The heterocharge accumulated in the oil-paper insulation system of the converter transformer will enhance the local electric field and cause insulation deterioration. Numerical simulation is an effective method to analyze heterocharge. Currently, the numerical simulation of heterocharge is mainly based on the bipolar charge transport (BCT) model and the impurity ion transport (IIT) model. However, the effects of temperature, conductivity, and thickness of oil-impregnated paper on charge transport have not been considered in these models. In view of this, a modified charge transport (MCT) model by introducing the Maxwell-Wagner model and heat conduction equation is proposed in this paper based on the BCT model and IIT model. Then, the influence of multi-factors (temperature gradient, moisture content, and oil-impregnated paper thickness) on heterocharge accumulation is investigated by using the MCT model. The simulation results obtained by the MCT model are more consistent with the experimental results than the BCT model, which proves the accuracy and superiority of the MCT model. Moreover, the increase in temperature gradient, moisture content, and oil-impregnated paper thickness will enlarge the ion dissociation rate, conductivity, and trap density, and thus promote the generation of heterocharge. In that respect, the MCT model is expected to optimize the insulation design and provide a reference for space charge dynamic simulation.