Relying on ANSYS platform, a time-variant coupled wheel-rail element with artificial nodes is introduced, which is combination with the application of User Programmable Features(UPFs) formulates a model for the earthquake response analysis of high-speed vehicle-rail-bridge system embedded in the popular finite element method. In the proposed approach, the dynamic interaction of the rail-bridge is modeled by the mass-spring-dashpot system, the vehicles are modeled by the rigid body motion. Running of the vehicle-rail-bridge system is simulated by satisfying the geometric compatibility and balance of the interaction forces associated with the mass-spring-dashpot system. Earthquake forces are applied to the rail-bridge subsystem by the large-mass method. Finally, the reliability and well serviceability of the time-variation system are verified through numerical examples and the application to actual engineering project. Meanwhile, the time-variation system model has the potential to solve sophisticated and real engineering problems in connection with the rich element library and nonlinear solvers available in commercial finite element software.