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Navy Cash Next Generation

Award Information

Department of Defense
Award ID:
Program Year/Program:
2013 / SBIR
Agency Tracking Number:
Solicitation Year:
Solicitation Topic Code:
Solicitation Number:
Small Business Information
Harmonia Holdings Group
2020 Kraft Drive, Suite 1000 Blacksburg, VA 24060-
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Woman-Owned: Yes
Minority-Owned: Yes
HUBZone-Owned: Yes
Phase 2
Fiscal Year: 2013
Title: Navy Cash Next Generation
Agency: DOD
Contract: N00189-11-C-Z059
Award Amount: $1,534,983.00


The Navy currently uses a Smart Card based stored value system to provide sailors with the ability to make purchases on board a ship This system, called Navy Cash, has been implemented on a majority of the ships but the Navy is encountering problems of cost and maintenance is looking for an alternative that will automate back-end processes and allow newer authentication technologies such as biometric to be inducted. Harmonia proposes to develop a system that implements a"Bank ATM/POS-like"system onboard the ship which works in conjunction with standard bank issued debit cards, biometric authentication devices and a Navy-specific PIN set up by the sailor at the time of registration to create a secure and simple environment for cashless purchases. The system also fully automates the bank-end processes for reconciliation of transactions and settlement of accounts with vendors. It also provides a facility for disbursing cash while onboard without unduly taxing the disbursement officer's time. The result is a system that can be implemented systematically and cost-effectively, provides significant savings in terms of management and long-term maintenance and is scalable and upgradeable to newer authentication processes as they mature.

Principal Investigator:

Jai Saboo
(571) 435-1300

Business Contact:

Pallabi Saboo
(540) 951-5915
Small Business Information at Submission:

Harmonia Holdings Group
2020 Kraft Drive, Suite 1000 Blacksburg, VA -

EIN/Tax ID: 432103421
Number of Employees: N/A
Woman-Owned: Yes
Minority-Owned: Yes
HUBZone-Owned: No