Let cheques be received or paid without an invoice, and remind staff three days before due date.

Co-authored-by: Cursor <cursoragent@cursor.com>

apps/api/prisma/schema.prisma

@@ -213,6 +213,7 @@ model User {
   salesGoals     SalesGoal[]  @relation("SalesGoalUser")
   commissionPercent Decimal   @default(0) @db.Decimal(8, 2)
   commissionEntries CommissionEntry[]
+  receivedCheques Cheque[] @relation("ChequeOwner")
   assignedTickets Ticket[]    @relation("TicketAssignee")
   reportedTickets Ticket[]    @relation("TicketReporter")
   ticketMessages TicketMessage[] @relation("TicketMessageAuthor")
@@ -291,6 +292,7 @@ model Person {
   accountingLinks       PersonAccountingLink[]
   accountingDocuments   AccountingDocumentLog[]
   openingBalances       PartyOpeningBalance[]
+  cheques               Cheque[]
   createdAt             DateTime                 @default(now())
   updatedAt             DateTime                 @updatedAt
 
@@ -1284,26 +1286,38 @@ model CommissionEntry {
   @@index([status])
 }
 
-/// چک دریافتی وصل به پرداخت فاکتور
+/// چک دریافتی؛ مستقل یا وصل به پرداخت فاکتور
 model Cheque {
   id             String       @id @default(cuid())
   organizationId String
   organization   Organization @relation(fields: [organizationId], references: [id], onDelete: Cascade)
-  paymentId      String       @unique
-  payment        Payment      @relation(fields: [paymentId], references: [id], onDelete: Cascade)
-  invoiceId      String
-  invoice        Invoice      @relation(fields: [invoiceId], references: [id], onDelete: Cascade)
+  paymentId      String?      @unique
+  payment        Payment?     @relation(fields: [paymentId], references: [id], onDelete: Cascade)
+  invoiceId      String?
+  invoice        Invoice?     @relation(fields: [invoiceId], references: [id], onDelete: Cascade)
+  personId       String?
+  person         Person?      @relation(fields: [personId], references: [id], onDelete: SetNull)
+  ownerId        String?
+  owner          User?        @relation("ChequeOwner", fields: [ownerId], references: [id], onDelete: SetNull)
+  amount         Decimal      @db.Decimal(18, 2)
+  currency       String       @default("IRR")
   number         String
   bank           String
   dueDate        DateTime
   /// pending | cleared | bounced
   status         String       @default("pending")
+  /// in = دریافتی، out = پرداختی
+  direction      String       @default("in")
+  reminderNotifiedAt DateTime?
   notes          String?
   createdAt      DateTime     @default(now())
   updatedAt      DateTime     @updatedAt
 
   @@index([organizationId, status, dueDate])
+  @@index([organizationId, direction, dueDate])
   @@index([invoiceId])
+  @@index([personId])
+  @@index([ownerId])
 }
 
 /// مانده اول دوره طرف‌حساب (مثبت = بدهکار ما)