Systems and methods for identifying updated unrequested on-file data

An automatic billing updater (ABU) computing device is provided. The ABU computing device receives, from a candidate merchant, a batch update request including a plurality of account identifiers and retrieves a plurality of historical account identifiers from an historical authorization database. Each account identifier of the historical account identifiers is associated with a respective historical transaction of the candidate merchant. The ABU computing device further compares the account identifiers of the batch update request to the historical account identifiers, identifies at least one unrequested account identifier from the historical account identifiers based on the comparison, retrieves unrequested billing data associated with the unrequested account identifier from a billing database that stores updated billing data associated with a plurality of payment accounts, and transmits the unrequested billing data to the candidate merchant. The unrequested account identifier is not included in the account identifiers of the batch update request.