I am not sure what your seeing. Your coin has a number of noticeable chips, gouges and bag marks. It also looks like its been polished. Notice the chip on the second G in George. Which of these marks would be a die clash?
On the other hand the ebay coin looks pristine and has an interesting mark at the top of the ear.
I had a chance to look at several 1948 50 cent coins today. All the low 4 1948's had the mark per your pictures, so its probably an imperfection on the die of some kind (I wouldn't bother calling it a chip as it is relatively minor). The high 4 1948 that I looked at did not have it.
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