The present disclosure discloses a current geographic location-based communications method, a mobile terminal, and a server, the method including: generating a communications user list for a user identifier corresponding to a target mobile terminal, the communications user list including a plurality of user identifiers; sending at least a portion of the communications user list to the target mobile terminal, the portion of the communications user list including a user identifier of a mobile terminal whose distance to the target mobile terminal is within a preset distance range threshold; receiving a chat request sent by the target mobile terminal, the chat request including one or more user identifiers selected from the portion of the communications user list by the target mobile terminal; and generating a group communication between the target mobile terminal and the mobile terminals whose associated user identifiers have been marked as enabling group chat function.