It's really a bad idea to do this yourself, unless you've got some electronics experience. You definitely can't do it without a few IC's designed for the task.
You could actually get away with charging a single cell or a parallel array of cells with just a big current limiting resistor, but it's still a really bad idea. You definitely can't do it to a series array, which is what you're considering to get the 5v the Z needs. If you were to use a parallel array, it would need a step-up converter to get from ~3v to 5v, and that's at least another IC and an annoying-to-procure inductor, with layout and filtering rules that make my brain hurt.
Sadly, the resistor is how the 9800mah packs are wired - mine broke and I needed to open it up to effect repairs. I'll probably replace the charging circuit with a dedicated IC in mine at some point (but retain the stepup converter, because of the aforementioned brain hurt.)