In general if $\phi: A \rightarrow B$ is a map of commutative unital rings with
map of spectra
$$ f: X:=Spec(B) \rightarrow Spec(A):=S$$
you may for any prime ideal $\mathfrak{p}\subseteq A$ construct the "residue field"
$$ \kappa(\mathfrak{p}):=A_{\mathfrak{p}}/\mathfrak{p}A_{\mathfrak{p}}.$$
Question: "My question is, how is the "coordinate ring" here defined?"
Answer: The fiber of $f$ at $\mathfrak{p}$ is by definition $f^{-1}(\mathfrak{p}):=Spec(\kappa(\mathfrak{p})\otimes_A B)$.
Note: To understand why this definition is the correct definition, you must do an exercise in Chapter 4 (Ex24) in Atiyah-Macdonald where it is proved that this calculates the fiber of $f$. Since $f^{-1}(\mathfrak{p})$ by definition is an affine scheme it follows the "coordinate ring of the fiber" is the global sections of the structure sheaf:
$$H^0(f^{-1}(\mathfrak{p}) ,\mathcal{O}_{f^{-1}(\mathfrak{p})})=\kappa(\mathfrak{p}) \otimes_A B.$$
Example: Let $S:=Spec(\mathbb{Z}), X:=Spec(A)$. In your case for a prime number $p\in \mathbb{Z}$ you get $\kappa(p):=\mathbb{Z}/p\mathbb{Z}$ hence the fiber
$$f^{-1}((p)):=Spec(\mathbb{Z}/p\mathbb{Z}\otimes_{\mathbb{Z}} A):=Spec(A/(p)A)$$
where $(p)A \subseteq A$ is the ideal generated by $p$. We let $(p)$ denote the ideal generated by $p$ in $\mathbb{Z}$. In the case of the ideal $I:=(2) \subseteq \mathbb{Z}$ you get the factorization $2=(\sqrt{3}-1)(\sqrt{3}+1)$ in $A$ hence the ideal $IA$ is not a prime ideal in $A$. Similarly if $J:=(3) \subseteq \mathbb{Z}$ you get $3=(\sqrt{3})^2$ hence the ideal $JA$ is not a prime ideal.
The ring $A/(2)A$ is not an integral domain and the ring $A/(3)A$ is non-reduced
since $(\sqrt{3})^2=0$.
If $\mathfrak{m}$ is a maximal ideal in $A$ it follows $\kappa(\mathfrak{m})=A/\mathfrak{m}$:
$$ 0 \rightarrow \mathfrak{m}A_{\mathfrak{m}} \rightarrow A_{\mathfrak{m}} \rightarrow (A/\mathfrak{m})_{\mathfrak{m}} \rightarrow 0$$
but $A/\mathfrak{m}$ is a field hence $(A/\mathfrak{m})_{\mathfrak{m}}\cong A/\mathfrak{m}$. Hence in this case we get
$$f^{-1}(\mathfrak{m})\cong Spec(B/\mathfrak{m}B).$$
Note that in the case of the ideal $(2)$ and $(3)$ - these are maximal ideals in $\mathbb{Z}$ hence you do not localize when calculating the fiber.
In general if $K$ is a number field and $\mathcal{O}$ is the ring of integers in $K$ and $(p)\subseteq \mathbb{Z}$ is a non-zero maximal ideal there is a product decomposition into a product of maximal ideals
$$(p)\mathcal{O}=\mathfrak{m}_1^{l_1}\cdots \mathfrak{m}_j^{l_j}$$
with $\mathfrak{m}_u \neq \mathfrak{m}_v$ for $u \neq v$. Since the ideals in the product are coprime, there is by the chinese remainder theorem an isomorphism of rings
$$ \mathcal{O}/(p)\mathcal{O} \cong \mathcal{O}/\mathfrak{m}_1^{l_1}\oplus \cdots \oplus \mathcal{O}/\mathfrak{m}_j^{l_j}.$$
The fiber is
$$f^{-1}((p))\cong S_1\cup \cdots \cup S_j$$
where $S_i:=Spec(\mathcal{O}/\mathfrak{m}_i^{l_i})$ and where the union is disjoint.
Hence the fiber is a disjoint union of spectras of Artinian rings and the "coordinate ring of the fiber" is the ring
$$\mathbb{Z}/(p)\mathbb{Z}\otimes_{\mathbb{Z}} \mathcal{O} \cong \mathcal{O}/\mathfrak{m}_1^{l_1}\oplus \cdots \oplus \mathcal{O}/\mathfrak{m}_j^{l_j}.$$
Geometrically the map
$$f:Spec(\mathcal{O}) \rightarrow Spec(\mathbb{Z})$$
is a finite map (the ring extension $\mathbb{Z} \subseteq \mathcal{O}$ is an integral extension - by definition) with finite fibers.
But this is a good exercise to do at some point.
– Alex Wertheim Apr 04 '21 at 22:20