First, it helps to think of ID2D1Bitmap as a "device bitmap". It may or may not live in local, CPU-addressable memory, and it doesn't give you any convenient (or at least fast) way to read/write the pixels from the CPU side of the bus. So approaching from that angle is probably the wrong approach.
What I think you want is a regular WIC bitmap, IWICBitmap, which you can create with IWICImagingFactory::CreateBitmap(). From there you can call Lock() to get at the buffer, and then read/write using pointers and do whatever you want. Then, when you need to draw it on-screen with Direct2D, use ID2D1RenderTarget::CreateBitmap() to create a new device bitmap, or ID2D1Bitmap::CopyFromMemory() to update an existing device bitmap. You can also render into an IWICBitmap by making use of ID2D1Factory::CreateWicBitmapRenderTarget() (not hardware accelerated).
You will not get hardware acceleration for these types of operations. The updated Direct2D in Win8 (should also be available for Win7 eventually) has some spiffy stuff for this but it's rather complex looking.
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