Yes, there would be a way you could wipe it and make it yours. However, because it is very easy for you to return it to it's rightful owner, the morally obligatory thing to do is to return it.
Think of it like this. If you found $500 on the street, the only thing you could do would be to put up some signs saying "Found! A Sum of cash, call to claim" and if no one claimed it, then it would be yours. But if you found a check for $500 made out to cash, you could cash it, but the address of the owner was right there, written on the note.