1 - Go to wikipedia and click "random article". The title of this article (no cheating!) will be your band name.
2 - Go to quotationspage.com and click on "random". The last four or five words of the last quote on the page will be the title of your album.
3 - Go to flickr.com and click "Explore...". The third picture that shows will be the background of your album cover.
4 - Now, take any graphics software you have and design the complete album cover with the stuff you got from 1-3.