Yankee,
In your specific case (i.e., a from a procedure or function without a COMMIT) implies neither a COMMIT or a ROLLBACK...it simply implies a continuation of the same (so far unCOMMITed) transaction. A COMMIT or a ROLLBACK will most certainly occur later (perhaps days later) per the rules I listed, above.
Conventional wisdom asserts that your code should execute an explicit COMMIT as soon as your application completes a valid unit of work for the business. This means that as soon as you have INSERTed the minimum amount of data that represents a
legal ("legal" per business rules) to change of status to the business, then you
should execute a COMMIT.
For example, hypothetically, if you do INSERTs for five employees before you do a COMMIT, and the power goes off during the data entry of employee #4, then you must go back and re-enter not only the information for Employee #4, but also for the previous three other employees, as well.
Such is not a good business/technology practice. You should COMMIT as soon as you finish a discrete unit of business work.
Resultingly, it sounds as though your application in not COMMITting as early/often as it should. Only you and your business managers can identify the points in your application that it would be appropriate to COMMIT.
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Mufasa
(aka Dave of Sandy, Utah, USA)
[I provide low-cost, remote Database Administration services:
www.dasages.com]