Okay... what you will need to do is setup your webserver so members can't directly download the image files.
Then create a perl script that will get the images, but modified in some way, and return the modified image.
Note that if you use exif/iptc, it is possible the user could remove the data.
But here is some code that will return a jpg image with the Description indicating the user.
To use, you'd have your images be something like:
www.yoursite.com/cgi-bin/getimage.pl?ImageName=someimage.jpg