HSV is indeed a great way to talk about colors. Here are some examples:
I personally use https://color.adobe.com/
This app was previously called kuler and I used it often in the past where I still had time to do some graphics design.
I wrote my own, though not as fancy
Very interesting! I really had no knowledge about how to design a colour scheme (scientifically anyways).
You might be interested in something like http://colorbrewer2.org — multi-hue, single-hue, with awareness of reception printed / photocopied / seen by various eyes