 Tensor product of commutative algebras

For commutative $R$-algebras, their module tensor product becomes a commutative algebra by $(a\otimes b)(a^{\prime }\otimes b^{\prime })=a{a}^{\prime }\otimes b{b}^{\prime }$. Its universal property is that pairs of compatible $R$-algebra maps from $A$ and $B$ into a commutative algebra $C$ correspond to maps $A{\otimes }_{R}B\to C$. This coproduct of algebras gives, contravariantly, the fibre product of schemes on affine charts.