1. A computer-implemented bill processing method, the method being performed by a computing apparatus and comprising: the computing apparatus receiving an image of a printed bill or invoice of a payer that is a recipient of the printed bill or invoice, the printed bill or invoice reflecting an amount owed by the payer recipient to a payee, the received image comprising at least one section manually highlighted by the payer recipient and at least one unhighlighted section; the computing apparatus determining bill or invoice data within the at least one section that was manually highlighted by the payer recipient based at least in part upon identifying a pre-determined number of contiguous pixels in the image having a color that differs from a background color of the image; and the computing apparatus processing the bill or invoice for electronic payment by the payer recipient to the payee based at least in part upon the determined bill or invoice data within the at least one section that was manually highlighted by the payer recipient.