Various embodiments provide a rate structuring system for determining a rate adjustment for at least one service point within a geographical area. In certain embodiments, the system comprises one or more computer processors configured to: receive service point data comprising one or more real-time observed characteristics associated with delivery of at least one package to one or more of said at least one service points within said geographical area; retrieve rate data; calculate at least one of cost data and profit data for each service point associated with said received service point data; compare said calculated cost/profit data against one or more parameters; and in response to at least a portion of said calculated data differing from said one or more parameters, generate rate adjustment instructions, said instructions being configured for implementation of an adjustment to said rate data. Associated computer program products and computer implemented methods are also provided.