BACKGROUND

Modern computer technology has brought several improvements to the bill payment and money transfer industry. Computer applications and devices such as smartphones have enabled consumers to make paperless bill payments and money transfers, for example. Consumer computing devices (e.g., mobile phones, laptops, or desktops) also often have calendar or scheduling applications that can send notifications to consumers regarding, for example, payment due dates and recurring payment dates. Such notifications may be received from an application locally stored on the consumer computing device, or from a remote source. Often, when a notification is received, a challenge is being near a bill payment and money transfer agent location to quickly make an in-person payment. Relatedly, a person may be located or traveling through the vicinity of an agent location but be unaware of this. For example, certain agent locations are affiliated with other businesses such that it may not be obvious from the outside that a business supports bill payment and money transfer functions or that the business hosts a bill payment and money transfer agent. In such situations, there may be a payment due, the desire to make a payment, and also the opportunity to make a payment, but the person lacks the knowledge of this opportunity.

