<?xml version="1.0"?>
<!-- Edited with FutureStage XBRL Solution Library .NET 01-11 -->
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  <import schemaLocation="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2022-11-01/jppfs_cor_2022-11-01.xsd" namespace="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2022-11-01/jppfs_cor" />
  <import schemaLocation="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2022-11-01/jppfs_rt_2022-11-01.xsd" namespace="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2022-11-01/jppfs_rt" />
  <import schemaLocation="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/jpdei_cor_2013-08-31.xsd" namespace="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/jpdei_cor" />
  <import schemaLocation="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/jpdei_rt_2013-08-31.xsd" namespace="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/jpdei_rt" />
  <import schemaLocation="http://disclosure.edinet-fsa.go.jp/taxonomy/common/2013-08-31/identificationAndOrdering_2013-08-31.xsd" namespace="http://disclosure.edinet-fsa.go.jp/taxonomy/common/2013-08-31/iod" />
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  <annotation>
    <appinfo>
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  </annotation>
  <element id="jpcrp030000-asr_E05514-000_DisclosureOfSustainabilityRelatedFinancialInformationHeading" xbrli:periodType="duration" abstract="true" name="DisclosureOfSustainabilityRelatedFinancialInformationHeading" nillable="true" substitutionGroup="iod:identifierItem" type="xbrli:stringItemType" />
  <element id="jpcrp030000-asr_E05514-000_DisclosureOfSustainabilityRelatedFinancialInformationTextBlock" xbrli:periodType="instant" abstract="false" name="DisclosureOfSustainabilityRelatedFinancialInformationTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E05514-000_GovernanceTextBlock" xbrli:periodType="instant" abstract="false" name="GovernanceTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E05514-000_StrategyTextBlock" xbrli:periodType="instant" abstract="false" name="StrategyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E05514-000_RiskManagementTextBlock" xbrli:periodType="instant" abstract="false" name="RiskManagementTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E05514-000_PolicyOnHumanResourceDevelopmentAndImprovementOfInternalEnvironmentStrategyTextBlock" xbrli:periodType="instant" abstract="false" name="PolicyOnHumanResourceDevelopmentAndImprovementOfInternalEnvironmentStrategyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E05514-000_DescriptionOfMetricsRelatedToPolicyOnHumanResourceDevelopmentAndImprovementOfInternalEnvironmentAndTargetsAndResultsUsingSuchMetricsMetricsAndTargetsTextBlock" xbrli:periodType="instant" abstract="false" name="DescriptionOfMetricsRelatedToPolicyOnHumanResourceDevelopmentAndImprovementOfInternalEnvironmentAndTargetsAndResultsUsingSuchMetricsMetricsAndTargetsTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E05514-000_MarketingSolutionReportableSegmentMember" xbrli:periodType="duration" abstract="true" name="MarketingSolutionReportableSegmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E05514-000_ConsumerServiceReportableSegmentMember" xbrli:periodType="duration" abstract="true" name="ConsumerServiceReportableSegmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E05514-000_AverageNumberOfTemporaryEmployeesInformationAboutEmployeesOfReportingCompany" xbrli:periodType="instant" abstract="false" name="AverageNumberOfTemporaryEmployeesInformationAboutEmployeesOfReportingCompany" nillable="true" substitutionGroup="xbrli:item" type="xbrli:nonNegativeIntegerItemType" />
  <element id="jpcrp030000-asr_E05514-000_EbataTetsuyaMember" xbrli:periodType="duration" abstract="true" name="EbataTetsuyaMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E05514-000_MoritaYasuhiroMember" xbrli:periodType="duration" abstract="true" name="MoritaYasuhiroMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E05514-000_MiyazakiHideyukiMember" xbrli:periodType="duration" abstract="true" name="MiyazakiHideyukiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E05514-000_DomonHiroyukiMember" xbrli:periodType="duration" abstract="true" name="DomonHiroyukiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E05514-000_IshizawaAkiraMember" xbrli:periodType="duration" abstract="true" name="IshizawaAkiraMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E05514-000_ItoKunihiroMember" xbrli:periodType="duration" abstract="true" name="ItoKunihiroMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E05514-000_WatanabeTatsuoMember" xbrli:periodType="duration" abstract="true" name="WatanabeTatsuoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E05514-000_TakedaKenjiMember" xbrli:periodType="duration" abstract="true" name="TakedaKenjiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E05514-000_YamagataAtsuhikoMember" xbrli:periodType="duration" abstract="true" name="YamagataAtsuhikoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E05514-000_WorkInProcessCAAssets" xbrli:balance="debit" xbrli:periodType="instant" abstract="false" name="WorkInProcessCAAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E05514-000_OtherCLContractLiabilitiesCL" xbrli:balance="credit" xbrli:periodType="instant" abstract="false" name="OtherCLContractLiabilitiesCL" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E05514-000_NotesRegardingHeadOfficeTransferCostTextBlock" xbrli:periodType="duration" abstract="false" name="NotesRegardingHeadOfficeTransferCostTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E05514-000_TransferFromCapitalReservesToOtherCapitalSurplus" xbrli:balance="credit" xbrli:periodType="duration" abstract="false" name="TransferFromCapitalReservesToOtherCapitalSurplus" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E05514-000_DecreaseByAbsorptionTypeDemerger" xbrli:balance="credit" xbrli:periodType="duration" abstract="false" name="DecreaseByAbsorptionTypeDemerger" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E05514-000_InformationAndCommunicationTechnologySGA" xbrli:balance="debit" xbrli:periodType="duration" abstract="false" name="InformationAndCommunicationTechnologySGA" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
</schema>