A method for in-vehicle payment using an in-vehicle smart terminal device and an image database, the method being performed by a server and comprising: obtaining, from a smart terminal device in a vehicle, a face image of an in-vehicle user and a first geographic location of the in-vehicle user at an endpoint of a ride route in the vehicle, wherein the in-vehicle user is not a driver of the vehicle; storing into the image database the geographic location in association with the face image of the in-vehicle user; obtaining a second geographic location of the in-vehicle user at the endpoint of the ride route based on a geographic location of a network access point connected to a smart terminal device of the in-vehicle user, wherein the smart terminal device of the in-vehicle user or the network access point reports connection information to the server, wherein the geographic location of the network access point is in a predetermined range around the endpoint of the ride route; combining the first and second geographic locations to obtain a more detailed geographic location of the in-vehicle user at the endpoint of the ride route; obtaining an image set associated with the more detailed geographic location from an image database based on the more detailed geographic location, wherein the image set comprises face images of a plurality of users, wherein the plurality of users in the image set are users who often get on and off vehicles in the more detailed geographic location, wherein the image database includes multiple image sets associated with multiple geographic locations; comparing the face image of the in-vehicle user with each face image in the image set to recognize an identity of the in-vehicle user; obtaining a fare deduction account corresponding to the identity of the in-vehicle user; and performing a password-free deduction with a limit of a fare corresponding to a present ride from the fare deduction account. obtaining, from a smart terminal device in a vehicle, a face image of an in-vehicle user and a first geographic location of the in-vehicle user at an endpoint of a ride route in the vehicle, wherein the in-vehicle user is not a driver of the vehicle; storing into the image database the geographic location in association with the face image of the in-vehicle user; obtaining a second geographic location of the in-vehicle user at the endpoint of the ride route based on a geographic location of a network access point connected to a smart terminal device of the in-vehicle user, wherein the smart terminal device of the in-vehicle user or the network access point reports connection information to the server, wherein the geographic location of the network access point is in a predetermined range around the endpoint of the ride route; combining the first and second geographic locations to obtain a more detailed geographic location of the in-vehicle user at the endpoint of the ride route; obtaining an image set associated with the more detailed geographic location from an image database based on the more detailed geographic location, wherein the image set comprises face images of a plurality of users, wherein the plurality of users in the image set are users who often get on and off vehicles in the more detailed geographic location, wherein the image database includes multiple image sets associated with multiple geographic locations; comparing the face image of the in-vehicle user with each face image in the image set to recognize an identity of the in-vehicle user; obtaining a fare deduction account corresponding to the identity of the in-vehicle user; and performing a password-free deduction with a limit of a fare corresponding to a present ride from the fare deduction account.