In recent years, the frequent occurrence of eutrophication problems in water bodies has been caused by changes in the climate environment and overexploitation of natural resources by humans. Chlorophyll-a, as a key indicator for water body assessment, plays an important role in eutrophication research and has a profound impact on the global biogeochemical cycle of the climate process. Studies have shown that temperature can directly or indirectly affect the concentration of chlorophyll-a by influencing the growth of algae and water quality indicators in water bodies. Considering the temperature factor in the inversion of chlorophyll-a concentration is a novel research approach. Based on the influence of temperature on chlorophyll-a concentration, we propose the idea of inverting global ocean chlorophyll-a concentration based on temperature zoning. Using monthly average remote sensing reflectance data from VIIRS (Visible and Infrared Imaging Radiometer Suite), combined with the results of temperature zoning, the OC3V(SST) model was constructed to invert the monthly average chlorophyll-a concentration in the global ocean in October 2018. The OC3V(SST) model has been validated by applying it to the remaining 11 months of January, April, July, and October in 2017, 2018, and 2019, as well as the entire 31-day dataset of October 2018. The results indicate that temperature zonation can significantly improve the inversion accuracy of chlorophyll-a and further explore the spatial distribution patterns of global chlorophyll-a concentrations across various temperature ranges based on monthly averages from the global ocean. Additionally, the study investigates the continuity issues of various models and the correlation between temperature and chlorophyll-a.