AND....I figured it out.  It's actually through my nvr, which is an LNR632.  It's the following: 
  
http://IPADDRESS/cgi-bin/snapshot.cgi?1 
  
The only thing I'm unclear is how to select the channel I want to take picture of.  I thought the last digit was the channel.  But when I change it, it just keeps taking picture of channel 1. 
  
Any ideas?