Navy Cash Next Generation

Award Information
Agency: Department of Defense
Branch: Navy
Contract: N00189-10-C-Z074
Agency Tracking Number: N091-064-0376
Amount: $749,998.00
Phase: Phase II
Program: SBIR
Awards Year: 2010
Solicitation Year: 2009
Solicitation Topic Code: N091-064
Solicitation Number: 2009.1
Small Business Information
Harmonia, Inc.
2020 Kraft Drive, Suite 1000, Blacksburg, VA, -
DUNS: 556397615
HUBZone Owned: N
Woman Owned: Y
Socially and Economically Disadvantaged: Y
Principal Investigator
 Jai Saboo
 (571) 435-1300
Business Contact
 Pallabi Saboo
Title: CEO
Phone: (540) 951-5915
Research Institution
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.

* information listed above is at the time of submission.

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