A physical model of two-phase flow and heat-mass transfer with the phase changes based on the theory of interacting continua is proposed. All terms in the conservation equations are analyzed and the constitutive equations are presented. A closed set of governing equations describing the convective melting of solid particles in a fluid is obtained. The numerical method is developed for the solution of velocity, temperature, and volume fraction of solid phase for the three-dimensional melting in a rectangular cross-section channel. Preliminary calculation, including gravity effects, shows that the result is reasonable. This study provides a basis for the theoretical and experimental investigation of convective melting of solid particles in a fluid.