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. According to one aspect of the invention, the fare construction computer system populates fare component matrices with the appropriate fare components and then combines the fare component matrices using high-speed computer computations. According to an alternative aspect of the invention, the fare construction computer system directly associates fare components by linking combinable fare components using sophisticated data structures. According to the direct association aspect of the invention, fares are constructed by creating all possible combinations of the directly associated fare components.