A web photo album is already a common thing. The majority uses online web albums, where you can upload your photos, e.g. Flickr and Google’s Picasa. Also some social network portals are adding features to share photos between their users.
A much smaller group downloaded and installed a photo album application to their accounts on servers, e.g. Gallery and Coppermine. Usually they require to have a database and have a large possibilities to configure it, install plug-ins, manage photos, etc.
And then there is a special category — photo album generators. They are much simpler, usually do not use any database, but you have to regenerate your albums when you change your photos or you add a new photo.
(There is more where this came from … )