On Hol Hamo'ed, someone purchases chametz on-line using a credit card. The order was processed during Hol Hamo'ed, but will arrive at the person's home after Pesach is over. The credit card payment is not due until after Pesach.
Has this person possessed chametz during Pesach? Is chametz owned only when it is physically present in your premises? Or, even if not, is the fact that you charged it and it is ready to be delivered mean that you own it even if you don't have it? Or do you not own it at all because the bill hasn't yet been paid or doesn't need to be paid until later?
What if prior to it being delivered you cancelled the order?