Updating automatic payment method to avoid service disruption

A device, comprising:

• one or more memories;
• and
• one or more processors communicatively coupled to the one or more memories, configured to:
• scan, based on obtaining access to an email account associated with a user, a set of emails in the email account for one or more first key words related to an expiration status associated with a payment method associated with the user,
• wherein the expiration status associated with the payment method is related to a payment card;
• determine, based on scanning the set of emails, whether the payment method has expired or will be expiring within a threshold period;
• identify based on one or more second key words from the set of emails, one or more recurring payment accounts associated with the payment method, wherein the identifying the one or more recurring payment accounts comprises:
• identifying a first recurring payment account of the one or more recurring payment accounts from a first email of the scanned set of emails, based on determining that the payment method has expired or will be expiring within the threshold period;
• identifying a second recurring payment account of the one or more recurring payment accounts, from a second email of the scanned set of emails,
• wherein identifying the second recurring payment account further comprises determining, in the second email, that an unspecified automatic payment method has expired or will be expiring within the threshold period, and that the second email was sent within a threshold time period from a time the first email was sent;
• associating the second recurring payment account with the payment method based on determining that the second email was received within the threshold time period from receiving the first email;
• and
• replace, based on the identified first recurring payment account and based on the identified second recurring payment account, the payment method with an updated payment method, by communicating with one or more merchant devices via at least one of:
• an application programming interface associated with the one or more merchant devices, or
• executing instructions to navigate one or more websites hosted by the one or more merchant devices.

A non-transitory computer-readable medium storing a set of instructions, the set of instructions comprising:

• one or more instructions that, when executed by one or more processors of a device, cause the one or more processors of the device to:
• scan, based on obtaining access to an email account associated with a user, a set of emails in the email account for one or more first key words related to an expiration status associated with an automatic payment method associated with the user,
• wherein the expiration status associated with the automatic payment method is related to a payment card;
• determine, based on scanning the set of emails, whether the automatic payment method has expired or will be expiring within a threshold period;
• identify based on one or more second key words from the set of emails, one or more recurring payment accounts, wherein the identifying the one or more recurring payment accounts comprises:
• identifying a first recurring payment account of the one or more recurring payment accounts from a first email of the scanned set of emails, based on determining that the automatic payment method has expired or will be expiring within the threshold period;
• identifying a second recurring payment account of the one or more recurring payment accounts, from a second email of the scanned set of emails,
• wherein identifying the second recurring payment account further comprises determining, in the second email, that an unspecified automatic payment method has expired or will be expiring within the threshold period, and that the second email was sent within a threshold time period from a time the first email was sent;
• associating the second recurring payment account with the automatic payment method based on determining that the second email was received within the threshold time period from receiving the first email;
• and
• replace, based on the identified first recurring payment account and based on the identified second recurring payment account, the automatic payment method with an updated payment method, by communicating with one or more merchant devices via at least one of:
• an application programming interface associated with the one or more merchant devices, or
• executing instructions to navigate one or more websites hosted by the one or more merchant devices.