The invention provides an intelligent bus card swiping management system and method. The intelligent bus card swiping management system comprises a card swiping machine module and bus card modules, wherein the card swiping machine module is mounted on a bus, and the bus card modules are used by users during bus taking; the card swiping machine module comprises a main controller, a card reader module, a memory module 1, a display module and a voice prompt module, and each bus card module comprises an IC (Integrated Circuit) card module, a controller, a memory module 2 and a human-machine interaction module. According to the system and the method, before bus taking, a user inputs a bus line or destination and selects to take the most reasonable bus; when the corresponding user gets on the bus and swipes the corresponding card, the card swiping machine module reads information from the corresponding IC card module, judges whether the line needed to be ridden by the corresponding user is consistent with that of the bus or not, prompts the corresponding user of wrong-bus taking with voice if the line needed to be ridden by the corresponding user is inconsistent with that of the bus, further judges whether the balance of the corresponding card of the corresponding user is sufficient or not if the line needed to be ridden by the corresponding user is consistent with that of the bus, prompts the corresponding user of insufficient balance if the balance of the corresponding card of the corresponding user is insufficient, and charges if the balance of the corresponding card of the corresponding user is sufficient; thus, unsuspecting waste caused the wrong-bus taking of the users can be avoided, the time and money of the users are saved, and meanwhile, bus resources are saved.