Background
Recall that, given two commutative rings $A$ and $B$, the set of morphisms of rings $A\to B$ is in bijection with the set of morphisms of schemes $\mathrm{Spec}(B)\to\mathrm{Spec}(A)$. Furthermore, we know that Spec$(A)$ has a base of open affine subsets, the "basic" or "principal" open affines $D(f)$ for all $f\in A$. Furthermore, $D(f)\cong \mathrm{Spec}(A_f)$ as schemes, and the inclusion $D(f)\hookrightarrow\mathrm{Spec}(A)$ corresponds to the localization map $A\to A_f$.
But answers to a recent MathOverflow question show that open affine subschemes of affine schemes can arise in other ways.
Question
In order to try to make sense of the situation above, I'd like to know the following.
Given a commutative ring $A$, is there a "ring-theoretic" characterization of the ring homomorphisms $A\to B$ that realize $\mathrm{Spec}(B)$ as an open affine subscheme of $\mathrm{Spec}(A)$ (more precisely, those morphisms such that the induced map $\mathrm{Spec}(B)\to\mathrm{Spec}(A)$ is an open immersion)?
Of course, "ring-theoretic" is a bit vague. Let's certainly avoid any tautological characterizations. I would prefer if an answer didn't make any reference to the Zariski topology (for instance, the morphisms $A\to A_f$ make perfect sense without the Zariski topology), but I'm not sure whether that's reasonable.
Update: I received two great answers, thank you both! I chose the one that was closer to the kind of condition that I had in mind. But Dan Petersen's answer was also very interesting and unexpected.