Graphics to phone is easiest done by using direct connection software.
It's a pack that comes with a wire from USB/COM to the bottom (depending on the phone) of your mobile. It'll come with a complete management suit usually which will allow you to do everything from setting backgrounds and ringtones to updating the software on it.
In the UK, these kits can be bought from from Face-It (Those great phone people I work for!

) for about £30 / £40 depending again on the phone...
Apart from that, there will be sites out there that'll offer you this service, you upload the picture of the right specs (which should be featured on the site) and click send... After you've been ripped off you'll be sent the picture to your mobile as a picture message or MMS message (please ensure your setting are correct if it's a SIM free phone, PM me if you want more information, I'll help you as much as I can.)