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Unext.com, start-up company, plans to deliver executive training and, eventually, full MBA program over Internet; it calls its virtual school Cardean University; plan has attracted attention because of elite universities it has brought on board; plan is for Unext.com to produce, market and distribute courses; universities will provide curriculum and impressive credentials, without risking their endowments on untried technology; some of them expect their own campuses to earn at least $20 million in royalties from Unext.com within five to eight years; until now, virtual universities have not succeeded; critics say Unext.com's partnership could damage universities' academic credibility, and that quality associated with getting degree from those schools cannot be replicated on Internet; American Assn of University Professors asks questions about teaching quality in distance education courses; listing of universities involved in Unext.com venture; photo (M)