As computing paradigm shift from a computing paradigm involving one-computer-many people to that involving one-person-one computer and eventually to the one involving one-person-many computers, the need for effective transaction management model for this advancement has also increased. This is because, new transaction management challenges are introduced. These challenges include increased mobile user bank, hybrid of mobile devices and transaction processing architecture related issues. This paper presents a Combinatorial System Design of Transaction Processing Elements for Ubiquitous Computing with the aim of justifying the choice of deploying Mobile-3PC Protocol on Three-tier transaction processing system architecture as the appropriate combinatorial system design for ubiquitous transaction processing systems. To achieve this aim, existing transaction processing systems are critically analysed and Compared against standards that influence transaction processing throughput and response time positively. A systematic analytical approach is used in analyzing the organizational structure of two-tier and three-tier system architectures. Subsequently, 2 Phase Commit and 3 Phase Commit communication protocols are analyzed and deployed on the three-tier system architecture to ascertain which one of the combinational transaction processing system design support ubiquitous computing effectively. The study shows that the Mobile-3 Phase Commit Protocol on Three-Tier system architecture displayed proactive management skill to curb process failures. This signifies higher transaction throughput. The inherent load balancing capability of the three-tier system architecture also shows support for improved response time. It is therefore recommended that the Mobile-3PC Protocol-on-Three-Tier system architecture be adopted as the combinatorial system design for ubiquitous transaction processing systems.