload at the front end. The album covers as well as the thumbnail display areas can have an upload link that opens an upload dialog.
To see how it works:
For security reasons users must be logged in in the docs and demos site because i do not believe that people that upload naughty photos give their real email address, but that can be switched off. No email required for this reason.
go to http://wppa.opajaap.nl and create a login and login.
then go to: http://wppa.opajaap.nl/photo-album-test-post/?locale=en_US&wppa-album=2&wppa-cover=0&wppa-occur=1 and scroll down to Public Album and find the upload link
So, create a special album, make the owner ---public---, set owners only (Table VII-B1), and Table VII-B2 (to make it possible anyway) and optionally Table VII-B0, and put this album(cover) on the special page.
I suggest you check Table VII-B3 also, to keep control.