Am I getting a virus or a reg download?

Villa Rica, GA(Zone 7a)

I keep getting this gray download screen that pops up on my screen, it says something about downloading and it gives you the option of where you want it and everything. You know looks like a regular download box.
The only info that looks a little different is, it says
US From s a payment.aol.com

Far as I know I haven't opened anything that had attachments to it. This happened several times last night and I just kept hitting cancel. Well I shut down the computer last night and went on to bed and soon as I got up turned it back on and there it was again! It has popped up 3 times this morning and I have only been on here for about 45minutes! Does this sound like a virus?? Where is it coming from?? How do I keep it from popping up again??
Help!!

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