For a commutative unital Banach algebra $A,$ and $x\in A,$ we have $\lambda \in \sigma_A(x)$ if and only if $\phi(x) = \lambda$ for some algebra homomorphism $\phi:A \to \mathbb C.$ The set of all such homomorphisms, denoted $\Phi_A,$ is called the spectrum of $A.$
In algebraic geometry, the spectrum of $A$ is simply the set of all prime ideals of $A$ with additional structure. However, if we just consider algebra homomorphism $\phi:A \to \mathbb C,$ then we are just considering the maximal ideal, not the prime ideals.
The question is: are these two notions of spectrums related? Why prime ideals need not be considered, just the maximal ideals, on this occasion?