Abstract: According to the present invention, apparatus, systems and methods are provided in which a computer (the “fare construction computer system”) is programmed to construct travel fares in conformance with recognized industry rules by building matrices of fare components for travel between one or more cities in such a way that the matrices can be combined in such a way that the travel fares between the two cities are constructed. Each user specifies one or more market areas of responsibility. Each market area consists of one or more cities. According to the user's market area request, the fare construction computer system accesses a database of market points to create a market list of all possible origin-gateway-destination combinations. The fare construction computer system also accesses a database containing fare components.