The document describes two versions of a Concurrent Distributed Authentication Model (CDAM) for authenticating online users. CDAM Version 1.0 involved checking username and password across multiple authentication database servers rather than one. Version 2.0 aimed to overcome the cons of Version 1.0 by using multiple strong encryption algorithms, an encrypted channel, and open standard hashing to address issues like denial of service and vulnerability to sniffing. Future work may include integrating CDAM with one-time passwords and smart card systems.