That's a really good idea. But after looking for an FTP client for my Blackberry I was only able to turn up one program, and it would cost $35 to purchase it. It's not really worth it at that point. I'm gonna see if I can determine why ZP throws an error when I try to upload via my phone.
Single photo upload is pretty easy to do with php:
http://www.blazonry.com/scripting/upload-size.php
I wonder what you need to do to be able to give a title and a description to the image. Title should be easy by adding a title field to upload page and renaming the file accordingly. Here's some ideas how to customize the upload code from above site:
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Upload Photo to ZenGallery
Upload to ZenPhoto